No. The Bankruptcy Act and Fair Credit Reporting Act make it illegal for an employer to discriminate against you based on a prior bankruptcy. In the later phases of the hiring process, however, many employers do pull credit reports and may use the information as part of their final decision. This is especially likely if you are applying for a position with financial implications (accounting, payroll, etc.). While a bankruptcy by itself is unlikely to prevent you from obtaining a job, poor credit prior to the bankruptcy may be used as a deciding factor that puts another candidate ahead of you and helps the hiring company choose someone else.
How do I prevent this?
Before a company can obtain your credit report, they need your permission. o Honesty is the best policy. When presented with the waiver, inquire about the background check's specifics. Will there be a credit report included? If so, you should describe what a potential employer is likely to find there, such as missed payments or a prior bankruptcy filing.
o Take the initiative: Provide your potential employer with a concise explanation of your bankruptcy. Explain the extenuating circumstances that led to your bankruptcy (illness, unemployment due to the current economic climate, divorce, etc.) and what you have done to rectify the situation since then. You need not go into great detail; simply acknowledge the insolvency and leave the employer with the impression that you are taking it seriously and are back on track.
o Redirect: If applicable, follow the explanation of your bankruptcy with an example of what you've learned from it and how that lesson can be applied to the prospective position. Alternately, steer the conversation toward one of your many qualities that make you an ideal candidate for the position.
o Focus on the positive: if you have reached the credit report stage of the interview, you are likely being considered earnestly for the position. Remind your prospective employer why you are an excellent match for the position, regardless of your credit history.""
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