I would like to know what you all think about people getting jobs judged on their credit. There are many reasons that a credit can go bad example: sick family member,divorce, injury,ID theft even people are finding that bringing proof and explainations to these doesn%26#039;t help get the job. I can see back ground checks for criminal acts but a credit report come on world get a life
What rights do employers have to judge on credit report score?
Well, if these extenuating circumstances exist, you should mention them. Explain yourself.
As a prospective employer, I am interested in your character. I am interested in what kind of a person you might be. I want to find out if you live responsibly. I want to find out if you live within your wage. I want to find out if you have judgments, charge offs, delinquencies, repossessions, foreclosures and the like.
If you have numerous issues, you might be distracted at work. If you are desperate, you potentially won%26#039;t think or act clearly in performing your duties.
Everyone seems to want to discount the importance of paying cash, living with their means, saving money for unexpected events, acting their wage and behaving themselves. Everyone wants to live like Paris Hilton and not have to pay for their sins.
Stupidity isn%26#039;t a defense in the real world.
What rights do employers have to judge on credit report score?
As a confident, highly-skilled, prospective employee with a credit rating in the upper 700s, I will actually refuse to work at a place that has such a Draconian policy. It%26#039;s similar to having a spouse who screens your cell phone records and e-mails to see if you%26#039;re cheating. Report It
What rights do employers have to judge on credit report score?
Employers usually do credit checks in situations where they are afraid a potential employee might be vulnerable...if their credit is in poor shape, they are worried the employee might be more suspectible to people trying to bribe them. Like it or not, money management skills tell employers a lot about the potential employee.
There%26#039;s room in every credit report to put your own personal statement - you can write a little essay on why your credit sucks, and that goes a long way towards explaining the situation to a potential employer.
I doubt the average employer%26#039;s credit standards are that high - my boyfriend has horrible credit, and he got his job (complete with required credit check) with no problems at all.
What rights do employers have to judge on credit report score?
I%26#039;m not sure why an employer would request a credit report on an employee, unless the employee would be handling large sums of money or have access to financial accounts.
I could understand, for example, a bank being reluctant to hire someone who is in a great deal of debt or who has a history of financial irresponsibility.
But I agree that the employee should have an opportunity to explain their report, and their history be taken into consideration.
What rights do employers have to judge on credit report score?
Steve P. is right on with his answer. An employer may also be checking credit in order to screen for potential embezzlers. Someone who owes a ton may be tempted to take what is not theirs if put in a position to.
If you have a troubled credit history, be up front about it. To not say anything makes you look dishonest even though you may just be embarrassed over the situation.
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