 TITLE: What to Know About Employment and Your Credit CONTENT: How Is My Credit Report Protected?\n----------------------------------\nBecause information found in your credit report is sensitive, federal law prohibits employers (and most others) from accessing it without your written authorization.\nAdditionally, before an employer takes an adverse action based on your credit report, it must provide you with a copy of your report, along with a summary of your rights under FCRA. You'll then have the opportunity to review the report and explain any negative information before the employer finalizes its employment decision.\nExperian strongly recommends that employers do not deny employment solely on the basis of a credit report.\nWhen an employer obtains a copy of a credit report for employment purposes, that soft inquiry will appear on your credit reports. Those inquiries won't, however, show up on the version employers see. This policy protects your privacy because other employers or creditors won't be informed about job-related activities.\nFinally, inquiries for employment purposes don't affect your creditworthiness or credit scores. END