One of the most common white lies involves stretching employment dates to cover a gap. If you can't remember the exact dates, it is best to conduct some research instead of guessing. Be sure to use the mm/yyyy format for dates on your resume, as that is what an applicant tracking syst...
If an employer is running a credit check on you, it is most likely only after they already made a decision to hire you, and it is usually the last thing they check. Since pulling credit checks cost employers both time and money (many outsource to a third-party company), credit checks ...
OPEN LETTER - Missing Fair Isaac FICO credit score document Searching for the real list of factors for The Real Big Credit Score. 2020-08-07 OPEN LETTER - What is an email address for People magazine? What began with Credit Score Myth 4 — the 30 percent utilization ratio thing — ended...
Although credit checks, governed under the Fair Credit Reporting Act (FCRA), allow creditors to look further back in some cases, there is a growing push to limit the criminal records employers can check to the past seven years. Though the exact laws on this vary from state to state, they...
Tracking tip:Record the date that you send each dispute letter, and keep copies in your files. Set a reminder to follow up with each company if you haven’t heard back within a month. Obtain information from debt collectors under the FCRA ...
If you’re looking for background checks to help you make employment or tenancy decisions, however, you should look for other solutions that are FCRA compliant. Is there a fee for using TruthFinder? TruthFinder charges $28.05 for its services on a monthly basis, or you can pay $46.56 for...
💡Related:How To Find Out If Your Information Is On the Dark Web→ 5. File an official report with the Federal Trade Commission (FTC) The FTC investigates fraud and provides support to help you recover. You canfile an identity theft reportonline and get an official affidavit confirming you...
But the following information is federally protected under the FCRA, meaning an employer can’t use it during a background check: Bankruptcies that are older than 10 years Civil suits, judgments, and arrest records older than seven years or with an expired statute of limitations Paid tax liens...
If the answer is yes, most medical professionals will be happy to provide you with an official letter noting the medication you are taking that you can present to an employer. You may also want to reach out to the lab to ask about next steps if you believe that your test result is ina...
A.M. Best, another major rating agency, focuses on the insurance industry. Credit ratings are issued in the form of letter grades, such asAAAor CCC so that investors can quickly gauge the level of risk in adebt instrument. The ratings differ among the three major agencies, so it is impo...