That is a practice that is becoming more common and I think it stinks. Being unemployed can mess up your credit and that should not prevent you from getting re-employed. I have heard that there is legislature out there to ban the practice except for certain jobs. I will try to find out!

The federal government is the biggest one for wanting a credit report.

An employer is required under the FCRA to tell you if there is an adverse action taken because of the credit check. That way you have the right to dispute it. So if you were not hired and this is the reason you are supposed to be told. I copied the below from an equal rights website.

Before the adverse action is taken, the employer must give the applicant a "pre-adverse action disclosure." This includes a copy of the report and an explanation of the consumer's rights under the FCRA.


After the adverse action is taken, the individual must be given an "adverse action notice." This document must contain the name, address, and phone number of the employment screening company, a statement that this company did not make the adverse decision, rather that the employer did, and a notice that the individual has the right to dispute the accuracy or completeness of any of the information in the report.

Hi all

I think a person should be always given a second chance in life. One can have a bad score due to various reasons ...and trust me its not always irresponsible behavior tat hurts your score.

Take care
Nelly