Yes
Written Consent. Before an employer requests your credit report, it must notify you and get your written authorization. This notice and authorization must be set forth in a separate document that doesn't include other information. In other words, it can't be a section of the company’s standard employment application. If an employer checks credit reports when hiring employees, it has to follow the legal rules set out in the federal Fair Credit Reporting Act (FCRA) . The FCRA requires employers to: 1  get your consent before pulling the report. Check your credit report. It's important to make sure your credit report is error-free before walking into a job interview. You'll also want to know what the employer will see if they pull your report, which does not contain your credit score.  The bottom line is that while employers can check your credit, they can't see your credit score, their inquiry doesn't affect it, and the credit report they can pull isn't the same one used to evaluate your trustworthiness as a borrower. But it's of little use to the company that wants to give you a job. That a potential employer can check your credit score is probably the most common myth out there when it comes to credit, and unfortunately, it's one of the most problematic, says John Ulzheimer, credit expert at CreditSesame.com. If an employer is considering not hiring you because of negative information on your credit report, you have the right to see the report before they make their decision. This is a legal and free way to check your credit report more than once a year. Check Your Report Before They Do. Don’t be the last to know what’s on your credit report. You can use a free tool like Credit.com’s free Credit Report Card, for a clear overview of the information in your credit report. If something seems amiss, you can do a deeper dive If you’re also looking for work, you may be concerned about whether and how a potential employer can check your credit report. If an employer checks credit reports when hiring employees, it has to follow the legal rules set out in the federal Fair Credit Reporting Act (FCRA) . The FCRA requires employers to: 1  get your consent before pulling the report. While employers do not receive your credit score with employment credit reports, your credit score can be a good reference tool for yourself as you work to build or maintain your credit. If you see an unexpected drop in your scores, it’s important to check your credit reports for errors or even signs of fraud.). If you signed a release for an employment credit check, but you know that there are errors on your report, know that you may not be able to correct those errors before the employer pulls your report. It may take weeks or even months to fix. If an employer is considering not hiring you because of negative information on your credit report, you have the right to see the report before they make their decision. This is a legal and free way to check your credit report more than once a year. Even if you are not able to convince the prospective employer that your credit is not reason enough to reject you, you can come away from the process knowing what information they saw, giving you a better shot at the next job. Don't be the last to know what's on your credit report. You can use a free tool like Credit.com's free Credit Report Card, for a clear overview of the information i 2. Employers can pull a credit report. But the credit report available to employers is not the same one that your lenders see. When an employer checks your credit, it's called an 'employment screening,' and the credit bureaus have a separate product available for this purpose, explains Ulzheimer. But it's of little use to the company that wants to give you a job. That a potential employer can check your credit score is probably the most common myth out there when it comes to credit, and unfortunately, it's one of the most problematic, says John Ulzheimer, credit expert at CreditSesame.com.
http://www.nolo.com/legal-encyclopedia/can-prospective-employers-check-your-credit-report.html http://money.usnews.com/money/personal-finance/articles/2012/12/14/how-to-convince-a-prospective-employer-to-overlook-poor-credit http://www.businessinsider.com/employers-cannot-check-your-credit-score-2014-5 http://blog.credit.com/2013/09/potential-employers-your-credit-report/ http://www.nolo.com/legal-encyclopedia/can-prospective-employers-check-your-credit-report.html http://blog.credit.com/2014/03/what-to-do-when-your-employer-wants-to-pull-your-credit-report-78432/ http://abcnews.go.com/Business/top-steps-deal-employers-credit-report/story?id=20309128 http://www.businessinsider.com/employers-cannot-check-your-credit-score-2014-5
can a potential employer ask for your credit score