If an employer does a background check, will it affect my credit score?

If a current employer does a background check, which may include my credit history, will it affect my credit score? Thanks!

If an employer does a background check, will it affect my credit score?

It depends on how they check your credit. If they simply pull it, like you are applying for a loan, then it will count as an inquiry. Depending on your credit, this may or may not hurt it.

Many employers belong to background checking services and they don%26#039;t show up as an inquiry but they will show up as a commercial service request. This does not affect your score at all.

If an employer does a background check, will it affect my credit score?

ANY credit check adversly effects your credit rating!!!

(Which pisses me off NO END!!)

If an employer does a background check, will it affect my credit score?

When you say background check, are you talking about a criminal background?

That%26#039;s totally different and doesn%26#039;t go on your credit report.

If they check your CREDIT, then yes, that drops your score. The only time a credit inquiry doesn%26#039;t hurt you is if you did not authorize it, and when the credit bureaus run your credit (such as when you request a credit report directly from the credit bureau).