One of the most ridiculous parts of the job hiring process is letting a company conduct a credit check to determine if you are financially responsible. Yes, I can see how this might be a good process for a job at a bank, for example. But just because you have a good or bad credit score shouldn’t qualify or disqualify you for most jobs.

Now, there’s some research to back up my belief. In fact, people who have good credit scores are more likely rude.

In a study to be published in the Journal of Applied Psychology, researchers from Louisiana State University, Texas Tech University and Northern Illinois University focused on links between credit ratings and personalities.

“With regards to personality and credit–it makes sense that conscientiousness is related to good credit, but what was really interesting was that agreeableness was negatively related to your credit score,” said Jeremy Bernerth, assistant professor in LSU’s E. J. Ourso College of Business Rucks Department of Management. “That suggests easy-going individuals actually have worse credit scores than disagreeable and rude individuals.  This suggests that agreeable individuals might get themselves in trouble by co-signing loans for friends or family or taking out additional credit cards at the suggestion of store clerks.”

The researchers also found that there’s no correlation between poor scores and bad behavior on the job.

“It was telling that poor credit scores were not correlated to theft and other deviant types of work behaviors,” said Bernerth. “Most companies attempt to justify the use of credit scores because they think such employees will end up stealing, but our research suggests that might not be the case.”

I shared this study with an HR professional. She suggested that those who score poorly could also be more naive, which is something you don’t want in the workplace.

Interesting. Would you rather have a nice and naive or disagreeable and rude employee working for or with you?

(Photo via Flickr: Richard Lemarchand / Creative Commons)