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Please HR people, what EXACT information is given to the employer when a credit check is done?

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Kathleen Fisher

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Please HR people, what EXACT information is given to the employer when a credit check is done? How specific or complete is the information? Is it just the credit score or more details like the amount of outstanding debt and past due amounts? Thank you!

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  1. Anonymous

    I believe every company is different but for ours when we run a credit check we are able to see:
    *Public Records
    *Hist Neg Trades
    *Hist Neg Occurr
    *Open Trades
    *Revolving (high, limit, balance, past due, payment, available %)
    *Installment (high, limit, balance, past due, payment, available %)
    *totals
    *Inquiries

    Meaning it shows us credit cards, student loans, mortgages, any delinquency, foreclosures.
    Hope this helps!

  2. Kathleen Fisher

    This is great, thank you so much!! In a relatively low level position, what would stop a company from hiring a person a not great history?

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