Use of Credit Checks on Appliants
The practice of conducting credit history checks is not discriminatory. However, credit checks on applicants may prove problematic. Applicants' credit records could reveal marital status, date of birth or public assistance status. Rejecting applicants on the basis of poor creditworthiness or history could have a disproportionately adverse impact on applicants who receive public assistance or who are of a particular race or marital status.
It may be that a credit check is only done on individuals being offered certain jobs where money handling is an essential job function. An employer may need to justify such inquiries, and it may want to minimize its exposure, should the practice occur and then be challenged.