Good Credit being a job requirement.....

[winb83]

the employee hiring process is mostly bullshyt anyway. a bunch of hasty generalizations made off random minor things.

 

[Field Marshall Bradley]

Whoever thinks that credit is an extension of character has life fukked up and is under the age of 24 with no life experiences under their belt.......

Character having resolve when things get tough and how you treat people from whom you have nothing to gain...Period

Character has nothing to do with you missing some CC payments to Bank of America cause you got laid off and your APR went from 3.9 to 19.99%

 

[winb83]

Irrelevant. You justify the practice by framing it as a character issue. Being brought up in a den of criminals and debt ridden fiends could potentially affect your character in a negative manner.

We need to be checking report card and conduct grades as well.

you aren't responsible for your relatives credit reports you are however responsible for yours. just like you're responsible for your drivers record and criminal record.

many employers do wanna know your GPA as well. that's not a universal judge of character here either but we're generalizing here and when people generalize there are often many casualties of those generalizations that don't apply.

 

[Nemesis]

I think it says something about your character if you have bad credit:

- You spread yourself too thin
- Decision making skills aren't that great (if you aren't good with your own money...)
- Irresponsible
- Not good at planning

There are many exceptional cases though.

Its stupidity....I had a low credit score because I never had credit cards, borrowed money or leased a car...this is because I never needed to because I was sitting on a lot of cash

I had to jump through hoops to get my mortgage and I had to drop a large chunk upfront because of it.... very silly

 

[The Nigerian]

the employee hiring process is mostly bullshyt anyway. a bunch of hasty generalizations made off random minor things.

The moment an employer asks for your GPA, credit score, or makes you take a non-work related assessment RUN.

You DO NOT want to work for that company.

 

[thegreatwb]

So a employer's logic is if the person has good credit, he/she is less likely to take a bribe, even though I'm only paying them 28k a year

In some circumstances, yes. Their logic is that if you have bad credit, chances are that you owe a lot of people a lot of money. To some, a credit score is a measure of integrity and whether or not they can trust you. Back when I was in the military, I issued ID cards for a short time. I had people offering anywhere between $50 to $500 for me to make them a fake military ID. They used excuses such as wanting to get a ID to get base privileges. I never did it and it had nothing to do with my credit score. I didn't do it because I knew that if I got caught, I would most likely end up in prison.

 

[Dirk Diggler]

You would have to give an example of a job that doesn't deal with money but does require a good credit score for me to take a stab at it. Off the top of my head, I know that some local police, airport screeners, and a lot of government jobs require that you have good credit. It should be pretty obvious as to why they could think that these people would take bribes.

This isn't like Jim Crow laws. This applies to everybody. I knew a white boy who tried to be a cop when he got out the military. He had a clean record and a honorable discharge but he had stuff on his credit. They told him to re-apply once he cleaned up his credit.

The govt is especially like this and when you start processing for a clearance they want to know all of that. They dont want to risk you being in a position of sensitive information and telling all the secrets for a little cash to get out of debt. To them you are a liability and they will disqualify you for it....

 

[CrimsonTider]

credit delinquency is borderline theft. its borrowing money and not paying it back. if i borrow $5000 from a person you know and never pay them back and you're hiring for a job and you find out i know them and ask them are you gonna hire me?

maybe i lost my job and couldn't pay them back but if they tell you yeah i know that dude he's a deadbeat that never paid me back you'll still consider me for the position.

i understand people get in fukked up situations but if you borrow money you can't pay back or won't pay back regardless of the reason you're a deadbeat that skipped out on a debt.

next we'll be saying you shouldn't check people's criminal records because maybe they robbed a corner store to feed their family. nobody really cares about the circumstances if you fukk up in life it dooms you to fukk up status.

Do you realize the biggest crooks like Schrushy, The crooks at Enron and Madoff Had perfect credit?

Do you realize the biggest cause of bankruptcy in this country is healthcare

 

[winb83]

Whoever thinks that credit is an extension of character has life fukked up and is under the age of 24 with no life experiences under their belt.......

