When I worked in banking, a clean credit record was a must. That situation is rather obvious because need and opportunity can cause a person to steal. I own a service business now that sends our technicians into up-scale private homes and businesses. They are taught that picking up a penny off the floor and pocketing it, rather than setting it on a counter is theft and will not be tolerated. That may seem extreme, but we ask our employees at what amount do *they* think it would be stealing from a customer. Is it 35 cents, 75 cents, a dollar? It doesn't matter because it doesn't belong to you. I haven't done credit checks for any of my employees because they have always been employee referrals who know what we expect. I would never hire an unknown person without first making sure that he or she is a "good citizen."
A company like mine also needs to protect itself and careful prescreening of employees goes a long way in doing just that. Last year a woman claimed that my technician had stolen her jewelry. It was the first time anyone had made a claim like this to me, and my employee had been with us for five years with nothing but rave reviews from his customers. I called her bluff by insisting that she call the police to report the theft because I had absolute confidence in my employee's honesty. She was annoyed and blew it when she asked, "don't you people have insurance for this type of thing?" We never heard another word from her.
Ryske, my long-winded answer is that sometimes it is very important to have a decent credit record. If you are considering applying for a job that requires it, you should explain your credit situation upfront. That will answer your question.
Does that help?
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