It’s a little different story in passenger, since you will be handling the company’s money. If your own finances are a shambles, they might be concerned that you may borrow some to make up for your shortfalls. They get funny about these things.
I used to work passenger on Burlington Northern. We had to provide our own money to make change with. One day I had to go grocery shopping, and the bank wasn’t convenient to getting to the market. I spent MY change money. My job worked afternoons, so I went to the bank’s ATM on the way to work. Naturally, I got $20 bills. We used to be able to get new ticket duplexes, and also change from the ticket agent. I told her that I needed change because I had spent it. She started sushing me. I said it’s my money, and she was looking around as if to see if someone else had heard me. As I said, the change was provided by each trainman and conductor personally. I hadn’t ever touched company funds, but it was somehow a touchy point.
The fair credit reporting act relates to job history I believe. Or at least that's how it was explained to me. But I really don't think that's true.