Credit history plays a very important part in every individual's life. Right from buying a car to getting a job, everyone is interested in the credit history of the individual and make decisions based on it.

Credit history is a very important part of the job screening process as well and most employers are now beginning to do it along with employment background checks. Most employers use the applicant's social security number to get credit reports from the three main credit reporting bureaus. The information contained in the report is used as an indicator in the job screening process.

Most employment background screening comprises of checking background and credit information of the individual. Most small companies tend to use readily available software for the purpose of employment background screening check while large corporate organizations outsource this work to employment screening services.

Most applicant screening programs include examination into an individual's credit records, court records, driving record, education verification and previous employment verification. Depending on the job applicant screening is mandated by law. For example, commercial drivers are required by law to go through drug testing.

Employment credit screening is only one part of the applicant screening process. However, it is a critical part of the job screening process.

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