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This is simple. Bad credit history indicates the applicant was irresponsible when it came to credit. It may not have been their fault and they may be perfectly responsible in other areas of their life, but since there are many applicants for every job employers do not need to take a chance on the low credit scores.
Run for Congress. Kind of just like how accurate those FICO scores were and preventing the housing collapse. I say if companies require credit chicks on potential employees then companies should open up their books (the real ones) to applicants.
Run for Congress. Kind of just like how accurate those FICO scores were and preventing the housing collapse. I say if companies require credit chicks on potential employees then companies should open up their books (the real ones) to applicants.
An applicant can require this information now and the hiring company or public entity can choose whether or not to provide it, just like an applicant can choose whether or not to consent to a credit check. When there are more jobs than applicants, the scales will change but until then the employers have the upper hand.
Research has consistently shown that behavior extends across multiple contexts. For example, if you are friendly to your neighbor, you are more likely to be friendly to your coworkers or even a waitress. If you excessively clean your bathroom, you are more likely to also excessively clean your kitchen. If you worked hard in school, you are more likely to work hard at work. If you have good oral hygiene, you are likely to eat healthy foods as well.
The same applies to all sorts of other behavior. If one is careless with their liabilities, who knows what else they are careless with. It's risky to trust your business with a careless individual.
There is a big flaw in this logic. That is that bad credit is necessarily the person's fault. Marital debts accumulated by the individual's ex-husband/wife on a joint credit card affects one's credit negatively. Out of control medical bills ruins a person's credit. And what about identity theft? That certainly ruins a person's credit through no fault of his/her own. Bad credit does not equal unreliability or being untrustworthy. It is discrimination when applying for a job, IMO.
This whole credit check deal is ridiculous. If we're gonna do that, why don't we also:
*check more into a person's personal life. Let's see if they've been divorced and if so how many times. Because surely if they cant keep a happy relationship at home, then they can't keep one on the job too right?
*let's also judge overweight people. If they're too lazy or unmotivated to get into the gym, then that means they can be lazy and unmotivated to do their work right?
*lets dig into those high school/college transcripts! Because if you were a C student your whole life, then you're just "average" and not "smart" enough to work for us!
*what about those medical records? So you had knee replacement surgery and open-heart surgery? You're too much of a health and safety risk. Hit the road jack.
*lets also hack into people's DVRs and cable boxes and see what kind of shows they watch on TV. Is this all this person watch is garbage reality shows? Then that must mean they have poor taste and poor judgment.
Yes a lot of these sound ridiculous which is the point I'm trying to make. Unless it's the banking/financial industry, no other employers should use credit checks as a criteria to determine whether someone is qualified. Quite frankly, it should be nobody's business except a lender.
Let's just quit being so judgmental and get people back to work.
There is a big flaw in this logic. That is that bad credit is necessarily the person's fault. Marital debts accumulated by the individual's ex-husband/wife on a joint credit card affects one's credit negatively. Out of control medical bills ruins a person's credit. And what about identity theft? That certainly ruins a person's credit through no fault of his/her own. Bad credit does not equal unreliability or being untrustworthy. It is discrimination when applying for a job, IMO.
If you gave someone who is careless access to your credit, it's your fault.
If you were under-insured, it's your fault.
Identity theft is the least likely to be your fault, but your disputes show up on your credit report... so it's already explained when the employer checks.
*let's also judge overweight people. If they're too lazy or unmotivated to get into the gym, then that means they can be lazy and unmotivated to do their work right?
*lets dig into those high school/college transcripts! Because if you were a C student your whole life, then you're just "average" and not "smart" enough to work for us!
*what about those medical records? So you had knee replacement surgery and open-heart surgery? You're too much of a health and safety risk. Hit the road jack.
These are the only ones on your list that make sense.
Being overweight can lead to medical issues. Medical records are more justified than credit reports thanks to the ACA.
Some employers think a person with bad credit is somebody who is most likely to steal from the company. That's the basis for the lame credit check on people.
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