Using credit checks as a factor in the hiring process has always been controversial. According to data from the Society of Human Resource Management (SHRM), 47% of employers in the U.S. run credit checks on potential hires. Critics argue that using credit checks on candidates is discriminatory by unfairly filtering out people who are struggling financially. The thinking goes that, in order to repair their credit, job seekers need jobs, but eliminating candidates based on bad credit makes this much more difficult. More importantly, there is no evidence that credit checks relate to job performance in the first place. The result: employers cannot prove a credit check adheres to the rule of “job-relatedness,” which is required for any factor used in hiring decisions.