Editor’s note: This is a transcript of the audio file.

Applying for jobs is stressful enough without having to worry about your credit score. But a recent survey from the Society for Human Resource Management showed that almost half of the companies in the survey checked the credit reports of some of their candidates. What do you need to know about this? I’m Rose Raymond with your Bankrate.com personal finance minute.

First of all, employers can check your report, but they can’t see your credit score. They also can’t check your report without getting your permission first.

Some states are working on making pre-employment credit checks harder to do. That’s good news for a lot of people – the recession has damaged more than its fair share of credit reports.

But if you do face a credit check in the hiring process, be aware that companies usually only deny job-seekers because of bad credit in special cases, says an official from the Society for Human Resource Management. Also know that some companies do credit checks on current employees, so be sure to keep an eye on your report after you’re hired. For more stories on credit and debt, visit Bankrate.com. I’m Rose Raymond.