Your credit score is playing a bigger and bigger role in everyday life. Today, your credit score is pulled when looking for a new home, apartment, insurance, credit card, interest rates, and cell phones. Utility companies use it to determine what, or if, you need to pay a deposit. We've even seen dating services pull credit. But more importantly, many employers pull credit.

About 40-50 percent of employers now do credit checks on potential employees. The companies most likely to pull your credit include government jobs like military, post office, local and state entities, fire, and police. Also, those with access to company money like retail, banking, finance, and management. Even if you already work for a company they may pull your credit for promotion.

Many employees do not believe that credit is a reflection of their ability to work. But many human resource specialists believe that credit is a good indicator.

Why? Because they believe that an employee with serious financial woes may be at a higher risk for theft. Some organizations fear that an employee may accept a bribe to give away important information. There is also a fear that an employee may be too distracted with their financial situation to get work done. Employers believe that if you are unable to manage your own small personal finances, you will have a difficult time managing theirs.

Adversely, a great credit history leads employers to believe that you are more reliable, harder working,and better able to handle paper work and finances. Whether or not these assumptions are true is a discussion for another day. But seeing as fifty percent of employers believe that it is true, it is important for you to evaluate your personal credit history and how it can affect your employment.

Seeing how this can be trouble-some for some we must decide how to approach the situation. The government is attempting to pass legislation that prohibits employers from completely eliminating potential employees solely based off their credit history. With layoffs abundant it may become very difficult for employers in the future to even find great employees with a spot-less record. But for now there are options. It is important to know what is on your credit before you apply. You are legally entailed to two free credit reports a year.

As a customer of Roberts Credit Group you should be receiving credit reports monthly. If you find any errors contact us and we will be able to help you. You also need to be sure to keep all your credit card balances below 50% of the limit (30% if possible). And be sure to pay all your credit cards and bills on time. One slow pay can drastically hurt your score. Just by doing these things you can see a score improvement in a matter of months.

Don't grow discouraged, even with a low score you can still find a great job. There are many employers who don't pull credit. If your score is something you believe may be affecting your chances at finding a great new job contact us and see how we can help.