Editing Background check (section)

== Credit check ==
Credit checks are conducted for applicants who are applying to positions that deal with financial records or deal with a lot of money.<ref>{{Citation|chapter=Darracott, Sir William, (1860–2 March 1947), JP Deal; President Deal, Walmer and District Conservative Association|date=2007-12-01|publisher=Oxford University Press|doi=10.1093/ww/9780199540884.013.u224453|title=Who Was Who}}</ref> For example, in the state of Illinois, employers could use an applicant's [[credit history]], only the [[credit score]] is considered satisfactory.<ref>{{Citation|chapter=Loan-only CDS|date=2012-03-20|pages=125–131|publisher=John Wiley & Sons (Asia) Pte. Ltd.|isbn=9781118390412|doi=10.1002/9781118390412.ch7|title=Credit Derivatives and Structured Credit Trading}}</ref> Individuals must also give consent in order for the employer to obtain a credit report. Pre-employment credit reports do not include a credit score. A pre-employment credit report will show up on an individual's credit report as a "soft inquiry" and do not affect the individual's credit score.<ref>{{Cite journal|last1=Bartik|first1=Alexander|last2=Nelson|first2=Scott|date=2016|title=Credit Reports as RRsumms: The Incidence of Pre-Employment Credit Screening|journal=SSRN Working Paper Series|doi=10.2139/ssrn.2759560|s2cid=197640500 |issn=1556-5068}}</ref>