Free Credit Reports Govt
2010
Does an employer see your FICO score (or equivalent) when they access your credit report?
My credit took a hit 2 1/2 years ago when I went through extended unemployment and found myself deliquent for almost 6 months on my accounts. I have since turned this around and I have a perfect on-time payment history for all my credit accounts since. This is apparent if I check the 3 major credit bureaus w/ my free govt’ mandated report, but if I were to check myFICO it would reflect my deliquency. Which do employers check?
Employers look at the report but they get the score too.
The good news is that the older an item, the less impact on your score. Most of your score is based on the past 2 years. So your score may not be as bad as you think. CreditKarma.com offers a free score estimator based on your TransUnion report. It’s not FICO but it’s kinda like it, give or take 50 points. Check to see what kind of score it shows.
Best thing you can do is be up front with a potential employer and tell them you had some problems in the past. Gives you a chance to explain and put a good spin on it.
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