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The federal government routinely checks their employees’ credit history. Typically, credit check is used to deny jobs or promotion only when security clearance is involved.
However, government workers are not the only ones that are affected by bad credit history. According to Society of Human Resource, more companies are checking their employee’s credit history. The statistics show that credit check rise from 19% in 1996 to 35% this year.
Experts say employers use credit history to verity identity, Social Security, and employment history. Credit report seems like a great way to double check a potential employee. In fact, employers today are more interested in all sorts of background checks, including criminal histories and identity verification.
Bank Job positions that usually deal with cash or valuables are most likely to have credit check. Some examples of jobs that would require credit check are bank teller, CFOs (chief financial officers), loan officers, and jewelry manufacturer workers.
If you think you might be at risk because of your credit history, here is what you should know.
- Employer must get your permission to run a credit check.
- If you file bankruptcy, employers are prohibited to discriminate under Title 11 of U.S. Code. Nevertheless, there is no law to protect you from other black mark.
- If your credit information is used against you, your employer is required to tell you.
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