I have applied to several temporary job placement services and they all asked permission to do a credit check. Is this legal? Does it affect my credit rating?
It’s legal as long as you’ve given written permission. The disclosure authorization form that you sign may also let them hire a third party to investigate your work history and criminal record. The agency must not do either kind of check unless it’s requested by a potential employer, but many want permission from you in advance. Employers' requests for your reports shouldn’t affect your credit rating. You can get a list of employers who have asked for your credit report, but potential lenders don’t receive that information.
Sandra McKinnon, Family Financial Education Specialist, University of Missouri-Extension
Cynthia E. Crawford, Ph.D., Family Financial Education Specialist, University of Missouri-Extension
Last update: Wednesday, April 19, 2006