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Job Denied Based On Credit Score

Updated on August 18, 2011

Job Denied Based On Credit Score

Are you willing to comply with a background check? Part of that background check may be agreeing to a credit check as well. But is it a fair assessment of the person that is applying for the position?

Being denied a job based on a credit score is not uncommon, especially if the position requires employees to handle customer personal information such as credit card numbers. Employers may be reluctant to consider or may deny a position to an otherwise qualified candidate based on their credit score, despite the lack of criminal history. Although understood for employers to protect themselves from the possibility of identity theft, could this act be a new form of discrimination that is ignored.

"Since 2003, Floridians have reported over 65,000 incidents of identity theft"
"Since 2003, Floridians have reported over 65,000 incidents of identity theft" | Source

Understanding Your Credit Score


Wikipedia defines discrimination as: "the prejudicial treatment of an individual based on their membership in a certain group or category. It involves the actual behaviors towards groups such as excluding or restricting members of one group from opportunities that are available to another group."

The EEOC (Equal Employment Opportunity Commission) protects against the discrimination based on race, sex, religion, or national origin.

Who protects the employment of the financially challenged?

Loss of job, pregnancy, accidents, and illness are all examples of situations that could result in poor credit history. Passing judgments of laziness, poor financial decisions, or subject to turn "criminal" is stereotyping at best. Individuals well-qualified and in need of employment to improve their financial status and credit history are being denied the opportunity to explain or justify any poor credit standings, and being denied opportunities to improve their situation. With the scarcity of jobs currently in the workforce, this is just another roadblock in the way of some honest individuals that are desperately trying to care and provide for their family.


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    • Laura in Denver profile image

      Laura Deibel 6 years ago from Aurora

      This is sad, but having had a major medical incident in April, my credit is hit badly.

      I was told that medical stuff is not as badly looked on as like credit card default. I sure hope so, because the morons took me to the wrong hospital and even at the right one, creditors said I did not qualify (with card in hand!!!)

      When getting 12 letters each two weeks while recovering, this is difficult!