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Pre-Employment Credit Checks Eliminated From Many States

Updated on August 5, 2016
Patty Inglish, MS profile image

Ms. Inglish is an award-winning Employment & Training pro with regional records and tens of thousands placed into gainful employment.

Credit checks for employment are gradually being eliminated in the United States.
Credit checks for employment are gradually being eliminated in the United States. | Source

Financial Discrimination is Possible via Credit Checks

Credit checks can be discriminatory within the procedures used for pre-employment investigations. This leads to still further financial hardship for those who cannot pass the scrutiny.

These financial-based background checks angered increasing numbers of the long-term unemployed American 2000 - 2013, especially in the aftermath of the Great Recession with its layoffs, downsizings, government bail outs, Stimulus Funding, and more.

Pre-employment credit checks, except for federal government, banking and financial services businesses, and similar should be eliminated.

Analysts have consistently found, from examining many corporate employment records across the country, that a personal credit history containing problems does not correlate with financial/material dishonesty on the job or with poor overall job performance (see the link and videos below for references).


Analysts have consistently found, from examining many corporate employment records across the country, that a personal credit history containing problems does not correlate with financial/material dishonesty on the job or with poor overall job performance

— P. Inglish

US States That Eliminated Pre-Employment Credit Checks by 2016

Pre-employment credit checks are no longer legal in the following states, except for certain financial institutions, defense employers, or similar:

  • California
  • Colorado
  • Connecticut
  • Delaware
  • Hawaii
  • Illinois
  • Maryland
  • Nevada
  • Oregon
  • Vermont
  • Washington

Individual cities that passed legislation banning credit checks for employment citywide:

  • City of Chicago
  • New York City
  • City of Seattle, Washington has outlawed employers in the city from using criminal records found in background checks as a reason to deny hiring job candidates as well.

Mobile Health recommends all businesses to use an employee screening program to attract only the best talent. Credit checks are not vital.

—; 2013.

US States That Took Action To Begin To Eliminate Credit Checks in Non-Financial Employment Prior To 2013

  • In the Northeast: New York, New Jersey, Connecticut, Vermont, Maryland, Pennsylvania.
  • In the Midwest: Michigan, Missouri, Ohio, Indiana, Illinois
  • In the South: Florida, Georgia, Kentucky, South Carolina
  • In the South/West: Texas, Colorado, Arizona, New Mexico, Nevada, Arkansas
  • In the West: California, Oregon, Washington, Montana, Nebraska

Click thumbnail to view full-size
Homless family walks from Phoenix to San Diego in hope of gaining employment in The Great Depression (US 99. Near Brawley, Imperial County). Unwarranted credit checks feel like this to the serious job seeker.
Homless family walks from Phoenix to San Diego in hope of gaining employment in The Great Depression (US 99. Near Brawley, Imperial County).
Homless family walks from Phoenix to San Diego in hope of gaining employment in The Great Depression (US 99. Near Brawley, Imperial County). | Source
Unwarranted credit checks feel like this to the serious job seeker.
Unwarranted credit checks feel like this to the serious job seeker. | Source

Professional Opinions from Workforce Experts

  • America’s Economic Comeback Requires Qualified Candidates for the Job | Virtual-Strategy Magazine -- "As America turns the corner of the recent economic slump, the Dept. of Labor shows that businesses are hiring. Mobile Health recommends all businesses to use an employee screening program to attract only the best talent. Credit checks are not vital." (Reference: Retrieved 4/15/2013.)

Employment Related Bills Pending in Florida’s 2012 Legislative Session: Senate Bill 102 and House Bill 303 will prohibit employers from directly or indirectly using a job applicant’s personal credit history as a hiring criterion, except where required by law.

—; 2012

January 2012 - New workplace rules cover credit checks, social media. Ventura County Star - California employers and employees have a variety of rules to learn with the enactment of new laws that cover

  • credit checks,
  • dress codes, and
  • social media.

More than 120 business owners, managers and human resources officials gathered to examine the matter and its possible results.

Possible Proxies for Employment Discrimination

In certain states, some companies may be advertising in their job postings that "The unemployed need not apply." A number of agencies have posted that their opinion is that this is also discrimination and EEO actionable.

SB 1045 - Job Applicant Fairness Act

NOTICE: Another Tack

In certain states, some companies may be advertising in their job postings that "The unemployed need not apply." A number of agencies have posted that their opinion is that this is also discrimination and EEO actionable, because unemployed applies more frequently in the 2010s to "older workers", "minority race workers", "physically and mentally challenged workers", and perhaps even "female workers." Thus, "unemployed" in this case is a proxy word for "minority."

Iliinois Governor Signed Law to End Pre-Employment Credit Checks- August 2010

Proxy for Other Discriminatory Options

It is not legal in a job interview to ask where the job candidate lives or with whom, unless the candidate is a minor child. Asking these questions of any adult gives the interviewer some information about the demographics of the job candidate, none of which is to be asked or exposed in the job interview according to labor law/EEO.

A home address is subject to search on a number of real estate company websites and county property records, revealing the average property prices, rental prices, and incomes of local residents. The address can also reveal the ethnic and faith mix of the area, found on Sperling's Best Places. It reveals the percentages of single and married people in the area, educational levels, and other data. Except for educational level (dates not allowed to be asked), all of these questions are illegal.

At least 25 US State Legislatures in 2010 and early 2011 prepared bills with which they planned to ban Pre-Employment Credit Checks in order to end financial discrimination and allow more people to secure employment. Credit checks in these states were considered unfair to laid off workers, those with high medical bills through no fault of their own, and people that lost their homes in the US mortgage and banking disaster of the late 2000s. There is some evidence that suggests that financial discrimination also targets lower-income workers of color and ages over 40 (laid off/downsized). Pre-employment credit checks can, therefore, function as a proxy for discrimination on the basis of income, ethicity/race, and age.

Another, newer, credit check problem is the growing number of people targeted for Identity Theft and its results.

Congressman Steve Cohen testified at a House Financial Services Subcommittee

Credit-Check Lawsuits and Precedent

Individuals applying for promotions in their careers have reported across the Internet that when they checked their credit histories, they found unexpected information. Their employers had run credit checks on them during the period of interviewing for the potential promotions. These individuals felt violated.

Lawsuits have been pressed against credit checks in the following cases:

Loudy Appolon filed a class action suit (Reference: against the defendant University of Miami and the Leonard M. Miller School of Medicine, stating that these institutions ran credit checks in a way that discriminated against African American and Latino job applicants.

The plaintiff was hired by the schools, quit her job at another university in Miami FL, then was told she could not be hired by the U of M facility, because of her poor credit report. The report was mistaken, she had it corrected, and she was still not hired by U of M. She seems to feel that the credit report reason for non-hire was a proxy for her demographic as African American. Thus, the class action suit (some of the allegations were dismissed by the court in March 2011). This is one of the cases that sets a precedent for Credit-Check Discrimination.

Additional lawsuits of this nature have been filed against such companies as the following, although ruling results are not complete:

  • Freeman, a Dallas convention and corporate events planning company
  • Kaplan HIgher Education Corporation


© 2011 Patty Inglish


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    • profile image

      Cathyp 3 years ago

      I am so angry here in Philadelphia PA I was employed by a company that was in the twin towers they opened an office in Philadelphia it was a computer hardware, software sales and repair business.I was getting paid very well as I was the office Manager and these employers were the best employers I ever worked for.They all died in 9/11 and we lasted a few months but since the funding came from our coorporate offices we could no longer get payments for our job or pay anyone including the bills. We thought that we would go to New York and find out what happened it was a long time before we could get to ground zero to find out they all died.I was making a very good income so I had several credit cards and living a good live stile never expecting this.I tried to find a similar job with the similar pay but for some reason I was never given the opportunity.I had to work two to three jobs to try to make ends meet in humble jobs because every time they would run a background check my credit check was not good.I try to explain to the people that I was trying to survive with three jobs two part

      t ime jobs and one seasonal jobs.This would only provide for what I needed not for paying student loans and credit cards and medical expenses because I would never get any medical on the part-Time jobs I was getting paid 10.00 and hour or 9.00 and hour and just praying to God that things would get better and I could find a good job as I have a bachelors degree and I still owe students loans.I am so sad to report that I have worked in Non profits expecting to get a good job at least 35,000.00 a year and the most that I have gotten paid is 12.00 an hour. I would work these jobs hoping it would open a window to something better but all I got was contract jobs and temp jobs.After serving in Americorps for just a stipend I thought that maybe this would help me resume look good( and I love to help people) I am 54 years old and it is 2013 going on 2014 I do not owe as much in the student loan but I still owe credit cards.I am hoping that something will turn up before I retire that can get me back on my feet because now I have two grandchildren that I am caring for as well(providing for).I called one of the collection agency in tears asking them if they could hire me and they could charge the money I owe in the very check that they are paying me but I could not get a deal going.I later found out in the n on profit agency that they turned me down because the person who is HR worked once for one of the banks that i owe (Credit Card) as she ran a credit check. How am I ever going to pay if no one is willing to take a risk in hiring me hey I want to pay i do not have the money I do not make enough.

