(Closed) Credit Check for Employment?

posted 5 years ago in Career
Post # 3
Member
3583 posts
Sugar bee
  • Wedding: August 2012

It shows us if you can handle responsibility, mainly. 

Post # 4
Member
756 posts
Busy bee
  • Wedding: October 2011

Some jobs that deal directly with $ require it in order to demonstrate you aren’t as much of a threat of stealing due to your personal financial situation.

Post # 5
Member
454 posts
Helper bee
  • Wedding: April 2012

 They ran a credit check on me because I work with money and wanted to make sure I was responsible I guess.

Post # 7
Member
1513 posts
Bumble bee
  • Wedding: June 2013

ive heard before it was about seeing how responsible people are with money like WillyNilly mentioned.

i agree its kind of unfair/counterintuitive in some cases. like me, who ruined my credit with an unpaid credit card at 19 and am just now getting that off my record. clearly the actions of dumb 19 year old me arent an indication of how 28 year old me handles responsibility.

then again, i have no one to blame but myself for not paying that credit card back in the day…

Post # 8
Member
6010 posts
Bee Keeper
  • Wedding: May 2009

Credit checks typically only happen in the financial sector or if you will be handling/responsible for a certain amount of money.  The credit check demonstrates that you are responsible and trustworthy, and it brings to light any red flags in terms of financial difficulties that make employees more likely to steal/embezzle.  In California, by law only certain types of positions (like managers and those directly in charge of funds over a certain limit) are allowed to be asked for a credit check.

Post # 10
Member
3583 posts
Sugar bee
  • Wedding: August 2012

I dunno, can we say it’s discriminatory to choose one candidate with better references over another with none? Both are testaments to your general presentation as a candidate, one is simply financial. 

Post # 11
Member
6010 posts
Bee Keeper
  • Wedding: May 2009

@Eva Peron:  Typically, we look for things like bankruptcies, foreclosures, lots of deliquency notices, etc…  Student loans shouldn’t deter them from hiring you unless you haven’t been paying them.  Also, I would check your local laws; most states/countries are starting to specify exactly who is allowed by law to be credit checked.

Post # 12
Member
5407 posts
Bee Keeper

I can see both sides. I think it’s pretty unfair, and I know someone who didn’t get a job because they had bad credit. I don’t really think it should be factored into a decision, but part of me can understand the reasoning. I was totally surprised it was allowed until I heard this person talking about it. 

Post # 14
Member
3583 posts
Sugar bee
  • Wedding: August 2012

I too only think its appropriate for finance or leadership positions but companies are being super strict because there is a relationship between increased embezzlement and dire personal finances. So the company is going to hire the lucky ones who didn’t take a hit in the last 4 years. 

Post # 16
Member
5148 posts
Bee Keeper
  • Wedding: June 2011

Jobs with any sort of security clearance (FBI and other various government jobs, etc.) will require a credit check. They don’t want people in bad financial situations to be tempted by bribes.

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