Employers doing credit checks?
#11
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Joined APC: Mar 2018
Posts: 307
Southwest definitely includes credit as part of the background check. The company that does the check runs the report (Google sterling). They only see payment history and not the actual credit score. I’m pretty sure most legacies will check this as well. If you’re continually late on your bills, then it could show a lack of responsibility to the company. I don’t think regionals care though.
#12
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Joined APC: Mar 2018
Posts: 307
The employer's question is valid: can this applicant live on what we pay? Is this applicant financially responsible? Does this applicant live up to his or her obligations?
Credit isn't just a score; it's your financial history. Have you defaulted on payments? If you default on payments, it may alert the employer to the integrity of the applicant. Will the applicant take the training and run?
Credit isn't just a score; it's your financial history. Have you defaulted on payments? If you default on payments, it may alert the employer to the integrity of the applicant. Will the applicant take the training and run?
#14
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Joined APC: Aug 2016
Posts: 338
Southwest definitely includes credit as part of the background check. The company that does the check runs the report (Google sterling). They only see payment history and not the actual credit score. I’m pretty sure most legacies will check this as well. If you’re continually late on your bills, then it could show a lack of responsibility to the company. I don’t think regionals care though.
#15
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Joined APC: Oct 2017
Posts: 162
Employment screens show up as a soft inquiry and usually would show up as a third party. If you see a soft inquiry during the relevant time that you don't recognize, that could have been the pull. I have only seen an employment related pull after I was hired during the background check. Definitely have read in news articles that more and more employers are using the credit report in hiring decisions though. Would be interested in hearing anyone's anecdotes..
#16
Gets Weekends Off
Joined APC: Aug 2016
Posts: 338
Employment screens show up as a soft inquiry and usually would show up as a third party. If you see a soft inquiry during the relevant time that you don't recognize, that could have been the pull. I have only seen an employment related pull after I was hired during the background check. Definitely have read in news articles that more and more employers are using the credit report in hiring decisions though. Would be interested in hearing anyone's anecdotes..
Mine was pulled after I was offered the job as well, and it wasn’t the CJO it was the literal call from the CP. believe they have to be careful with how they conduct the background check. I don’t have perfect credit and didn’t hear anything about it. I guess it would be weird for them to call me after offering me the job, and then ask about my credit. This was was early 2018 though, so I have no idea what they currently do.
But I believe at certain legacies they pull credit as part of the background check, and they will inquire about it.
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#17
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Joined APC: Feb 2008
Posts: 19,224
Any decent employer in almost any industry with high pay and responsibility is going to run a credit check as part of the hiring process. It’s one of the best indicators of how a applicant might work out. It won’t be a deciding factor but it will carry a lot of weight. It’s also being factored into many other areas including what you pay for home and auto insurance. All the majors pull some form of credit check.
#18
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Joined APC: Dec 2017
Position: Retired NJA & AA
Posts: 1,907
My credit is frozen because my ID was stolen in late 2016. Don't need credit (other than a couple of rewards credit cards I've had a long time) so haven't unfrozen it. I wonder what an airline would do in that case? Force you to unfreeze so they can check it? I can pull up my FICO score on my Capital One App, the score is very good. But it's a PITA to unfreeze the credit, especially with Equifax, they want 2 notarized letters (most incompetent company I've ever dealt with).
#19
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Joined APC: Aug 2016
Posts: 338
My credit is frozen because my ID was stolen in late 2016. Don't need credit (other than a couple of rewards credit cards I've had a long time) so haven't unfrozen it. I wonder what an airline would do in that case? Force you to unfreeze so they can check it? I can pull up my FICO score on my Capital One App, the score is very good. But it's a PITA to unfreeze the credit, especially with Equifax, they want 2 notarized letters (most incompetent company I've ever dealt with).
The place I work at now outsources background checks to a third party. They require you to unfreeze your credit report to complete the BC.
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#20
Gets Weekends Off
Joined APC: Aug 2016
Posts: 338
My credit is frozen because my ID was stolen in late 2016. Don't need credit (other than a couple of rewards credit cards I've had a long time) so haven't unfrozen it. I wonder what an airline would do in that case? Force you to unfreeze so they can check it? I can pull up my FICO score on my Capital One App, the score is very good. But it's a PITA to unfreeze the credit, especially with Equifax, they want 2 notarized letters (most incompetent company I've ever dealt with).
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