    • Patty Inglish, MS profile image

      Patty Inglish 3 years ago from North America

      In at least 25 US States as of December 2013, credit checks for employment are becoming or already illegal.

      In an at-will employment State in America, without a contract with the employee, an employer could do just about as he pleased; but credit checks for jobs and promotions are becoming illegal, causing grounds for lawsuits.

    • Patty Inglish, MS profile image

      Patty Inglish 4 years ago from North America

      Exactly so. Hopefully, many more states have outlawed credit checks.

    • KatNance profile image

      KatNance 4 years ago

      Why is credit history of any relevance to the potential of a job applicant? are WHY r they trying to make it even harder to work..I know someone thats a police officer..he has GREAT work history..but wouldNOT hire him base on his credit..He has kids,,HOW is a Family supposed to make it and now hes living ON THE STREETS

    • profile image

      Mr Richard Lum 4 years ago

      I live in England/United Kingdom and it has made my life a living hell over the past few years e.g, being rejected for working in a bank for having debts back in 2010. Currently in the process of trying to get a good job and guess what the pre-employment check is still in progress nearly a week after passing my interview for the job. I think this type of discrimination is totally unnecessary and immoral and it has probably contributed to my current depressive state which I would like to say has been stabilized by medication from a doctor! I think more emphasis should be on people who have committed crimes and much much less on someones credit history. These laws in my eyes are criminal and they are damaging the lives of otherwise healthy, intelligent and hard working individuals.

    • Marble Sweets profile image

      Marble Sweets 5 years ago

      The fact that this hub has so many comments shows what an immense problem this is in this country right now, and how so many people, including yours truly, feels discriminated against with these credit checks? Why is credit history of any relevance to the potential of a job applicant? I never, ever will get that...And yet, if you don't sign off on the form giving the employer the right to check your credit, you automatically don't get the job. Like so many have already said here, it isn't right! Steph in South Carolina

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I am extremely sorry that happened to you Jenna!

    • Jenna Pope profile image

      Jenna Pope 5 years ago from Southern California

      In 2003, my credit was checked when I applied for a job. I was going through a messy divorce at the time. So my credit was not up to par. I didn't get the job.

      This was a very informative article! Voted up!

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      The credit record problem is worsening, and I am hearing it from all around the country. Credit checks just don't turn up what many employers think they do. For instance, one large company here received an excellent credit report on a woman that embezzled huge amounts of money.

      Gulf Coast Sun - Even though parts of Florida have a lot of job listing, people don't seem to be getting hired. Senior Citizens are getting hit financial in ways they never expected. Best wishes to you.

    • Gulf Coast Sun profile image

      Gulf Coast Sun 5 years ago from Gulf of Mexico

      Thank you for a wonderful and informative article/hub. Living in Florida, which is in such a depressed job market and housing market has thrown many of us into the unemployment lines, thus losing our homes. There are no longer classes of people: rich, middle class, and poor. Now it's the rich and the rest of us. It would be helpful if those of us in the situation, who worked for 40 years, put kids through college and ready for retirement, can have our credit scores redefined as not bad credit, but rather as "economy-poor-due-to-market-problems."

    • profile image

      Melissa 5 years ago

      Even as an Accounting and Finance person, I don't think my credit should be considered. The issues with my credit are not necessarily due to decisions I've made. They are due to extenuating circumstances, that I regret, that would never enter into decisions I would make for my company. I have bad credit. Yet, if I find a penny laying in the change machine - I turn it in. I'm not unethical or crooked or any of those things. I've been naïve and made mistakes. I'm great at my job, and I always put the interests of the company first. I don't want to be discriminated against either.

    • Brandym2012 profile image

      Brandym2012 5 years ago from PA

      Thank you for sharing this hub! With all the talk about foreclosure's and bankruptcy's in the media the past few years, why would they even consider taking that route. Maybe a law needs to be put in place on this issue. Just don't seem fair to our hard workers, considering the big people in power are behind the economical disaster.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I am very sorry all that happened to you. These credit checks can cause tremendous havoc and unnecessarily so. Additional notices of legislation in other states shows up on Google and Yahoo, but it seems slow going still.

    • Lisas-thoughts101 profile image

      Lisas-thoughts101 5 years ago from Northeast Texas

      great hub. Very discrimatory. I am glad to see Texas as one of the states ending the practice. My son was the victim of a violent crime and was in the hospital for three months hours from our home. I was off work 2 days a week driving back and forth. I had the time off work, the medical bills and the high credit card bills in gas and lodging. Credit turned to mush. Then my boss of 11 years died and I suddenly had to look for a job. It was horrible. And almost impossible with the credit check and a deceased reference because of a single shingle law firm. I finally took a job that is way under the pay scale I was making. Hopefully this will mean I can work my way back up.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      A big ladies and gents clothing mfg and dist. concern in my city was doing these checks QUARTERLY for several years on existing employees. Their resulting staff turnover was very high without good reason.

    • Hady Chahine profile image

      Hady Chahine 5 years ago from Manhattan Beach

      Great article! Pre-employment credit checks, with few exceptions, is a total invasion of privacy and absolutely discriminatory. What's next…annual credit checks for existing employees? Good or bad credit does not define a person's ability to perform their job description effectively and efficiently.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I feel that is it usually an invasion of privacy, unless perhaps done for an armored car service or a bank.

    • TotalHealth profile image

      TotalHealth 5 years ago from Hermosa Beach, CA

      Great hub! I totally agree. The majority of credit checks for employment purposes are completely irrelevant to the job description. Unless a person is being consider for a senior management or accounting position, in which their decisions impact the health of the company or have direct access to money, then this requirement should be illegal. ~ It’s invasion of privacy.

    • leros003 profile image

      leros003 5 years ago from Orlando, FL

      Thanks for the info! This will definitely be an interesting year for politics, especially with the upcoming presidential election.

    • divyananjappa profile image

      divyananjappa 5 years ago

      A friend was (and still is) on unemployment for over a year, he maxed his credit cards while taking cash advances out to pay for his car payment and insurance.

      He thought he would find a new job within six months.


      So after maxing his credit, and no job in site (Michigan has a horrible economy,) he was left with facing foreclosure, maxed out and late credit cards, and bad credit.

      Now each employer he interviews with wants to run background and credit checks.


      Chicken or the egg.

    • ThePelton profile image

      ThePelton 5 years ago from Martinsburg, WV USA

      Cloverleaffarm, you mentioned divorce. My Mother divorced my Father when I was sixteen, and he left with the credit rating she had worked to build for the both of them. He quickly ruined that rating while Mother worked her way up from nothing like she was just graduating again.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Excellent advise that looks into the underlying strata, cloverleaffarm. Thanks for helping us with the conversation here.

    • cloverleaffarm profile image

      Healing Herbalist 5 years ago from The Hamlet of Effingham

      I agree with Peter Lumetta, credit scores are a Scarlett letter that many don't deserve. There are so many circumstances that come along in life, where you are thrown off course. Major illness is one that can put you in ruin. I would think it horrible not to hire someone because their wife had been ill. It is not due to their fault.

