Background check

Background check

I'm job hunting and everyone is starting to comment on how difficult the job market has become in 2024. I went through a bad, long drawn out divorce just as the pandemic hit and my X ruined my financial credit. It wasn't my fault but it hit me hard. I moved halfway across the country to get away from my X which also shows up on my resume. When is the best time to disclose the topic related to my financial background check? How much of an impact is a credit score in this post-pandemic environment?

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5 Comments

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  1. Anonymous

    If it actually comes up. I would just make a simple statement: "divorce is hard on every aspect of your life"

    Enough said, next question. You never point fingers or place blame. The hiring managers don't know you so they can read all kinds of things into a defensive posture. You need to keep the focused on your skills, poise and great attitude & confidence.

  2. Joan Williams, Senior Talent Acquisition Specialist

    When is the best time to disclose the topic related to my financial background check? Never unless it specifically comes up.

    Some companies run credit reports but in my 20 plus years recruiting, credit reports have only been run for finance positions or for those handling cash. So depending on what you do, it may never even come up.

  3. Anonymous

    I'm in finance and always have background checks.

    IF, IF, IF they mention, tell them credit issues with ex so if they see something questionable, they aren't blindsided. (I had same issue, ex ruined my credit)

    If your skills, references, negative drug and criminal clean, I'd hire you!!!
    If they pass you up because of this, you have a right to copy of background report. Plus THEIR LOSS.

    But as long as no criminal or drug you should be just fine. (People with perfect credit have issues too; I wish employers would look at the big picture)

  4. Anonymous

    Don't disclose unless asked, or notified that the check is necessary. Credit checks are used for people handling large sums of cash, in high-level decision-making positions, or anyone on the finance team. I once had duties removed from me because of my credit score (recording and acknowledging donations), but I later got a job selling cars with no credit check. Each company is different. Somewhere in the application process, there should be a notification that the criminal and credit background will be required and you must sign a release allowing them to do it. As long as you review all pages before submitting them, this should never be a surprise. Since both checks cost the organization money, they generally will not do it until they are ready to or after they make a verbal offer.

  5. Anonymous

    A credit check is not an automatic part of a background check - unless you are looking for a position that handles money. And even then, it's not an automatic part.

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