Good Credit being a job requirement.....

[Broke Wave]

This is the stupidest logic ever. It's like mufukka my credit fukked up cuz I ain't got no job thats why the fukk I'm tryna get this job, to fix my fukkin credit


Don't that shyt make sense???

 

[DaChampIsHere]

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.

 

[Rayzah]

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.

Being an IT federal contractor. DHS did this to me when I was like 25, I passed the interview and accepted the offer and I already had a secret clearance. But none of that mattered because i ran up a few CC and had student loans from when I was in school and they after like 4 months they denied me. also this job was like double what I made so I could have easily fixed my credit with the new income..

 

[Two Stacks]

this is standard practice now. i dont mind it.

i know my credit is good, i watch it like a hawk.

 

[JasonSJackson]

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.

example: a tech support IT position......how does that logic translate to this position.

You're right, this isnt like Jim Crow laws.......its worse then them. This law is designed to discrimate an entire class of society, irregardless of race. A persons whose family is finiacially stable can and will get financial assistance from them during rough financial times thereby making it possiable to spend money on things outside of essentials. So because a person, who comes from a family that cannot provide that type of finicial support, has to neglect certain nonessential bills during rough financial periods of their lives u really feel that this should be held against them, for ANY job, when determining if they are the right person for the job?

 

[JasonSJackson]

this is standard practice now. i dont mind it.

.

ur a sucker, id expect you to say nothing else

 

[Binary]

Depends on the field.

 

[No_bammer_weed]

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.

Im sorry fam, but this is idiocy. Its like these employers think they're God now and they're letting us into heaven, so in order to enter and pass judgement our whole lives are subject to review..."well, I see here that you went to detention in the 4th grade. EXPLAIN THIS!!!!!!!!!"

Its not enough they go through your criminal background and check past employment history --- now they need to comb through, personal financial transaction history? Sht is getting retarded

 

[JasonSJackson]

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.

says the sheltered suburban kid who probably still gets money from his parents

 

[thegreatwb]

example: a tech support IT position......how does that logic translate to this position.

You're right, this isnt like Jim Crow laws.......its worse then them. This law is designed to discrimate an entire class of society, irregardless of race. A persons whose family is finiacially stable can and will get financial assistance from them during rough financial times thereby making it possiable to spend money on things outside of essentials. So because a person, who comes from a family that cannot provide that type of finicial support, has to neglect certain nonessential bills during rough financial periods of their lives u really feel that this should be held against them, for ANY job, when determining if they are the right person for the job?

That's a good one because I can't think of any reason why a tech support position would require good credit. I personally believe that more companies are adopting these policies to cut down on the applicant pool. Back when the unemployment rate was the highest, lots of people were applying for a small number of jobs. I'm guessing that if a HR manager was looking at 2 people with the same qualifications and same GPA, credit score would be the deciding factor. It sucks because I'm sure all those executives at Enron had good credit too.

 

[JasonSJackson]

Just went to a professional conference where they discussed how many top level people committed and justified financial fraud because they believed their personal financial situation combined with their lack of compensation 'entitled' them to additional shavings of money here and there. It happens, from the wealthy to the poor.

It is not just in the financial industry, any company that has personal and confidential bio data info on people is also encouraged to conduct checks as part of their fraud prevention practice. Selling people's identity goes for a lot of profit, and online fraud rings are the hardest to track down and the easiest for a dumbass employee to get caught up in.

This is a risk of doing buisness.....to completly disqualify a segment of society based on the actions of a few is discrimanation.

 

[JasonSJackson]

. I personally believe that more companies are adopting these policies to cut down on the applicant pool.....

im sure they were using this logic too when they were basing it off race......

that doesnt make it right homie......

the main problem is how accepting people are of this discrimination...........thats why they are able to do it

 

[Toe Jay Simpson]

For a few jobs it actually makes sense. For example, I worked for a collection agency that did a credit check on us once a year and talk to you if they saw you way off from where you were before. They wouldn't actually come out and say it, but it was heavily implied that it could cost you you're job

But the idea behind that with them was, if you're talking to people about paying bill you number one can't be a hypocrite about it, and number two can't think it isn't really a big deal not to pay them

But some of these other jobs...I had to have a credit check done on me for a supervisor position as UPS. Like I'ma be up in there stealing out of people's boxes when you got average joes that don't even get a criminal background check actually putting them in the trucks. It's mostly done as a legal discriminatory practice like other people in here have said.

 

[HoustonHeat]

This is a risk of doing buisness.....to completly disqualify a segment of society based on the actions of a few is discrimanation.

I'm a hiring manager. I don't completely disqualify, but with certain positions of power (say, a compliance officer), I wouldn't hire if they have dismal credit. If they are in the 600 range and have superb reputation and work experience, and I know other people in the industry who can vouch for them, I might just advocate for them with HR.

I do believe that the national credit system itself is a little screwy, but I've also had my credit card stolen twice from different companies' employees. These call center and customer service positions have a LOT of access to confidential info, and trust, with all that turnover, a good portion is misusing it.

 

[DaChampIsHere]

Im sorry fam, but this is idiocy. Its like these employers think they're God now, and they're letting us into heaven, so in order to enter and pass judgement our whole lives are subject to review..."well, I see here that you went to detention in the 4th grade. EXPLAIN THIS!!!!!!!!!"
Its not enough they go through your criminal background and check past employment history --- now they need to comb through, personal financial transaction history? Sht is getting retarded

I'm just saying breh.

I don't agree with it for all employment positions, but I can't deny that it says something about your character. There's a reason you won't co-sign a loan for someone you has bad credit: They aren't a trustworthy but they damn sure will front and act like they are though.

says the sheltered suburban kid who probably still gets money from his parents

I really don't (minus health insurance). I'm sure you'd give your kids the world when you can/if you could though so don't knock it..

My credit is in fairly good condition. And I pay all of my credit related bills myself.