Are pre-employment credit checks the same as background checks?

No, pre-employment credit checks are a specific kind of background check focused on your credit history. Both credit and background checks could be part of the employment qualification process. Other types of background checks may include checks for criminal history, drug screenings, or employment and education verification.

How do pre-employment checks differ from regular checks?

Employers use pre-employment credit checks to assess employability, while creditors use regular credit checks to see if you qualify for a loan or credit card. Employment credit checks are less comprehensive and don’t impact your credit score.

Can an employer see my credit score?

Employers cannot see your credit score through an employment credit check. Some cities, such as New York City, have specific restrictions on what employers can ask about your credit history.

How do I check my credit score?

You may be able to check your credit score with tools offered by your credit card company or bank. Alternatively, you can keep up with your credit score through the daily updates that come with LifeLock Ultimate Plus.

Credit check for employment: What do employers look for?

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