as someone with a bankruptcy in my past, I have asked many HR department managers about what they look for in a credit report. The majority use your consumer report to verify past addresses, criminal fraud, and any possible wage garnishment issues that the company may have to be a part of. Most background check companies do not see your credit score at all (since it is basically a constantly changing number). Also, most companies see an abbreviated report that shows your address history, public records(bankruptcy), and just the number of accounts in good/bad standing.

Some however get the full blown report and anything in your past can be looked at. I wouldnt be worried unless you have a criminal fraud conviction in your past. Our HR people have told me that they dont hold bankruptcies against potential employees especially pilots since the rate of job loss in the past has risen. Hey just think about the stack of resumes that UA/DL/CO/NW/US etc. have in their files now. I think that this "reponsibility" thing does both ways, they want responsible pilots and we want a responsible employer. If credit was a determining factor in this there would be no airline industry.