How does employer background checks/credit report checks affect your credit rating?

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well tagej isn't exactly right





when you apply for credit its a hard inquiry





if someone is checking your credit history (not for use of credit) it is considered a soft inquiry

How does employer background checks/credit report checks affect your credit rating?
tajet is correct on the pulls. actually there 3 types of pulls. When you apply for credit (Hard pull), people that have permission to pull these are called permissible pulls aka hard pulls, and then your promotional pulls, (these are for those stupid offers you get in the mail) these are soft pulls and do not count. Permissible pulls are for already active accounts, or when you give someone permission to pull your reports, insurance, apartment complexs and even your employer.





Trust me I read 100 reports a day
Reply:Each time you apply for credit or allow someone to pull your credit report, you will get what is referred to as a "hard inquiry" on your record, which will generally take a few points off your fico score.





If you pull your own credit report, it will not impact your credit rating, it's considered a "soft inquiry". Also, a "background check" doesn't have to affect your credit score, it only does if you allow a credit report pull as part of the check.