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| Topic: credit history and employment | |
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Can an employer conduct an employment credit check on me? Generally, a potential employer is permitted to conduct an employment credit check to make a hiring decision about you. Subsequently, a potential employer might check your credit report as part of your employment background check. After hiring you, your employer is generally permitted to conduct an employment credit check to make other decisions about you too, such as those regarding promotion, reassignment and retention. An employer is generally permitted to do so, primarily because there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report. The employment provisions in the Federal Bankruptcy Act apply too: An employer can't discriminate against you, solely because an employment credit check revealed that you sought protection under the Act. Even though there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report, an employer still may not use a credit check as a guise to discriminate against you in any aspect of employment in violation of a specific discrimination law that does exist. {/quote] I fail to see how one's credit history will affect their job performance unless one's credit history is directly related to the job. I was just turned down a rather well paying job because my credit history was not up to par. I have never been arrested and never been accused of fraud, but like many poor Americans, I have bad credit. The job I was being considered for was an IT job, a field service tech repairing corporate IT equipment. I do see how it is fair to discriminate based on one's credit score. |
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Can an employer conduct an employment credit check on me? Generally, a potential employer is permitted to conduct an employment credit check to make a hiring decision about you. Subsequently, a potential employer might check your credit report as part of your employment background check. After hiring you, your employer is generally permitted to conduct an employment credit check to make other decisions about you too, such as those regarding promotion, reassignment and retention. An employer is generally permitted to do so, primarily because there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report. The employment provisions in the Federal Bankruptcy Act apply too: An employer can't discriminate against you, solely because an employment credit check revealed that you sought protection under the Act. Even though there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report, an employer still may not use a credit check as a guise to discriminate against you in any aspect of employment in violation of a specific discrimination law that does exist. {/quote] I fail to see how one's credit history will affect their job performance unless one's credit history is directly related to the job. I was just turned down a rather well paying job because my credit history was not up to par. I have never been arrested and never been accused of fraud, but like many poor Americans, I have bad credit. The job I was being considered for was an IT job, a field service tech repairing corporate IT equipment. I do see how it is fair to discriminate based on one's credit score. |
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Edited by
FreeToB
on
Wed 04/22/09 11:40 AM
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Get used to government/corporate intervention into your personal life. It's not going to get better. I'm betting that as soon as theres a national DNA database, they'll be hiring, firing and insuring you based on your genetic predisposition to certain diseases like heart disease, cancer, etc.
A law can SAY that they can't discriminate against you for whatever they choose but in reality, they just say that it was something else. Ask anyone disabled how much the Americans with Disabilities act helped them. Just a government money hole for special interests. Get some credit. Nothing else is gonna help you. Or if youre a really good IT guy with some experience, change your TRW & Experian reports. lol |
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i do not see as to why insurance companies should be permitted to base rates on credit report that is what the driving record is for
as for employers it does sorta show how you handle your responsibilities (sorta) i know people with a bad credit report i can trust to keep their word and do what they say than some people i know that have a good credit report actually i feel credit reports should only be used in the obtaining of credit there are many factors that can cause a bad credit report and a bad credit report does not make a bad prospect |
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Get used to government/corporate intervention into your personal life. It's not going to get better. I'm betting that as soon as theres a national DNA database, they'll be hiring, firing and insuring you based on your genetic predisposition to certain diseases like heart disease, cancer, etc. A law can SAY that they can't discriminate against you for whatever they choose but in reality, they just say that it was something else. Ask anyone disabled how much the Americans with Disabilities act helped them. Just a government money hole for special interests. Get some credit. Nothing else is gonna help you. Or if youre a really good IT guy with some experience, change your TRW & Experian reports. lol yep that is about the way it is |
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i do not see as to why insurance companies should be permitted to base rates on credit report that is what the driving record is for as for employers it does sorta show how you handle your responsibilities (sorta) i know people with a bad credit report i can trust to keep their word and do what they say than some people i know that have a good credit report actually i feel credit reports should only be used in the obtaining of credit there are many factors that can cause a bad credit report and a bad credit report does not make a bad prospect Because they can. Credit reporting SHOULD only be used in evaluating your abilty/willingness to pay back debt. Special interests run this government and insurance and banks are obviusly big players however so...until we start prosecuting congressman for crimes, graft and corruption, and prohibit ANY donations to "campaigns' it's not going to get better, only worse. |
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the arguement I have hear (for employers) is to see if you need money because of debt that you would steal from the company...load of crock IMO
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yep
must agree with that |
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Edited by
FreeToB
on
Wed 04/22/09 11:54 AM
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the arguement I have hear (for employers) is to see if you need money because of debt that you would steal from the company...load of crock IMO If 99% of poor people were crooks, they wouldn't be poor. I find in business as well as personal affairs, people tend to believe that you would do what THEY would do in any given situation. If you're home late, you're cheating. If you don't feel like talking, you have something to hide. If you work hard and try to improve things at work, you're trying to step over them on the ladder up. Sad but true. {Metallica} lol With that, I am outta here. Gotta do some work. lol Have a great day everyone. |
