Should employers be able use your credit history as a reason not to hire you?

Especially considering what's going on now with the economy should a company not hire you and foward you a chance to make an honest living because of your credit score?

Somebody in a dire financial situation is probably more likely to steal in jobs that include handling of money. And in jobs such as mine that involve handling sensitive information, someone that needs money is probably more likely to sell such information.Engrish_Major

I wouldn't have a problem if they did. But I don't see any pertinent information that could be gleaned from it. They would be paying me...what do they care what I do with the money they would be giving me? Are they going to inspect my car to make sure it's reliable enough to get me to work? Check my closets to make sure I have the proper apparel?FragStains

It depends, but if all jobs did it? How would someone ever get out of debt?

It really depends on the job. If it some pizza boy No. Anything to do with Law enforcement then yes

I think that's pretty stupid...unless the job is at a credit agency or something. "Oh, so you've been in a bad financial situation? Well, we don't really like hiring people who badly need the job. Sorry." /facepalmSpaceMoose

Police often look at credit history. If you are severly in debt they think you are more open to bribes

[QUOTE="Engrish_Major"]Somebody in a dire financial situation is probably more likely to steal in jobs that include handling of money. And in jobs such as mine that involve handling sensitive information, someone that needs money is probably more likely to sell such information.FragStains

[QUOTE="Engrish_Major"]Somebody in a dire financial situation is probably more likely to steal in jobs that include handling of money. And in jobs such as mine that involve handling sensitive information, someone that needs money is probably more likely to sell such information.FragStains

Even worse it could mean their ID was stolen. Credit scores to not recover from that quickly.duxup

It depends, but if all jobs did it? How would someone ever get out of debt?

TreyoftheDead

Aw heck yeah

If you can't tend to your own doings then how on Earth can you be expected to do work for someone else?

"Yeah Bob, you can't even pay of a pack of Dentyne on time, lock up the store when you're done"

Sorry, you carry your screw ups through life. No need for the people who can't hack the most basic of adult responsibilities to put an employer at risk

(for the cases like stolen identity all the person should do be able to bring in the paperwork showing what happened)

[QUOTE="duxup"]Even worse it could mean their ID was stolen. Credit scores to not recover from that quickly.Engrish_Major

Criminal background check sure, not a credit check.

It might be an indicator of how responsible someone is. Elraptor

it might be, but can't really be looked at that way. i'm 28 and have pretty much no credit, why ? because i know that although i make enough to get by on and a little extra i don't make enough to go get a credit card and know without a doubt that i could keep up with it (what happens when/if i need a car repair and have to use my credit card payment money to repair my car? then i can't make a payment and thats a strike against me) so i think having NO credit can't be terribly misconstrued for job purposes. having bad credit is a different story, my moms gone through 2 bankruptcies and i can honestly say i don't think she's the best with money.

Your credit score is not a personality profile folks. I only indicates if creditors view you as credit worthy or not. Like someone said earlier how are you suppose to get out of debt if you can't get a job because of your credit. Also suppose you were a victim of identity theft? The reason I bring this up now is because the market is full of unemployed people right now alot with damaged credit and some who have degrees, so if it boiled down to the guy that was laid off and fell behind on some bills but has a BS or the guy who lives at home with his parents and graduated highschool recently but is paying for his first car which is his only bill but has a good credit who should get the job?

Aw heck yeah

If you can't tend to your own doings then how on Earth can you be expected to do work for someone else?

"Yeah Bob, you can't even pay of a pack of Dentyne on time, lock up the store when you're done"

Sorry, you carry your screw ups through life. No need for the people who can't hack the most basic of adult responsibilities to put an employer at risk

(for the cases like stolen identity all the person should do be able to bring in the paperwork showing what happened)

Jaysonguy

[QUOTE="Jaysonguy"]

Aw heck yeah

If you can't tend to your own doings then how on Earth can you be expected to do work for someone else?

