Some States May Ban Credit Checks for Employment

[momisery]

I think we took the honest way out. If you have nothing, can pay nothing, the obvious thing to do it give the items back in a BK and live like a bottom feeder until things turn around. I have learned a great deal from the recession more than I wanted to learn. WE lived a very frugal life with lower incomes, but the savings we had was not worth a crap when you have mortages to pay and medical debt. I have not learned how to fix that, because I don't think they is a fix. If you don't make enough in the first place how could you save a ton for the rainey "years".. lol And medical is horrible and wipes out so many people. So, all I have learned is we all must fight the cost of medical... outside of that I know this could happen again and it scares the heck out of me.

[OhioFiler]

I think we took the honest way out. If you have nothing, can pay nothing, the obvious thing to do it give the items back in a BK and live like a bottom feeder until things turn around. I have learned a great deal from the recession more than I wanted to learn. WE lived a very frugal life with lower incomes, but the savings we had was not worth a crap when you have mortages to pay and medical debt. I have not learned how to fix that, because I don't think they is a fix. If you don't make enough in the first place how could you save a ton for the rainey "years".. lol And medical is horrible and wipes out so many people. So, all I have learned is we all must fight the cost of medical... outside of that I know this could happen again and it scares the heck out of me.

Best of luck to you. How many years have you and your husband smoked cigarettes, if you don't mind me asking?

[Mi Bankruptcy]

If an employer becomes barred from using credit history to hire an employee then it seems reasonable to me that employees can not quit working for an employer who ends up filing bankruptcy itself.

Credit History and background checks are different. I would support credit checks if someone is in a executive position where they are making financial decisions that can effect the well being of a company. CFO, CEO,COO or someone of the such.

Each company should have checks and balances to prevent embezzlement or other fraud. To blanket potential employees by doing credit checks. Now, I might support regulation on which an employer will will do credit checks but must define that they will look at A, B, C & D as a part of the hiring decision seems a little more fair if credit checks continue to be supported. This gives the person applying for a job an idea if they qualify or not.

Example, you will not be hired if you filed bankruptcy in the last year, If your FICO score is below 500, if you show you have to many trade lines based on your credit report.

[OhioFiler]

Credit History and background checks are different. I would support credit checks if someone is in a executive position where they are making financial decisions that can effect the well being of a company. CFO, CEO,COO or someone of the such.

Each company should have checks and balances to prevent embezzlement or other fraud. To blanket potential employees by doing credit checks. Now, I might support regulation on which an employer will will do credit checks but must define that they will look at A, B, C & D as a part of the hiring decision seems a little more fair if credit checks continue to be supported. This gives the person applying for a job an idea if they qualify or not.

Example, you will not be hired if you filed bankruptcy in the last year, If your FICO score is below 500, if you show you have to many trade lines based on your credit report.

Why? Why do we need to dictate to employers how they decide which person to hire? Whatever happened to freedom in this country?

[BrokeIn2010]

Why? Why do we need to dictate to employers how they decide which person to hire? Whatever happened to freedom in this country?

Never really had it? Despite the myth, it's never really been a 100% free country, there's always been some form of regulation on how you can conduct business.

By the logic of not being allowed to dictate who you have to hire for a job, why have any form of anti-discrimination law? That's telling a business how they have to conduct their hiring practices.

Credit-checks tells jack about the type of worker a person will be. And with the recession being what it is, there's a lot of great workers out there that are getting boned out of a job they would otherwise be qualified for just because they were forced to choose between food and paying the BoA bill.

[OhioFiler]

Never really had it? Despite the myth, it's never really been a 100% free country, there's always been some form of regulation on how you can conduct business.

By the logic of not being allowed to dictate who you have to hire for a job, why have any form of anti-discrimination law? That's telling a business how they have to conduct their hiring practices.

Credit-checks tells jack about the type of worker a person will be. And with the recession being what it is, there's a lot of great workers out there that are getting boned out of a job they would otherwise be qualified for just because they were forced to choose between food and paying the BoA bill.

It was the decision at the time of usage of the BofA credit card you need to compare to the purchasing of food.

Obviously, we need to hold employers to certain hiring standards which are all covered by existing laws. Why do we need to add one more? After we take away the right of the employer to evaluate a potential employee based on credit behavior then what? Do we disallow looking at his work history as well because in those tough economical times he felt forced to tell his supervisor to "F off"?

If we continue to neuter employers ability to decide who they want to hire eventually the employers will simply stop hiring. I would. I'd farm it out to some offshore labor supply.

[Mi Bankruptcy]

Why? Why do we need to dictate to employers how they decide which person to hire? Whatever happened to freedom in this country?

Freedom.. Are you kidding me. We don't have freedom. We are almost an entirely socialist society. We have tax paid, fire, police, and social services, next it will be healthcare. Therefore, we do the best we can with what we have. Try to pass laws that give people the best chance to survive. If I am applying for a job I want to know all the qualifying criteria and that includes what will be required of credit.

