Should Your Credit Report Cost You a Job?

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I think it is best if our future children should learn about money, like banks, credit cards, loans and buying a house. Adults like you and me need to explain to the employers that we are working on finances the best way we can. May the new bill can give the customers a class on how to do their finances for themselves. Then the employers can always ask the employee are you getting the education base on your own finances like banks, credit cards, loan and buying a house.

Christina of CA 1:41AM January 30, 2013

I am a recent college graduate with bad credit from medical expenses AND I have a drug conviction from 15 years ago. I have virtually have no chance of finding work outside of fast-food, which will not cover living expenses once I start having to pay back student loans in the next couple of months.
Here's some advice for others as it is now my plan:
1. go back to school, OR (as I am doing in a hard-science) go back for a graduate degree, and do it on the government's dime through fafsa, etc. Take out student loans if needed.
2. Broaden your cultural horizons. The key to this technique is learning one or more languages that are spoken by non-Anglo-American (or in my case, most non-NATO) countries that are passing up the US either individually or together as a unit(s) (eg: SCO, BRICS, etc). For example: Mandarin, Hindi, Brazilian Portuguese, German, Russian, Ukrainian, Spanish (gets you around!), French. These are just a few possibilities. There are places on the web to get some most excellent famous language programs if you are on a budget. I won't mention where to go, but ask yourself: Where would Jack Sparrow go to acquire the famous Egyptian STONE(wink wink) that allowed us to reconstruct their lost language. He would also sail through any TORRENT to do so(more winks).
3. This is the hardest part: Give up your national pride and prepare yourself for some culture shock! This is tough. Tougher than many of us want to admit to ourselves.
We must understand that the USA's position as dominant world power is coming to an end, not to mention its status as a 1st-world nation. When a country has its prospective work-force posting what I've read here and on sites like this one, when the new jobs are working at or IN prisons, wars, or in various levels of serfdom, when the population in 35% obese, believes the Sun orbits a 6,000 year old Earth to the tune of 25%, and largely cannot find its friends or enemies on a globe...well partner, the time has come to recognize the writing on the wall and prepare to abandon ship. How many Roman elites partied while their capitol burned?
Perhaps one day in the future America will be a freedom-loving, economically prosperous light of the world...but that is not today, and it will not be tomorrow, next-week, or the next few years or the next decade.
Do not tether yourself to the Titanic because of pride when you know in your heart that the ship is sinking. The lifeboats are for the rich and if you're scouring these web-pages, that's not you!
Good luck and Godspeed!

Jingleheimer Pettybone of TX 12:39PM August 31, 2012

I been out of work for almost 2 years unemployment benifits expired in April, lot of interviews, but because of my credit, I cant get a job, you would think since my criminal record is clean and drivers record they would look past bad credit.To discriminate somone for bad credit thinking there going to steal from them is WRONG, I and every one else I belive do not think its worth going to jail for. I feel like I am a criminal because of my credit. I did not ask to get layed off its not like I quit my jobs??? NOT FAIR!!!! US is getting worse and worse. Goverment does not have to worry about money and a job. If they going to go by your credit dont hire me if I just went and quit my job go by them for being layed off. Its a difference. HOPELESS!!!

Karen of SC 1:34PM July 26, 2012

YEAR 2012 and nothing has changed. Another job offer only to be declined because of my credit report, non-veteran status, age, sex, and so on. Screw American Politicians, they will see our hatred and feel our pain soon.

