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I have a feeling that I have been hurt by this practice. This is a hot subject these days, and it's the basis for a number of lawsuits that challenge the growing practice and seek to ban any use of credit-report checks in hiring decisions. (The law forbids employers from checking your credit score.) There are various reasons for a spotty credit record, including limited previous use of credit, which shouldn'free credit and report Lansing t be held against anyone.

Some people get into credit trouble because of unforeseen crises, such as a severe illness with big medical bills or a lengthy layoff with no severance. Other people, whatever their income, simply live beyond their means on a regular basis, overspending on credit. To some employers, that would raise a warning flag about an applicant's possible lack of self-discipline — and maybe even lack of integrity. And employers might reasonably be concerned that free credit and report Lansing an employee's money woes could tempt him or her to steal or to pad an expense account. my credit report Whatever the courts eventually decree in pending lawsuits, I think the most ethical outcome would be a middle ground — allowing the continued use free credit and report Lansing of credit checks in evaluating job applicants but giving applicants the free credit and report Lansing right to explain negative information in their reports. (I also think that arrest records — say, for disorderly conduct or DUIs — may ethically be used in evaluating job applicants, with a similar right for applicants to explain the infractions.) Employers could still use a credit history as one of numerous factors in evaluating someone's fitness for a job, but no one free credit and report Lansing could be rejected simply on the basis of that history. credit report agencies So many candidates with similar qualifications — education, special skills and job experience — are looking for work these days that it's understandable if employers often look for small differentiating factors (positive and negative) to help them make decisions.

A version of this article appeared on Kiplinger on March 1, 2011 A Q&A with uber-career hopper Paul Hoffman 65 Ways Retirees Can Cut Their Day-to-Day Expenses Cash free credit and report Lansing as a birthday gift? Yes, please Why you cant get enough of McDs monopoly game What you need to know about private sales The trademarks/service marks BUNDLE, free credit and report Lansing Bundle.com and the Bundle logos are the property of Bundle Corporation. All other trademarks free credit and report Lansing displayed on this site are the property of their respective owners.

5 Big Mistakes to Avoid With rates at record lows, here's how to get the best rate possible. moneywatch.com / Spending by MoneyWatch.com | Oct 19, 2010 As important as your credit score is to your financial health, very few people truly know how their scores add up. government free credit report And plenty free credit and report Lansing of consumers get it wrong free credit and report Lansing on the important questions, like how to raise your score or how long a black mark lasts. MoneyWatchs Jill Schlesinger asked John Ulzheimer, president of consumer education for Credit.com, to name the most common misunderstandings and to tell us what will really hurt (or help) your score. As important as your credit score is to your financial health, very few people truly know how their scores add up.