You a starting to enter the workforce and apply for jobs, or maybe you want to change jobs, start a new career, or simply want to reenter the workforce. eHow Money did an article titled, "How Identity Theft Affects People."
The following events could occur to create an effect, which may not be in your best interest, when it comes to new employment:
Details are stolen and used fraudulently.
ID thief gains cash,information, or services under your name.
Your credit report is affected and a fraudulent entry is made.
Potential employers check your credit report and see this entry.
Potential employers decide not to give you the job, due to the entry.
As you can see, unless you have been keeping an eye on your credit report, identity theft can lead to a number of effects which eventually relate back to employment. Under new federal laws, you are allowed a free credit report every year, one from each of the credit reporting agencies.
The employer reviews your application but will never give you the reason why they chose another candidate over you.
So, if you are having trouble getting employment, maybe you are a victim of identity theft. There is another catch,when applying for a job, think of all that is handed over to the prospective employer, social security numbers, driver's license, date of birth, previous work history, and any professional licenses. After employment, additional personal details are given such as bank account details, and even in some cases - credit card numbers.
The best way to keep an eye on your personal details is to pull a quarterly credit report to check for errors and to have some sort of credit monitoring service. The easiest way to protect your identity is to obtain a reputable identity theft service which monitors your credit with complete restoration and also offers access to an attorney for advice and to have representation for any crimes which may occur in your name.
Certified Identity Theft Risk Management Specialist (CITRMS)