"Yeah Bob, you can't even pay of a pack of Dentyne on time, lock up the store when you're done"

Sorry, you carry your screw ups through life. No need for the people who can't hack the most basic of adult responsibilities to put an employer at risk

(for the cases like stolen identity all the person should do be able to bring in the paperwork showing what happened)

SpaceMoose

They can work low level jobs with little to no responsibility.

[QUOTE="SpaceMoose"][QUOTE="Jaysonguy"]

Aw heck yeah

If you can't tend to your own doings then how on Earth can you be expected to do work for someone else?

"Yeah Bob, you can't even pay of a pack of Dentyne on time, lock up the store when you're done"

Sorry, you carry your screw ups through life. No need for the people who can't hack the most basic of adult responsibilities to put an employer at risk

(for the cases like stolen identity all the person should do be able to bring in the paperwork showing what happened)

Jaysonguy

They can work low level jobs with little to no responsibility.

[QUOTE="Jaysonguy"]

[QUOTE="SpaceMoose"] So your solution for people who haven't been able to pay their bills is to not let them earn money with which to do so. Brilliant!SpaceMoose

They can work low level jobs with little to no responsibility.

[QUOTE="Jaysonguy"]

[QUOTE="SpaceMoose"] So your solution for people who haven't been able to pay their bills is to not let them earn money with which to do so. Brilliant!SpaceMoose

They can work low level jobs with little to no responsibility.

Since when are low level jobs unemployed?

They work, they get money

You want to give them better jobs?

They screw up and you want to reward them?

I favor personal responsibility. If you don't that's fine

They should not be able to check that, period.

[QUOTE="SpaceMoose"][QUOTE="Jaysonguy"]

They can work low level jobs with little to no responsibility.

Jaysonguy

Since when are low level jobs unemployed?

They work, they get money

You want to give them better jobs?

They screw up and you want to reward them?

I favor personal responsibility. If you don't that's fine

Personal responsibility? You don't get a bad credit score from what you do at work. One can get a bad credit score from, for example, getting laid off unexpectedly. How is one supposed to take "personal responsibility" and fix their credit if they can't get a job making enough money to pay off their debt in the first place? Your whole argument makes no sense. You can throw around conservative buzz words all you want. It's still dumb. You act as if the topic is about hiring convicted felons.

Employers should be able to use whatever factors they want. It is their money they're giving you, after all.

[QUOTE="Jaysonguy"]

Aw heck yeah

If you can't tend to your own doings then how on Earth can you be expected to do work for someone else?

"Yeah Bob, you can't even pay of a pack of Dentyne on time, lock up the store when you're done"

Sorry, you carry your screw ups through life. No need for the people who can't hack the most basic of adult responsibilities to put an employer at risk

(for the cases like stolen identity all the person should do be able to bring in the paperwork showing what happened)

SpaceMoose

No, we believe the people that are the most responsible and have the best qualifications for the job should get the job, not someone who just "needs" the job. You act like all businesses do this. For certian jobs, this would be very useful information for getting the right man for the job.

[QUOTE="Jaysonguy"]

[QUOTE="SpaceMoose"] So your solution for people who haven't been able to pay their bills is to not let them earn money with which to do so. Brilliant!SpaceMoose

They can work low level jobs with little to no responsibility.

It's called be responsible and don't get into huge amounts of debt in the first place. Pay your bills on time. Simple as that. It's not YOUR job. It's the businesses job. They are giving you the money, and they should be able to hire the best person for the position, not who "needs" it. But yeah, you're right, we should have homeless people be doctors because they "need" the money. Excellent logic!

One more step towards an inevitable revolution, things like this specifically single out less advantageous individuals and secure they have one less chance to make it somewhere. When are all these people at the bottom being shoved further down gonna finally SNAP?

This asinine discrimination will only encourage crime.

[QUOTE="SpaceMoose"][QUOTE="Jaysonguy"]

They can work low level jobs with little to no responsibility.

