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Background check / credit check question

DeebaserDeebaser on my way to work in a suit and a tieAhhhh...come on fucking guyRegistered User regular
edited March 2010 in Help / Advice Forum
Does a pre-employment screening credit check appear as a 'hard inquiry' on your credit report?
Is it possibly to see if they even checked it?

Deebaser on

Posts

  • The Crowing OneThe Crowing One Registered User regular
    edited March 2010
    Probably. In most cases any check is a "hard check".

    The Crowing One on
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  • DeebaserDeebaser on my way to work in a suit and a tie Ahhhh...come on fucking guyRegistered User regular
    edited March 2010
    edit: generic rage

    Deebaser on
  • DaedalusDaedalus Registered User regular
    edited March 2010
    It shouldn't be. Generally "hard inquiries" are when someone is trying to see if they can give you a loan or a service or something. I know my government background checks counted as soft inquiries, anyway; private ones, who knows.

    Daedalus on
  • DeebaserDeebaser on my way to work in a suit and a tie Ahhhh...come on fucking guyRegistered User regular
    edited March 2010
    Follow up question: Is it possible for me to check whether or not a company pulled my report?
    I'm really curious about this potentially bullshit story I've been fed.

    Deebaser on
  • ScrubletScrublet Registered User regular
    edited March 2010
    I'm pretty sure when you get your free credit report it shows inquiries against you over a certain period of time.

    Scrublet on
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  • KyouguKyougu Registered User regular
    edited March 2010
    When my current job pulled my credit it showed the inquiry.

    Kyougu on
  • CauldCauld Registered User regular
    edited March 2010
    I don't know for certain, but you may be entitled to a copy of the report they recieved. I might look into that if I was interested. I got FBI Background checked, or something, and I asked for a copy of the report. I got one, it was extremely bland (completely blank)... so take that for what its worth.

    Cauld on
  • The Crowing OneThe Crowing One Registered User regular
    edited March 2010
    Deebaser wrote: »
    Follow up question: Is it possible for me to check whether or not a company pulled my report?
    I'm really curious about this potentially bullshit story I've been fed.

    If you get ahold of your credit report, it will list all inquiries.

    And to expand, in theory a lot of non-loan (etc.) checks should be "soft hits". My experience has been that the in many, many cases the companies involved just don't have their stuff together to care much about hard vs. soft.

    The Crowing One on
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  • Jademonkey79Jademonkey79 Registered User regular
    edited March 2010
    I'm pretty sure legally they should be informing you as to whether or not it's a soft or hard inquiry. In most cases where you're not applying to work at a financial institution it's a soft inquiry.

    Jademonkey79 on
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  • kuhlmeyekuhlmeye Registered User regular
    edited March 2010
    Deebaser wrote: »
    Follow up question: Is it possible for me to check whether or not a company pulled my report?
    I'm really curious about this potentially bullshit story I've been fed.

    www.annualcreditreport.com

    This is the site that provides an actual, free credit report from each of the 3 credit companies every 12 months. You are entitled to a free credit report every 12 months from each of the 3 companies. It should list all inquires to your account too!

    kuhlmeye on
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  • RUNN1NGMANRUNN1NGMAN Registered User regular
    edited March 2010
    kuhlmeye wrote: »
    Deebaser wrote: »
    Follow up question: Is it possible for me to check whether or not a company pulled my report?
    I'm really curious about this potentially bullshit story I've been fed.

    www.annualcreditreport.com

    This is the site that provides an actual, free credit report from each of the 3 credit companies every 12 months. You are entitled to a free credit report every 12 months from each of the 3 companies. It should list all inquires to your account too!

    Pro tip--do one every 4 months, not all 3 at once.

    RUNN1NGMAN on
  • MichaelLCMichaelLC In what furnace was thy brain? ChicagoRegistered User regular
    edited March 2010
    RUNN1NGMAN wrote: »
    kuhlmeye wrote: »
    Deebaser wrote: »
    Follow up question: Is it possible for me to check whether or not a company pulled my report?
    I'm really curious about this potentially bullshit story I've been fed.

    www.annualcreditreport.com

    This is the site that provides an actual, free credit report from each of the 3 credit companies every 12 months. You are entitled to a free credit report every 12 months from each of the 3 companies. It should list all inquires to your account too!

    Pro tip--do one every 4 months, not all 3 at once.

    This is true. Maybe pull (pay) for your score once a year, rotating between the agencies. Honestly shouldn't change if there's nothing different between reports, but good to keep tabs for $10 a year.

    MichaelLC on
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