Many employers require credit checks in addition to background reports before hiring or promoting an employee. Employers use the information to determine a person's responsibility and trustworthiness. Information on your credit report can affect current and future job offers.
Available Information
An employer credit report will show your Social Security number, employment history, current and prior addresses, and financial information such as loans, liens, bankruptcies and payment history.
Hidden Information
To protect you financially, account numbers are omitted from an employer credit check. Additionally, your marital status and date of birth are hidden.
Bankruptcies
Under U.S. Federal Bankruptcy laws, you cannot be fired from a job or discriminated against due to a bankruptcy on your credit report.
Considerations
Previous employment credit checks won't show up for current or future employers and will only be visible when you check your own credit report. Additionally, your credit score is not affected by these "soft inquiries."
Your Rights
An employer cannot check your credit without written permission from you. If you are denied a job, or your job is adversely affected due to information on your credit report, the employer must give you the reason and supply a copy of the report.
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