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  Chapter 7
  Who Can Look at Your Credit
  Potential Employers
  Insurance Companies
  Lender Inquiries
  Why Inquiries Matter
  Auto Loans & Mortgages
  Credit Card Inquiries
  Inquiries That Don't Hurt
  Permission vs. Permissible
  Sneaky Peeks
  Conclusion
  Previous Chapter
  Next Chapter
  Contents

 

Potential Employers

Why would employers want to view your credit report?

Perhaps you’ve applied for a job at a bank or someplace else where you will be handling money. Perhaps you’ve applied for a high-security job, where you will have access to valuable information. Or perhaps you’re going to be working with other valuables—such as jewelry, stock certificates or bonds.

In all of these cases, the employer or potential employer wants to be certain that you are responsible, not desperate for money. After all, if you’re desperate and you’re surrounded by temptation, you might take advantage of the situation.

Employers and potential employers do receive a different version of your credit report than the one that goes to potential lenders. It’s usually less detailed, with regard to your credit history; and it doesn’t count as an inquiry on your credit score.

Next: Insurance Companies

 

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