As you probably know if you've ever applied for any work at home phone jobs, many companies want to run a credit check before they will hire you. We've talked about this before and most of you felt it's a bit unfair and that a credit score shouldn't determine whether or not someone would make a good, trustworthy employee. But that doesn't change the fact that they do, and it's best to be prepared and know what your score is before you apply.
Note – I have only ever seen the credit check requirement with companies offering phone jobs, particularly those where you're handling sensitive information for customers, like credit card numbers, etc.
How I Check My Own Credit Every Month
I realize that anyone can get their credit score for free once a year, but I like to keep tabs on my own score fairly often. I've been burned quite a few times by “free” credit score companies where you give them your credit card number to get your score. You have to agree to a trial and if you don't call and cancel before it's up, they bill you. I'm so forgetful that I usually end up not canceling and getting billed!
About three years ago I came across a site called Credit Sesame that promised to give me my score without ever asking for my card number, or making me agree to a free trial. That sounded like exactly what I needed, so I signed up.
It was as promised — I got my score for free and I have never had to pay them. They update the score every month so I can log in around the first of each month and see if it's gone up or down. My husband also made his own account so he can watch his score, too.
Credit Sesame Pros
Here are the things I like best about Credit Sesame:
#1 – Obviously, the fact it's free.
#2 – They send me email alerts if anything positive or negative has been reported on my credit, and I can log in and see where it came from.
#3 – They give tips on things you can do to increase your score.
#4 – It's very easy to navigate the site, very professional and clean-looking.
Credit Sesame Cons
#1 – I believe they only pull your score from one credit bureau — Experian. There are three bureaus and many employers will check all three. Still, you get a general idea of what your score is.
#2 – After you sign up, you can expect near daily or every other day emails from Credit Sesame. Sometimes these are important notifications about your score, but other times the emails are encouraging you to go sign up for credit cards and get personal loans. 🙁 I feel like going into more debt is the last thing anyone needs if they're trying to rebuild their credit! This will get annoying, but you can log into your account and turn those types of emails off under “profile.”
Should You Sign Up?
With so many companies now wanting to check credit scores before they hire, it's not a bad idea to keep tabs on your score every month so you have an idea where you stand. Even if your credit has always been good, it's nice to know you can get alerted if anything changes for better or worse.
I've been a member at Credit Sesame for three years and it's certainly saved me money since I'm no longer signing up for “trials” that are hard to cancel just to find out what my score is.
You can go here if you want to check out Credit Sesame and find out what your credit score is before you apply for a job.