Associated Press | It’s hard enough to find a job in this
economy, and now some people are facing another hurdle: Potential
employers are holding their credit histories against them.
With that mind, state legislators in Illinois and 15 other states have proposed bills to ban
credit checks on most job applicants, according to the National
Conference of State Legislatures. Hawaii and Washington already have such bans in place.
“We
are in the great recession and this creates a vicious cycle,” said Maryland Delegate Kirill Reznik, who drafted a bill being
considered in his state. “People lose their jobs, that naturally precipitates them getting
behind on bills, their credit scores go down, they are trying to find a
job to pay off the bills, and employers won’t hire them because of
their credit score.
Sixty percent of employers recently surveyed by the Society for Human
Resources Management said they run credit checks on at least some job
applicants, compared with 42 percent in a somewhat similar survey in
2006.
Sixty percent of employers recently surveyed by the Society for Human
Resources Management said they run credit checks on at least some job
applicants, compared with 42 percent in a somewhat similar survey in
2006.Employers say such checks give them valuable information about an applicant’s honesty and sense of responsibility. But lawmakers in at least 16 states from South Carolina to Oregon have proposed outlawing most checks, saying the practice traps people in debt because their past financial problems prevent them from finding work.
Wisconsin state Rep. Kim Hixson drafted a bill in his state shortly after hearing from Terry Becker, an auto mechanic who struggled to find work.
Becker said it all started with medical bills that piled up when his now 10-year-old son began having seizures as a toddler. In the first year alone, Becker ran up $25,000 in medical debt.
Over 4 1/2 months, he was turned down for at least eight positions for which he had authorized the employer to conduct a credit check, Becker said. He said one potential employer told him, “If your credit is bad, then you’ll steal from me.”
“I was in a deep depression. I had lost a business, I was behind on my bills and I was unable to get a job,” he said.
Hixson calls what happened to Becker discrimination based on credit history and said his bill would ban it.
“If somebody is trying to get a job as a truck driver or a trainer in a gym, what does your credit history have to do with your ability to do that job?” Hixson said. He said he knows of no research that shows a person with a bad credit history is going to perform poorly.
Under federal law, prospective employers must get written permission from applicants to run a credit check on them. But consumer advocates say most job applicants do not feel they are in a position to say no.
Most of the bills being proposed this year resemble laws in Hawaii and Washington that prevent employers from using credit reports when hiring for most positions. The laws contain exceptions in cases where such information could be relevant to the job — for example, if the person is applying to work in a bank or an accounts-payable office.
On a national level, Rep. Steve Cohen, D-Tenn., introduced a similar bill last summer in Congress, where it is still bottled up in committee.
Even though more companies are using credit checks, only 13 percent perform them on all potential hires, according to the Society for Human Resources Management’s most recent survey. Mike Aitken, the group’s director of government affairs, said a blanket ban could remove a tool employers can use to help them make good hiring decisions.
Aitken pointed to a 2008 survey by the Association of Certified Fraud Examiners that found the two most common red flags for employees who commit workplace fraud are living beyond their means and having difficulty meeting financial obligations. The same survey estimated American companies lost $994 billion to workplace fraud in 2008.
Aitken said someone who cannot pay his or her bills on time may not be more likely to steal, but might not have the maturity or sense of responsibility to handle a job like processing payroll checks.
In Maryland, where the state Chamber of Commerce opposes a bill banning most credit checks, employers at a recent legislative hearing said they are not interested in applicants’ credit scores.
Instead, they said, they are concerned about things like debt collections and legal judgments rather than poor credit because of medical bills or school loans. They also said companies give job applicants a chance to explain their credit problems.
Last year California lawmakers voted to curb the use of such checks, but Gov. Arnold Schwarzenegger vetoed the bill under pressure from Chamber of Commerce leaders who called it a “job-killer.”
But Maryland Delegate Kirill Reznik, who drafted the bill being considered in his state, said people struggling to get jobs need help.
“We are in the great recession and this creates a vicious cycle,” Reznik said. “People lose their jobs, that naturally precipitates them getting behind on bills, their credit scores go down, they are trying to find a job to pay off the bills, and employers won’t hire them because of their credit score.”
Maryland public school employee Jen Harwood said running credit checks on job applicants “perpetuates the divide between the haves and the have-nots.”
“If you continue digging into people’s past and not looking into what people have to give today, you are making a bigger divide,” Harwood said.
Consumer advocacy groups are also lining up behind the legislation, pointing out that credit reports can contain inaccurate information.
