Employers do not see a job candidate's credit score during a credit check, but rather a modified credit report.
They may use the information to verify your credentials and look for excessive debt or past financial mismanagement.
Overwhelming debt, accounts in collections, or recent bankruptcies could be a red flag.
Employers may conduct checks for jobs that involve responsibilities like handling money, or access to confidential info.
However, not all employers conduct credit checks, and it is usually done after a decision to hire has been made.
It is important to note that employers must inform you that a credit check might be used for the employment decision.
Potential employers must get written permission from the job candidate to do the background/credit check.
Finding poor credit history could give employers doubts about hiring you for financially sensitive jobs.
Having good credit habits, such as paying bills on time in full, and having a low utilization ratio is important.