- The Essential Military-to-Civilian Transition Resource

Transition Talk

by Mike Arsenault - Director of Candidate Services

Share |

Article Sponsored by:

Return to March/April 2013 Issue

credit check of a military job seeker

Bradley-Morris answers questions from transitioning military job seekers.

Q: I know that most employers do background checks, but I’ve heard that they can also do credit checks. I’m not even sure what my credit looks like. Would a credit check of a military job seeker that revealed bad credit disqualify me from a job?

A: Yes. Employers from most industries will frequently run a credit check at some point during the hiring process, especially if your position has access to personal employee/customer information or entails financial responsibility. A credit check of a military job seeker can also be required for something as simple as when you need a corporate credit card as part of your job.

I’d suggest that you check your credit standing. First, pull your credit report. The official site set up by the top three credit reporting agencies is Getting a copy is free at the site and you can repeat the process every 12 months. Fix anything that is incorrect or questionable. A recent Federal Trade Commission report found that 25 percent of people have an error on their credit report.

The Federal Fair Credit Reporting Act requires employers to get your permission to conduct a credit check, so this will not be a surprise during the interviewing process or when you receive your offer letter. However, bad credit may not mean immediate disqualification as employers may accept minor blemishes on a credit report (late payments, school debt, etc.). According to Forbes contributor Kerry Hannon, the top two reasons why a company wouldn’t hire you due to credit are for accounts in debt collection and current outstanding judgments (you have not paid a debt that a creditor has the legal right to collect).

Q: I have an interview coming up and I’m extremely nervous. Any tips?

A: Don’t worry about the things you can’t control. If you’ve done your research on the company, can explain why you are a fit for the position, have extensively prepared for the interview and are set with the logistics/itinerary for the interview, relax and be sure to get a good night’s sleep. If you really want the position, you’ll naturally be a bit nervous in advance of the interview. However, if you prepare, arrive early, and have taken care of everything under your control, you should be as calm and confident as possible.

Mike Arsenault is Director of Candidate Services at Military Recruiter Bradley-Morris, Inc. He can be reached at (800) 330-4950 ext. 2105 or by email at marsenault (at)


Return to March/April 2013 Issue