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They did one when I applied for my current job, but since it is with a bank, I figured it was either due to a federal policy or the bank's concern about the safety of their customer's money.
Since my credit is okay, I wasn't worried about it, but I don't think they really would be interested in spotty payment history, etc. I think they are much more concerned with hiring employees who have a lot of outstanding debt (far more than
could be met by the salary level of the job).
While it's true that every inquiry does appear on your credit report, you would need to have a lot of inquiries in the same month (say more than 5) for it to negatively impact your FICO score.
Remember, you can reply to anything on your credit report. So, if you did have a theft or identity fraud in the past, it should be notated as such and should not count against you in a routine check.
My current project includes writing instructions for loan officers to read credit reports, so if anyone has any questions about how they work, please feel free to contact me off-list.
-gabrielle
Sean Hower wrote:
> Hey all.
> Last Friday, NPR ran a story about how companies run credit checks on potential employees. I was surprised, I don't think this has happened to me....has this happened to anyone else? Under what conditions did this occur? What were the results?
>
> I'm just curious, because that's the sort of fellow I am. :-)
>
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