It's called be responsible and don't get into huge amounts of debt in the first place. Pay your bills on time. Simple as that. It's not YOUR job. It's the businesses job. They are giving you the money, and they should be able to hire the best person for the position, not who "needs" it. But yeah, you're right, we should have homeless people be doctors because they "need" the money. Excellent logic!

[QUOTE="trix5817"]

[QUOTE="SpaceMoose"] So....basically the same thing. Then you will turn around and complain when they are on welfare or whatever because they aren't making enough money, am I right?sSubZerOo

It's called be responsible and don't get into huge amounts of debt in the first place. Pay your bills on time. Simple as that. It's not YOUR job. It's the businesses job. They are giving you the money, and they should be able to hire the best person for the position, not who "needs" it. But yeah, you're right, we should have homeless people be doctors because they "need" the money. Excellent logic!

You're credit history has mainly to do with how resposible you are. Thinks like paying you're bills on time, etc, etc. It's why if you've never had credit (and therefore don't have a credit history), people are going to be cautious before giving you a loan. They will see if you're paying off college loans, and this won't matter to them. What they're looking for is irresponsibilty. Again, every single business isn't going to do this. And if you want to work for a company that does, then too bad. It's not YOUR job. It's THEIRS. It's why this shouldn't even be debatable. It's not up to you to decide. No one's forcing you to do anything.

Personally I don't care that much since I don't buy things I can't afford.

No, we believe the people that are the most responsible and have the best qualifications for the job should get the job, not someone who just "needs" the job. You act like all businesses do this. For certian jobs, this would be very useful information for getting the right man for the job.

trix5817

It's called be responsible and don't get into huge amounts of debt in the first place. Pay your bills on time. Simple as that. It's not YOUR job. It's the businesses job. They are giving you the money, and they should be able to hire the best person for the position, not who "needs" it. But yeah, you're right, we should have homeless people be doctors because they "need" the money. Excellent logic!

trix5817

His position (not yours necessarily, but you chose to jump into my argument with him) would apparently be that if someone has a medical degree and was an ace surgeon they shouldn't get the job if they have bad credit, which is possibly one of the dumbest positions on anything I've ever heard.

[QUOTE="trix5817"]

It's called be responsible and don't get into huge amounts of debt in the first place. Pay your bills on time. Simple as that. It's not YOUR job. It's the businesses job. They are giving you the money, and they should be able to hire the best person for the position, not who "needs" it. But yeah, you're right, we should have homeless people be doctors because they "need" the money. Excellent logic!

SpaceMoose

His position (not yours necessarily, but you chose to jump into my argument with him) would apparently be that if someone has a medical degree and was an ace surgeon they shouldn't get the job if they have bad credit, which is possibly one of the dumbest positions on anything I've ever heard.

It's your logic, not mine. I'm just pointing out how flawed that mentality that people should get jobs because they "need" them. That shouldn't be a factor at all when hiring someone. I'd like to see how long your business would last if you had that mentaility when hiring people.

The title of the thread is "Should be employers be able to use your credit history as a reason not to hire you?". If they shouldn't, then that implies that government must make a law against it, which is absolutely ridiculous.

I thought it was obvious that it isn't necessary or practical for all jobs, but the point is that it is for some, which is why it should be allowed.

Yes.

Employers have the right to not hire you for any reason they damn well please.

Its their business.

Employers should be able to use whatever factors they want. It is their money they're giving you, after all.

-Makaveli-

So if they decide they don't want to hire any women or Latinos or african americans or gay people that's perfectly acceptable right?

Employers should be able to use whatever factors they want. It is their money they're giving you, after all.

-Makaveli-

[QUOTE="-Makaveli-"]

Employers should be able to use whatever factors they want. It is their money they're giving you, after all.

mosdef_basic

So if they decide they don't want to hire any women or Latinos or african americans or gay people that's perfectly acceptable right?