Final answer:
A background check is the type of candidate screening used to verify a candidate's credit rating, providing a comprehensive view of the candidate beyond what is visible from their resume or referenced by their contacts.
Step-by-step explanation:
The type of candidate screening that can verify a candidate's credit rating is a background check. Employers use background checks to gather information that might not be readily apparent from a candidate's resume or interviews, such as credit history, employment history, criminal records, and more. This is part of the process to avoid hiring a candidate who may not meet the company's standards or may pose a risk to the business, much like avoiding a 'lemon' in a used car purchase. While reference checks can provide insights into a candidate's energy level and work ethic, and resume screening may reveal educational and professional qualifications, it is specifically the background check that delves into the financial reliability represented by credit history.