What is the underlying logic in an employer checking an applicant’s credit score?

There could be any number of a reasons why a person may have a poor credit score ranging from medical costs they couldn’t repay to being laid off, living off credit cards for a few months and thus having very high ratios.

I used to work in the mortgage industry before the crash and I did loans for people who worked at Wal-Mart with credit scores of 830 and Cardiologists and prominent attorneys with credit scores in the high 500s/low 600s. Point being, from my experience, credit itself was never correlated to intelligence or ability to do one’s job.

After all, who would you consider a more accomplished person, dude who is Assistant Manager at Wally World and a FICO of 835 or guy with an MD from Duke Medical and is one of the city’s more prominent cardiologists?

My point is, from my experience, personal credit did not indicate intelligence or ability to do a specific job well. The Cardiologist was an amazingly intelligent, talented doctor so he forgot about the mundane details like paying credit cards on time and stuff like that.

I think attention to such mundane details like that *may* be somewhat relevant for crappy jobs, but if you’re a very talented person working a field that requires a lot of creativity and non-linear thought, I think you should be allowed me leeway.

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