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Old 12-18-2013, 07:17 PM
 
20,898 posts, read 13,857,388 times
Reputation: 14537

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Quote:
Originally Posted by MSchemist80 View Post
That makes no sense. The only thing on a credit report are a listing of accounts and balances, whether they are in good standing, addresses, and inquiries. It doesn't list job titles, salary histories or other employment information. Request your free anual credit report and check it if you don't believe me.
Actually that is not the case.

Subject to state and federal law there is quite a lot of pubic information on credit reports, all of which can aid those doing background checks.

Liens, judgments, past last names used/aliases, previous addresses, criminal and or offense convictions, and so forth are all there again subject to laws.

 
Old 12-18-2013, 07:57 PM
 
11,682 posts, read 14,456,607 times
Reputation: 19126
This is a good step in the right direction. Years ago when I was job hunting, I applied to a position in a hospital and they said they would require a credit check. They asked me if there was any reason I thought I might not "pass," and I said I had great credit. She sounded relieved and said they had several qualified applicants but had to pass on them because of credit issues.

It boggles my mind. Why would a company shoot themselves in the foot like that? This was not a cash handling position, it was an administrative paper-pusher position. Crazy.
 
Old 12-18-2013, 08:03 PM
 
1,369 posts, read 2,007,107 times
Reputation: 770
Quote:
Originally Posted by 85rx-7gsl-se View Post
I know in many positions requiring security clearance, they want to ensure you are not on the brink of collapse. If you are, your a potential risk to misuse of info.
Yeah, I was going to say I've seen people denied clearances for bad credit..good workers too. Some of them had been working for months on an interim basis before the clearance was denied.

Anyways, I really dislike our credit monitoring system. I don't like the fact that these credit agencies have the ability to track my financial situation and influence personal/life changing decisions yet I have to pay for their services to make sure everything is correct.
 
Old 12-18-2013, 08:30 PM
 
5,683 posts, read 9,142,434 times
Reputation: 43722
Reminder: this is not the forum for political commentary. Please keep to the topic of the potential impact of the proposed legislation to employees and employers.
 
Old 12-18-2013, 08:45 PM
 
Location: Tucson/Nogales
17,455 posts, read 21,299,483 times
Reputation: 24315
Quote:
Originally Posted by xisnotx View Post
Didn't even know they did this...

"We're not going to hire you, because you need to rebuild your credit...never mind the fact that by not hiring you, you won't be able to rebuild your credit..."

People are insane...I swear. When will you finally start pushing back?
What can you expect during this period of surplus workers!! Let's go back to 2005, height of the boom, and employers were on their knees begging for workers!!! Credit check? Even if your score was 100 you'd be hired!
 
Old 12-18-2013, 08:46 PM
 
Location: Chicago area
8,839 posts, read 13,334,470 times
Reputation: 16026
Quote:
Originally Posted by jbird82 View Post
Yeah, I was going to say I've seen people denied clearances for bad credit..good workers too. Some of them had been working for months on an interim basis before the clearance was denied.

Anyways, I really dislike our credit monitoring system. I don't like the fact that these credit agencies have the ability to track my financial situation and influence personal/life changing decisions yet I have to pay for their services to make sure everything is correct.
You should not have to. Everyone it entitled to see their file at each of the three bureau's once a year free under the fair credit reporting act.
Go to annualcreditreport.com
 
Old 12-18-2013, 09:00 PM
RVT
 
367 posts, read 643,511 times
Reputation: 393
OK, first you have to go back a ways and find out WHY employers started using credit checks as a way to screen applicants. I'll give you three guesses. You can also look up "law of unintended consequences" while you're at it.
 
Old 12-18-2013, 09:12 PM
 
4,649 posts, read 6,497,521 times
Reputation: 5395
If a person steals, then prosecute. Denying employment due to credit is profiling. It's kind of like not hiring a person because someone has been looking for employment too long.
 
Old 12-18-2013, 09:18 PM
 
3,765 posts, read 3,513,022 times
Reputation: 8938
Credit checks are used by landlords to screen tenants and it's widely believed to be a useful measure of how reliable the person will be. I rent out a house but I'm not an expert; this is just what the property management companies have told me. I suppose it casts too wide a net at times; some of the stories posted here are interesting counter examples.

But I don't think taking this tool away from employers is a good idea. For one thing, it won't work; employers will start conducting background investigations for more employees, which necessarily will include a credit check, assuming this law leaves that loophole. Thus, the law will probably backfire.

Also, credit checks can be a useful tool. Not perfect, maybe, but people can be incredibly deceptive on job applications. I wonder how many employers support this bill; probably none. The net impact is going to be reduced hiring, because it takes away what is increasingly seen as an important tool.

Sorry, just my 2 cents.
 
Old 12-19-2013, 12:31 AM
 
8,226 posts, read 10,814,440 times
Reputation: 7622
Backround checks are different then credit checks.
I'm not sure why many people lump them together.

I'm a nurse,and I'm ok with a backround check.
Credit check? No. I'm not sure how having a high score will affect my job duties,like starting an IV.
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