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Posted: Fri Mar 31, 2006 7:13 pm Subject: Employment credit check

I discharged bankruptcy 15 months ago, would that prevent employment? Would that show up?

Posted: Fri Mar 31, 2006 7:21 pm Subject:

Some companies do a crimmal background check only,but in the case of a managment position they may also do a credit check,in which case it will show up,but they will look at you application,employment history as a whole when deciding on whether or not to offer you employment.If you have keep everything in good standing since you filed,that will look good.Im most cases,its up to the person doing the hiring,most will use thier own judgement.

Posted: Fri Mar 31, 2006 7:30 pm Subject: Thanks!

Thanks for that! You wouldn't happen to know why they would hire a person and wait to do the check 2 or 3 weeks into their employment?

Posted: Fri Mar 31, 2006 8:01 pm Subject:

The checks are done before you begin your employment,once they hire you,unless your lied on your application about any crimmal history,your job is safe.They only time they do credit or background checks after you are hire,is when they want to promote someone into a higher positions,which requires these checks,but again you will not lose your current position,as long as your application was filled out correctly.

Posted: Fri Mar 31, 2006 8:16 pm Subject: Thanks again!

Problem solved! Cool

Posted: Fri Mar 31, 2006 10:28 pm Subject:

You can also make sure that you signed a paper prior to employment that gave them permission to do a credit check specifically, some only call for a criminal/employment background check, and need to say specifically each check they are doing and what company will be performing the credit check, if they are going to do it.

Posted: Fri Mar 31, 2006 10:54 pm Subject:

Yes,TMD is right,you must sign a release of records form when you are hired or before they can perform any checks.I always have them sign it at the time of hire,once I make an offer of employment.It cost the employer for each of these checks,so its usually done once all reference checks are done and they are ready to make an offer of employment.

Posted: Fri Mar 31, 2006 11:42 pm Subject:

additionally, if information in a repotr is used to deny you a job, you have the right to be informed of that.

Posted: Sat Apr 01, 2006 12:01 pm Subject:

Posted: Sat Apr 01, 2006 12:16 pm Subject:

That is true Stanley,but most employers dont always tell you the reason for rejection.Most employers have learned there is nothing to be gained by being honest with rejected job applicants.They just tell them that they were not the right fit,or someone else was hired that had more experience.But I must say,that filing BK is not really something most HRs worry about,so it usually isnt an issue.

Guest · Posted: Sun Apr 02, 2006 7:49 am Subject:

If bonding is a requirement of the job, and you have filed bankruptcy or have terrible credit, then you cannot be bonded, therefore they can deny you employment then.

Posted: Sun Apr 02, 2006 8:37 am Subject:

Most large companies use a blanket bond,which covers everyone that they hire,and some dont even do credit checks.The bond is insurance for loss cause by an dishonest emmployee.

Posted: Thu Mar 15, 2007 9:52 am Subject:

I deleted all of the blank posts that some guests are leaving . . . .

Posted: Thu Mar 15, 2007 11:03 am Subject:

I applied to work as a customer service representative at Cingular a few years ago. I had the job but then I received a letter in the mail stating that I was denied the position for my credit, which included a bankruptcy. What does your credit have to do with you getting employment?

I can see maybe at a bank or a loan company but come on a phone company?

Posted: Thu Mar 15, 2007 11:19 am Subject:

Many companies are wary of entrusting cash, inventory, and PID to employees with poor credit. Happened many times at a shoe store that I worked for, even before it become very trendy.

Posted: Sat Mar 17, 2007 9:22 am Subject:

Credit reports are run for certain positions. They are trying to determine if you will be a risk around currency or sensitive information. Security clearances are using basically same information to see if you would have weak spots that could compromise you or your employer. As stated some companies require employees to be bonded. There are company blanket bonds on most companies,but company must make decision if you are stable enough to be added under their umbrella coverage.