Neighborhood Credit Solutions

Who's looking at my Hiring Risk Index?
Current and prospective employers »

When
45% of employers use your credit to determine risk and stability in your being hired or continuing to be employed. (note: this 45% is growing rapidly)
Usually when applying for a job where the salary exceeds $75,000 annually.
Usually upon job application, but after initial screening process has been completed, and a job offer is pending or has been made. Sometimes it is post hiring while an employee is still in a probation period.
Used for consideration in a promotion.
High Security related positions.
Most Governmental positions.
All employers must have your written permission to look at your credit.
Why
To assist employers in their hiring decision.
To assist employers in their consideration for a promotion.

How Can a Negative Credit Score Be Improved?

Establishing Positive Lines of Credit
Receiving a Job Promotion
Using a Debit Card Instead of a Credit Card
Opening Multiple Credit Cards at Once

There are several factors taken into account that help determine your credit score. The factors making the largest impact are listed above. Remember that these factors vary in how strongly they impact your credit score. For example, if you have a very high credit score, the negative factors in your analysis are likely to have a small impact on your credit. For very low credit scores, the opposite is true in that negative factors have a very large impact on your credit.