Becker, the Milton, Wis., resident with bad credit, has found work dismantling cars at an auto recycling company that did not ask to run a credit check. He worries, though, about friends in the auto industry are looking for work and coming up empty-handed because of credit problems.
“It just seems like once you fall behind, you’re behind,” he said. “It’s really hard to get back on the right financial track.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
This topic is a very sore subject with me. If anyone feels insulted or that I picked on their post please be an adult and re-read what you wrote and what my reply was to it. Using a credit report in today’s economy is not a cut and dry answer. With so many people out there looking for a job, they all have a different reason for having a bad credit report, that they should be able to explain it to the potential employer in person.
I have not had a full-time job since the company I was working for went out of business in March of 2006. I have had part-time jobs, but when the economy took a dive they started cutting back on hours and or employees.
If I can’t get a job, I can’t pay my bills. If I can’t pay my bills then my credit will just keep going down further. Pretty soon my perfect credit score will be perfectly totally ruined, why because I can’t get a job because my credit score will be ZERO.
I like most everyone else with bad credit has never stolen anything. I have never had a speeding ticket in the 37 years that I have been driving. I have never been in trouble with the police. I’m a good honest decent person, but I have horrible credit, because I can’t get an interview.
None of us should be held responsible for having bad credit, it isn’t our fault that there aren’t in companies in America that will give us chance. Gee if we had jobs we could take our weekly, bi-weekly paychecks and pay our bills and rebuild our credit.
I would love to go back to work. I would love not having to ignore the phone when the creditors are calling. I would love to be able to hold my head up high. I would love to be able to buy a new car, since the one I’m driving is 16 years old and is on its last life. My husband is driving a 17 year old car. We aren’t “frivolous” with our money, but we just can’t make it on one paycheck. I have student loans that need to be paid back. We have credit cards that helped us keep our heads afloat, but now they have all been charged off. There are doctor bills for my son, my husband, my daughter and me from last year. Yep, they are in the pile titled “As soon as I can get a job with horrible credit, I will gladly pay you off”.
So listen up Credit Card Companies, our doctor’s, hospital, labs, Mortgage Company. I promise to pay you all back the money that I owe you, but until I can get a job with horrible credit that just won’t be possible right now. I have sent out over 500 resumes in the last year. Not one interview came from any of them. I have over 30 years experience in office work. I have experience in factories, warehouse, shipping, packing. So I’m qualified for all of the jobs I submitted resumes to, but when my credit check comes back I end up on the cutting floor or in the shredder or I get hit with the delete button. However they choose to get rid of me, they do and that is the end of me with my bad credit rating. Everything on my resume is true and can be checked very easily just by making a phone call. Well with the exception of my last employer, but when they went out of business it was on the news and in the newspaper so they can find out about that also. I don’t have any lies on my resume, so T W Norton I’m guessing my credit report scores do come into play and that is why I’m not getting a job.
So President Obama if you really want to help all of us unemployed American people that have been out of work by no choice of our own. But who really want to work, but we can’t because of the credit check for employment. Please do us all a big favor and have that rule removed immediately. Imagine if we could get jobs, we could pay our bills and also buy the things we really need. Food, clothing, heat our homes, have lights on, we could really give the economy a boost all on our own.
This is an earlier post I ran across and it does not fit me or my family!
The Truth | March 1, 2010 1:29 PM | Reply
I don’t really support this legislation. Many people experiencing “hardship” right now brought it on themselves, living FAR beyond their means and being totally irresponsible. Sure, many people are affected by the economy that did not live irresponsibly, but I don’t think we should have laws to protect those that pretended that they were rich, and now karma is coming home to roost. I don’t want to hire some irresponsible deadbeat who thinks they’re entitled to things they can’t afford.
Sorry, I didn’t whine and ask for special treatment when I was working hard to get where I’m at, and I can’t feel sorry for those former blowhards now that the shoe is on the other foot. I have little sympathy for those who are accepted from jobs due to personal financial irresponsibility. Take responsibility for your own situation.
The Truth only in your eyes! We never have lived beyond our means. We are not irresponsible deadbeats. We don’t think we are entitled to things we cannot afford. And we did not bring this situation on ourselves. I would like to take your Karma and show it where to roost! Don’t sit there and type your judgment about others unless you know what you are talking about.
**Perhaps there are people out that did live well beyond their means when the economy took its big nose dive. But, they are also the one’s that might have held high paying jobs in the big corporations that are know longer one of the big players and had to cut 2,3,4,5,6 or more thousand jobs. Think about that The Truth!
