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Employers are using credit reports more often these days. My company's done some pretty intensive background analysis on people but there are never simple rules. It's the sum of the parts that makes or breaks a candidate, not any single piece. I think that any place that uses a single test in a completely black and white way is a place that I wouldn't want to work, anyway. Means that they aren't going to treat you like a human.
Insurance companies are starting to use credit reports as well, as they've found that credit history is a better indicator of how risky you are then your driving record.
Checking your own credit won't affect your score. There are different types of 'codes' for pulling a credit report, some affect your score and others don't.
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