If you want to talk about freedom.. I served out country during war. So.. I don't take it lightly when it comes to discussions of freedom.

[BrokeIn2010]

It was the decision at the time of usage of the BofA credit card you need to compare to the purchasing of food.

Obviously, we need to hold employers to certain hiring standards which are all covered by existing laws. Why do we need to add one more? After we take away the right of the employer to evaluate a potential employee based on credit behavior then what? Do we disallow looking at his work history as well because in those tough economical times he felt forced to tell his supervisor to "F off"?

If we continue to neuter employers ability to decide who they want to hire eventually the employers will simply stop hiring. I would. I'd farm it out to some offshore labor supply.

A credit check isn't going to tell you the mindset at the time of the use of the card. And it's going to give you no relevant information about the person's education, training, and work ethic. Nothing will except sitting down and talking to the person, not some piece of fax paper.

As for employment background checks: that does tell you-- up to a point-- the type of employee the person is. And some companies already don't verify info past when you started, when you left, and if it was a quit or a termination.

[OhioFiler]

Freedom.. Are you kidding me. We don't have freedom. We are almost an entirely socialist society. We have tax paid, fire, police, and social services, next it will be healthcare. Therefore, we do the best we can with what we have. Try to pass laws that give people the best chance to survive. If I am applying for a job I want to know all the qualifying criteria and that includes what will be required of credit.

If you want to talk about freedom.. I served out country during war. So.. I don't take it lightly when it comes to discussions of freedom.

I trust you are outraged by this socialist society and the attendant loss of freedom.

I don't believe it is too late to take back our country.

Thank you for your sacrifice.

[OhioFiler]

A credit check isn't going to tell you the mindset at the time of the use of the card. And it's going to give you no relevant information about the person's education, training, and work ethic. Nothing will except sitting down and talking to the person, not some piece of fax paper.

As for employment background checks: that does tell you-- up to a point-- the type of employee the person is. And some companies already don't verify info past when you started, when you left, and if it was a quit or a termination.

It has become impossible to get information related to a candidate's previous work history over the last 20 years. Companies will mostly do nothing but verify dates of employment. A direct result of the tort industry AND a reason why employers have had to turn to other forms of background analysis such as credit reports.

[Mi Bankruptcy]

I trust you are outraged by this socialist society and the attendant loss of freedom.

I don't believe it is too late to take back our country.

Thank you for your sacrifice.

Thank You, If we could get reasonable term limits for both the house and the senate & balance budget legislation that would be a great start. I would like to even see that ability for a line item veto. Can you imagine a president sitting down and crossing out all the pork out of a bill? Then if it's abused the congress passes and additional amendment for anything that is veto'd

[BrokeIn2010]

It has become impossible to get information related to a candidate's previous work history over the last 20 years. Companies will mostly do nothing but verify dates of employment. A direct result of the tort industry AND a reason why employers have had to turn to other forms of background analysis such as credit reports.

I'll agree that employers are pushed into a corner in regards to discussing work history. Where my wife works it's a terminable offense to even verify that someone was or is employed with the company, they must redirect the call to the automated system. While I think a employer should be allowed to at least "Grade" your performance (good, bad, acceptable, etc) or say "would or would not rehire", I don't think they should have a blank-check to bad mouth former workers.

However, credit-reports lack any context to be worth the money spent on them. All they do is prop up a market that tells employers that the poor or people going through hard-times are somehow less trustworthy.

[MSbklawyer]

I'm with OF on this one. What an employer considers to be important in his potential employees is his business. While I might think that credit history should not be used to screen potential employees, someone else may think it vitally important that his employees have a good, clean credit history. What interest does the state have in dictating to a private business how it should screen its employees?

[OhioFiler]

I'll agree that employers are pushed into a corner in regards to discussing work history. Where my wife works it's a terminable offense to even verify that someone was or is employed with the company, they must redirect the call to the automated system. While I think a employer should be allowed to at least "Grade" your performance (good, bad, acceptable, etc) or say "would or would not rehire", I don't think they should have a blank-check to bad mouth former workers.

However, credit-reports lack any context to be worth the money spent on them. All they do is prop up a market that tells employers that the poor or people going through hard-times are somehow less trustworthy.

Where do you recommend employers gather the appropriate context to make a qualified hiring decision?

I am confident I can explain my bankruptcy to a hiring manager should I need to do so. And frankly, if they are not interested in me solely because of my credit history I'd rather not work for them anyway.

I understand your position on using credit as a hiring criteria and agree it is unreliable. That doesn't overcome the argument that the employer should have a right to use it for deciding who to hire. How is using such information somehow discriminatory or a violation of anyone's rights?

[Mi Bankruptcy]

I have clarify, I don't like government telling business what they can do. However, if an employer has the right to look at my credit report don't you think it is not only fair they have to provide details of what they are going to looking at. Think about all the small details a credit report says about you. Maybe I have a Walmart credit card and the employer is all about Unions.. So, they disqualify me?