B ad credit can affect your ability to get more credit. Employers often use a credit report when they hire and evaluate employees for promotion, reassignment or retention. If you don't get a job because of information in your report, the employer must give you written instructions on how to challenge the accuracy of the information in your report. The FTC advises all consumers to check their credit reports once a year to make sure they are accurate and complete.
Copies are available from the three major credit reporting agencies.
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