I had 3 separate interviews for a Systems Engineer position. The first one was with the recruiter, the 2nd was a technical phone interview, & the third was an in-person interview with the team members and leaders. At that point I accepted a verbal offer pending a pre-employment background and credit check. I was also assigned a “Stamp of Approval” team member to help guide me through the background check process. After about 3 to 4 weeks I finally received a call from a Sr. HR “Talent Underwriter” stating they were rescinding the verbal offer after consulting with leadership. When I asked what factored into the decision she stated it was my credit report history (even though I had previously outlined my plan to repay and settle debts within 30 days). I then inquired how my credit history correlated to my job performance given my clean background check, great references, and an employee referral from Title Source. Her response was, "Even if the credit report is not directly related to potential job performance, we're a financial company." So basically what they told me was, "In our eyes your credit history is more important to us than your skillset, great references, and the valuable experience you'd bring to the company. Good luck and feel free to try again in the future!" For anyone considering working for Title Source (or any of the Quicken Loans Family of Companies) you should be aware of the following: 1. Check your credit report & start making arrangements to pay any collection accounts and dispute errors. If you've had a bankruptcy or foreclosure in the past 10 years, be prepared to explain why. 2. They will do a very thorough background check and ask you to explain any discrepancies that don't line up with what you put down in your application & resume. Make sure all of your job start/end dates match up and are as accurate as possible. 3. Any certifications, continuing education, or degrees you listed in your resume and application will be verified, so no fibbing. 4. Do NOT, under any circumstances, give notice to your current employer before actually signing & receiving a written offer (even if you've been given a start date as part of the verbal offer). Thankfully I didn’t say a word to my current employer and am still gainfully employed. I'm sure others who have had the rug pulled out from under them by the folks at QL weren't as lucky. 5. Your social media profiles WILL be researched. If you wouldn't say it out loud in public then don't put it on a social media site. Use privacy controls to limit what information shows up in a Google search if you haven't done so already. 6. If the “Stamp of Approval” QL team member says they’re sending you a copy of the background and credit check before making a final hiring decision, then they probably will NOT extend a written offer to you. The FRCA (Fair Reporting Credit Act) states a prospective employer has to send you a copy of the credit report and give you 5 days to dispute any errors or discrepancies before taking any “adverse action” (aka rescinding the verbal job offer). Use that time to review your report, dispute any errors with the Credit Reporting Agencies (Title Source used Transunion) and start your job search again. Advice to QL Leadership: Using pre-employment credit checks creates a barrier to employment for many low and middle income families that are looking for better paying positions and upward economic mobility. QL touts itself as one of the leaders of the Detroit "Renaissance", however this hiring practice disproportionately affects many highly skilled individuals from obtaining employment within your family of companies. Take the time to raise your level of awareness and consider refining your internal policies when it comes to how much weight credit reports are given when making hiring decisions.