      Or how about the women who is divorced, and her credit score was ruined by her husband. It is her fault? No. But, she would find it hard to find an apartment, or a job if she was only looked at as a number.

      As a past employer, I looked at references, not numbers. If you worked hard, it was not my business what you did at home.

      I know I hate being rated as just a number. It is an unfair practice that should stop. More people would be able to work.

      And to nadejshda , why not hire an accountant with a bad score. His score does NOT reflect his work. I could reflect the fact that his wife underwent chemo, and they lost everything. Or perhaps he went through a divorce and it didn't go well. This divorce does not reflect his intelligence to do the work, it just means he had a lousy lawyer.

      One should not judge others. You never know when you will be in their shoes, and someone will be judging you by a number.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Feels like it, doesn't it?

    • ThePelton profile image

      ThePelton 5 years ago from Martinsburg, WV USA

      I can understand that some employers would like to thin the ranks of applicants if they have but one job, and a hundred applications. However, I have been running out of money, and I need work, and I'm wondering where all this is leading. First our credit rating, then our twitter accounts. What next, prostate exams?

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      If Republicans support the concerns of business more than they do other groups, then they would likely want to allow businesses to examine job candidates in any way possible. I want fairness to both sides, employers and employees, but credit checks are not related to work ethic or results in the largest majority of cases. That's all there is to that.

      NOW THEN, If I knew a job candidate uses dirty language, sexist slurs, and hate language; and arranges drug deals and murders on Twitter, then I don't want that person attempting to work for me. Actually, I don't want that person around me and I won't have them around me, so I make sure I am not an "employer" of others than volunteers at this point. What's in the heart comes out the mouth and the lie that character and behavior are separated and not related must be extinguished.

      As for me, I speak and act the same no matter where I am, online or off, so I would have nothing to hide, but passwords to Twitter and FB are really no one's business and can lead FAST to ID Theft!

    • ThePelton profile image

      ThePelton 5 years ago from Martinsburg, WV USA

      Recently, I read that the Republicans in the Colorado State Legislature voted AGAINST making credit checks illegal in job applications. Keep that in mind on election day! I also heard the other day that some companies are asking for access to an applicant's TWITTER account.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I like the way some dental practices choose new employees as technicians and assistants. They try out each candidate that looks good and has a good interview, giving them a full day's work experience with pay. The best one on the floor with the most productivity and people skills wins the job. No credit checks.

    • profile image

      mikeydcarroll67 5 years ago

      Hopefully this goes a ways towards helping us that are struggling. I feel like I have to lie to employers about my credit history and that isn't right. Maybe this is a step in the right direction towards helping to get the economy back on track.

    • profile image

      khmohsin 5 years ago

      That was a great Post. Please keep writing because I love your style of Post.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Thanks for that good information! We are making progress.

    • profile image

      PWalker281 5 years ago

      Hawaii is another state that bans (with exceptions) pre-employment credit checks.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      The sooner it ends, the better! Thanks for your experiences, PWalker281.

    • profile image

      PWalker281 5 years ago

      It's good to know this trend in pre-employment credit checks is slowly ending. I remember applying for a job with the Fed. gov't and being asked on the application about my credit (e.g., past bankruptcies, moneys owed the IRS). I was shocked to see it as I had worked in Federal EEO some years prior and felt it was not only discriminatory but an invasion of my privacy and had nothing to do with my ability to perform the job. Of course, I wanted the job and answered it anyway. That was about 20 years ago. If that happened today, I would probably refuse to answer it, even if it meant not getting the job.

      Thanks for this informative hub. Voted up, useful, and interesting.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      It seems to be a menu of things that get in the way, right? Thanks skinsman82000.

    • skinsman82000 profile image

      skinsman82000 5 years ago from Frederick Maryland

      Anything that can prevent potential employers from discriminating against you is a plus in my book. America has in the past always been known as a place where you can make something of yourself out of nothing. It's been going the other direction for a while. This is a step in the right direction. Now only if they could abolish having a 4 year degree and 8 years experience for an "entry-level" job.

      Great article. Voted Up.

    • Express10 profile image

      H C Palting 5 years ago from East Coast

      This is an informative and useful article. It is not uncommon to find that employers use credit checks as a reason to discriminate, lower the number of applicants who will actually be considered (decreasing their workload), and as a way to simply nose around the job applicant's life and habits. Many positions require credit checks even where the applicant will not have access to money, confidential info, or financial information.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      That is exactly right. One cannot battle on forever in a dead situation. My best to you!

    • profile image

      Beachelf 5 years ago


      That may have been it. I had my college diploma, transcripts from school, and references from colleagues, employers, and parents of students. Apparently, not good enough. At some point you have to say, "enough" yourself.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      A private family? They must be afraid of a person pretending to be a tutor in order to get into the home and steal. Incredible.

    • beachelf profile image

      beachelf 5 years ago from Virginia

      So, anyone know if Virginia has banned this? I know Geico does credit checks. And I had a private family refuse to interview me to teach their Autistic son because I wouldn't sign off on a credit check. Pretty soon, you'll have to post it on your front door or they won't deliver your pizza.

    • profile image

      nikashi_designs 5 years ago

      Perfect Hub full of great information and one that is of great concern to most of us. Never understood why a credit check was necessary for employment. With this knowledge it might be wise to get some kind of credit alert set-up. This would be beneficial for two reasons pre-employment checks and identity fraud. Regardless great information.

    • The Corniwhistler profile image

      The Corniwhistler 5 years ago from Kansas City Metropolitan Area

      Thanks for this information. I'm currently out of work and my credit's been a worry of mine. I look forward to follow up.

    • GoGreenTips profile image

      Greg Johnson 5 years ago from Indianapolis

      Good Hub! This is a great thing, companies have increasingly infringed on the rights of the citizens and it frankly just isn't right.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      It's something old about good people never having money problems, never getting sick, never being stalked, never getting divorced, etc. - a set of myths used conveniently when needed.

    • RJ68 profile image

      RJ68 5 years ago from Memphis

      I just do not believe that poor credit history is indicative of work ethics...I am not sure where the concept came about but it is discrimination.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      All very good points. Every time credit is checked, this check appears on the credit report and can be very hurtful if a dozen employers check and do not hire the person. Checking credit leaves bad credit records!

    • imatellmuva profile image

      imatellmuva 5 years ago from Somewhere in Baltimore

      I am a strong advovcate against credit checks on employees and/or potential employees. Credit criteria is subjective, and company's who are not reviewing a credit report for the purpose of lending, have no right to information contained in a report, and further lack the qualifications to review a report.

      Even if a credit report is reviewed by a lender for a loan, each lender's credit criteria is different. The same is true for an employer, or potential employer.

      Some employers don't understand that multiple inquiries on a credit report, are because people are seeking employment, opposed to establishing credit. Too often folks are denied on this basis alone. AND even if an employer understood this; a credit report still should not be a part of a job review process.

    • Marcy Goodfleisch profile image

      Marcy Goodfleisch 5 years ago from Planet Earth

      Very interesting hub, Patty - thanks for sharing the information. Voted up and interesting.

    • profile image

      askme 5 years ago

      Now...if employers will actually follow these new laws. Checking someone's credit is a relatively new thing in the last 10 years. When I started working in insurance back in the late 1970s, I cannot recall any employer checking my credit. Plus I've always thought someone with bad credit obviously NEEDS a job and thus would probably work much harder than co-workers who have stellar credit. Hope employers will abide by the law.

    • girlgonestrong profile image

      girlgonestrong 5 years ago from Plymouth, MI

      I'm glad that this will be done away with. We can leave the minority thing out of it. Credit checks still should not be the basis of employment. Seriously. You might have been looking for a job for months and the little bit of coin that you have dries up and you start missing payments. Now that you have a job, things can get back to normal...but can't GET a job because of the dings on the credit report? Makes zero sense.

