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Illinois Credit Inquiry
Category:
State:
Multi-State
Control #:
US-135-AZ
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Word;
PDF;
Rich Text
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Description
How to fill out Credit Inquiry?
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FAQ
A good Illinois credit score typically ranges from 700 to 740 or higher. This score indicates to lenders that you are a responsible borrower. Maintaining a good score can result in better loans and lower interest rates. Using the services provided by uslegalforms can help you understand and improve your credit status.
If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous. Still, not all disputes are accepted after investigation.
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.
Can an Employer Access My Credit? The Fair Credit Reporting Act (FCRA) lists who can obtain your credit report and for what purpose. Employers, for instance, are allowed to run a credit check for hiring and promotion decisions, but only if the applicant or employee has given written permission for them to do so.
Though prospective employers don't see your credit score in a credit check, they do see your open lines of credit (such as mortgages), outstanding balances, auto or student loans, foreclosures, late or missed payments, any bankruptcies and collection accounts.
Illinois passed such a law in 2011, the Employee Credit Privacy Act (ECPA). It says employers can not use credit reports or histories to hire, fire, or set pay and conditions for many types of jobs in Illinois. The Illinois law doesn't cover everything.
No, requesting your credit report will not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
This information is reported to Equifax by your lenders and creditors and includes the types of accounts (for example, a credit card, mortgage, student loan, or vehicle loan), the date those accounts were opened, your credit limit or loan amount, account balances, and your payment history.
Law and finance firms are legally required to perform credit checks on potential employees. But other companies may also ask for permission to run a credit check on you before offering you employment especially if the role you're applying for involves dealing with money.
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.
