I'm applying to different companies and heard that some carriers run a credit check during the background phase. My score took a hit recently due to some medical bills, and I'm kind of worried it will tank my chances. Do recruiters view a lower score as a dealbreaker, or do they mostly just look for major issues like active bankruptcies?

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It shouldn't be a dealbreaker, assuming it's just a dip and didn't completely crater. Bankruptcies are another story.

That probably won't be an issue for you. In some states it's illegal to use medical debt against someone in employment. And what concerns companies is risk assessment. If they see someone with a history of financial distress, especially lifestyle debt or bankruptcy, they become alarmed as the person could be desperate while handling company funds.

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