When you apply for a job, especially one that involves handling money such as the financial, insurance,  retail industry or handling sensitive information, your potential employer is likely going to take a look at your credit report. They use it as a way to verify your identity and get a sense of whether you'd be a good fit for the role.

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They'll be examining things like any defaults or court judgments on your record, which could indicate issues with financial responsibility. That's an important consideration, especially for positions where sound money management is crucial.

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Ultimately, the employer is trying to make sure you're trustworthy and reliable - the kind of person they can feel confident putting in a role with important financial or data-related duties. Your credit history gives them valuable insight into your character and behaviours in that regard.

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