Fake News number five. how you handle credit indicates how trustworthy you are. People get into financial difficulty and trouble for all reasons, including simply getting sick. medical bills are a factor in nearly two thirds of consumer bankruptcies. There's no evidence of a link between information on credit reports and the likelihood an employee will commit fraud. But employers persistent thinking there is.

By the way, employers typically use credit reports to evaluate applicants, not scores. Some states have already banned or limited pre employment credit checks. And a bill has been introduced in Congress to do the same