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Topics addressed on July 18, 2012:
Employers, credit scores and freezing your credit file
Can a prospective employer get a credit score on me if I have a security freeze, or do I need to remove the security freeze?
Employers never get credit scores. They may request a copy of your credit report, but only if you give them written permission. The report an employer receives contains less information than a standard report. For example, an Experian Employment Insight report truncates or removes account numbers and eliminates any information that could be prohibited by the Equal Employment Opportunity Act (EEOA).
If you have frozen your credit file, you will need to lift the freeze before an employer will be able to access your report. The employment process could be delayed if you do not lift the freeze prior to submitting an employment application.
For more about credit file freezing visit www.experian.com/freeze.
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- The "Ask Experian" team