Employment credit check

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.

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?

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.

Problem solved! 8)

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.

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.

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

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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.

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.

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.

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

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?

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.

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.

HELLO!!!

Hi....how are you doing? I am doing well. And yourself? That's good. :lol:

:shock: :shock: Blank & spam posts have been removed again!

I think that in the case of an employee handling money, running a credit check goes without saying. However, as I think Cajun said, the only other legit reason would be if the business requires its employees to be bonded. One case would be in Home Health Care, where as a matter of course, all field employees are bonded, as they are going into clients' homes.
Although I could see why a credit check could be run in this case, however, based on my personal experience working at several agencies, this never happened, due to the nursing shortage. Every agency I've ever dealt with has always had more patients than staff.
So I really think it depends on the potential job and the business. Now working Customer Service in a call center I don't think would call for this, but I could be wrong!

kscornell,
That would depend on what type of call center and what info they are allowed to access.You would not want just anyone having access to financial info or even ss# and dob.

I work in a call center with access to ss#'s and other confidential information, and NO credit check was done when I was hired. So what you said kscornell in regards to the call center I work in, is correct.

Guest,was a background check done on you?

This is very interesting as Guest and Cajun raise excellent points. I'm thinking in Guest's situation that possibly like any call center there's a high turnover and the employer is desparate to put people on the phones, so is lax when it comes to this?
However, depending on the type of business the call center is in, like Cajun said, the potential of getting potentially damaging information on customers, like name, ssn, credit card number and possibly medical information (yes, most HMO's have call centers)is always there and if it gets in the hands of the wrong person, well there you have it!

A lot of times, the employer may not perform a detailed background check at the time they hire you, but they still make you sign all the necessary paperwork/disclosures just so they can dot all their i's and cross their t's and hold it in file in case they ever need to.

We make our employees sign a consent form for drug testing, yet we don't actually drug test them at the time we hire them. However, we keep the consent form on file so that - suppose a year from now it appears they are coming to work high - then we can drug test them.

It's possible they might not run your credit when you apply. But suppose money ends up missing or customer's data is stolen down the road - they might run your credit then to see if you have a motive.

i just wanted to know what they look for look i went to jail over night and was let go the next day for stealing in a store it was just a small thing i told and i had to pay and fine and i was able to go home the next day but i got this good job working at theis new store and i was hired but wont start until the crmmial background check comes back and i need to know if iam going to get this job i really need it i have a daughter and need to pay my bills can you help me

i just want to know if you think i will get the job if iam going for cashier and they are doing a crimmal background check i signed for them to do it i gave them my promission to do it and i just need to see what they look for bigs cimes or liitle ones

It depends. What kind of crimes did you commit? I would say if you were convited of any kind of theft, such as embezzlement or burglary, you will probably not get the job.

i had a theft but if it was a little thing i told make up from walmart and i was young but i dont know what to go about this back ground check he said he would let me know but if i got the job but why wouldnt i get it i have worked alot of other places before i ever had that problem should i get the job or not do they just check for felony i dont have any of them at all

i was charged with theft no felonys i havent been truble for anything else and i want to know would that hurt me from getting a job as a cahsier i was hired ans now aiting on a crimmal background check to come back.

I would think they check for felonies and misdemeanors but I really don't know. Did you tell him about this up front? Sometimes honesty can make a real difference.

Where I work, I do background checks on new hires. We don't do credit checks. Just background checks. However, it does include criminal history. Just my experience, and I'm sure it varies, if someone's background check comes up and they have been CHARGED with a crime, we usually don't hire them. We've had some that come up with JAIL TIME, and we really don't hire them. This is just my experience. A lot of times, they will look at the crime and see if it merits not hiring the person. If it was something really petty - like they got into a fight with someone - we will overlook that. However, in the case of becoming an actual cashier, who handles money, in a store and your criminal check comes back showing you were charged with theft and served time (even though it was only a day), odds are they won't look at it favorably. I don't want to be a "downer" here because I would really like to see guest get the job and get a paycheck. But I just wanted to post my experience with doing background checks and how they responded to criminal charges.

I would also think it would depend on how long ago the crime was committed. I mean, if I'm going for a job and the crime I did was 10 years ago, I think the employer would be looking at it more favorably than if it was 10 days ago, for example.
Also, I have found that it's best to be up front on a job application because it doesn't look as if you're hiding info. You can also be potentially let go for lying on an application if something does come back that you didn't disclose.

ks is so right on both of her points. We will "overlook" something that comes back on a background check if it was years ago. However, there is an area on the application to disclose anything that you might want them to know. Like if you got in trouble, what the circumstances were, what was the outcome, etc. When people fill that out and are honest and write down what happened and are not hiding anything, we look at that favorably also. So when the background check comes back, first of all, we're not surprised to see something on there, and also, if the person filled out the application and said "no" to any criminal offenses and something comes back, that's a "no-no" to us. That just means that they lied on their application.

Most jobs requiring dealing with large sums of money, will do a credit check to see if you would be more apt to steal. Its not a practice I agree with, but it happens, and the only way you know in most cases is on your credit report.

I was just hired for seasonal work at Bealls and was instructed to come in and do my paperwork and watch videos to company polices/procedures. Amongst my paperwork was a release to allow them to do a credit check on me which I found odd. Does this mean that possibly after the corporate office receives my hiring packet that I could be let go for bad credit? I work for the state and can't understand how this wasn't a part of my pre-employment that an independent vendor could require this?

last summer i went to court for bad checks, (misdemeanor). when i applied at temp agencies and they asked about misdemeanor charges i checked yes and explained why. the ones that i checked yes for i was turned down. (i was applying for manufacturing jobs). i was trying to be honest. at the same places, i know people who has served time for armed robbery and drug charges and theft and they got jobs. a friend of mine told me to stop telling them about the bad checks so i did.