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You do that now and you just might be missing out on some of the best workers you could ever have work for you.
Every decision a person makes (personal and professional) is generally not the perfect decisision - we don't live in a perfect world. The key is if its a reasonably good decision where I lowered the risk.
Every decision a person makes (personal and professional) is generally not the perfect decisision - we don't live in a perfect world. The key is if its a reasonably good decision where I lowered the risk.
How will you know that now? All employers ever do is have you fill out a form giving them the right to check your credit. You don't ask for or have an area where the person applying can explain why they have less than desirable credit.
Location: Oklahoma(formerly SoCalif) Originally Mich,
13,387 posts, read 19,421,922 times
Reputation: 4611
Quote:
Originally Posted by Dave1215
The additional experience and knowldege in the field may have made this person the more qualified candidate. If this was not for a sensitiive position (financial, law, intelligence, etc) then that could outweigh the credit (depending on how bad it was).
Do you ever put into consideration that some people need a job in order to improve their credit?
How will you know that now? All employers ever do is have you fill out a form giving them the right to check your credit. You don't ask for or have an area where the person applying can explain why they have less than desirable credit.
If you know its an issue going in raise it in the interview and provide a reasonable explanation (not a sob story).
Credit reports are not cheap to pull, so most employers won't pull them on every applicant, they'll generally pull them later in the process once they've narrowed the field of applicants down. By that point you've talked to someone so you'll have your chance. If you know there's an issue then nothing worse than hiding the fact and having them find it later - better to come clean if they are going to find out anyway and then sell yourself through it.
Things like unexpected health problems and identity thefts are very reasonable explanations (if brought forward in an appropriate manner).
Do you ever put into consideration that some people need a job in order to improve their credit?
The reason I need a job is generally not the concern of the employer.
The only exceltion to this is if you are talking within a social context where the social organization is working with a down and out person to get back on their feet, in that case, they do have networks of employers that will set aside a certain number of positions to give those type of folks at chance at bettering themselves.
If you know its an issue going in raise it in the interview and provide a reasonable explanation (not a sob story).
Credit reports are not cheap to pull, so most employers won't pull them on every applicant, they'll generally pull them later in the process once they've narrowed the field of applicants down. By that point you've talked to someone so you'll have your chance. If you know there's an issue then nothing worse than hiding the fact and having them find it later - better to come clean if they are going to find out anyway and then sell yourself through it.
Things like unexpected health problems and identity thefts are very reasonable explanations (if brought forward in an appropriate manner).
I still don't think there is a need to get a credit report on someone unless perhaps it would be working for a bank, financial institution, or any position dealing with money (which I still think is discriminatory as you are assuming because someone has bad credit they could possibly be a thief). What will you want next a blood and/or stool sample?
Maybe employers don't realize that credit reports have the potential to be reporting errors in a huge way. So they may not be 100% accurate when a decision is about to be made.
The same person with a "great" credit score could also be capable of committing a "white collar" crime such as embezzelment, happens all the time.
Credit checks have no purpose of being a means of selecting a person for employment. It has no merit.
Maybe employers don't realize that credit reports have the potential to be reporting errors in a huge way. So they may not be 100% accurate when a decision is about to be made.
Also how would you be lowering the risk. The same person with a "great" credit score could also be capable of committing a "white collar" crime such as embezzelment, happens all the time.
Credit checks have no purpose of being a means of selecting a person for employment. It has no merit.
They do realize that reports are not perfect, so generally a few small bad hits on the credit report are overlooked. Its the repetitive bad or a few really bad things that will get you. If its repetitive then there is a pattern so its more than just one mistake.
Everyone also has the right to pull their own reports for free once a year and if there is a massive error then you also have a right to put that explanation on the report and then work on correcting it. The employer can be made aware of those obvious mistakes so it's generally not an issue.
Location: Oklahoma(formerly SoCalif) Originally Mich,
13,387 posts, read 19,421,922 times
Reputation: 4611
Quote:
Originally Posted by PG77
I still don't think there is a need to get a credit report on someone unless perhaps it would be working for a bank, financial institution, or any position dealing with money (which I still think is discriminatory as you are assuming because someone has bad credit they could possibly be a thief).
Quote:
What will you want next a blood and/or stool sample?
What will you want next a blood and/or stool sample?
You joke about that, but.....
with employers still traditionally picking up the majority of health insurance costs in the country I have heard of some doing this very thing. Use it as a way to screen out folks that might have a tendancy for a higher incident of claims which could then increase the cost of their insurance pool.
For the above reason some employers are also refusing to hire smokers - its asked on their application.
Like it or not there are other examples of personal behavior (having nothing to do with job skills or training0 that affect someone getting hired... listen to the news about companies that Google you before making a final offer or looking at your MySpace, FaceBook, LinkedIn, and YouTube personal profile to see if there's things about you they just don't like.
Like it or not, personal actions do have employment ramifications.
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