Learn About Credit ReportAs an increasing number of employers screen applicants' credit reports before hiring, it's important for job seekers to know their rights.

According to a recent Q&A by CNNMoney.com, one applicant was asked to provide a credit report from a specific website before attending his job interview. This request is often indicative of a scam, since prospective employers should be able to get an applicant's credit report on their own.

"That website that you're directed to isn't a place to get your credit record — rather it's a credit monitoring service that charges your credit card every month," the report said.

Consumers are entitled to request one free credit report from each of the three credit bureaus during a 12-month period at AnnualCreditReport.com. This type of credit monitoring can help them detect mistakes or fraudulent charges on their account. If suspicious activity is spotted, it's best to take action immediately.

A recent survey by the Society of Human Resource Management revealed that 60 percent of employers check credit reports for job candidates. Human resource managers believe that the way a consumer handles personal finance issues may reflect on his or her reliability as an employee.


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