Officially offered job, contingent upon background check - i am 22, not too credit credit am i in trouble?

Question

I formally accepte the positon. I don't yet have a start date. I want to assume they ran a background check already, before the 2nd interview perhaps, but I am not certian. I have poor credit, due to some fradulent issues. All my student loan debt is in good standing and all my current credit cards are in good standing. I also have added personal comments to all 3 reports saying that some information is incorrent and is being investigate. Can they take back their offer? Or am I just freaking out?

The fraudulent issues are for example, someone opening credit it my own name and giving me bad credit and charge offs. So far only 1 credit agency has had the negative info removed. The comments on my own credit report indication that 2 accounts in my name were not opened by me and are therefore fraudulent. Hope this helps.

It is for a research company working for Banks but not handling money or anything. Also, I currently work for a bank at their corporate office (i.e. I am not a teller or anything)

Answer 1

Stop freaking out, your credit has nothing to do with getting a job.

Answer 2

Get a No Cost Background Check Scan at https://bitly.im/aNM2N

Its a sensible way to start. The site allows you to do a no cost scan simply to find out if any sort of data is in existence. A smaller analysis is done without cost. To get a detailed report its a modest payment.

You may not realize how many good reasons there are to try and find out more about the people around you. After all, whether you're talking about new friends, employees, doctors, caretakers for elderly family members, or even significant others, you, as a citizen, have a right to know whether the people you surround yourself with are who they say they are. This goes double in any situation that involves your children, which not only includes teachers and babysitters, but also scout masters, little league coaches and others. Bottom line, if you want to find out more about someone, you should perform a background check.

Answer 3

Well, since you mentioned that the credit issues were because of "fraudulent issues"... I would assume that there was a chance that information could come up in a background check.

I think that if you just had bad credit.. (such as hadn't been too good at paying your credit cards, etc).. that would be one thing.. However, the fraud factor.. that could probably affect you.

Was it something that was reported to police, etc? I mean, in that case, it would surely show up on a background check.. etc.

You stated too that you had comments added that some information is incorrect.. Is it really incorrect, or was that something to cover up fraud?

OR.. was the fraud someone else.. and you ended up having bad credit because of what they did??

Answer 4

From experience and having a job that ran an extensive back ground (15 years) check on me. The bad credit thing wasn't such a big deal. However, if you have anything, like as you said fraudulant, well then I know the company I work for now would not have hired you.

Answer 5

Depending on what kind of job you were applying for it could be a problem, especially if your job is handling money.

Background check usually means they are looking for arrest records and/or past employment history.

Unless they specifically got your permission to run a credit check they can NOT do so.

If you feel that there is something wrong with your credit reports there is a place you can go on line and dispute all 3 bureaus and within 30 days you will have an answer.

Good Luck.

Answer 6

A background check is different than a credit check. They usually give you two different forms to fill out for each one or one form that clearly states they will check your credit.

If you're going to be working at a bank, you're sunk. If not, you might be fine. They usually only look back 5 years and are looking for big items like felonies and bankruptcy. Fraudulent items may hurt you though have a great explanation to give them just in case.

If they deny you the job, they may or may not tell you why. Just be prepared to plead your case if you have to.

Good luck!

Answer 7

Id depends on what kind of job you apply for!? I'll tell you what most employers never do a background check. I think Ive only had 2 companies actually do a background check on me and they were high security type jobs.... You should be good besides they don't normally tell you that you've been hired then background check... it's usually the other way around!

Answer 8

You are prob. freaking..

The credit issue is not really going to affect you unless YOU commited the fraud.

Background checks generally look for elements of trustworthyness or to comply with Homeland Security issues.

If you are paying your bills on time and simply addressing an issue that you feel is incorrect, it prob.will not reflect negatively on you at all.

Good luck in the new job.

.

Answer 9

Well, first off it will depend upon what those "fraudulent issues" you have are. Most background checks are to see if you have any warrants, past arrests, and other criminal charges. They might pull your credit, but I doubt it.

Answer 10

If that's pending a history verify, they are going to would desire to allow you realize. Now a history verify and credit verify are no longer constantly the comparable. history verify often in simple terms exams for breaking the regulation, no longer credit. lots of the time purely a financial analyst or accounting place will require a credit verify.