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Credit Reports... they aren't what you think
Manage episode 371147239 series 3493167
Tim Santoni에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Tim Santoni 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
Credit Reports... they aren't what you think
Today on Background Screening tips and tech we talk about, Credit Reports… they aren’t what you think.
Credit Reports seem like the most straight forward search that an employer might request, but they aren’t.
Misconceptions/Myths:
They should be part of every background check report.
They include a credit or FICO score.
They contain public records like Bankruptcies, judgments & liens.
They are easy to interpret.
Facts:
Credit reports run as part of a pre-employment background check cannot and should include contain a credit score. Credit reports run on a potential tenant can include a credit score.
Credit reports run as part of a background check do not impact the credit rating of the applicant because the inquiries are soft hits.
If an applicant has a freeze on their credit, you will not be able to pull a credit report. The applicant will have to lift the freeze for a report to be pulled.
GUIDANCE:
Check your state laws to see if there are any restrictions that guide when you can run a credit report on an applicant.
If you will be running credit reports as part of your background screening packages get familiar with how to interpret the information reported so that you can use it to make an informed hiring decision.
Since credit reports no longer include PUBLIC records which include bankruptcies, judgments and liens consider running a Bankruptcy, Judgment, Lien search as a standalone search.
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