What's the deal with credit checks?

So what does employment have to do with credit? Simple, many employers check your credit as a part of the interview and screening process. If you are currently in the market for a new company, be proactive. To start, visit annualcreditreport.com: this is the yearly free credit report you are entitled to. Verify that your information is correct and any discrepancies are corrected. Taking a few minutes prior to the interview will put you in a better position down the road. But what if you are in the process of making a large purchase such as a new home? Ask your potential employer during the interview whether or not they consider credit as a part of the background check. If they do, find out if they run a soft inquiry or a full one. A soft inquiry will not show up on your credit report whereas a full inquiry not only shows up, but deducts points.