Another Credit Report Question

  1. Hi Ya'll,

    A few years ago, I got into some trouble with my credit. I had some credit card accounts go to collections. My brother helped me pay them off 4 years ago.

    Last year, a store sent me a credit card. I used it once, paid it off, closed the account, and cut up the card. Four years ago, I wasn't allowed to open a bank account. A few months back, I was able to open a checking account and savings account. I was so happy.

    Except for school loans, I have been debt free since my brother and I paid those accounts.

    My question: I was offered a nursing position (my first) and I know that they are going to run a credit report on me. Will my past affect my getting this position?

    I normally wouldn't ask this personal a question online, but I'm very afraid and anxious right now. Thanks for reading this and posting. I appreciate your time.
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  2. 12 Comments

  3. by   jurbyjunk
    Have I missed something? Since when has a prospective employer been entitled to a credit check on a prospective employee? In Canada, and probably in the States and other parts of the world, the licensing body can (and does) run a police check but never a credit report. Not attempting to flame anyone but this is the first that I've heard of this.
  4. by   sunnygirl272
  5. by   sbic56
    If nurses with poor credit ratings were unemployable, the nursing shortage would increase 10 fold!! In other words...don't worry! Your credit rating has nothing to do with your eligibility for hire.
  6. by   sunnygirl272
    sheee-it..if we got paid what we are worth, most of us wouldn't have credit probs!!...most of us don't have enough free time to be out playing with credit cards....


    jk everyone..relax!!!!
  7. by   sbic56
    Holy chit! Just reading that thread sunnygirl gave the link to! I may have to stand corrected on this one...

    Gawd Bless America!!
  8. by   RNonsense
    Legally, I do not believe they can base a hiring decision on a credit report! Congratulations for digging your way out! Debt free is the way to be! Good luck to you!
  9. by   ptnurse
    I applied for a job last summer where they did background checks. I don't know if that included a credit check or not. They asked for my drivers license number. Don't know if that would give them access to my credit or not. In the business world credit checks are becoming more the norm(or so my BIL reports). In situations where an individual will manage an office or have access to company funds they check out an employee's credit. I guess they figure that if you have a history of problems handling your money they don't want you around company funds. Of course in nursing, the hospital I work for has never made me responsible for the money.
  10. by   memphispanda
    It BURNS my butt that any employer would run credit checks unless there is good reason to--like they will have access to large amounts of cash or something while on the job. Especially as a new nurse/GN credit problems should be EXPECTED. How many of us have quit our jobs and gone into huge debt just to make it through school?
  11. by   BMS4
    I really don't mind the checks at all. I know the facility has already done a government check, I have military time and they told me that they already checked with the government. The state did criminal checks and I know this facility will too. I'm not worried about any of that. And I don't mind them checking my credit as long as they understand that I was able to fix the problems I had and that I haven't created further credit problems. I will never get into that kind of trouble again. I just want a chance to work as a nurse and prove that I'm not a risk. Which I'm not.

    Thanks again for reading and replying. I appreciate your input.
  12. by   StinkyMcStinker
    Well let me tell you about the Dallas/Ft. Worth area then if you dont think that employers can check your credit report. THEY DO. This is not a widely known fact here because the hosp. council here would like to keep it that way. Just check the site (especially the mission statements and newsletter archives for a real eye opener. www.gp1.com
  13. by   nursedawn67
    I got hired and I have stinky credit..
  14. by   2banurse
    If on your application it says that a credit check as well as other checks are done, I would tell them outright that yes I had problems in the past. Usually, there is a spot on your application where you sign and authorize an employee to check. If nothing is mentioned about a credit check, I would hold off stating anything yet.

    It is a sad truth but there are many that are having credit problems, and if hospitals stay away from qualified nurses with bad credit, they would be even worse off with staffing than they are.

    Kris

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