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I've heard that many employers look at your personal credit history when deciding to hire or not to hire. How often does this actually happen? Given the real estate market as it is today how do those employers that do look view defaults or short sales? How about unpaid medical bills? Would these situations be looked at differently than running up tens of thousands of credit card debt and not paying or an automobile reposession?
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In my experience employers almost never ask for a credit check. Drug tests and criminal background checks seem to be way more popular these days. However, when applying with some financial institutions, this may be a requirement.
Please keep in mind that you would be presented with a consent form before the prospective employer would check your credit history. This would be a good time to address your mortgage or healthcare payment issues. I recommend explaining your situation either in person or on the phone instead of in the email, so that your tone comes through as genuine and sincere. In most cases it would not prevent you from getting a job and most certainly a serious issue would look better then unpaid department store credit cards.
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