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Federal Job: Is it only for people with good credit score?

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Theresa



Joined: 11 Nov 2008
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Posts: 7



510 Magic Points

Subject: Federal Job: Is it only for people with good credit score?
 
Posted on Wed Nov 19, 2008 3:20 am  

I read somewhere in this forum that he is trying to improve his credit to get a federal job. I didnt know that it is a requirement to have a good credit score to get a federal job. I would think it is mainly for people who are trying to work in a financial instituition in a federal government. It seems very discriminating to judge your character through your credit score. Can somebody give me some input about this because i am looking forward to getting a job in the VA hospital system.
carol

carol

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Posted on Wed Nov 19, 2008 7:44 am  

Hi Theresa
Yes, your financial background may be checked before you are offered a Federal Government job. Almost all employers scrutinize your credit report before you are offered a job and if your credit score is low, you may not be considered for the job. Credit score determines not only the credit worthiness of the individual but also shows how much he is responsible in repaying the money he has borrowed and hence his responsibility towards his duty.
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Justin

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Posted on Wed Nov 19, 2008 9:11 am  

Mostly, the employers including the federal government pull out your credit report and check your credit score to be sure how conscious you are in repaying back your existing debt. Not only in financial sectors, when you are selected for jobs in defense and police departments, your credit report and score may also be taken into account. This is because, if your credit score is low, you will always be trying to improve your score by repaying back the debt and for repaying back the debt, you may go for taking bribes. That's the main reason why maintaining a good credit score is so important
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scott

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Posted on Wed Nov 19, 2008 9:35 am  

Yes, justin is right. But the employer has to get a written authorization from you before they pull out your credit report to make a background check under the Fair debt collection practices act. However, if you do not authorize them to pull out your credit report, you may not get the job. Moreover, even after getting a job, the employer may conduct a credit check which taking decision on your promotion.
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fireyone



Joined: 26 Feb 2008
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Posted on Wed Nov 19, 2008 5:24 pm  

I have learned about this myself since coming here. It was at first really surprising to me that an employer could use your credit score to determine whether you get a certian job or not. I have not run across any personally. I do understand the importance of this if it was in the federal goverment or dealing with any type of money. Just goes to show everyone their credit really is crucial and worth prtecting.
Theresa



Joined: 11 Nov 2008
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510 Magic Points

Subject: Federal Job
 
Posted on Thu Nov 20, 2008 3:36 am  

My friend just got hired in the VA hospital. She said that her credit report was not checked. Are far as she knows, VA wants to know judgment against you but really doesn,t care about credit scores. Looking at VA hospital employee population, they all don't seem to have good credits.
carol

carol

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Posted on Thu Nov 20, 2008 7:25 am  

Most of the employers pull out your credit report to check whether you are regular in making payments towards your obligations. They may not check your credit score. But if you have negative information like judgment and charge offs in your credit report, you may find problem getting the job. Judgments and bankruptcies give a very negative image to the employer and one should always avoid such types of public records in your credit report.
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fireyone



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Posted on Thu Nov 20, 2008 2:32 pm  

We live in the back woods here Theresa and they do not really pull reports much. I have had a few jobs over the years and my husband switched to a high paying job. They have never done a credit check. I think most may do it depending on what position you are going for. My sister is a veteran ond she works for the State. For some reason they never pulled her record either. Guess it really just all depends but I have heard of employers doing this. Myself I think they would be more concrened with their criminal report.
goodnatured



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Posted on Sun Nov 23, 2008 1:20 am  

I see this more and more with the employers pulling credit reports, I have asked them why they do this and thier reasons seem reasonable really. Some of the companies have to give their employees credit cards and company vehicles. They are concerned that the employees will use the credit cards for purposes other than work and use the vehicle for other than work purposes.

Most of the time the jobs that don't have this type of employment that will pull the reports are the ones where the employee will be handling money or some other financial transactions.

If it is a factory job or some other job that does not require these situations then they usually won't pull it.

Credit reports will also affect your car insurance rates, they think that if you have a bad score you are more likely to commit fraud, intentionly wreck or vandalize your vehicle to file a claim or do some other fraudulant activity.

bad credit can affect many parts of your life, it is good to start repairing it as soon as possible.
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fireyone



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Posted on Sun Nov 23, 2008 1:31 am  

Gn that sounded like a tongue twister:thier reasons seem reasonable really. LOL. You are correct though..they have some really good reasons for pulling the report. How many times I have heard on the local news about people taking their company credit card for a ride. So I guess if you have a bad cedit record it would be ebst to hang around the jobs that do not pull your record, there are some higher paying ones, and then when it clears take it from there.
Question
Guest






Subject: Credit
 
Posted on Tue Mar 03, 2009 3:54 am  

I think the pratice of pulling credit reports as an indicator of job performance or preditor of potential criminality is insane. It just goes to show we have not advanced as a civilization much....Years ago, thumb screws were used as lie detector tests--the same level of thinking has not changed.
carol

carol

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Location: Los Angeles, California


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Posted on Tue Mar 03, 2009 5:56 am  

Hi Question
As far as I know, the employers pull out your credit report only to check your credit history which reflects your sense of responsibility. Moreover, if you are delinquent, there is a possibility of the creditor bringing judgment against you to garnish your wages. Now, since the employers may face difficulty while garnishing your wages, they do not hire employees with poor credit history.
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marknez
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Posted on Sat Aug 29, 2009 7:11 pm  

I have filed Chapter 7 bankruptcy. Can I get a Federal Job?
suzy
Guest






Subject: federal job
 
Posted on Sat Sep 26, 2009 7:11 pm  

Can the Federal gov. pull your credit report without your permission?
Mike400
Guest






Subject: credit check
 
Posted on Fri Nov 13, 2009 5:12 pm  

it is true that companies and federal employers pull your credit report. However, it is usually more to scrutinize someone's payment history than the credit score. I had a 740 and a low balance on two cards when my identity was astolen two years ago. I lost my job and have not been able to get anything permanent since. Now, my credit record is destroyed. I couldn't pay the extra debt even if I wanted to. But, I no that I shouldn't have to. I called the FCC who put a hold on my SSN number, so no other accounts can be opened in my name. They told me to file with local police, which I did. However, they just took a report and all of the info. I had on the accounts that I did not open. I have not heard from the detective since.

Any suggestions??

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