potential employer. here is what i can do for you and how i've been spending my time, volunteer, temping, don't mind the gap, mine the gap. >> consternation for people out of work six months or longer, they are more likely to have credit problems because they haven't been able to pay their bills. we know hr managers are running credit checks. if you look at, this according to the society for human resources management, 47% of employers say they are doing credit checks on some candidates. 13% are doing it on all candidates. those are more likely to be finance jobs, in charge of the money, 40% are not doing any credit checks at all. if you've got basically a 50-50 chance of doing a credit check, what do you need to know on the job hunting circuit. >> you do have rights. the fair credit reporting act dictates the right you have. not all states are doing it, like oregon, they don't allow credit checks for individuals applying for jobs.