Greg S. | March 2, 2010 7:31 AM | Reply
Cry me a river! Stop being so self absorbed and waiting for the government to pick you up, dust you off, and make sure your feeling aren’t hurt. If you are upside down on your house, that’s your fault, and if you are in debt, that’s your fault too. If it makes you feel better, you can blame whoever you want. Bad decision making on your part doesn’t make everyone else responsible for your mistakes. Nothing is fair in life, so just get over it already!
Greg S. ~~ No, I’m not crying a river! My God if the United States of America would have kept our jobs here in America in the first place then I would still be employed.
But, no they sent them to Mexico, Thailand, Philippines, etc. Why, to save a few bucks here and there and what they got in return is junk. My mom worked at GE building motors. They sent her line to Mexico, well guess who got to rebuild the motors when they were made wrong! My mom and the other workers in Fort Wayne, IN. Not the ignorant factory workers in Mexico. So yes I do blame the United States for not keeping jobs here in our own country. Fort Wayne, IN has lost most of Dana, General Electric, Lincoln Financial, (gone) Zollner Pistons, (gone) The Tokheim Group, (gone) Slater Steel (gone) International Harvester, (gone) Magnanox; the list just goes on and on.
Mike74M | March 1, 2010 11:18 PM | Reply
Your credit says a lot about your character. I’m sorry but if you have charge offs, repossessions etc on your credit I wouldn’t want you as one of my employees.
Wow Mike you are a smug SOB! My credit report does not say anything about my character. It doesn’t list that it wasn’t my fault the company I worked for went out of business. It doesn’t list that Fort Wayne, IN the second largest city in Indiana doesn’t have any jobs to offer. It doesn’t list that my husband, son, daughter and myself all had severe health issues in 2009. It doesn’t list a damn thing about my character at all. It doesn’t show that I’m a good, hard working, trustworthy citizen. It doesn’t state I have never been in trouble with the police. Never shop lifted, never had a speeding ticket. It doesn’t show how we juggle around the little bit of money we have. No, Mike the credit report doesn’t show anything good to potential employers. It shows them how desperate we are to find a job, so that we can clean up our credit reports. How dare you say you wouldn’t want someone with charge offs, etc on their credit report? Open your eye’s wide Mike and see how bad the economy in America is right now. The Recession is still going strong. People are still losing their homes. The job market is still tanking. Personally I hope I never meet you, because I’m sure we would never see eye to eye on anything. You must be perched high in the sky and not affected at all by what is going on in the real world. Don’t even say to me if you would have managed your money better you wouldn’t’ be in this situation. Mike how can I manage my money better, if I don’t have a job that is giving me this money to manage in the first place?
Henry | March 1, 2010 7:36 PM | Reply
This is a terrible idea. Credit histories are indeed a fabulous tool in discovering whether a person will be a quality employee or not.
Henry meet Mike, Mike meet Henry, you two are in the same boat, the same little make believe world that America is going strong and that we aren’t having any issues. You both are totally insane to say the least in your thinking about credit reports being used for a person to get a job nowadays!
JR | March 1, 2010 2:55 PM | Reply
What a stupid idea! Employers have a right to know who they are hiring. A bad credit rating tells a lot about a candidate. Sorry to be the one to lay that bit of obvious fact on you. It speaks to whether you meet your financial commitments. It gives a good indication as to whether someone is more likely to steal or embezzle.
JR this is the stupidest post that I have read tonight! A bad credit rating does not tell a lot about the candidate. It just shows they couldn’t make their payments. The credit report doesn’t say list what happen to John and Mary Doe to cause their bad credit rating. As I stated I have never stolen or embezzle anything in my life, so you need to rethink what you have wrote it was totally uncalled for.
Realist | March 1, 2010 5:14 PM | Reply
Sorry folks, where there’s smoke, there’s fire. There was time in my life when I paid bills before eating, but I knew good credit opened up opportunities. I am not rich, I was born to a family with no money, and yes, I have lost my job… never did I miss payments, knowing good credit would help set me apart. My dad is in his 70’s and never made over $50,000 a year, but has a score over 800. Yes, good credit = good character.
Gee Realist that sounds just fine and dandy. But, I won’t let my kids go without eating, not having heat, electricity, water, clothes on their back, shoes on their feet. This is a time when not just some people, but millions of Americans are without a job. My husband and I worked hard to get good credit and to keep our good credit. To watch it going down lower and lower and not be able to stop the runaway train it was on, was a total nightmare to both of us.