    • Marla Neogra profile image

      Marla J Neogra 5 years ago from Parkersburg, West Virginia

      Thanks for this posting. I was turned down for a job 8 years ago because I had a bankruptcy in my past. I was the most qualified for the job and the only one with an active top secret clearance so could have started immediately. Guess they had to wait a couple of months to get someone else in the position. I can understand anyone's frustration in this situation and am glad you brought it to the forefront.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Additional states have introduced new bills to stem the tide of unnecessary credit checks for employment in January 1012, including Florida.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I hope readers report in with more states that have passed the legislation to disallow these credit checks. Thanks for commenting!

    • Angela Kane profile image

      Angela Kane 5 years ago from Las Vegas, Nevada

      Good, I could never understand how ones credit history determined what kind of employee a person would become. This was very discriminatory and did not make any sense. I thought this was just another way to not have to hire people they didn't want to hire for "other" reasons.

    • teachertalking1 profile image

      teachertalking1 5 years ago

      Thanks for sharing such informative material! I've believed for some time now that credit checks are a blatant violation of privacy, and am happy to see that many states are making them illegal.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I'm sorry to hear all those things happening to you, but you have good spirit! I hope HubPages is providing some income for you - best of luck and success!

    • David Warren profile image

      David Warren 5 years ago from Nevada

      Great hub Patty! I've been out of work for awhile, not related to the economy but due to multiple surgeries. Rather than do nothing I prematurely accepted an at home job for Alpine Access that I enjoyed but wasn't physically up to at that point. I barely got through their credit check prior to being hired on. Now that I have been out of work longer I know I would not make it thru their credit check now and I doubt that my outstanding service would mean a a hill of beans. Tough times indeed. I think my only chance in life is to recover fully enough to return to my original job I had prior to my surgeries as they know I didn't become unemployed due to the economy. Tough and unfair times indeed for all.

    • Rusticliving profile image

      Elizabeth Rayen 5 years ago from California

      Excellent Hub Patty! It's scary to think that you could be passed up for a job you need to pay off your credit debt because you have credit debt! Talk about your "Governmental Oxymoron!" What ever happen to the "Good Ol' American Integrity" of the workplace??

      Definitely voted up and informative!

      ~Lisa RusticLiving

    • Melanie Gladney profile image

      Melanie Gladney 5 years ago from Pennsylvania

      Excellent hub. This "Big Brother" mentality of checking into citizens' backgrounds is positively archaic. I can understand companies wanting to protect themselves, but for a person who fell on hard times and desperately needs to turn his/her life around, such measures could mean never rising above one's unfortunate conditions.

    • LoriSoard profile image

      LoriSoard 5 years ago from Henryville, Indiana

      Great hub. Perhaps a person with bad credit is attempting to get a better job or second job to pay off debt. I am glad for the elimination of credit checks. I think it is an unfair practice and none of the employer's business. The only occasion I can see where it might be important is if an employee is handling the company's money.

    • kxdorey profile image

      kxdorey 5 years ago from Beverly Hills, California, USA

      Awesome hub. I think that part of the problem is the government is always regulating this. It may seem like a good idea at the time but it prevents free markets. Just look at the bank bailouts which will cost the average citizen $50,000 in taxes in their lifetime. Not spending that money is economic recovery for most people.

    • moonstruck4ever profile image

      moonstruck4ever 5 years ago from somewhere in upstate New York

      I just found you and will be following!

      Very informative! Thanks!

      Voted up!

    • Daisy Mariposa profile image

      Daisy Mariposa 5 years ago from Orange County (Southern California)

      I read somewhere that if you have less than outtanding credit, and there's a good reason for it, you should be pre-emptive and explain it in the job interview.

    • teenboyproblems profile image

      teenboyproblems 5 years ago from Nebraska

      Awesome hub. Thanks!

    • profile image

      Mopsy 5 years ago

      We all could be one paycheck away from homelessness. It is so very sad and maddening at the same time that this is actually allowed to happen in this country. Why are companies even allowed to do this is beyond me. I hope that the practice of credit checks is stopped once and for all. Next thing you know a person will be denied healthcare due to bad credit.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      -- like the president and vice president making their IRS returns public each year.

    • gabgirl12 profile image

      gabgirl12 5 years ago

      If its for public service however I think credit checks should stand. For the most part because if you are working for the public it's important to lead and live by example. I can accept that, as working as a public service to me is a priviledge of serving, not just a job.

    • TropicalSnowAngel profile image

      TropicalSnowAngel 5 years ago from Orlando, FL

      Very informative! I am glad to hear that this is being looked at, especially now that so many are running into financial difficulties. I will say that for anyone looking for a job in the defense industry who may require security clearance, there will ABSOLUTELY do a credit check. Poor credit history is seen as a potential security risk. I guess they figure you may be more easily paid off to give up government information.

    • GClark profile image

      GClark 5 years ago from United States

      Voted Up! Very informative and timely article. Makes you wonder how many top qualified people aren't hired because of a credit check. No matter that they had top credit previously with property ownership and impressive employment history. Even if a state makes it illegal to use the credit check it would be easy for a company to base a decision on that without anyone knowing. Talk about hitting someone when they are down! Keep up the great writing. GC

    • jaywigz311 profile image

      jaywigz311 5 years ago from Orlando, FL

      This hub is very well done. How is someone supposed to fix their credit if they can't get a job to begin with, and the fact that employers eliminate job applicants due to unemployment is ridiculous.

    • Chef Joel profile image

      Chef Joel 5 years ago from International Chef

      Amazing hub very interesting and helpful

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Thanks very much, Will1015. I bet the credit monitoring service could be expensive and hard to cancel from credit card charges.

      A friend had quarterly credit checks done by a credit/collections call center of a company that owned a dozen leading clothing chains. He felt that the company feared workers might steal credit card numbers. The company was sold a few years ago and I do not know of the ongoing credit checks are still done. I think it would be a lot of pressure put on workers.

    • Will1015 profile image

      Will1015 5 years ago from Brooklyn

      In my experience with "free" credit checks, I had access to credit scores from all 3 major credit bureaus. But, I had to sign up for a 14 day trial of the credit monitoring program - which automatically starts charging you monthly if you don't cancel.

      On the topic of pre-employment credit checks, I was once denied a job as a customer service rep at a call center for AT&T. Their explanation was that individuals with bad credit are more likely to be desperate for money, and therefore more likely to steal from the company. That was about 5 years ago when the unemployment rate was about half of what it is now, and not as many people were bad financial situations. So maybe there was more truth to their argument back then, but now there are lots of honest, hard-working people who are struggling financially.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      it is my hope that pre-employment and after-employment credit checks be eliminated coast-to-coast, although I can understand them in banking.

      Another thing that seems wrong is that you can get a free credit report yearly, but it contains no credit score. You have to pay additional for that. Has anyone else met with that situation?

    • RGNestle profile image

      RGNestle 5 years ago from Seattle

      I really liked the information you used here. I have been denied work on numerous occasions due to my credit score being used against me.

      When I was starting out, I had a terrible credit score and I couldn't get work in the banks to which I had been applying. Of course, I didn't find this out until later when I requested my credit score after being denied a credit card.

      It's amazing that three separate, secret systems of turning a person's financial life into a set of three digit numbers can dictate where a person can work and what a person will pay for insurance. What does a person's credit score have to do with how healthy they are or how well they drive. It's insane.

      I am so happy that it's being done away with.

      Keep the great Hubs coming. Your fans will keep reading!

    • uniquearticlesbuz profile image

      uniquearticlesbuz 5 years ago from USA

      Great Hub, Thanks for this useful information.

    • kcamp01 profile image

      kcamp01 5 years ago from Anniston, Alabama

      Thanks for this information. Ironically, when you lose employment you potentially face financial strain which will decrease your credit score at a time when you need employment the most. I have always questioned this policy.

    • Sanford Rainey profile image

      Sanford Rainey 5 years ago from Maryland, USA

      How do you do it hub after hub after hub??? Amazing.

    • Womble profile image

      Womble 5 years ago from Suffolk East Anglia

      As I read more and more of this, I am appalled by all that has been going on. Frankly I am glad I am British and do not live in the USA for it strikes me as a merciless place to live and earn a living. What worries me that the Senator who is probably a democrat, will lose his position if and when the Republicans get in and they could not care two hoots about anyone.

