Credit Rating
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Understanding Credit Rating
Your credit report is the one piece of financial information on which you will be judged on forever! This is the one piece of personal information that will determine if you are accepted or turned down for every credit application you make in your entire life. Its not surprise then that having a poor or damaged credit report can be a real worry.
Its not only used in the decision to grant you credit, but it also effects the terms of your agreements. For example do you have to pay a deposit? What interest rate will you be offered? Will you qualify for a better deal? Do you need a second person to be a guarantor? Almost every decision regarding financial credit facilities is decided using the information on your credit report.
Even though most of us understand just how important our credit rating is, sometimes we still end up in difficult situations which reflect badly on our credit files. That’s just life and sometimes it’s simply unavoidable. Perhaps you’ve noticed errors on your credit report or maybe there’s incorrect information recorded against your name? Damaged credit can happens due to a huge variety of reasons, so it’s not something you ought to be ashamed of. What’s important now is getting your report back on track..
The first step you must take to begin repairing your credit file is to get hold of a current copy of your credit report. You can get a free copy of your credit report from all 3 major companies here. You’ll then need to spend some time reading through your file and highlighting any errors or information you think might be incorrect or misleading. This may take an hour or so, so grab a coffee, sit down and get to work!
Next you’ll need to make the credit referencing agencies aware that you are disputing some of the information on your report. You’ll find contact details for each agency on the credit report itself. It’s really simple to contact them and you can normally do this online. They will then be obliged to investigate the issues you’ve highlighted. Normally these agencies are quite helpful. After all it’s in their best interests to have the most accurate information possible.
Now it’s time to contact the companies on your file that claim you owe them money. This may be a debt from years ago or it could be a more recent debt, for this purpose it doesn’t matter, anything that shows as a debt needs to be addressed. Write a short letter to the companies shown on your file asking them to validate your debt with them. They are legally obligated to send you proof of this within 30 days. Make sure you keep copies of the letters you write for future reference. If they cannot or do not comply within the allotted 30 days, they are legally required to delete you from their systems and the credit referencing agencies will remove the entries from your file. You’d be surprised how many companies can not provide you with this proof because of poor record keeping!
Now you will be in a position to see exactly how much you owe and to whom. Contact the outstanding creditors and make offers on repayments, you do not need to clear the debt in full in one go if you do not have the cash available. Companies are very helpful when it comes to arranging repayments you can afford. Your payments will then begin to show on your credit report within a month or so, instantly beginning to strengthen your report. Keep making repayments you can afford and stay in touch with the companies you owe, this way your report will reflect on time payments, your debt will decrease and most importantly your credit rating will improve with every passing month!
You can get hold of your Free Instant Credit Report here today if you’d like to know what’s on your file.
How Bad Credit Affects Your Employment
Many employers decide to hire or fire employees based on their credit ratings. People who have bad credit rating usually are not hired. There are many risks involved in hiring an employee with a bad credit rating, because poor credit rating shows financial insecurity, and hence employers due to high security risk do not hire such employees.
There is a law, which prohibits employers to deny jobs to bankrupt people. They reject promotions of employees for bankruptcy reasons. Therefore, employers refuse to give jobs to such defaulters. Most organizations conduct credit check regularly. Government workers and new employees are checked for bad credit rating frequently.
Reasons For Increased Credit Check:
Credit checks are increasing and some employers are interested in certain other kinds of credit checks such as background verification and criminal histories. Some of the employers are not worried about bad credit rating, if they find the candidate suitable enough for the job.
Credit has not turned out to be the best factor to judge accountability of employees in the workplace. People who bluff in their job applications and hide their identity, and even faked about their education and experience were more likely to lose jobs.
Credit report is the best way to verify employees. It is a way to double check the authenticity of the job applicant. Many companies even crosscheck their social security numbers. Lenders check for bad credit rating before giving a loan or a credit card to a person.
People involved in jobs such as account clearance and security clearances are denied for promotion, if they are caught with bad credit rating. Some recruiters give employees a chance to clear their credit ratings within a speculated period for promotion purposes.
Individuals, who deal with cash, jewels and valuables are often checked for credit rating for security purposes. Jewelry manufacturers often do credit checks of their employees, who deal with diamonds and gems.
Things An Employee Need To Know About Credit Check:
Employee permission is necessary for credit check. Employers have to take a written permission from their employees stating consent for the credit checks. An employee denying permission on the same stands to lose his/her job. It is a law that an employer has a right to conduct a credit check, when required.
The law also states that bankruptcy cannot be stated simply the reason for denial of jobs. If an employer refuses you a job citing bankruptcy reasons, you have full authority to consult an attorney.
Jobs denied due to bad credit rating makes it mandatory for the employer to inform the employee the reason as bad credit rating. Employer also has to provide the employee with information such as a copy of the credit report, the resource that provided the credit report and a copy of the Federal Rights Act, which explains the same.
Hence, employees need to check their credit ratings carefully, before appearing for an interview. Unfortunately, bad credit rating leads to a poor judgment by the employers many a times.