Some States May Ban Credit Checks for Employment

[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.

[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]

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?

[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]

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?

[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]

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.

[flyinbroke]

A credit check won't work for illegals; they have no SSNs and therefore it is highly likely that they have no records.

Background checks, I am all for. You don't want a convicted child molester landing a job as a teacher, or a bank robber to work accounts receivable. You don't want any felon to work in sensitive positions (ironic that they all work in collections). However, a few late payments or a BK does not mean someone is likely to steal. If I thought that way, I wouldn't be late now, would I? I would have embezzled my way out of debt.

Now if only they would eliminate this for insurance. I paid cash for my last repair and have crummy credit thanks to the CLDs and other factors. BK should make insurance completely unaffordable.

[Mi Bankruptcy]

If potential employees should submit to a credit check then the same thinking should apply to people that file bankruptcy. BK'rs should not be allowed to ever have credit again. We have already proved we can not handle credit? So, is it still fair?

[music12]

i don't see how a credit check is related to illegal immigrants. i guess if someone forged a social security number, you could find it through a credit check. but you could also verify an SS# in other ways.

it won't be possible to lessen the discriminatory factors. once an employer has the info, they use it in whatever way they want, legal or not.

[Flamingo]

The elimination of credit and background checks will open the doors further for more of those in this country illegally to obtain more positions. I don't think any checks should be eliminated, I believe the discriminatory factor should be lessened for those that had to file BK for medical or job loss reasons and are not serial filers

[music12]

About time. It's insulting to be treated as untrustworthy or a bigger "risk" just because one's be hit bad circumstances beyond their control.

yeah, especially when they are being treated like that by banks who have been more irresponsible with money than anybody.

[banca rotta]

I happen to know a lot of coworkers with great credit that are on edge because of their heavy debt burden and their performance sucks!

I think this is a good idea in these difficult times. All we need are politicians that will get out of the way with their expensive programs so we can see some job creation otherwise this good idea won't do much.

[BrokeIn2010]

About time. It's insulting to be treated as untrustworthy or a bigger "risk" just because one's be hit bad circumstances beyond their control.

[music12]

momisery is ABSOLUTELY right. they should be allowed to run a criminal background check, maybe a chexsystem check, but definitely not a credit check. credit has absolutely nothing to do with the ability to do almost any job. maybe someone with bad credit shouldn't be hired at a firm helping people reduce their debts (though the real crooks work exactly there!). but for any other job, including jobs where you handle money, a bad credit says nothing about suitability for the job. nothing.