    • sharewhatuknow profile image

      sharewhatuknow 5 years ago from Western Washington

      Credit checks are an extremely unfair way to gain "insight" of an individual.

      Suppose that a person lost employment and couldn't pay their bills due to severe injuries suffered in a car accident? This did happen to me back in 1995. Up until then, I had excellent credit with GMAC, Suzuki, MasterCard, Lowes, JCPenny, etc...

      And in one day, that all was lost. In that time I never did file bankruptcy, but my husband of almost 5 years has file bankrupty 3 times, before we were married.

      Now married to him, always wondered how that would affect me with credit checks, since we live in a community property state.

      Thanks Patty for making me feel a whole lot better!! Voted up and useful.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      MikeNV - Scary stuff! Thanks for your hair-raising experience.

      A friend of mine set up auto-payments from their checking acct. for a credit card. Then the credit card company called his wife and got her to write ANOTHER check. Unscrupulous as can be and negative credit reports even though always paid on time.

      Hillbilly Zen - Thank you so much for visiting here. I love your phrases! America is supposed to be a land of opportunity, but it is also a good place to starve to death. Thanks for your insights!

    • Hillbilly Zen profile image

      Hillbilly Zen 5 years ago from Kentucky

      What an eye-opening Hub! Since Kentucky is an "at-will" employment state, I've dealt with some of the most reprehensible hiring practices there are, but I had no idea that a credit check was among them. Thank you, Ms. Patty, for this very useful information. This line from another Hub of yours really frosted my flakes - 'the company management felt that the workers had nowhere else to go and were "stuck."' They've got us over a barrel and they know it, but armed with knowledge like you've shared here, maybe we can fight back. Voted up, awesome and useful!

    • MikeNV profile image

      MikeNV 5 years ago from Henderson, NV

      It's very easy for any company to report you to a credit Bureau. And they do NOT have to prove anything. The burden of Proof is left on the Consumer.

      Case in Point: I Called T-mobile to cancel my service years ago. At the time I was fully paid on the account. T-Mobile had my credit card number on File and continued to bill me. I called them and told them to stop. They did not. I filed a claim with my Credit Card company and had the charges reversed.

      You would think that would be enough right? Wrong. AFTER this they sent my account which was paid in full to collections.

      I contacted the 3 large Credit Bureaus and provided them with my Credit Card Company reversal decision and they have still refused to remove the charges.

      I told them they need to contact T-Mobile to prove that I used services which I did not.

      To this day it's still on my Credit. And the Credit Bureaus do NOT care. Trying to contest these charges is a nightmare. The Credit Bureaus give you maybe 2 lines to write. No way to provide proof. So you have to do it through the mail. I did all of that and still no results.

      The credit Bureaus do NOT want to help you. It's nearly impossible to get ahold of a real person.

      Corporate America WANTS PEOPLE TO HAVE BAD CREDIT because they Profit from it. The worse the credit the higher the interest rate. And Corporate America is making a lot of extra profit by screwing over the masses.

      So it is very important that people try not to give anyone their credit cards for auto billing, and try not to use them at all if possible.

      I would bet that if an audit were done of the Credit Bureaus we would find that there are error on more than 80% of all records and these errors are NEVER in favor of the Client.

      Furthermore the Credit Bureaus sell Credit Scores to consumers but the numbers they report to consumers are DIFFERENT than the numbers they report to lenders. It's a total scam. Credit Monitoring is another Fraud.

      The Federal Government REQUIRES that these reports be made available at no cost once per year. There is only one website you can do this on... The one the Government REQUIRED them to set up. It's Annual Credit Report dot com with no spaces.

      This is the only FREE way to contest your charges online.

      And while I believe the States are well intentioned and this is good news in relation to hiring, I do not believe that large corporations will stop the practice until there is a massive lawsuit. It's like driving 60 in a 55 zone, the law doesn't matter until it's enforced.

      Excellent hub... as usual. Voting up.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Charles - News reports state that is is law, but call your state govt or the local labor board to find out for 100% certain.

      GoGreenTips - I agree.

    • GoGreenTips profile image

      Greg Johnson 5 years ago from Indianapolis

      Great Hub! Well researched and written. I think it is totally inappropriate for companies to do credit checks, its has no basis for how well a person will do at their jobs. In today's world it's hard to find anyone that can keep up with the costs of everything anyway.

    • Charles Webb-it profile image

      Charles Webb-it 5 years ago from Edmonds,WA

      So is this now illegal in Washington state? has it been passed into to law?

      thanks great Hub!!

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Charlie - Experiences such as yours add reasons for pre-employment credit checks to be eliminated in this country. Thank you for telling us about your situation.

    • profile image

      Charlie 5 years ago

      I have been victimized by pre-employment credit checks - here is my story -- I worked for a large company for over 10 years, got "reduced in force" (laid off) in 2008 -- started my own business with my wife, ran into some financial issues and got behind on some payments, which resulted in credit blemishes. We ended up closing the business down when we realized were chasing debt and not generating enough revenue. So, I went back to my old company, gained an interview, aced it, and was offerred a job "contingent on a credit check and criminal background check". Criminal background check? No problem - but a Credit check? Well, long story short, I did not pass their criteria for good credit. When I asked what the criteria was, they said nothing. Now, this is such an obvious example of discrimination, but here in NC they say it is not. So what happens now that I can no longer secure my old 100K salary at my old company? I look for another company. But the same pattern persists from job offer to job offer - "Can't bring yo on board until you pass our credit criteria". "What's your criteria?", I response. How can I meet a goal without knowing what the goal is? Is it an 800 credit score? Never had it, never will. I ended up in fast food making $12 bucks an hour wondering where my life went....a far cry from $50 bucks an hour...I feel quite discriminated against.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I'm not an attorney, Stephanie, but Arkansas does not look to be one of the States in which pre-employment credit checks have been eliminated yet. I'd suggest a free telephone consultation with a local labor or employment attorney to see what you can do.

      From the credit reports I've seen, I'm guessing (don't know for sure in your case) that the bank was possibly focusing on the amount of total debt you have, how large your monthly payments are, how many creditors you have, whether you requested any accounts to be closed or whether any creditors closed your accounts, how many creditors accessed your credit file to see if they could benefit from offering you new credit accounts, etc. You could ask the bank's HR dept. but I do not know if they will tell you specifically.

      Let us know what you find out, if you'd like to do so. Best of luck to you!

    • profile image

      Stephanie 5 years ago

      I live in Arkansas and I recently applied for a teller position with a bank. I was laid off in July and can't find a job for anything. The bank turned me down due to information in my credit report. My credit score is fine so I'm not sure what the bank's problem is. I want to know if it is legal for them to turn me down for employment.

    • profile image

      SanXuary 5 years ago

      Being a financial advisor is irrelevant and so is any other job. If you do not have a job, try a divorce or how about a three year old daughter with cancer. Money is not your value in terms of what you know. I spared close to a thousand dollars to help others this month and that is not anyone's business what I do with my money. Especially, some employer who thinks they own me and my life like a slave.

    • iain-mars profile image

      iain-mars 5 years ago from United Kingdom

      good hub. i can see both sides of this argument, as an employer but also as a human being who can emphasise with people looking for work. pre-employment credit checks could potentially be singling out people that could otherwise be excellent employees.

      of course if you're a financial advisor, you really should have a squeaky clean credit record but i almost struggle to see the relevance to many other careers...

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Thanks to everione that is posting comments here. Awareness of the issue and some outcomes is a good thing. I have known a few people whose credit was stalled and even ruined by the death of a spouse where joint accounts were frozen. Some accounts were seized for bills the surviving spuse new nothing about. Some surviving spouses had to declare bankruptcy.

      I have received messages from a just a very few employers that feel that even these unfortunate spouses I mentioned above must be deadbeats, dishonest,and potential theives. This is very sad. A good credit check does not guarantee good work habits, productivity, or honesty. A state college here had a case of an official that had good credit checks and almost 40 years of good work history; but she embezzled many thousands of dollars a few years short of retirement age. A non-profit ni the state fired and prosecuted an embezzler, but the person passed a good credit check and was hired by a govt agency - what's up with that? He did make resitution, so - second chance?

