Should Your Credit Report Cost You a Job?

Another Road Block to Job creation: If I were borrowing money from my employer, then yes they have a right to check my credit history, but not if I am seeking a job.

It appears as though they are now able to determine the ethics of a person by merely looking at their credit report. If this is the case they should also investigate a person's religion and sexual preference. Do they even believe in God? (43% of all Atheists, Agnostics & Muslims have a death wish).

We should also find out how many times a potential employee or Independent contractor has been divorced, re-married and if they cheated on their spouses. (57% of all people who have cheated on a spouse(s) are likely to lie & cheat on their employers).

How many parking tickets has a person had in the past? (51% of all parking ticket offenders do not respect authority).

Is this person a Republican or Democrat? (47% of all Democrats are more liberal than Republicans and may show out of control spending tendencies, in an effort to pay down the bills of their Republican predecessors).

At one time the Insurance Companies were trying to pass a bill that would enable them to raise your insurance premiums, based on your credit report.

Could this be one of the inequities the "Occupy Wall Street" groups are upset about, or could this just be another Civil Rights violation?

Steve of AR 1:19PM October 20, 2011

My credit is terrible due to a divorce and an ex-spouse who is unable to pay his (legally) agreed up 50% of our kids expenses. A piece of paper (the credit report) doesn't "explain" these issues but simply shows I am late paying my bills. It doesn't explain WHY. How is this a fair way to judge someone's ability to perform their job? I do not handle money in my profession and this ridiculous way of "judging" how well I can do a job based on my finances is costing me and many others the opportunity to provide a better life for myself and my children. Just because someone is having a difficult go of it, having trouble meeting their obligations by the due date (let's face it, with gas prices through the roof, pay cuts and the recession - who ISN'T having a hard time??), how does that translate into "sorry, you're not qualified"? There will always be dishonest people - even those with "perfect" credit. Screen me for drugs, give me a skills test and talk to my previous employers. THAT is what should determine whether or not I'm qualified for a position.

Erica of NJ 12:49PM April 11, 2011

5 weeks after being hired by a local casino as a blackjack dealer, I was fired (released) because of past due debt. Their policy states that they allow bankruptcy, foreclosure and medical, but nothing else. I appealed the decision and lost.

My thinking is that there must be other employees currently working for the casino with the same problem, but it is not known because the casino only does the credit check when hired, not afterwards.

Wouldn't this be discrimination?

Twiz of MN 5:24PM January 26, 2011

I have been unemployed for two years...during that time, I had no med insurance and had to go to the hospital...couldnt pay the bill in one lump sum, so am paying it little by little, but it was still reported as late, AND on top of it, was and still am dealing with identity theft...in any event, I was one of the last two candidates at a job with the Arthritis Foundation. They ran my background check and informed me...I was no longer in consideration for the position. When I inquired, I was told that "In order to work here you must have STELLAR credit" I even asked, if it makes a difference that I have been unemployed for two years, and have never had a late mortgage or insurance payment, and prior to unemployment, I had credit that was just fine...They told me they dont care about that. The Arthritis Foundation....lovely. I bet they dont care what kind of credit the people have who give them money.

Lynn of TX 9:33PM January 13, 2011