The credit check method is .... inconsequential to the potential employee. Really, the information they get is the same they get by calling all your references anyway. However, it does benefit the consumer, a lot. For one, it's faster, cheaper, and more efficient to get all that information on one report, instead of the old method of calling every reference and verifying the information manually. Credit reports also contain criminal history, something companies which do depend on such things use to have to contact law enforcement to get, and that costs money as well. A credit report is not just what credit cards or loan you have had, it's .... everything about you, it is your entire life for the last 7 years in detail. The three credit agencies of the world have proven to be better at tracking people's lives than even the CIA of the US. So much better than you can even use such reports to find out if anyone shares your name, lineage, or if someone is trying to steal your identity. Credit reports are world wide, citizenship itself has no bearing on them but will show up in them, sorry Silais, even an illegal citizen in any country will have a history recorded in the system.
The problem lies in that your medical history is also included, and that should not be included in those. Any time you are labeled as disabled or retired by the government, that's going to show up in there. Many companies will avoid hiring people with specific disabilities, in spite of it being illegal in the US there are ways around those laws, and not all such disabilities are truly permanent in spite of being considered such by the government of the US.
One thing that credit checks do is open up what you can put on your resume. No one likes a ten page resume, and often you need ten pages for a general resume to include everything you know. Credit reports offer up a lot of the information which use to be the bulk of the resume, thus you can now add more personal information and still keep it one page long.
Ultimately though, this is the future, a unified system of information for each individual. It offers a lot of benefits, security, and over all simplicity to our way of life. It also encourages personal responsibility and planning, something we are still needing more of from our species. If you don't pay that parking ticket, you know it will hurt you in the future, so why not pay it and get it over with before that happens? Had to miss several years worth of work due to an injury? No need to explain it now, it's all there on the one report. Bosses can no longer lie about firing you either, which was a common method of destroying an ex-employee's reputation in the past, because the report has that information in there.
The mysterious nature of some things is often because people don't look into what they really are. Recently I was against credit checks, I didn't actually know what they were, I thought they were just about what money you borrowed. Then .... I looked into the matter more in depth and discovered what is actually in those reports. When the mystery faded, so did the doubt, and now I am all for a unified system that tracks even more information for each person than this. My only complaint, 7 years is a short time these days, with people now living to 100 years easily, it needs to be extended to 20 years to cover more ground. Also, doctors should be using these reports as well, instead of just guessing at the patient histories or hoping the patient can even remember when they'd last had some shot or other. Then make the reports easier to obtain by certain people, like law enforcement and medical facilities, so they can verify you without having to wait forever.
