You have to give an employer permission for a credit check. Companies outsource that to a third party. You'll have to sign off on it or you won't get the job. C

You have to give an employer permission for a credit check. Companies outsource that to a third party. You'll have to sign off on it or you won't get the job. Company specific, obviously. A background check done by a third party for employment purposes will include credit history. If you didn't sign off on a background check they didn't pull your credit history. That being said, they don't actually do the background check until after you've accepted the job. They say "this offer of employment is contingent on passing a background check." I hear they may be doing away with this in some places. RE: Insurance. Take it from Esurance. https://www.esurance.com/info/car/myth-your-credit-score-doesnt-affect-your-insurance-rate https://www.esurance.com/info/car/myth-your-credit-score-doe... >Many U.S. car insurance companies use credit-based insurance scores to help determine risk. (Unless you live in Massachusetts, Hawaii, or California, where the practice has been banned.) And studies have shown that there's good reason to use credit-based scoring in developing rates. >In 2003, The University of Texas (PDF) conducted an analysis based on 175,647 policies. They found that those with lower credit scores tended to incur more car insurance losses and higher claims payout, and thus posed greater risk to auto insurers. >The Federal Trade Commission (PDF) also undertook an independent study to understand the relationship between credit history and risk. Like The University of Texas, they found that credit-based insurance scores are effective predictors of risk. You aren't ever going to get an apartment in my neighborhood without a credit history. Once again, you'll have to give permission for a landlord to run a credit check but your other alternative is not renting the place. Around here all the landlords have hard credit score thresholds. Though they probably would accept someone without a credit history if they had very high income.