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Bad Credit & Employment

Updated on January 4, 2011

Bad Credit affects Employment Opportunities

Today more and more people are pulling your credit score.

Whether you are looking for a new home, apartment, insurance, credit card, interest rates and cell phones. Dating services even pull credit. But more importantly employers pull credit. About 50% of employers now do credit checks on potential employees. Companies most likely to pull your credit include government jobs like military, post office, local and state entities, fire and police. Also those with access to company money like retail, banking, finance and management.

Human Resources Specialist believe that credit is a good indicator of your ability to work. An employee with serious financial problems may be at a higher risk for theft. Some employers fear that an employee may accept a bribe to give away important information. An employee may be too distracted with their financial situation to get there work done. If you have a difficult time managing your money you may have a difficult time managing theirs. Adversely, a great credit history leads employers to believe that you are more reliable, harder working and better able to handle paper work and finances.

It is important for you to evaluate your personal credit and how it can affect your employment; seeing that 50% of employers believe that you are less reliable if you have credit issues. We have to determine how to approach the situation Congress is attempting to pass legislation that prohibits employers from completely eliminating potential employers based off their credit history.But for now there are options. It is important to know what is on your credit before you apply for a job. Your are legally entitled to 2 credit reports a year. Once you receive your credit report if you find any errors contact us and we will be able to help.You need to keep all your credit card balances below 50% of the limit (30%) if possible. And remember to pay all your credit cards and bills on time. One slow pay can drastically hurt your score.

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