Background Check

• When you apply for a new job, your prospective employer may run a background check. Employers do this so they can gain more information about who they might be hiring. If you have filed for Chapter 7 in the past, it can come up when they run the check. While every employer does not run a background check on every potential employee, many are beginning to make this standard practice.
  
  

Impact

• Prospective employers looking at credit scores can be inclined to base judgments about the applicant's character on what they learn. They can also tend to view it as an indication of how responsible you are, which they can consider an indication of the type of worker you will be. Having a bankruptcy on your record increases the possibility that you will be judged negatively and discounted as a candidate.
  
  

Financial Careers

• If you are applying for some type of financial role with a company, bankruptcy can have an even worse impact on your chances to be hired. In this situation, the employer will expect you to be very good with money and know how to handle it. If your credit report shows a bankruptcy, it tends to indicate that you have problems handling money wisely. Financial professionals are often held to a higher standard in this area.
  
  

General Labor

• Your prospective employer may not pull your credit report when you apply for a job. If you are applying for a basic position that relates to general labor, they may not need to know what your credit history says. Many companies do not want to go through the extra hassle and pay for a credit check for these positions. So, for some types of positions, having a bankruptcy on your record may not affect you significantly.