You're Ready. Is Your Credit
Armed with an impressive resume and knowledge of the company you are interviewing for, you confidently approach the interviewer (in your finest 'power suit') and begin to craft the inspiring 'first impression' you envisioned last night as you went to bed.

You may feel prepared for the interview and qualified for that new job, but there is a strong possibility that the interviewer has already formed an opinion about you – through information contained in your credit report.

Increasing numbers of companies are requesting credit reports to assist them in the job hiring process. Essentially, your credit report is your financial resume and employers use it as an indicator of your personal integrity and how you conduct your life. With that in mind, it's alarming that seventy nine percent of all credit reports contain errors. A qualified job seeker simply can't afford to have credit report errors sabotage an excellent employment history.

In the competitive job market, an accurate credit history may be the decisive factor in gaining a job interview. Inaccurate credit reports can 'torpedo' the most impressive of resumes, and you won't have a second chance to make a first impression.Just how important is your credit report when it comes to finding employment? According to William M. Greenblatt, chief executive of Sterling Testing Systems Inc., "Credit reports show not just your financial history but also your job history." (Sterling Testing Systems Inc., provides pre-employment screening and background checking for businesses worldwide, and has experienced growth in excess of 50 percent annually since 1997.) "And, actually," he continues, "most companies are more interested in your financial patterns than your employment background. They want to know if you pay your bills promptly. And this information gives them an idea of how the individual might be expected to behave, if hired."

The labor market is not only intense from the job seekers standpoint, but employers also are striving to gain a competitive advantage in the hiring process by accessing all the informationavailable to improve the quality of its workforce. Employers are also more likely to check the credit history of prospective employees who will be involved in some aspects of the company's finances.

The labor market is not only intense from the job seekers standpoint, but employers also are striving to gain a competitive advantage in the hiring process by accessing all the informationavailable to improve the quality of its workforce. Employers are also more likely to check the credit history of prospective employees who will be involved in some aspects of the company's finances.

The labor market is not only intense from the job seekers standpoint, but employers also are striving to gain a competitive advantage in the hiring process by accessing all the informationavailable to improve the quality of its workforce. Employers are also more likely to check the credit history of prospective employees who will be involved in some aspects of the company's finances.

Additional Information
Ovation Law and the FTC are excellent educational resources and provide a wealth of helpful information for consumers to avoid unscrupulous credit repair agencies and lenders. For additional information about your consumer rights and credit report repair, visit www.OvationLaw.com and download free, informative publications from the Educational Resource Center.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace. To file a complaint, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters identity theft, telemarketing, Internet, and other fraud-related complaints into a secure, online database that is available to hundreds of criminal law enforcement agencies worldwide.