Shopping Cart

(+880) 1818 501740

Shopping Cart

view cart

Employee Credit Check

Employee Background Checks and Credit Checks

Credits Reports


An employment credit history report offers valuable insight into an applicant’s sense of responsibility and financial track record. These considerations weigh strongly when hiring forfinancial services organizations and retail companies or for positions of fiscal responsibility. A good credit check is also an important consideration for property owners performing tenant screening.

HR Reco’s credit reports cover more than just an applicant’s credit history, including:

  • Identifiable maiden names, aliases and nicknames
  • Prior living addresses and previous employer information
  • Complete Fair Credit Reporting Act (FCRA) compliance and guidance
  • Quickly verifying and expanding on information
  • Revealing conflicting information that may need further review or clarification.

Employment Credit Checks and Employment Credit Reports

Information available from your credit report can hamper your job search and can be grounds for knocking you out of contention for a job. Especially when it comes to jobs where money and financial information is involved, bad credit can be an issue. By accessing information from all three major credit bureaus, HrReco credit history background checks can identify whether a job candidate and potential tenant has any accounts in collections, open loans, inquiries made by third parties, or similar warning signs. Credit history checks can be prudent supplements to a criminal records search, sex offender registry check and reference check.

Employers Must Ask Before Doing a Background Check

Before doing a background or credit check, employers must request and receive written permission from you to do the check. If anything in the reports leads to the company deciding against hiring you, they are required to inform you and give you a copy of the report. These rules are regulated by the Local Trade Commission and are meant to protect you. For instance, perhaps something that turns up in your background check is incorrect—having access to the report will allow you to get in touch with the necessary organizations and agencies to correct the error.

While some information on your background check may be of legitimate concern to employers, these checks cannot be used as an excuse to discriminate. Employers must request background checks of all applicants equally—that is, it would be illegal to check the criminal records of male job candidates but not female.

And, employers cannot use background information to discriminate.

Contact the Equal Employment Opportunity Commission (EEOC) if you suspect the background check was used in a discriminatory way. It is discrimination to make a hiring decision based on race, national origin, sex, religion, disability, genetic information, and age (for candidates 40 or older).