when does BK show up on credit report??

[susie111]

Hi
I'm in the process of finding a new job however I know almost all employer run credit check. Want to make sure I'm hired before filing. Does it show on credit report right after I FILED or when it is discharged? If anyone know please tell me.

Thank you so much

[MomIcantFindmy]

Ours showed up within 1 day. I don't know about anyone else.

[PaKettle]

Are you sure "most employers run a credit check"? I didn't think that was the case unless it's a gummit job or high security or bank job or something.
In any case, I've heard that it usually isn't a big deal as far as employment goes.
Maybe it depends on the type of job.
Like creditors who will now give you credit because they know you can't file again, I'd think employers would also see it as a plus that you are not in a lot of debt.

[nomoneynomore]

Ours showed up the same week we filed. We filed on Monday the 19th, and our credit report showed it on the 23rd.

[JRScott]

It usually takes no more than 2 weeks, but can take a month or two in a few instances.

Only employers that generally require security clearance or bonding do credit checks, and a bankruptcy does not automatically cause you to lose out, but it is a mark. (for security clearance a bankruptcy is better than say someone with tons of debt )

[momof5]

Only employers that generally require security clearance or bonding do credit checks, and a bankruptcy does not automatically cause you to lose out, but it is a mark. (for security clearance a bankruptcy is better than say someone with tons of debt )

Thats really not the case any longer. My husbands field of work has nothing to do with security or bonding. He went to 9 interviews and out of those 9 he was offered positions by 4 that were willing to pay him what he was asking. Of those 4... ALL did physicals, drug testing, background AND credit checks! 2 actually told him that everything else was clear and clean except for his credit check. 1 had to recind their offer of employment because of this.
He ended up accepting 2 jobs. One full time and 1 part time. The part time one actually was the one he wanted full time but because of his credit check they could not offer him a full time position.


He is a truck driver!

[Cali]

What type of merchandise does he haul where he needs to have good credit?

[Flamingo]

Thats really not the case any longer. My husbands field of work has nothing to do with security or bonding. He went to 9 interviews and out of those 9 he was offered positions by 4 that were willing to pay him what he was asking. Of those 4... ALL did physicals, drug testing, background AND credit checks! 2 actually told him that everything else was clear and clean except for his credit check. 1 had to recind their offer of employment because of this.
He ended up accepting 2 jobs. One full time and 1 part time. The part time one actually was the one he wanted full time but because of his credit check they could not offer him a full time position.


He is a truck driver!

Today, almost all employers do credit and background checks on all prospective employees, mostly due to company policy and/or legal requirements to protect themselves for insurance purposes or against lawsuits. Financial institutions or places where the employee would have access to financial accounts or could handle cash/checks have heavy requirements for clean records and a BK or just bad credit can really prevent a prospective employee from getting a job with an employer of that category. Many places now also fingerprint and any place that involves trucking or road or other transportation does drug checking, along with many other businesses/employers for many various reasons. The employer is a business and has to protect itself so it needs to be careful who it employs. They don't want anyone who could possibly steal, embezzle, miss a lot of work, do too many personal things at work, etc., etc. so the cleaner one's record, the better it is. That's just the way it is in the business world; it's cut and dry.

[momof5]

What type of merchandise does he haul where he needs to have good credit?

He hauls merchandise that is company sealed before the driver pulls away. Meaning he has no way of even touching it. It has to be docked into its warehouse destination and can only be 'unsealed' by them. Its nothing anyone would want to steal unless I suppose your starving for produce or frozen food. He just drops the trailer and they do what they have to do.

Other class A driving positions that he applied to that included a credit check were as follow: hauling steel beams (how the heck could a person steal these?), hauling heavy equipment from a shop to construction sites, hauling carpeting, hauling packages across country(fedex,ups etc)

Each and every single one of these required a credit check. I think Flamingo summed it up pretty well. This is a new day and age. Credit checks are starting to become a thing of the norm when applying for jobs.

[Gabe]

Today, almost all employers do credit and background checks on all prospective employees

"Background check" is subjective term, so I won't argue that point, but credit checks aren't done by almost "all employers". It really depends on the field.

I've done HR in the entertainment field and the computer field, and we never pulled anyone's credit.

[Flamingo]

"Background check" is subjective term, so I won't argue that point, but credit checks aren't done by almost "all employers". It really depends on the field.

I've done HR in the entertainment field and the computer field, and we never pulled anyone's credit.

It probably all depends on the employer, their policies, their Legal and HR Depts., etc. Certain legal and insurance requirements may be in place for companies to perform certain "background" checks, whether criminal, credit or otherwise, including drug testing. I work in the Legal and Corporate fields (HR included) and credit reports are pulled on everyone when they sign their application and provide their SS number. They give permission for the company to do that upon signing. I would say to everyone that applies for a job to be prepared that a full credit and background check can be done on anyone in today's world for any position and don't assume that it will not be done. That's the best way to handle it.

[Gabe]

I would say to everyone that applies for a job to be prepared that a full credit and background check can be done on anyone in today's world for any position and don't assume that it will not be done.

If you don't sign anything that you allows the potential employer to pull your credit, you have little to worry about. If you do, then I guess you shouldn't be surprised if it happens.

[Cali]

Each company has their own policies, there is no way to say one industry doesn't do credit checks, because some companies w/in that industry might do them. I have worked in the entertainment business and there were credit checks done for those that worked there.

"Background check" is subjective term, so I won't argue that point, but credit checks aren't done by almost "all employers". It really depends on the field.

I've done HR in the entertainment field and the computer field, and we never pulled anyone's credit.

[Gabe]

Each company has their own policies, there is no way to say one industry doesn't do credit checks, because some companies w/in that industry might do them. I have worked in the entertainment business and there were credit checks done for those that worked there.

Obviously. I was providing some evidence contrary to "almost all" companies doing credit checks.

[Cali]

I was letting you know it does happen in your industry. And last I checked, "almost all" meant some not all.

Obviously. I was providing some evidence contrary to "almost all" companies doing credit checks.