Waiting for Background Checks to come in...

[tinroofrusted]

SO I can know for sure if I got the new job or not...


This is the first time I am really worried if my BK might hurt me or not...

Say a prayer, because I really really really need this new job.. I am about to get laid off of the other one!!

[krobin02]

Prayer said and good luck!

[BassBoy]

BK shouldn't hurt any job opportunities

[tinroofrusted]

BK shouldn't hurt any job opportunities

I feel the same way, but with some people you never know.

As far as the criminal part goes, I have never had so much as a ticket, so I will pass that one with flying colors, no problem!

It's the credit one that I am worried about....

[BassBoy]

If an employer doesn't hire you because of BK, I would believe that would fall under discrimination. Can anyone else give a definate yes or no here?

[tinroofrusted]

If an employer doesn't hire you because of BK, I would believe that would fall under discrimination. Can anyone else give a definate yes or no here?

BassBoy,
I completley see where you are coming from, but if that is the case, why would they bother to pull a credit report in the first place, if not for the sole purpose of looking at things like BK, judgements, etc......

[BassBoy]

I could see the potential employer looking at your background, but pulling credit report? I don't believe an employer can pull your credit report without consent. Are you positive they are pulling your credit report?

[tinroofrusted]

I could see the potential employer looking at your background, but pulling credit report? I don't believe an employer can pull your credit report without consent. Are you positive they are pulling your credit report?

Yes sir.

[BassBoy]

Okay then. DId you grant premission, because......I found this little tid-bit........"employers must obtain your written consent prior to conducting this inquiry. II believe they can get a modified report and this means that a modified report omits account numbers for your protection and privacy.

F.Y.I., While we are discussing this, I'm looking at a few things. Hopefully, I'll find something to help you (and I) understand this a little better.

[BassBoy]

From: Trenam, Kemker, Scharf, Barkin, Frye, O'Neill & Mullis.

The Federal Trade Commission recently warned that “those in the business community who believe that the Fair Credit Reporting Act is limited to credit are misreading the law.” Employers should take heed.

The Act with the misleading name applies whenever employers use outside services to obtain information about job applicants or existing employees. If the information relates to the applicant or employee’s “credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living,” then the Act imposes certain, mostly procedural, requirements for employers to follow.

The requirements are not onerous. Indeed, with properly drafted disclosure and authorization forms, you can obtain permission to pull credit reports, criminal background checks and have a private investigator interview the applicant or employee’s neighbors, references or former employers. This permission can last for the duration of employment if your documents are properly worded, allowing you to investigate when you are considering whether to promote or retain the employee, perhaps under circumstances in which you prefer not to ask the employee for the required authority.

Additional requirements kick in when employers consider taking adverse action based on material disclosed in reports from third parties. Taking the appropriate steps at theproper times can be crucial to avoiding liability under the Fair Credit Reporting Act. For example, you must give notice that you are considering negative information in a report, so that the employee or applicant can respond, before you take adverse action based on the contents of the report. A disgruntled employee or applicant can use Fair Credit Reporting Act claims as a convenient add-on to other claims. Success on the Fair Credit Reporting Act claim brings a right to attorney’s fees and costs of the lawsuit, as well as actual damages, statutory damages of between $100 and $1,000 per violation and punitive damages. Even if the total damages are not great, the right to attorney’s fees makes Fair Credit Reporting Act claims especially inviting to plaintiffs’ lawyers.

[BassBoy]

[AMISLANDER]

When I started my present job (11/04)

I got my job through Kelly Services and I know they did prescreening...It was a year before my bk filing...but I wonder if my cc debts ever came up?

I did explaine that I had a D.U.I. from 2002 but had completed all the necessary things that came with that...also I had been arrested for comitting a felony in a moving vehicle (funny but not) because I cashed a check that was made out to me, at my own bank, and got arrested because it turned out to be a stolen check and I had no idea....all charges were dropped & I had to get a letter from the court saying so...since I had that back-up, Kelly services had no problem with me.....

I would like to get my LCAM license as well as notary public and just wonder if my bk will affect any of that?

[FloridaGirl]

As true as those things are, no employer would actually say they didn't hire/fired someone due to a bankruptcy. They would come up with some other reason in order to avoid prosecution.

[BassBoy]

[tinroofrusted]

As true as those things are, no employer would actually say they didn't hire/fired someone due to a bankruptcy. They would come up with some other reason in order to avoid prosecution.

VERY true!