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the arguement I have hear (for employers) is to see if you need money because of debt that you would steal from the company...load of crock IMO If 99% of poor people were crooks, they wouldn't be poor. I find in business as well as personal affairs, people tend to believe that you would do what THEY would do in any given situation. If you're home late, you're cheating. If you don't feel like talking, you have something to hide. If you work hard and try to improve things at work, you're trying to step over them on the ladder up. Sad but true. {Metallica} lol With that, I am outta here. Gotta do some work. lol Have a great day everyone. rich people with great credit can steal as well. that's why I think it's a load |
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the arguement I have hear (for employers) is to see if you need money because of debt that you would steal from the company...load of crock IMO If 99% of poor people were crooks, they wouldn't be poor. I find in business as well as personal affairs, people tend to believe that you would do what THEY would do in any given situation. If you're home late, you're cheating. If you don't feel like talking, you have something to hide. If you work hard and try to improve things at work, you're trying to step over them on the ladder up. Sad but true. {Metallica} lol With that, I am outta here. Gotta do some work. lol Have a great day everyone. rich people with great credit can steal as well. that's why I think it's a load Rich people generally DO steal. Or to put it nicer, they have the burning desire for money. That and generosity, kindness and honesty are generally mutually exclusive properties. I know a lot of rich people. I like about 2 of them. Eat the Rich {Aerosmith} BYE! |
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when i had my home improvement company
the people that had the appearance of having money were the hardest to get to pay the bill those that were down to earth and lived modestly always paid what does that say for the credit report issue just a point to ponder |
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Edited by
Winx
on
Wed 04/22/09 12:10 PM
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Can an employer conduct an employment credit check on me? Generally, a potential employer is permitted to conduct an employment credit check to make a hiring decision about you. Subsequently, a potential employer might check your credit report as part of your employment background check. After hiring you, your employer is generally permitted to conduct an employment credit check to make other decisions about you too, such as those regarding promotion, reassignment and retention. An employer is generally permitted to do so, primarily because there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report. The employment provisions in the Federal Bankruptcy Act apply too: An employer can't discriminate against you, solely because an employment credit check revealed that you sought protection under the Act. Even though there is no Federal discrimination law that specifically prohibits employment discrimination on the basis of a bad credit report, an employer still may not use a credit check as a guise to discriminate against you in any aspect of employment in violation of a specific discrimination law that does exist. {/quote] I fail to see how one's credit history will affect their job performance unless one's credit history is directly related to the job. I was just turned down a rather well paying job because my credit history was not up to par. I have never been arrested and never been accused of fraud, but like many poor Americans, I have bad credit. The job I was being considered for was an IT job, a field service tech repairing corporate IT equipment. I do see how it is fair to discriminate based on one's credit score. That is wrong in so many ways. 
Why don't they consider the fact that when someone gets the job, their credit will get better?!!!!! |
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the arguement I have hear (for employers) is to see if you need money because of debt that you would steal from the company...load of crock IMO If 99% of poor people were crooks, they wouldn't be poor. I find in business as well as personal affairs, people tend to believe that you would do what THEY would do in any given situation. If you're home late, you're cheating. If you don't feel like talking, you have something to hide. If you work hard and try to improve things at work, you're trying to step over them on the ladder up. Sad but true. {Metallica} lol With that, I am outta here. Gotta do some work. lol Have a great day everyone. rich people with great credit can steal as well. that's why I think it's a load I'd bet Maddoff had good credit. |
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it's a catch 22. without a job you can't pay the creditors....without good credit it's hard to get a decent job
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some info maybe you can use
Under the Fair Credit Reporting Act (FCRA) employers must get an employee's written consent before seeking an employee's credit report. If you decide not to hire or promote someone based on information in the credit report, you must provide a copy of the report and let the applicant know of his or her right to challenge the report under the FCRA. Some states have more stringent rules limiting the use of credit reports. Using Consumer Credit Reports : What Employers Need to Know details the Fair Credit Reporting Act's impact on pre-employment checks. |
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Its benn going on for years with the Insurance industry.
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by OP:
I do see how it is fair to discriminate based on one's credit score. I suppose you wanted to say you do not see how it is fair. If I am correct, then here is my argument: How do you define fair? By your own subjective valuation. So does the employer, he defines what is fair by his own subjective valuation. To him, it might be quite fair. With this being said, why should he stick to your definition of fairness, while you don't want to stick to his definition? |
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by OP:
I do see how it is fair to discriminate based on one's credit score. I suppose you wanted to say you do not see how it is fair. If I am correct, then here is my argument: How do you define fair? By your own subjective valuation. So does the employer, he defines what is fair by his own subjective valuation. To him, it might be quite fair. With this being said, why should he stick to your definition of fairness, while you don't want to stick to his definition? What if we applied that thinking to other situations? Racial discrimination, sexual discrimination, etc.. Clearly fairness is based on more than subjective individual definitions. What I was trying to suggest is that it shouldn't matter for most jobs and it is something that I, and apparently many others, believe it should be included in EEOC prohibitions. |
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What I was trying to suggest is that it shouldn't matter for most jobs and it is something that I, and apparently many others, believe it should be included in EEOC prohibitions. Then the problem would be which jobs should it pertain to? which jobs should this apply to? If the sole reason you were not employed was due to your credit report you have the right to ask prospective employer and contact your credit bureaus and clear it up.  I think I'm going to write a song about this
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