      Thanks for all the comments. I am sensing that oreand more workers are angry about credit checks and a number of employers are becoming angry with not being able to check out job candidates as much as they would like.

      A deli owner in NYC I knew never took inventories or logged in amounts of food items purchased. He wondered why he was losing money. Food was going out the back door. You know, there are safeguards employers can use - like doing inventories and tracking deliveries. And we have so many surveillance camers watching us these days!

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Oksanaivanova - Thanks for reading and asking your Question. Can you give me links to a few blogs where you might post the translation? I'd enjoy viewing their content and love to read Russian.

    • mitowrite profile image

      mitowrite 5 years ago from Austin, Texas,USA

      I had no idea this was happening! But I guess since I haven't been working that long. Thanks for the info!

    • Oksanaivanova profile image

      Oksanaivanova 5 years ago from USSR

      We have the same problem in Russia. I'll translate it and post in different russian blogs (if you are not agains of it). Very useful and exiting theme. Thanks.

    • HrtsMakeFamilies profile image

      HrtsMakeFamilies 5 years ago from Independence, Kentucky

      I'm so glad to hear that they are making this change. I know several people that were turned down for jobs because of credit issues. I didn't think that was fair especially in the economy that we are in. Great article.

    • Karen N profile image

      Karen N 5 years ago from United States

      That's great news! To me it really seems like discrimination for them to be able to check your credit report in the first place.

    • Mamba79 profile image

      Mamba79 5 years ago from Los Angeles, CA

      I believe that pre-employment credit check should be banned. A person's personal finances especially if it was influenced by divorce, health, lay-off, etc, does not mean the person can not perform at a specific job. If you are a computer programmer and have the necessary skills to complete your job then what you did with your personal finances doesn't matter. Maybe he was young bought a house and market crashed. Does that mean the person can't excel at his new or current job?

    • profile image

      SanXuary 5 years ago

      This is really only the beginning of what needs to be done in protecting are privacy in order to prevent discrimination and unfair hiring practices. Currently many home renters and even companies think they are entitled to make insane demands into your privacy. I recently had a cell phone company claim that to valid Government Identification cards was not good enough to get a phone but that a bank stement was. I told them where to go with their phone.

    • profile image

      lavender3957 5 years ago

      This is a great hub. I have had my credit viewed by a landlord who wanted to rent his house. My credit did come out good, but he also did a background check, which was fine, but the reason I did not rent the house because he said he wanted to rent to people with good credit and background history and would not rent to welfare recipients. That was rude and disrespectful. I could not figure out why my job needed a credit check. This does not affect my abilities to perform my duties.

    • 2besure profile image

      Pamela Lipscomb 5 years ago from Charlotte, North Carolina

      Thanks God they are finally doing something to strike down this terrible law that discriminates the people who most need jobs! It is about time! I always said, this law assumes that because you have pad credit that you can not be trusted. When the truth is it is the white collar folks who are doing all the manipulation and stealing.

    • profile image

      rstlawre 5 years ago

      @Tales From Tami...I would contact your States Attorneys General Office and let them know what's happening. See if they can provide any information. I would also give them the Company's name. I know in Massachusetts when a complaint is placed, the Attorney Generals office calls the company to investigate. Good luck in your search.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      You're a role model for some other job seekers, Tales From Tai. We hope the credit checks will be liminated fomr all employment activity. I've haven't seen any stats that correlate low credit score to low job performance or high dishonesty on the job.

      I am wondering if there is any iota of research out there to correlate low credit score with higher health risk, based on stress or anything else? I have not heard of such.

      This move to not hire the unemployed in some cities and to not hire people with lower credit scores make some job seekers verbalize feelings of the fed govt wanting them to move to other countries or even to die.

    • Tales From Tai profile image

      Tales From Tai 5 years ago from New York

      I really don't know the answer to Temp agencies and their policies. I'm just a little baffled because I truly thought that in NY they weren't suppose to run credit checks anymore? The only thing that may allow it is that the corporate is not in NY and quite possibly can follow the state it originates from. Who knows. I'm not giving up. I keep hitting road blocks after a while my skin will become too thick to break-down. Onward and forward. :-)

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      This is a disturbing problem for many job seekers.

      Do Temporary Employment agencies also request credit checks? I've not spoken with them for a couple of years.

    • Tales From Tai profile image

      Tales From Tai 5 years ago from New York

      I return to this hub with great frustration. Recently I decided to try and get any job at this point. Finances are truly becoming a big issue for my family. We are now in danger. So I've been filling out applications at local area stores and they have you sign a page stating you allow them to run a back-ground check. I don't have a problem with that. It is a reasonable request. What I didn't like is that the background check also included a "Credit report" well yet again I was told that I am a great candidate but I have a very low credit score and therefore I am a liability. Seriously! I smiled at the interviewer, shook-hands, left and when I got into my car, I cried. I mean all I want to do is work and it seems like I'm being forced into poverty.

    • Xenonlit profile image

      Xenonlit 5 years ago

      Well done!I thought that those employment credit checks were going too far, but it certainly took long enough for something to be done about it!

      If a person has no criminal record, then everything else, including their personality profile, should be off limits.

    • GinaCPocan profile image

      GinaCPocan 5 years ago from Chicago

      Nice Hub Patty. Credit Checks for employment is ridicules. You can't pay your bills without a job; if you don't give them a job how will they pay them? Financial delinquency is irrational way to weed out the bad from the good workers, and it has been said, a way to discriminate against certain types of people and its wrong.

    • Rose Frankie profile image

      Rose Frankie 5 years ago

      nice info hub

    • Pamela99 profile image

      Pamela Oglesby 5 years ago from United States

      Very interesting hub and timely topic.

    • SafetyEquipment profile image

      SafetyEquipment 5 years ago from South Florida

      I don't have an issue with credit but I could see how this benefits a great amount of people.

    • amithak50 profile image

      amithak50 5 years ago from India

      Great post..Thanks

    • kellysgirl profile image

      Mrs Campbell 5 years ago from Atlanta, GA

      Great Hub Patty, and adds fuel to one of the regulations in the President's new bill, making it unlawful for employers to bar the hiring or consideration for employment based on a job seekers unemployment status. What a ridiculous practice.

      How can employers advertise that "the unemployed need not apply"? Especially in this economy, where a disproportionate number of mid-level jobs are being eliminated, leaving a huge dent in America's middle class status.

      Thanks again for giving me something to ponder this morning.


    • htodd profile image

      htodd 5 years ago from United States

      Thanks for the great post..Nice

    • profile image

      rstlawre 5 years ago

      @Mcham Law...Please educate me a little further regarding "credit checks" and "long haul employment" because I'm not seeing the direct correlation there. I do know that ones work history appears on their credit report however, it's not always current. Are we that lazy or over-burdened that we couldn't make a few phone calls to previous employers regarding longevity? In my opinion it would certainly be less intrusive. By the way, if we think all that HR STUFF stays safely locked away, think again. I was recently employed by a major corporation (over 300K employees) and know first hand (from a fellow associate) that the file drawers in the HR department are not always shut and locked. P.S. Patty I think this is an excellent topic and your knowledge of it is impressive. Thanks

    • Artin2010 profile image

      Artin2010 5 years ago from Northwestern Florida, Gulfcoast

      Excellent post Patty, wow you got a lot of feedback on this one. Credit check for employment? Who ever heard of such non sense, outragious, ludicris. Thank you for sharing. Hope you are well and joy is abundant! Arthur

    • AUPADHYAY profile image


      very nice, very informative.

    • jyoti2929 profile image

      jyoti2929 5 years ago

      thanks its very useful.