Also Realist we both have excellent character thank you very much!!!!!!
Thank you,
Another Hard Working American with Horrible Credit, that can’t find a job because of it. Too bad companies won’t give us a chance to explain why our credit is in the shape that it is.
I just flat out support this bill. Nothing is worse than hopelessness piled on top of bad breaks. If you’re out of work, in debt, and cannot be hired due to your financial situation, what is a person to do? How are they to raise the money to get back on your feet? Show some compassion for those that need to put food on the table, just like the rest of us and PASS THE BILL!!!
I have a sister and a sister in law that never got married,had children or moved out of their parents house.They never paid rent or utilities and guess what.They have excellent credit rating.I have a brither-in-law who has been at the same high paying steel plant job since he was 19 and has never had to look for a new job.He makes 90,000 a year.And they all think people with bad credit or laid off somehow deserve it.They just don’t get it because they have never had to go without.And they think people on food stamps or losing their homes deserve it.While they live with their parents for free in their 50’s.
Many people who say that individuals with poor credit reports, due to either recent hardship or inaccurate information (I have had my identity stolen and STILL have things on the report that I’m suing to have removed).
I wonder how many people agitating for “punishment” for such credit reports would accept having a medical screening and having their hospital information provided to a new employer, to ensure that “health care risks” who might be tempted to steal or might be forced into medical leave can be screened out. After all, high blood pressure, obesity, stress, etc. can also be framed as “a result of irresponsible conduct, mismanagement, and poor diet” and “should have consequences.”
Let’s also probe an individual’s personal relationships. Studies doubtlessly show that individuals who are unfaithful in their marriages are likely to be less loyal as employees, right? Let’s have divorce screenings for potential employees, including thorough examinations of the divorce proceedings to ensure that if infidelity caused the divorce, there are consequences for that irresponsible behavior.
I could go on and on, but you get the idea.
Ironically, the same US employers who “screen” employees out based on such ridiculous criteria also whine and complain that there aren’t enough qualified workers in the US and that they “need” large numbers of unrestricted work visas to import people from abroad.
Sorry, but if you’re able to turn down a computer programmer over the fact that he was 90 days late with a credit card payment because his son needed medical care, you aren’t in a “shortage” of talent.
>>credit scores are a surprisingly good proxy for a candidate’s willingness and ability to take responsibility for getting results
Good post, thanks
Its about time someone does something about this. And I hope- the federal law- passes soon.
If employers do not trust their employees enough that they have to do a credit check to start with- they have issues.
TransUnion would not hire me because I did not pass their credit check, granted- they are a credit company.
But still- ANY COMPANY WHO DOES A CREDIT CHECK ON A PROSPECTIVE EMPLOYEE:
TWO THINGS
#1
They should have some faith that an employee will do the job they are hired to do without concern for theft. One would think with a CLEAN CRIMINIAL HISTORY and CLEAR DRUG SCREEN- it wouldn’t be an issue and
#2
secondly- companies can prosecute theft if it theft were to happen, so what is the big deal?
Its not like said person was going to be in a role altering people’s credit records for the job in question as it were.
Not all of us with poor credit histories have horrible shopping habits- we use our cards for emergency purposes as needed- I.E. RENT, FOOD, CLOTHING.
Some of you employers LAY US OFF treat us like crap, do not follow through with your TUITION REIMBURSEMENT BENEFIT and all the other to where we have to run up credit in the first place in order to SURVIVE.
Plus:
Even if we wanted to pay off the debt, how can we- when some employers- won’t even hire us? Its asinine and ridiculous.
Some of you corporations need to get some morals and compassion to yourselves. You want to sell products, you want people to BUY BUY BUY SPEND SPEND SPEND, but when it comes down to it- you want to take without giving back in some cases.
Credit is just- that- credit. There is a reason it gets erased in 7 years as it is. Its a risk just as any ticket broker takes- and you know it.
Credit checks WERE being used as an “excuse” not to hire you, and now they are REALLY becoming an excuse and unfairly. Next time a manager or HR person sits down with someone, they should remember their own jobs are being held by nothing but a thread
I hope people who think it’s OK for your employability to be based on personal credit lose their jobs and fall behind on their bills and then see how hard it is to get another job themselves. They they will wind up in the very predicament that they appear to favor so much now.
I very much adore facebook’s new “like” button. Want to be able to “like” anything you want? Check out this site, it does exactly that: http://www.fbliker.net