Many of today's employers conduct employment credit screening as a part of their hiring process. It may seem unnecessary to check a person's credit history as a par of their pre-employment assessment unless they're actually handling money, but there are a host of reasons for doing this kind of search. A person's credit history says a lot about how responsible they are, and how they have been able to follow through on things.

Employment screening companies can easily provide credit information on any potential new hire. When conducting employment credit screening, it is very important to abide by the Fair Credit Reporting Act, particularly in relation to sections 604, 606, and 615. There is a lot of information that an employer can legally find during pre-employment assessments, but they must ensure that it is accurate and complete, and they cannot pass this information along to others. Employment screening companies are more likely to follow the FCRA, though, because they are experienced in this field.

It is also necessary to inform a person that this sort of employment credit screening will be conducted. The FCRA also requires employers to inform people about any negative information that comes up during the pre-employment assessment, if they desire. The consumer credit report consists of personal information, credit characteristics, general reputation, and lifestyle. This is important information for an employer to have, as long as they obtain it legally.

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