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HR Question re: background/credit checks
Hi Ladies,
Hoping someone has some insight/answer for me. I just had my 3rd interview, they all went extremely well and submitted the background/credit check ppwk (it's a financial advisor type position).
My dilemma is disclosure. I got divorced a couple years ago and our rental house burnt down, total loss. The house was significantly underwater so it was a blessing in disguise. We decided to let it go since it was such a lost cause and sent the insurance check to the bank. The house is slated to foreclose this August, so technically it's not foreclosed on. Should I disclose that information to HR before my credit check comes back or wait til it comes up? I'm not 100% they'll run it but the form I signed said they have the option to, my securities licensing and background is squeaky clean.
I'm 99.9% sure I'm getting a job offer, just would hate for this to be a deal breaker once the check comes back.
Re: HR Question re: background/credit checks
Have you pulled your credit report lately? If it's not on that, I doubt it would show up on their checks. I'm not an expert on background checks, but I doubt they'd find it if it wasn't on there.
In regards to fessing up about it before the check, if the house isn't currently in the foreclosure process, then I don't think it matters. You aren't misleading anyone by not volunteering that. IMHO, it's like marking "married" when you know you are getting divorced in a couple of months.
Me: 29 DH: 32
HSG all clear!! CD3 b/w normal. SA: good count, high morph
Dec 2012: Clomid+ TI = BFN
Jan 2013: natural cycle =BFN
Feb 2013: natural cycle =BFN
Mar 2013: Clomid+ Trigger + TI + progest =BFN
Apr 2013: Clomid+ Trigger + IUI #1 + progest = BFN
May 2013: Clomid+ Trigger + IUI #2 + progest = BFN
Background check aside, I don't understand something...
Your house is physically gone (burnt down). You got an insurance check for the loss, which you gave to the mortgage holder (the bank). If you paid off the mortgage loan with this check, how can the home go into foreclosure? And, if the home no longer even exists, how can it go into foreclosure?
The only thing I can think is that the insurance check did not cover the full amout of the loan?
Yes, the house was ~150k underwater. We didn't want to rebuild. So the mortgage company is still reporting no payments even though they received a check for 170k. I did pull my credit and it's on there.
I don't think the bank even knows how to deal with it since there is no structure on the property. They've pushed the foreclosure back 3 times now.
Just wondering if I should disclose that to HR or wait til they come back with the background check and ask me about it.