economy
'Gut-wrenching': She says her poor credit cost her a promotion—why employers may check and how to improve your credit
Brittany Greene helps individuals build and repair their credit as head of community at Self Financial. She knows first hand what poor credit can cost you.
TL;DR
- Brittany Greene believes her promotion was denied due to her poor credit history.
- Approximately half of U.S. employers include credit reports in background checks, especially in financial and health-care services.
- Employers typically receive a modified credit report, not the three-digit score, focusing on payment history and account behavior.
- The Fair Credit Reporting Act requires employer consent to pull credit reports for employment decisions.
- As of April 18, 2026, 11 states and several jurisdictions will ban credit checks in employment, with some exceptions.
- Tips for improving credit include knowing your current standing by obtaining free credit reports, celebrating small wins to maintain motivation, and utilizing tools like secured credit cards and rent reporting services.