    • thoughtfulgirl2 profile image

      thoughtfulgirl2 5 years ago from East Coast

      Great informative hub, thanks for the information

    • crystolite profile image

      Emma 5 years ago from Houston TX

      This is a good written Article. Your hub is definitely an eyebrow lifter.I will check back on it.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Any test that gets at any sort of mental health condition - even short-term depression (sadness) over a pet's death, is illegal in many states. It is illegal for a company to give you this type of test and then broadcast you're sadness, or anger, or anything to others.

      Illegal: MMPI (Minnesota Multiphasic Personality Test, Rorschach, TAP, DAP, Bender, Wechsler, and many others. 16PF may be OK. A math and reading test CAN be required.

      I don't particularly trust the WalMart test and the Myers-Briggs does not work on me.

      There are some good, inexpensive, short, quick vocational quizzes that help job seekers decide what type of job they may enjoy and do best in - and what will burn them out. I like those.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I've administered and designed tests for 20 years. Personality in legal and job worlds means only a "set of behaviors" and that's all. Sensible well-tested questions can sometimes get at a person's good qualities for a job, but not always.

    • GlstngRosePetals profile image

      GlstngRosePetals 5 years ago from Wouldn't You Like To Know

      Great Hub and it's sad that they do credit checks for a job. Not only do jobs do credit checks but I see more and more out there also doing a personality test as well. How can you tell a person's personality by a questioner? Your hub is definitely an eyebrow lifter and makes you wonder what's this world coming to?

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      The ploy to not interview the unemployed is not working in Central Ohio. Perhaps this is because we have many people moving out to Florida! Jobs are open and need filling.

      Best wishes to all of you that have commented!

    • Womble profile image

      Womble 5 years ago from Suffolk East Anglia

      I think it is appalling that these people should say, unemployed need not apply. This is complete contradiction to their aims as well as improving their credit rating. It is like the old days when people bought cars and told they can have any colour so long as it was black, and also if you saw something without a price which inferred that if you had to ask, you could not afford whatever it was. Not only is it totally infantile but cruel and nasty.I know these sort of things go in and out of fashion but I never imagined we would go full circle like this. It is time the world grew up and showed some feelings of kindness and consideration

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America


      I have hired two accountants in the recent past. Both had very good credit reports, which they supplied but I did not request. One person was honest and the other was a crook that embezzeled and was caught.

      In addition, the accountant for a major company owned by a friend here had an outstanding credit record and stole $100,000s and many products. Caught and charged.

      Verified research shows no correlation between credit history and job performance whatsoever, although intuitively I expected that it would.


      Having had friends and employers that owned rental properties, I would never own one becuase of non-payment and damages.

      On the other hand, one employer was a slum landlord that rented with unsafe wiring and other elements not up to code. As a lower duplex tenant rose from her couch to begin dinner, the filled bathtub from the upper duplex came through the ceiling onto her couch. The landlord did pay legally, however, for many infractions.

      Owning and operating a business can be difficult and expensive and many owners find they need to get out of the ir business. Overall, credit histories are not applicable to job performance; but, criminal recorda and performance on past jobs are applicable. Unfortunately, most previous employers will provide only dates of work and pay rate.

    • KeithTax profile image

      Keith Schroeder 5 years ago from Wisconsin

      Your hub is interesting, Patty. As an employer adding four new employees this fall I should point out that each employee will cost my company $100,000 or more the first year. These costs include wages, payroll taxes, benefits, and training. Knowing I will invest over $400,000 in these new employees, I am very careful in the selction process. The employer's number one goal is to make a profit or they are out of business. Once you include overhead and other expenses, a new employee must generate over $150,000 for the employer to remain solvent. With the price so high, background checks are a necessity. Of course, if the job is low pay, the outlay is less, but I find it hard to believe an employer can spend less than $50,000 per employee per year.

    • jblais1122@aol profile image

      jblais1122@aol 5 years ago from Kansas City, Missouri, USA

      Or, nadejshda, it may indicate that a person has had to make choices that reduced their income, become layed-off, or suffered catastrophic losses of one sort or another.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      I find that rental property owners often agree with you and are very angry.

    • nadejshda profile image

      nadejshda 5 years ago

      Would you hire an accountant or a financial manager with a bad credit rating?

      I certainly would not. Having bad credit usually proves that you are either incompetent with money or that you are a dishonest person.

      There are a lot of people that don't feel obligated to pay what they owe. I have rented to some of them. I have people that owe me as much as several $1,000s. When they don't pay the rent I still have to pay my mortgage. People don't care about consequences, but the real world has them (even if Obama's fantasy world refuses to acknowledge that there are any and makes things worse for every one.) I think that employers have the right to check their employee credit because every employer takes on a huge risk when they hire someone new. Why hire a financially incompetence or dishonest person if you don't have too? It seems like a law meant to downgrade the intelligence of any business owner. If they pass the same law regarding tenants and rents , you can expect real estate prices to fall by another 50% along with wages in this country!

    • CBM1987 profile image

      CBM1987 5 years ago

      Its a horrible feeling, I have bad credit most of it comes from the economy and its failure... I went to college as gas prices rose, I could no longer fill my tank up on minimum wage to drive the 130 miles to the college. Forced to quit my job and my College education and look for work closer... The only work I could find was minimum wage and it was enough to scrape by, never enough to pay off any debts I owed. That just gave my credit a very bad hit. After a while, I finally got a cdl and a decent pay.. not a great one and have been correcting my credit issues. However Credit Checks have failed me immenently in securing jobs. Which also made me wonder (how does one fix their credit, if one cannot get the job or pay to do so by denial because of his credit)

    • profile image

      wilpri 5 years ago

      Wow. I think it's appalling that your credit would be checked and certainly appalling that the unemployed need not apply. What horrible perspective on humanity. I've been self employed for over 15 years, thank god, apparently, because I am only now correcting my credit history (TYVM). I seriously believe that if I were hiring, I would be able to make intelligent choices without caring what a person's credit history looks like, as would I try to hire the unemployed. This is sick! (in a bad way)

    • jblais1122@aol profile image

      jblais1122@aol 5 years ago from Kansas City, Missouri, USA

      I found this article to be Right-On! I have been un-employed for a little over a month. I have applied for a multitude of positions recently. Many have responded that I don't meet their minimum requirements. I have the back-ground, the experience, and the credentials. I also have a poor credit rating. I can come to no other reason for not meeting the minimum requirements than my credit history. I have secured a position that I am happy with, and will start shortly. I would be extremely happy to see credit reporting gone from the application process.

    • Mcham Law profile image

      Mcham Law 5 years ago from Round Rock, Texas

      absolutely amazing stuff. I completely agree with everyone that finds this distasteful but on the other hand looking at it from the employer's side they want to make sure they are investing in employees that are going to be there for the long haul. I can see an argument for why a credit check could make sense from that side. Not that much different from a criminal background check. After all you may have made stupid mistakes when younger that got you a criminal history and that could affect you in the future when you apply for a job.

      not saying it is right, but just a little food for thought.

    • Becky Swift profile image

      Becky Swift 5 years ago from Southampton

      I agree with Womble, as i have a friend who has just qualified as a Architec and now he cant even find a job, so what gonna happen when they strat doing credit checks.

      I know when I was younger I made stupid mistakes but now is that gonna affect me in the future when i might have to apply for a job? silly really what has the world come to? : /

    • ftclick profile image

      ftclick 5 years ago

      They will probably still do it illegally so it is good to have a credit monitoring service.

    • Womble profile image

      Womble 5 years ago from Suffolk East Anglia

      I have been reading this article and comments with some alarm. What rights do employers have to ask about interviewees credit history. I live in the UK and I can only hope that this idea does not come over here. There is a horrible feeling of Big Brother about this - certainly George Orwell was a man ahead of his time where this is concerned

    • Kari Winchester profile image

      Kari Herreman 5 years ago from Ontario, California

      Thoroughly and effectively communicated content. Compelling insight. Thank you for writing!

    • profile image

      Hazel Tarr 5 years ago

      Hello - I just happened to see the caption to your Hub this evening and the timing could not have been better. I remember when this first started and the argument was that if a person is having financial difficulties, there could be the potential, if this person were hired, that they would attempt to "steal" from the company. Considering the dire circumstances most of the middle-class is experiencing currently, giving a fair shake to those in need would be more humane! Corporate America may well be on its way to imploding.

