Is it illegal to use a credit report as a way of not hiring someone?
360662
No, but I do think that it is a new form of discrimination.
682787
Yes. This is a good tip (probaby the best use of 5 points on Yahoo! Answers I've seen yet!).\n\nThere are 3 credit bureaus. I'd recommend separating the 3 free credit reports over the year (rather than getting them all at once) to keep an eye on your credit. With so much identity theft out there, this is one great tool to try to stop it early if it happens to you.\n\nThanks!
1164913
It is possible, if you go to your bank, and see if you can get a small unsecured line of credit for about $5,000.  \n\nyou will need to have a good credit rating, and employment income, but depending, you may be ok without a co-signer. \n\nIf you have little credit, but you have paid (at least) the minimum by the due date, your rating will show you are responsible, and the bank will most likely authorize the line for you. \n\nGood luck.
917100
No, Dont know of any that would be foolish enough to give you a loan without a credit check. The very thought suggest you might be better off working for someone instead of a small business. Or maybe take some courses at your local college.
23279
are you drawing unemployment? if so it'll be easy for them to find out if you're lying.  The crime though... no crime until you sign at the bottom of an application stating you verify that everything within the application that you wrote is true to the best of your knowledge. it can be a felony but most likely a misdemeanor if they really wanted to try and hit you with the book... most companies don't though it's a waste of their time. but you surely wont get the job if they do find out. if you haven't been drawing unemployment just say self employed. don't ask your old HR to lie for you... they may say that they would do it and then tell the new company that you are lying and asked them to cover up for you... think about it.
241920
No it is not illegal.\n\nBut be warned, doing so puts your education in Jeopardy.  If you get caught, you will face up to explusion.  Meaning that no college will ever admit you since your college transcript will note that you have "academic dishonesty by plagerism."\n\nAlso noted, experienced professors can read essays and notice patterns of plagerism and if they know your writing style well, they will notice that something seems different.\n\nColleges even have essay submission programs that will check if everything is legit or not.
831936
If it's tied to a business, it shouldn't show up on your personal credit account.  However, If it's a small business, the credit company may use your personal background to assess credit risk.
761728
They can use it to steal your identity and devastate your credit. \n\nThere are two good places to look to find out if someone else is using your number: the Social Security Administration's (SSA) database, and your credit report. If anyone else used your number when applying for a job, their earnings will appear under your name in the SSA's files. If someone uses your SSN (or name and address) to apply for credit, it will show up in the files of the big three credit reporting agencies.\n\nThe Social Security Administration recommends that you request a copy of your file from them every few years to make sure that your records are correct, your income and "contributions" are being recorded for you, and no one else's are.\n\nHope this helps.\nJoe @  www.bailyes.com
403323
Credit cards. Its doubtful that your relatives will report you and cause your credit rating to go down.
536408
Credit reports don't always show if someone has been using your social security number or not. People usually find out after damage has been done and it costs the victims tens of thousands of dollars a piece and a lot time of their lives to get it fixed.
91250
Just apply for something that requires them to run your credit report.  Especially if you are denied credit the credit company that supplied that inforomation has to supply you a free copy of your credit report.
765135
Are you saying that you have been late on your payments?\n\nDepending on the documents you signed, in most cases a creditor has the legal right to use reasonable means to collect on a legal debt, or to obtain information that can be used to collect on a legal debt. The car lot's remark to the landlord can be interepreted in different ways, and it is debatable as to whether or not such a remark is injurious to you.  \n\nThe contact with the neighbor might be illegal if the company revealed personal information about you. For example, if the company said that you were a deadbeat and were not making payments for a car you purchased, then that is probably beyond the bounds of what is legally acceptable. However, if the questions were more generalized, such as asking the neighbor if he or she knew you and your wife, prefacing it that the neighbor was listed as a personal reference, such questioning is probably acceptable. It all depends on what was asked, and what personal information was revealed.
462438
Well if you request a copy of the record from the company that did the background report,you will find that it contains the F.B.I header in it somewhere.You will also find at the top of the page "It is illegal for a company to deny you employment because of any information contained in this report"(However it doesn't apply to certain Government jobs)So ,therefore the report which is comes from a"government" agengy but,is collected by an independant firm says that if you are denied employment you can sue.
959511
No its not illegal.\nIts free information.\nThey're not selling you anything, if they were, then that might require a permit of some sort.\n\nBut you don't have to accept the literature, OR answer the door.\nYour choice.
495226
Since none of the other answers are seeming to be helpful or answer your question, here goes:\n\nThe law allows you to get one free credit report from each of the major agencies per year.  However, it is not illegal to SELL a credit report (it's not illegal to sell something you can otherwise get for free, hence, bottled water).  So, websites like "freecreditreport.whatever" try to confuse you into paying for it.\n\nTo get your annual free credit report from the major agencies, go to www.annualcreditreport.com\n\nIf you have been denied credit somewhere within the last 30 days or suspect fraud on your credit report, you are entitled to a free credit report as well.  Contact the agencies that were used to deny you credit for this (Equifax, Trans Union, Experian, etc).
1114801
It may or may not. Not all employers do a credit check.  The background check is to check for criminal history. don't worry. I am sure it will work out and good luck!\n\nIt also depends on what you are applying for.  Capitol One for example will not hire based on credit history.  This employer (credit company) feels there is a risk in hiring someone with credit trouble and may commit identify fraud because of their financial troubles. \n\nI would recommend trying to work out something with the hospitals.  Most will reduce the charges are accept a very low min payment.
403712
If you're lying about it, yes. You'll get in MAJOR trouble, as that, itself, is Social Security Fraud.\n\nBut, if you're going to report somebody for real, then most likely, you won't get in trouble. They may ask you some questions, but for the most part, the only one in any real trouble will the the one doing the fraud.