It is legal because you WERE notified 5 years ago when you signed a document authorizing them to run a credit check whenever they wished as long as you remained an employee. It was somewhere in the stack of a dozen or so other papers you signed without actually reading.
Yes
Yes
no they can't.
No, a company can not charge a credit card without permission. This violation should be reported immediately to your credit card company.
Yes - if you used the company credit card, you are liable to repay the amount you spent ! The employer can recover that directly from your wages.
Absolutely not. Your credit and your personal information are under your control only. If your employer is demanding such things, immediately file a complaint.
No...you need to call your credit card company and file a complaint.
Yes
Yes. A company may offer a credit if you decline insurance as long as you have other coverage. If you dont have other coverage you can't opt out of insurance if offered by your company
Yes. If you applied and were approved for an equity credit line mortgage and there was an existing lien on your property, the mortgage company was obligated to pay the lien before disbursing any funds to you. That is the purpose of recording a lien against a debtor's property. You can't sell, refinance or receive a disbursement from a credit line without paying the lien. It must have been discussed with you at some point during the transaction- when it was reported to the bank by the title examiner.
The best thing to do if you have bad credit is to get a pay as you go phone. Then the credit doesn't need to be checked. The best company that offers cheap wireless for students without credit is Tracphone. No credit check is required and minutes are very reasonable to purchase!
An employer doesn't want employees to stay interested in the success of a company.