Good Credit being a job requirement.....

HoustonHeat

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Do you hire based solely on the person's credit score or do you take into account their number of delinquent accounts? Theoretically, a person could have a low credit score and a high to debt to credit limit ratio while still not having any bills over 30 days late.

Delinquent and default, even if default was cleared
 

DaChampIsHere

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A standard 10 year Service rep at a company like AT&T makes about 35-40k, learning the skills in that field don't really help you in the general job market. That's the downside to a specialized white collar work force. The skills usually aren't transferable.
Not to mention, you lose a job because of cuts the compition has been doing the same thing. So the jobs at the companies that WOULD have hired you have no jobs to place you in.
Lastly, the biggest issue is that qualified people can find jobs but its a matter of finding one that will allow you to maintain your bills. You can't expect someone to go from 40k down to 21k and expect them to maintain their current bills....
The shyt is simple economics. And most people financial hardships in the past few years are created from forces outside of themselves. This isn't the 90's anymore, getting up and walking down the street and finding a job...that time in America is done.

But how much a month is this person saving? How much a month are they spending? I think we all could guess that your average person with bad credit, doesn't do much saving and doesn't spend properly. If people lived in more modest fashions they wouldn't have bad credit. If you been workin' at a place for 10 years, you should have at least been able to save a good amount of money up to ease that transition in lifestyle until things get better or you learn another skill set.

If you are working in a position which has an expenditure account, where values are exchanged, where you deal with products that have a monetary value attached, etc. how can someone trust you with their money and finances, when you can't even be trusted with your own? Like I said, I don't agree with it in most cases, but I completely understand it.

I think Americans are the only people who find it impossible to not over indulge in life materialistically. You can pay your rent+bills and live on about 30/week for food. I've done it plenty of times. Americans feel like they "deserve" more so they'll overspend.

Is it hard to have good credit?
It really isn't. Get one credit card, make small purchases, etc.

I do think the fact that you HAVE to have a credit card in this country is ehh, but that's what it is.

:pachaha: 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.
I think companies probably consider that. But that wouldn't explain why you have a big ass past of bad credit and that's why it's important to not over extend yourself on stuff you don't need in the first place. People can look at your resume and see when you stopped working and correlate that with your credit history. I can see in the case of people with businesses, medical expense, kids who got fukked over, etc.

If people lived more modestly all around though, they wouldn't have these problems though. Not just for a job's sake, but for character purposes period. Why are excessively spending what you don't have? :heh:

shyt, 100% of the people in here sticking up for the people with "bad credit" wouldn't be caught dead co-signing anyone, let alone anyone below 500. And we all know why. :heh:
 

Red Omega

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Agreed, stupidest fukkin thing there is.

Had a scare with this with my recent job, background check said they would check credit, driving history, education, all that..

I have horrible credit, I was like :merchant:

Then she told me they were only gonna check criminal, :whew:
 
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There is nothing to explain. A man of great wealth I am. A man of squalor he is.



Psalm 37 verse 21
The wicked borrows and does not pay back, but the righteous is gracious and gives
.

It's all right there, yet the arrogant ignore and complain.

Well played......

Let's put this in the proper context though

This scripture is referring to those that are wicked whom can repay but will not, as opposed to those who want to repay but cannot.

Righteous difference there
 

Poppa_Dock

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thing is though some people are in WILD debt therefore there is no other way to slice it other than they are incompetent and dumb as fuk
 

BlackElitism

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Well played......

Let's put this in the proper context though

This scripture is referring to those that are wicked whom can repay but will not, as opposed to those who want to repay but cannot.

Righteous difference there

:myman:

You are incredibly wrong. The wicked live by borrowing. You can only give after you have sought god and he has replenished you.
 
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:myman:

You are incredibly wrong. The wicked live by borrowing. You can only give after you have sought god and he has replenished you.

Disagree pleighboy :birdman:

The wicked are wicked because they reject GOD, not because they borrow to live.

Everyone is redeemable. Plenty of so called wicked men were secretly GOD's favorites...

This topic is for another thread though
 
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