New Beginnings
User Topic: T or F? potential employer can check your credit score
Helen of Troy
Member # 26419
Question  Posted: 9:05 AM, March 7th (Friday)

True or false, a potential employer is able to and may check your credit score?

Posts: 4719 | Registered: Dec 2009
Member # 17460
Default  Posted: 9:05 AM, March 7th (Friday)

Very true.

And many do.


Fidelity isn't a's a choice.

"Truth has no special time of its own. Its hour is now - always." - Albert Schweitzer
Me: BW - Him: 200+ # tumor removed 7/09
DS - 31 - Yikes!

Posts: 21076 | Registered: Dec 2007 | From: Been Through Hell...On My Way Back
Member # 32554
Default  Posted: 9:08 AM, March 7th (Friday)


Me = BS (Stay-at-home-mom)
Him = EX-d out (abusive troglodyte NPD SA)
3 tween-aged kids
Together 20 years
D-Day: Memorial Weekend 2011

Posts: 9858 | Registered: Jun 2011 | From: USA
Member # 24518
Default  Posted: 9:12 AM, March 7th (Friday)

True. Mine did as part of the background check, but I had to give permission first.

Say what you wanna say and let the words fall out...honestly
I wanna see you be brave

Pretty pretty please, don't you ever ever feel
Like you're less than, less than perfect

Posts: 12168 | Registered: Jun 2009 | From: DeepInTheHeartOf, TX
Member # 10180
Default  Posted: 10:58 AM, March 7th (Friday)

True but you must sign an authorization before they can do so.


Posts: 1635 | Registered: Mar 2006
Member # 40540
Default  Posted: 11:18 AM, March 7th (Friday)

You have to give permission, but if you don't, then no job for you I'm guessing.

Posts: 99 | Registered: Sep 2013 | From: CT
Member # 37468
Default  Posted: 12:59 PM, March 7th (Friday)

I wouldn't be too scared of it. Some jobs require it, yeah, but I got my current job when I had a credit score in the 500's (bunch of charge offs/delinquencies) and it's a pretty good job.

Me, 32. DD, 8. DS, 6 (deceased).

Posts: 845 | Registered: Nov 2012
Member # 14003
Default  Posted: 2:02 PM, March 7th (Friday)

I'm in banking, so it's a given. Poor credit means no job in my field.

Walk away from anything or anyone who takes away your joy. Life is too short to put up with fools.

Posts: 13818 | Registered: Mar 2007 | From: Houston
Member # 34426
Default  Posted: 5:25 PM, March 7th (Friday)

In the uk it's a different credit score than lenders would see, less detail and usually a lot higher even from the same credit companies.

Me BS: 35
Her WW: 34
D Day 5th December 2011
Current status: Filled for divorce 23rd Jan 2012. Response from WW was not to beg for forgiveness, but deleting me from Facebook.

Posts: 633 | Registered: Jan 2012 | From: United Kingdom
Member # 27544
Default  Posted: 12:44 PM, March 8th (Saturday)

True. You have to provide your consent. If you decline, though, you will probably be out of the running for the job.

Depending on the company, they probably don't care if you have some missed payments or minor blemishes. I think they are looking for big things - like liens or bankruptcies, etc.

I work in banking and they look to see if your credit history makes you high risk for stealing money.

Me: BGF - 33
Together 11+ years - not married, no children.
D-Day: 2/9/2010
OC Born: 10/9/2010
Status: He chose OW/OC and left immediately.

Posts: 2263 | Registered: Feb 2010
Member # 34755
Default  Posted: 12:58 PM, March 8th (Saturday)

Yep, many do. My husband was denied a job due to his credit once.

BS - Me
DDay 1 - Jul 11
DDay 2 - Jul 12
R Dec 12

Former 80s Icon wishful thinking

Posts: 2031 | Registered: Feb 2012
K Phantom
Member # 14105
Default  Posted: 3:51 PM, March 8th (Saturday)

Discrimination at it's worst. I hear that folks are now being denied jobs because of their tobacco use.

I remember going over resumes with my boss in his office and the hr lady coming in and telling us that one of the candidates had fine credit. I said something to my boss about it and he just said that's the way it is now.

Her WS
Kids 0
Married 15 yrs 02/14/1993
DD#1 3/29/06
DD#2 6/23/07
D 4/15/2008

Posts: 515 | Registered: Mar 2007 | From: USA PA
Member # 10866
Default  Posted: 5:34 PM, March 10th (Monday)

True. I will keep my political opinions of this out of the forum (as appropriate).

However, you must give authorization which means that you can provide an explanation in advance.

DDays 2006, and then numerous more
Divorced 2012

"In life, unlike chess, the game continues after checkmate." - Asimov
"Be patient and tough; someday this pain will be useful to you." - Ovid

Posts: 15325 | Registered: Jun 2006
Member # 39667
Default  Posted: 6:25 PM, March 10th (Monday)

Very true. They want to see if you mishandled company credit cards from previous employers or have missed payments or filed bankruptcy. In the past, this kind of stuff was a huge red flag. Now that the mortgage crisis happened, it's not as uncommon for someone to have a foreclosure or many blemishes. It's still not great but I think employers have become more lenient. However, if they have a choice between someone with GREAT credit and someone who doesn't have decent credit, all other things being on parůmy guess is they will choose someone with great credit. Better risk for them.

BS - mid-40's
SAWH - mid 40's
Kids - 2 elementary school aged
Getting tons of therapy and trying to "work it out"

Posts: 910 | Registered: Jun 2013
Member # 3703
Default  Posted: 12:14 PM, March 12th (Wednesday)

It's like a vicious circle. You can't pay your bills because you don't have a job, which is why you're looking for a job so you can dig yourself back out of the whole, but they don't want to hire you because you have bad credit, because you didn't have a job, which is why you're looking for a job....etc. etc. etc.

With that being said, I finally got a job at a bank, in the mortgage fraud prevention department. I'm glad they took a chance on me. If they ran my credit, they must have seen numerous late mortgage payments, collections, etc. and hired me anyway. If they didn't, which I don't think they did, score for me!

Now I can finally dig myself out of the hole and pay my bills and fix my credit.

D-day OW#1 2/2004; R for 6 years; D-day OW#2 5/2010

Marriages that start this way, stepping over the bodies of loved ones as the giddy couple walks down the aisle, are not likely to last.

Posts: 3427 | Registered: Mar 2004 | From: NY
Topic Posts: 15