Rob of TN 7:26AM June 05, 2012

My husband has been out of work since 2007 due to a back injury, he settled his comp case and applied for a job at the Galveston Pleasure Pier as a Facilities Specialist. Two interviews later and even with the huge gap of being unemployed and with full disclosure of back problems they hired him. On May 25th after three 15 hour days my husband's back seized up and they sent him home and told him to rest up and come back. He went back to work on May 27th...worked for about 6 hours. He was trying to move an amusement ride's car which weighed about 150 pounds and when someone tried to help him his boss says and I quote 'push hard or go home'..when he couldn't do it by himself they fired him. He went back in to turn in his uniforms and they said they wanted him back, to keep the uniforms but that they got a letter about his credit score. They stated they would have to have special approval to bring him back. Let's look at this...he has been working for over a month...he gets sent home due to his back on May 25th...the letter in regards to his credit check is also dated May 25th...a little over a month AFTER they hired him. He is in facilities, has nothing to do with payroll, purchasing, accounts payable or confidential information but yet his credit score is preventing him from returning to work to do a job he has performed very well for over a month already!!!! I advised him that it is a way to not bring him back because of his back but using another tactic because they hired him knowing about his back in the first place. On top of all of that there are no judgments or liens, we own all our vehicles, we own our home, we do not owe any credit card balances or back taxes and we make sure we are insured...the stuff on our credit bureau report is almost all medical bills. We are disgusted with this practice and it needs to stop.

Sandra Garrett of TX 4:08PM June 02, 2012

So ironic -- I always paid cash - then realized I was considered a risk and HAD to get a credit card to be worthy. I get cards (as required to even get a movie rental) pay them each month for years, never reaching my limit, after may years I buy a house. The first time ever I run up my cards buying for my new 1st home, then I am laid off. I stop using my cards, pay every month, still never late, (and most often even pay more than the minimum payment as I am selling my belongings because I don't like to owe) and over night the bank destroys my credit by reducing my credit limits to just above what I owe. Ok,fine, I have a home, have always been responsible, will be fine. A year later, still now finding full time work making even half what I was, and in school full time, not using my cards and paying them down, again, the bank calls a year later and reduces my limit to just above what I owe. And I have only learned how backwards things are since - tits why those like Trump can go bankrupt several times and yet be called successful while a regular person working their ass off has a bad turn after years of loyalty and good credit, becomes the loser that is now called the lazy unworthy daring to ask for 'hand outs' like unemployment. SSI, or Medicare (they actually earned and paid for BTW) what kind of backwards world are we living in where the banks that messed up take OUT tax dollars then turn around and screw those of us that made them and paid those taxes in the first place?!?!?
The only reason I am ok is because i have managed to keep the house and my car (so far) by selling my possessions and or borrowing $ (which I HATE to do) -- but as I am continuing to apply for work, is my restored then overnight, again destroyed credit keeping me from getting the job I more than deserve? Seriously, What kind of backwards world are we living in?! You were fine until you lost work, and now you deserve to work the least? Because you aren't lucky enough to have a not yet stollen 401K to cash out? Jewelry to sell? Or born into a rich family like Bush W who destroyed his oil business but had a Saudi to bail him out?
Anyone still reading most likely already knows, so I will reign myself in. But I know I am not alone so I have to put it out there (even if only to remind myself to remain sane).

Eli of WA 7:11AM June 02, 2012

This is discrimination at its best. Those who are out of work or have been sick or whatever the circumstances should be allowed to work without looking at their credit report. These are the people who NEED to work to get things back on track

Sonja of MI 9:11AM May 24, 2012

In todya's world with over 8% unemployment, how an unemplyed person can mantair a good credit record? So, once again, what is the purpose, another screening hurdle design by an a...hole in a HR department!?!?!?!

A.E.S. of FL 8:13AM May 09, 2012

In response to Twillight; actually, you are completely incorrect. A 'greedy, selfish CEO didn't make up this requirement for employment, it was/is a (typically) liberal, Human resources person who thought it would be a 'neat' criteria for employment screening. I am personally unemployed but I have great credit. i refuse to accept an interview or employment from any company that requires a credit check for a position that it would have no bearing for. I will lose my house and live in a cardboard box before I do. We are all becoming too complacent - we should all be screaming at the top of our lungs at these invasions of privacy. It is still America, after all.

Outraged of NC 6:31PM April 13, 2012

What does this credit report has to do with jobs that dont involves in money handling? If many companies refuses to hire because you lack fiancially. Duh that is why usa is in deep unemployment lost. Why Thanks to those greedy selfish ceo who just dont understand economy raport

twillight of WI 9:40PM March 23, 2012