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Billed for Merchandise You Never Received? Building a Better Credit Record Car Ads: Reading Between the Lines Choosing and Using Credit Cards Credit, ATM and Debit Cards: What To Do If They're Lost or Stolen Credit and Debit Card Blocking Credit and Your Consumer Rights Credit Insurance: Is It For You? Credit Repair: Self-Help May Be Best Easy Credit? Not So Fast. The Truth About Advance Fee-Loan Scams Getting Credit: What You Need to Know About Your Credit Getting Credit When You're Over 62 How to Dispute Credit Report Errors How to File a Consumer Complaint about a Bank Negative Credit Can Squeeze a Job Search Understanding Vehicle Financing
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Negative Credit Can Squeeze a Job Search Washington, D.C. – Bad credit can affect your ability to get more credit. Did you know it also can affect your ability to get or keep a job? Employers often use a credit report when they hire and evaluate employees for promotion, reassignment, or retention. According to the Fair Credit Reporting Act (FCRA), which is enforced by the Federal Trade Commission (FTC) and your state Attorney General, an employer must get your permission to look at your credit report. If you don’t get a job because of information in your report, the employer must show you the report and tell you how to get a copy from the consumer reporting company. There is no charge for the report if you request it within 60 days of getting notice that you did not get the job. A recent amendment to the FCRA requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The companies are rolling this out across the country during a nine-month period. By September 2005, consumers from coast to coast will have access to a free annual credit report if they ask for it. Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.
According to the FCRA,
both the consumer reporting company and
the information provider (that is, the person,
company, or organization that provides information
about you to a consumer reporting company)
are responsible for correcting inaccurate
or incomplete information in your report.
To protect your rights under the law, contact
both the consumer reporting company and
the information provider to dispute any
information.
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