system
A chat on subreddit /r/wallstreetbets
human
Unless your position involves directly managing money, I think it's pretty rare for an employer to run a credit check.

gpt
Had a background check and a credit check as a server... granted it was waiting tables at Houston's aka Hillstones at the time so it wasn't your typical Fridays restaurant. Having shotty credit would have prevented me from a profitable opportunity while I transitioned from college to a real career for a few years.  
  
 It's a very specific case but I don't really see the draw back to paying your debts. Long term it's usually better.