I can't swear to this being true in all cases, but organizations generally have to obtain your permission before viewing a credit report and seeing your history. The only exeptions I can think of are insurance companies- they've viewed my credit file w/out notifying me b4, but who knows, I might have missed the fine print. Also, some credit companies can view very general information about your credit history for purposes of screening out people to whom they send offers. I used to work in credit, and to make a long story short, if an entity requests your credit report, the request will show as an "inquiry" on your report- after viewing thousands of credit repors, I have never seeen one an inquiry from a university unless the person was an employee of the university. So no, I don't think a poor rating matters at all in admissions, only in the sense that you might have trouble getting commercial loans if your credit rating is bad. Hope this helps.