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well as you all do know your credit wothyness does depend on if you will be hired bad credit no job what a dumb legislature law obviously thye want people to drain the unemployment system as well
This subject has already been discussed ad nauseum... but I will say that not every employer (in fact not MANY) does a credit check for hiring. I've never had that done in all my years of working! Maybe it's a location or job-specific thing, but I'm wondering if this really is such a common practice?
I have never had stellar credit and never been denied a job because a credit check came back and disappointed the employer. In some industries a credit check is mandatory, in others, nobody cares. Seriously. They're more concerned about criminal checks and drug testing. As long as those 2 are clean, they don't care about credit. Many of these (smaller) employers themselves have bad credit and have family members who have bad credit and can't find work because of picky people. I'm talking about small companies, not F500. Maybe those who complain about the pickyness of credit checkers need to find smaller employers or industries where nobody cares about credit. In 15 years it's never been an issue for me.
I have never had stellar credit and never been denied a job because a credit check came back and disappointed the employer. In some industries a credit check is mandatory, in others, nobody cares. Seriously. They're more concerned about criminal checks and drug testing. As long as those 2 are clean, they don't care about credit. Many of these (smaller) employers themselves have bad credit and have family members who have bad credit and can't find work because of picky people. I'm talking about small companies, not F500. Maybe those who complain about the pickyness of credit checkers need to find smaller employers or industries where nobody cares about credit. In 15 years it's never been an issue for me.
Yeah, me either... I've also never been drug tested in 20ish years of working, so I don't think that's always important either. I have only been asked for references, employment history, criminal checks, credentials/degrees, and so forth. Aren't those the things that truly matter? FWIW I just got a new job, and wasn't asked for drug testing or a credit check - I'm not even sure they called my references, in fact. And this is a professional job that requires college degrees, so it's not like I'm talking about a janitor job (no offense to janitors, of course). Employers shouldn't be prying into our personal lives, period, as long as we've proven to be a good employee in the past.
P.S. Having known a few of my ex-bosses on a personal level (and being a former supervisor myself), I can also say they aren't always perfect - is anyone, really? I think only a clergy man/woman could claim their boss is perfect, hehe.
This subject has already been discussed ad nauseum... but I will say that not every employer (in fact not MANY) does a credit check for hiring. I've never had that done in all my years of working! Maybe it's a location or job-specific thing, but I'm wondering if this really is such a common practice?
In all my years, I've only ever seen it matter in two, specific types of cases:
A - The potential employee will be given a corporate card and will be expected to run up a lot of business expenses on a regular basis. Card issuers will slap a low credit limit on a person's corporate card if they have poor credit - and this can be a problem if the limit is lower than what normal, monthly expenses may be, which can affect their ability to properly do their job.
B - Project managers who will be responsible for large projects which require them to manage large sums of money. I can understand this - if a company is going to trust someone to manage a project with a budget of $5, $10 or $20 million plus, I can see where understanding how that person manages finances in general would be a factor in the hiring process.
Outside of these types of cases, I have not seen credit checks really used as a factor in the hiring process.
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