Generally I agree, but pulling a credit report makes sense in their case - financial services, presumably regulated, with an employee who will be placed in a po

Generally I agree, but pulling a credit report makes sense in their case - financial services, presumably regulated, with an employee who will be placed in a position of trust and responsibility. I do think everyone should be given the chance to contextualize and explain things, though; going through a rough patch and defaulting on a couple of credit cards is different from habitually refusing to pay legitimate bills, for example, and absent some other negative indicator shouldn't be disqualifying.