How to Avoid Job Applicant Credit Report Scams

Credit report
••• SpiffyJ

There are many job scams on Craigslist and and on other job sites. Among the most common are credit report scams.

A scam occurs when an "employer" asks to see your credit report as part of the hiring process and you end up paying a fee for obtaining a credit report or for other services. In addition, the scammer can collect your personal information and steal your identity.

How Job Applicant Credit Report Scams Work

How does this type of scam work? The employer requests that you use a specific "free" service that ends up costing you money. However, the employer isn't a legitimate employer and you may end up paying for a credit report.

Credit Report Scam Examples

Here are some examples of credit report scams from Craiglist. These were sent by email to job applicants who responded to job postings on Craiglist.

  • We would like to take this moment to thank you for your response to our Craigslist job posting, as well as inform you that, after reading through your resume, we are interested in discussing this job opportunity with you in person. In order to proceed to the next step of the hiring process you will need to get your credit score checked.
  • We have arranged a FREE service for you to obtain your score. Once you have completed this process, please email me the confirmation # ASAP, so we can move forward.

    More Credit Scams

    Other scammers will ask you to send personal items such as your license, a utility bill, or your Social Security Number along with an application, or even before sending an application.

    All of these items are forms of identity, and can therefore be used by scammers to either open new accounts or access your current account. Never give these items to an employer before you have met in person and/or thoroughly checked into the company's background.

    What to Do If You Have Been Scammed

    If you have already sent personal information to an employer, and believe it was a scam, get a copy of your credit report immediately and review your bills and payments. You can also file a fraud alert and report the scam. Here's how to get a free credit report.

    More Information on Job Scams

    How to Avoid Scams
    How to tell if a job is a scam, typical employment scams, work at home scams, and how to avoid scams.

    How to Report a Scam
    Have you been scammed or almost scammed? Here's information on how to report a scam, including where and how to report an employment scam.

    Scam Warning Signs
    What's a scam and what's not? It can be really difficult to tell the difference between scams and legitimate job openings, especially when it comes to work at home jobs. Here are scam warning signs to watch for and how to spot a scam.