3 ms·

Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for. You usually have t

by acheron 11y ago

Really? They can do that? Wow. If they did that to me, it apparently didn't hurt my chances, I've always been offered jobs I've applied for. You usually have to sign something when you apply giving them permission, so if you didn't do that then it probably didn't happen. Though in any case I doubt "no credit history" would be a bad sign for an employment offer; they're likely only looking for specifically negative events.

nommm-nommm 11y ago
The Fair Credit Reporting Act requires anyone who pulls credit history from you to get your permission first.
grecy 11y ago
>I doubt "no credit history" would be a bad sign I was told multiple times at the bank it was equivalent to the worst possible credit rating.
- acheron 11y ago
  For some types of credit, it could be. I had trouble getting a credit card with no credit history too. But potential employers aren't looking at it for that, they're just looking for specific negative things.
- nommm-nommm 11y ago
  It depends on what they are looking for if poor credit score would be the same as no credit history. If someone wants to extend you credit (this includes cell phone and cable service) no credit score would be the same as poor credit score. Employers who do a background check are not looking to extend credit to you. They are usually looking to both verify your identity (did you lie to them on your resume?) and looking for negative stuff in your credit history. In that case having no credit history probably won't be a problem. Local and national laws dictate what employers are allowed to take into consideration when doing a background check. The credit reporting services themselves are subject to the Fair Credit Reporting Act. Almost every job I've ever had included some type of background check. For each I had to sign off for a third party to do the check. It totally depends on the company, and the industry and probably the geographical location.

by acheron 11y ago

nommm-nommm 11y ago

The Fair Credit Reporting Act requires anyone who pulls credit history from you to get your permission first.

grecy 11y ago

>I doubt "no credit history" would be a bad sign I was told multiple times at the bank it was equivalent to the worst possible credit rating.

acheron 11y ago
For some types of credit, it could be. I had trouble getting a credit card with no credit history too. But potential employers aren't looking at it for that, they're just looking for specific negative things.
nommm-nommm 11y ago
It depends on what they are looking for if poor credit score would be the same as no credit history. If someone wants to extend you credit (this includes cell phone and cable service) no credit score would be the same as poor credit score. Employers who do a background check are not looking to extend credit to you. They are usually looking to both verify your identity (did you lie to them on your resume?) and looking for negative stuff in your credit history. In that case having no credit history probably won't be a problem. Local and national laws dictate what employers are allowed to take into consideration when doing a background check. The credit reporting services themselves are subject to the Fair Credit Reporting Act. Almost every job I've ever had included some type of background check. For each I had to sign off for a third party to do the check. It totally depends on the company, and the industry and probably the geographical location.