California Credit Information Request
Description
How to fill out Credit Information Request?
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FAQ
What are your legal rights as a job applicant? Thanks to the Fair Credit Reporting Act (FCRA), employers can't go checking your credit history behind your back. They must have written consent before pulling an applicant's credit history.
Thanks to the Fair Credit Reporting Act (FCRA), employers can't go checking your credit history behind your back. They must have written consent before pulling an applicant's credit history.
You must provide written consent before a prospective or current employer can get a copy of your credit report.
The general rule in California is that an employer may not consider a person's credit report in making job decisions except for employees in managerial positions, positions that involve access to more than $10,000, law enforcement positions, positions that involve access to private credit information, and positions
Unfortunately, while federal laws prevent discrimination in the workplace regarding race and gender, no such laws exist to prevent being denied a job due to poor credit history. So yes, in most states your credit report can influence the hiring decision.
Employers are most likely to check credit when the job you're applying for requires you to manage finances or handle sensitive data. But some cities and states limit whether, and to what extent, employers can use credit history in hiring decisions.
A: No, you can't check your spouse's (or ex's) personal credit reports. In order to request a consumer report on someone else, you must have what's called a permissible purpose under federal law, and marriage or divorce is not one of them.
California law makes it illegal for most businesses to rely on credit checks during the hiring process. However, California law does not prohibit credit checks in all hiring circumstances. The legal issue will fall on whether the credit check is a necessity for the position.
What if I have bad credit or no credit?Provide proof of income in the form of pay stubs or bank statements.Provide character references from employers or landlords.Have someone with a solid credit score cosign your rental agreement.More items...?
The law regulates credit reporting and ensures that only business entities with a specific, legitimate purpose, and not members of the general public, can check your credit without written permission. The circumstances surrounding the release of your financial information vary widely.
