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When I purchased a new Honda in 2011, the local dealership left my application, and hundreds of others, in an area that was accessible to employees. An employee retrieved that information and sold it to a local criminal network, resulting in dozens and dozens of cases of identify theft, including mine.
If we allow employers to access our credit history, we have every expectation that that information should be secured.
I wholeheartedly agree. Credit information should be treated like any other personal information (address, date of birth, etc.).
Quite a few years ago my sister's husband applied for a job in accounts receivable. He's a likable guy who is easy to work with. He's very loyal and will work his butt off to do well for himself and the company he works for. He had experience and a good set of references.
He was tentatively hired for this job that would have done wonders for his family and their financial situation not to mention his career. Oh but wait, tentative hire based on a credit check. Because of the credit check he wasn't hired. No matter he was totally qualified for the job and would have been asset to the employer - whatever that piece of paper said made them automatically deny this guy a job.
Quite a few years ago my sister's husband applied for a job in accounts receivable. He's a likable guy who is easy to work with. He's very loyal and will work his butt off to do well for himself and the company he works for. He had experience and a good set of references.
He was tentatively hired for this job that would have done wonders for his family and their financial situation not to mention his career. Oh but wait, tentative hire based on a credit check. Because of the credit check he wasn't hired. No matter he was totally qualified for the job and would have been asset to the employer - whatever that piece of paper said made them automatically deny this guy a job.
Quite a few years ago my sister's husband applied for a job in accounts receivable. He's a likable guy who is easy to work with. He's very loyal and will work his butt off to do well for himself and the company he works for. He had experience and a good set of references.
He was tentatively hired for this job that would have done wonders for his family and their financial situation not to mention his career. Oh but wait, tentative hire based on a credit check. Because of the credit check he wasn't hired. No matter he was totally qualified for the job and would have been asset to the employer - whatever that piece of paper said made them automatically deny this guy a job.
Its not right and it should not be legal.
In this case, it's possibly the employer's loss. But we should defend their right to choose to spend their money as they see fit... in the same we we should defend our right to spend out money as we see fit.
Medical expenses. When my daughter was 22 she was hospitalized and racked up tens of thousands of dollars for which her health insurance did not pay. She was making $10/hour at the time.
Her hospital debt went to a collection agency. Payment plan? They wanted half her weekly salary which would have amounted to less than minimum wage. The Collection Agency called her constantly and threatened her; indirectly with physical violence. Totally ILLEGAL. Somehow they got my phone number and called me. Can't get the money from young ADULT, go after a Parent with more money? I don't think so. Don't you DARE call and threaten me or your agency will be hearing from my attorney. Click.
It went to court. Her salary was garansheed but only for a small percentage weekly; not less than minimum wage. It took 15 years for her to pay it off. Yep, wrecked her credit scores, BUT it never affected any of her future jobs which ran credit checks on her.
She works in Retail Loss Prevention. Did she steal from any store she worked at? No. Apparently, with the Credit Checks she had to go through for jobs, Medical Debt was not the same as actually Criminal Stealing.
I have worked in Public Schools and for Agencies for the MR/DD Disabled. No Check Credits, but Criminal Background Checks and Fingerprinting. Would you want to hire an employee who had physically abused children or the disabled? Tell me which is worse? Bad Credit Check or the Criminal Abuse of a Child or Mentally Disabled? $$$$ means nothing in comparison.
Good post here and I'm so glad things worked out for your daughter.
How am I irresponsible- if my hubby is an idiot -has an affair -takes the all money in the savings and runs off with the hussie to Mexico —and now I have a Mtg, 3 kids and a fair paying job - so I get a 2nd pt job /but bills are very late by now —-I’m not the responsible party!! Can you not see how this could happen??
Yes you are. You chose him and the consequences are yours. It's true that in any marriage it only takes one of you to make both of you broke and ruin the credit for both.
How am I irresponsible- if my hubby is an idiot -has an affair -takes the all money in the savings and runs off with the hussie to Mexico —and now I have a Mtg, 3 kids and a fair paying job - so I get a 2nd pt job /but bills are very late by now —-I’m not the responsible party!! Can you not see how this could happen??
This happened because you trusted an irresponsible person with your life. That makes you an irresponsible person.
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