text: how important is your credit rating when being hired? i'm not being hired for a bank or financial institute.  i've never thought of this before as the last time i had a background check was back in 2001.  i have a credit card debt (but i'm working to get that taken care oof) and they don't look good on my credit report.  thanks for your input. as long as you are making an effort to pay off, your credit rating should reflect that too. good luck!