Character having resolve when things get tough and how you treat people from whom you have nothing to gain...Period

Character has nothing to do with you missing some CC payments to Bank of America cause you got laid off and your APR went from 3.9 to 19.99%

so does a person that intentionally buys a bunch of shyt they can't afford then skip out on the bill have high character? i'm not saying its universally accurate to judge character off credit reports. there's always gonna be collateral damage in generalizations and the employee hiring process is a giant generalization mash up.

how about a person that's just flat out irresponsible and ends up skipping out on payments because they can't properly manage their money and end up being broke when all they had to do was set a budget and follow it?

 

[The Nigerian]

If Al Qaeda targeted HR professionals I'd grow my beard back and convert to Islam.

 

[CrimsonTider]

What kind of qualified person gets laid off from a job with good reviews, but can't find another job ANYWHERE?

Like I said, there are exceptions (medical expenses), but I think most people's problem with credit is a lack of good choices in spending.


Nope. I've always had jobs and my own income since I was 15. I actually turn down money from my parents.

You act this is not a regular occurrence in the economy were are in

There have been plenty of companies downsizing, going bankrupt and firing people on minimal notice.

What do you think a high unemployment rate is?

It's more people fighting for the available jobs.

 

[Atlrocafella]

I work in banking and they had to run a credit check on me, obviously I was coming out of school so all I had was student loans and 1 credit card..

But I agree with most, you really have to understand the circumstance of each persons situation.

 

[Field Marshall Bradley]

credit delinquency is borderline theft. its borrowing money and not paying it back. if i borrow $5000 from a person you know and never pay them back and you're hiring for a job and you find out i know them and ask them are you gonna hire me?maybe i lost my job and couldn't pay them back but if they tell you yeah i know that dude he's a deadbeat that never paid me back you'll still consider me for the position.

i understand people get in fukked up situations but if you borrow money you can't pay back or won't pay back regardless of the reason you're a deadbeat that skipped out on a debt.

next we'll be saying you shouldn't check people's criminal records because maybe they robbed a corner store to feed their family. nobody really cares about the circumstances if you fukk up in life it dooms you to fukk up status.

Very bad analogy

I wouldn't be able to write that 5k off or sell the debt to a collector now could I?
You should pay back money you borrow but your example is not the same as not paying back a credit card company

 

[CrimsonTider]

so does a person that intentionally buys a bunch of shyt they can't afford then skip out on the bill have high character? i'm not saying its universally accurate to judge character off credit reports. there's always gonna be collateral damage in generalizations and the employee hiring process is a giant generalization mash up.

how about a person that's just flat out irresponsible and ends up skipping out on payments because they can't properly manage their money and end up being broke when all they had to do was set a budget and follow it?

Stop acting like you don't know how credit score works.

If you miss a payment by a day it affects your credit, Someone makes a mistake it affects your credit, you get your identity stolen it affects your credit.

Credit score is not some infallible system used to properly determine how good people are at managing money.

Credit Score is damn near the BCS of Real life

 

[Tyuhnjko]

I think it says something about your character if you have bad credit:

- You spread yourself too thin
- Decision making skills aren't that great (if you aren't good with your own money...)
- Irresponsible
- Not good at planning

There are many exceptional cases though.

Above is what they are looking for.

If you have had bad credit for a number of years, it shows that you are irresponsible and unreliable.

I can understand if you lost your job and can't pay your bills during your length of unemployment. But your credit has 7+ years of history and if you have never been a responsible person, it shows there.

Why would anyone hire an irresponsible person? You can't trust some a$$hole who can't pay the minimum ($25) payment on his Best Buy card (on time), to show up for work on time.

People forget that owning a business is the owners main source of income. If they hire a fukk up, you will then fukk up his income. The owner of that business has bills and a family to feed too. Running your credit is the only way they can determine if you are responsible and can be trusted not to mess up their money.

Now if you don't have any credit at all.. then they can't tell anything about you... but neither can lenders.. so catch 22 I guess.