Will I not get a job due to a bad credit score/history?

[Quzy]

I believe this has been asked or at least brought up before but everything I found was from 2008-2009 and times do change, so I wanted to make a quick question, asking if you've ever been denied employment due to a credit report?

My credit is not glowing, my score is under 500 (which I found out they do not pull your score), I have an auto loan for 6.5k and about 9k in credit debt due to being an authorized user on my parent's cards. Will the credit check show that they are not my cards and I'm just a user on them? Also, I have about.. 6-7 collections accounts from when I was 20-21 and I have since paid them alllllllll off, and I have one more that I am still paying off now from Victoria's Secret that's around $200, nothing major, just going through the motions on it.

I went into the interview (it's for being a cashier at a car dealership, BMW to be exact, so I would be handling large sums of money. I've also worked for toyota in the past and have a great reputation there and left on great terms) and I rocked the interview, the office manager was super happy and impressed with me, even saying she wanted to hire me on the spot but she had to go through the new owners first and they wanted a background check. I asked her if they did a credit check, or just background. She said she believed it was just background, and we had a small conversation from there, I mentioned my credit was less than savory, and she asked why, and I explained what it looked like, and said I was trying very hard to turn it around. She said that it shouldn't be a problem, and that she believed it was only criminal. We had a nice conversation then about how bad credit doesn't make an employee bad, and said my references were great and I shouldn't have any issues, even asked if I could start right away after the drug test (which comes after the background check)

So I got home, the email had come from corporate and I saw the doomed words "Fair Credit Reporting Act" at the top to give my authorizaton for them to run the check. I was so upset.. and I've been biting my nails off freaking out that what shows on my credit report will deny me the job :/ I really want this job, it's exactly what I need and want to continue and move on from being in debt and with bad credit..

I think I'm just overly anxious and scared!

[Quzy]

I believe this has been asked or at least brought up before but everything I found was from 2008-2009 and times do change, so I wanted to make a quick question, asking if you've ever been denied employment due to a credit report?

My credit is not glowing, my score is under 500 (which I found out they do not pull your score), I have an auto loan for 6.5k and about 9k in credit debt due to being an authorized user on my parent's cards. Will the credit check show that they are not my cards and I'm just a user on them? Also, I have about.. 6-7 collections accounts from when I was 20-21 and I have since paid them alllllllll off, and I have one more that I am still paying off now from Victoria's Secret that's around $200, nothing major, just going through the motions on it.

I went into the interview (it's for being a cashier at a car dealership, BMW to be exact, so I would be handling large sums of money. I've also worked for toyota in the past and have a great reputation there and left on great terms) and I rocked the interview, the office manager was super happy and impressed with me, even saying she wanted to hire me on the spot but she had to go through the new owners first and they wanted a background check. I asked her if they did a credit check, or just background. She said she believed it was just background, and we had a small conversation from there, I mentioned my credit was less than savory, and she asked why, and I explained what it looked like, and said I was trying very hard to turn it around. She said that it shouldn't be a problem, and that she believed it was only criminal. We had a nice conversation then about how bad credit doesn't make an employee bad, and said my references were great and I shouldn't have any issues, even asked if I could start right away after the drug test (which comes after the background check)

So I got home, the email had come from corporate and I saw the doomed words "Fair Credit Reporting Act" at the top to give my authorizaton for them to run the check. I was so upset.. and I've been biting my nails off freaking out that what shows on my credit report will deny me the job :/ I really want this job, it's exactly what I need and want to continue and move on from being in debt and with bad credit..

I think I'm just overly anxious and scared!

[myjourney]

Welcome to the forum 

In some cases now a days it may have an effect of employment and in some cases they don't even run a report even tho they ask for the info 

Hopefully you'll get the job regardless.

I see you posted the same question in two forums so I'll ask that one be deleted and hope you get more responses here 

Good luck 

[Quzy]

Thank you! I'm sorry about that, it was a mistake, I meant to post it here and thought I didn't post it :x!

[myjourney]

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@Quzy wrote:

Thank you! I'm sorry about that, it was a mistake, I meant to post it here and thought I didn't post it :x!

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Its ok 

I have my fingers crossed for you 

[wHiTeSoL]

I can't tell you what your employer may look at but I can tell you what mine did. My current position required my company (AT&T) to pull my credit along side the background check, I must have been in the 550s late last year when they did. Not a peep, cleared everything, got my corporate cards, and was off doing whatever it was I was supposed to do. 

I'll cross my fingers with myjourney and wish you godspeed. 

[Quzy]

Thank you so much for sharing your experience, I am crossing my fingers as well. It's quite scary, and thank you both for hoping for me.

[Anonymous]

When an employeer checks your credit, IMO, it will only hurt you if you are getting a job that requires the use of money or a government entity.  Those type will be way more concerned with your credit than others.

[benandjerry]

I would think your previous work experience with the other dealership would count 100x more. And since you left on very good terms there, I am sure the referral you got was excellent, so I think your creditscore should not affect your chances of getting the job.

[Quzy]

I agree, but because it is a car dealership dealing with cars over 40k or more on a daily basis would be very common. Of course, I would never touch my employer's money or goods.. ever. I won't even take $20 when I find it on the ground near a cash wrap at a store. I feel if money is in a store, it's their's and not mine. I've worked multiple retail jobs as well, where I was a manager and I handled deposits way over 15k.. never had a problem and I have glowing references from them as well.

Just bad credit, and I made some bad decisions where I didn't really look at it as not my money when I was younger, then come to realize..it's not, and needs to be paid back. Which I will happily do.

But yeah, just worries me because I would be handling large sums of cash, so I can see why it would worry them.