We often hear people use the terms credit report and credit score interchangeably without realizing they are different. It’s understandable since credit scores and credit reports are related (credit scores can be based upon information found in a credit report). Read More
Credit reports are compiled by a credit reporting agency and contain data from many different sources. They are commonly used to make decisions about a person’s ability to obtain credit, employment, insurance and rent or purchase a home. Read More
You can take steps to prepare for an employee background check before you apply for a new job. By doing so, you could reduce the chance of being surprised by inaccurate or forgotten information that could show up during the background check process.
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No, an employer can’t review your credit report in California unless the position falls into an exemption. Exemptions include
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If you ordered a copy of your credit report and found negative or in Read More
A credit score is a numerical value or categorization a lender uses to predict the likelihood of certain credit behaviors (i.e. default). A credit score may also be used to determine the credit terms or rate a person pays for a loan. Read More
You can get a free copy of your credit report weekly from each of the three credit bureaus (Equifax, Experian and TransUnion).
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Credit freezes (also called security freezes) prevent fraudulent accounts from being opened in your name by not allowing anyone to check your credit report. Read More