I have an interview. However in addition to the background and drug test, the employer is going to run a credit check. I am not worried about the background check or the drug test, however I used to have great credit. In fact my score was near 800 about 2 years ago. Some unfortunate things happened that made my credit turn sour. I don't have any bankruptcies or anything like that but my credit is not good. I am wondering if I should be upfront with the HR manager before they run my credit or just go for the interview and let them do their due diligence. The thing is, the HR manager and the hiring manager are really impressed with my qualifications and even the HR manager said she would like to see me get this job because it has been difficult to locate a candidate with the qualifications the hiring manager is looking for? Please advise. Thanks
2006-12-15 01:15:47 · 3 answers · asked by Blk Angel 2 in Business & Finance ➔ Careers & Employment
I wouldn't bring it up in the interview unless directly asked, which is rare.
When it comes time to fill out the information for the credit check, I would be honest to the point of saying you have had some life altering events (loss of job, divorce) that have effected your credit. If you are back on track, most companies will overlook blips. They may listen to explanations, they may not.
The biggest concern with companies and credit checks is if you are handling their money - are you going to be temped to embezzle or steal items to resell to benefit personally?
Good luck, the criminals have made it hard for honest people. Face value doesn't hold it's weight much anymore.
2006-12-15 04:43:21 · answer #1 · answered by Joe S 6 · 0⤊ 0⤋
Don't bother. The drug test and background check are the main things. The credit score is a formality and they usually overlook bad credit scores for the right candidate.
2006-12-15 01:27:54 · answer #2 · answered by Cyber Stalker 4 · 0⤊ 1⤋
If the job is a fiduciary position (money trust) like an insurance agent your screwed. If it is something else they look for other things.
Be honest with the HR person they may cut the interview short but they will appreciate the honesty you displayed
2006-12-15 01:27:45 · answer #3 · answered by ML 5 · 0⤊ 0⤋