A credit report reveals a persons credit history, including paying habits, judgments, liens, bankruptcies, as well as previous addresses, prior employment, any variations in their social security number, and any possible aliases used. A credit report is useful in determining financial responsibility, money management, and the possibility of wage garnishment by state or federal tax authorities. For employment purposes only, accessing an applicant's credit record will not reflect on their credit report and will not affect their risk score. If you are hiring someone with any financial responsibility, you should consider obtaining a credit report.