So I just got offer a job as a contractor for a financial and advisory firm (a big 4.) The work looks fun, the boss seems terrific and the money is outstanding especially after being underpaid for many years.

Anonymous

September 18,2021 at 5:09PM UTC

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So I just got offer a job as a contractor for a financial and advisory firm (a big 4.) The work looks fun, the boss seems terrific and the money is outstanding especially after being underpaid for many years. Even though Im a contractor Im still going through the full background check for this company. I have no criminal record or bankruptcies though about a seven years ago I went to housing court but didnt get evicted. I have some taxes Im paying off (bad accountant) but no open collections. I dont have poor credit, but below average credit because I don’t keep credit cards. So Im very worried about the credit check. I have two debts for medical costs but they are in good standing and around $10k and the job Im going for would be mid six figures. I would not be working in a financial role but a marketing role. How worried should I be that it will fall through?

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MichelleSeptember 18,2021 at 7:56PM UTC
Congratulations! That's awesome! Your debt isn't that big, and it's not a financial role. Plus, right now, so many people took hits financially due to covid. I wouldn't worry too much.
AnonymousSeptember 20,2021 at 1:04PM UTC
As a person who has looked at background checks for YEARS, based on this information, I would not be concerned. Typically when we run a credit check it is based on the position, not the fact that we are a financial services company. We have to evaluate the results (criminal and credit) based on the position and it relevancy. If it is not job-related, we usually don't consider it unless there is some kind of pattern. Same for credit checks, we look at a pattern such as charge-offs (especially high balance); recent bankruptcies, judgements, or liens. We do not consider medical and overlook that. For collections, it depends on the amount and the collector. And with all backgrounds, if we see something that looks odd, we contact the candidate first to discuss before making a decision. Even if it is a no, the candidate still can dispute either the findings of the report or ask for reconsideration by providing us with additional information (maybe it was a divorce, illness, bad accountant, relocation, etc., that caused the issue). Good luck.
Bobbie LloydSeptember 20,2021 at 3:42PM UTC
I think you should not worry especially since there are no negative issues that may raise a concern. Get your 1st 100 day plan ready!