      Looking forward to reading more of your Hubs!

    • Cagsil profile image

      Cagsil 5 years ago from USA or America

      Hey Patty, when I first heard about employers doing credit checks on new applicants, I instantly said it shouldn't be allowed, because it could possibly weigh against the individual and actually present information which had no baring on them as an individual. If the report is wrong, then the report would do more damage than good. I told all employers that they should not do a credit check on anyone who applies for a job and I was told to mind my own business, and if and when I run my own business, then I could do what I want then, but until then, I wasn't to get into it. I found that a bit unfair, but wasn't much I could do, except to spread the word to people. Writing Congressmen or women, really doesn't solve much, because many of them are already in the pocket of business and their lobbyists. Great hub!

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Thanks for the comments. Call or write your congressmen and senators and sk them to stand against credit checks for employment and car insurance.

    • galleryofgrace profile image

      galleryofgrace 5 years ago from Virginia

      This reminds me of the time many years ago when I applied for housing to a program that was supposed to be helpful. I was turned down because of a bad credit history. I was younger then and I told them exactly what I thought! If I had good credit why would I be applying for low income housing.I'd just go buy a home! But I didn't say it nicely.

      Auto insurance companies do this too.

    • Wayne Orvisburg profile image

      Kenneth Wayne 5 years ago from Alabama

      This is great news! I've been screaming about this for a long time. It's amazing how a short lapse of bad luck or a poor decision is able to screw you on so many things for YEARS! Even though, you have always been a great employee. Now, if they can just tackle the relationship between your credit score and how well you drive. HMMM

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Stop believing the nonsense! And stop spreading lies. It is illegal to hire only the already-employed - that tactic does not hold up in my state.

      We do not need a jobs PROGRAM. We have plenty of new real-work jobs open already in auto manufacturing, aerospace vehicle manufacturing, Medicine and Healthcare, sustainable energy, and several others.

    • PoliticsNOW profile image

      PoliticsNOW 5 years ago from New York

      Now if they can just start an actual jobs program. Its not going to be easy because the right wants the economy right where it is to mke Obama look bad. Now companies are only hiring people who have jobs now. Its an unjust system, thanks for the info.

    • RoughOutline profile image

      RoughOutline 5 years ago from England, UK

      I agree with AgesMGMT, it's sad but unfortunately it's true.

    • John Hewitt jr profile image

      John Hewitt jr 5 years ago

      Unfortunately i have fallen victim to this unfair practice by employers in Las Vegas. I have applied for many jobs in seven years since i lived here. Only to have some applications denied because of a poor credit score. I mean what am i going to do rob my employers? I think this is done in very poor taste. It should be banned.

    • AgesMGMT profile image

      AgesMGMT 5 years ago from New York

      thanks for the informative hub.. people will always be discriminated against as long as there are people on this earth.

    • Yvonne Jessey profile image

      Yvonne Jessey 5 years ago from Philadelphia

      I was just talking about this very topic to my brother the other day. We both wondered when would the political representatives realize that this is the most likely cause of people being unemployed. I honestly do not see the correlation between someone's personal bill paying habits and job performance. You're right it is financial discrimination.

    • invitationwrite profile image

      invitationwrite 5 years ago

      Great hub ..Very informative..

    • profile image

      polo ralph lauren outlet 5 years ago

      Good writing, I wanted to thank you for this interesting I definitely loved every little bit of it. I have you bookmarked your site to check out the latest stuff you post.

    • Patty Inglish, MS profile image

      Patty Inglish 5 years ago from North America

      Thanks for all the comments so far.

      As for Texas - call your local legislators and see what they jknow about. If they have no info, ask them to sponsor or support a bill to end this discriminatory practice.

    • marriednokids profile image

      marriednokids 5 years ago from California

      Great hub. In this economy I'm surprised employers can find anyone who can pass a pre employment screening

    • profile image

      Emath 5 years ago

      Just found this hub..interesting. So, where do I find information on Texas eliminating credit checks? Do you have any links...I searched the TX Legislature website and can't find any info...appreciate it.

    • chaz cecil profile image

      chaz cecil 5 years ago

      I like this hub. Very informative and conscise! Voted up and thumbs up for an article well written!

    • Jennie Demario profile image

      Venture Boyz 5 years ago from Floating in the clouds

      Yeah these pre employment credit checks are nuts. I've heard of banks running pre-employment credit checks before hiring cash handlers because there has been a link between tellers who steal cash and tellers in need of debt relief. In theory it makes sense but just because someone has some X marks on their credit report does not mean that they will resort to criminal activity.

    • MarloByDesign profile image

      MarloByDesign 5 years ago from United States

      Great Hub - regarding "Pre-Employment Credit Checks Eliminated" - will all states be eliminating credit checks? What about the ones who have not passed that new law in 2011? Will it ever be a U.S. Federal Law? Thanks!!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      Thanks for the observations!

    • profile image

      fellthruthecracks 6 years ago

      I'm glad to hear that someone in Congress is doing anything about this situation. Talk about big brother! It's "1984" all over again. If this isn't stopped we will have absolutely no freedom whatsoever. Instead of checking credit scores they should have a test that determines a persons ratio of bad luck in comparison to the amount of risk they take in order to try and better their life. All I know is that businesses are missing out on a whole lot of great workers because these tests assume dishonesty on the job or poor overall job performance.

    • htodd profile image

      htodd 6 years ago from United States

      Great work..Thanks

    • Netties answers profile image

      Netties answers 6 years ago from Hollywood, CA

      Hey Patty,

      Thanks so much for addressing this question! It is so unfair that big business can have bad credit, yet they use it to discriminate against unemployed individuals! Everyone has been affected by the economy, by forclosures,by crookd politicians, banks, and big companies that have taken workers savings. What is left if you can't get a job? I live in California, where there are so many sleeping on the streets because they can't get a job, or feed their family. What is taking California so long to pass this bill, so people can get back to work????

    • sweetandspicy38 profile image

      sweetandspicy38 6 years ago from Iowa

      This is what I would like to know, If your getting turn down because of your credit score, How is it going to get better, not having a job.

    • Anthea Carson profile image

      Anthea Carson 6 years ago from Colorado Springs

      What useful information, thank you. I wish I'd known about it being illegal to ask who you live with. I assume that means it is illegal to ask who you date, which my former employer who owns a chess camp in Denver did, and then promptly told me that unless I broke up with the person I was dating I was fired. And then fired me as a chess coach. The chess community is so small, it is difficult to do anything about it, in such a small community where everyone knows everything about you, which is why this chess camp owner knew who I was dating. I did manage to get this guy to lose his position as president of the Colorado Scholastic Chess Association, but then like I said, the community is so small that many of my friends and chess associates were upset with me. I think enforcing these laws is often quite tricky.

    • rockinmagic profile image

      rockinmagic 6 years ago from Sacramento

      Great Hub. I really appreciate the info. Would not have known about this if I hadn't come across your hub.

    • DRG Da Real Grinc profile image

      Felix J Hernandez 6 years ago from All over the USA

      Awesome. The issue never made sense to me. Isn't a job suppose to be about getting your credit on a good note anyway?

    • ecogreen4us profile image

      ecogreen4us 6 years ago

      Nice article

    • Brent Stone profile image

      Brent Stone 6 years ago

      Well, in Australia, because of the resource boom and low unemployment. They are mailing out credit cards willy nilly and all you need to do is sign it and you are off spending. A little scary...considering that the average person has around 15K on their credit card.

    • profile image

      ExoticHippieQueen 6 years ago

      People who incur overwhelming medical debt should not be penalized for being unable to pay their medical bills and thereby suffering a bad credit rating. I have found out that even with excellent health insurance, the amount of unpaid medical debt that is left over, can in some cases, be enough to keep you in debt for a lifetime. Thanks, Patty!

    • RandomThoughts... profile image

      RandomThoughts... 6 years ago from Washington

      How 1984, big brother. It was one of those things I couldn't believe had been tacked on as yet another discriminatory way of counting you unworthy of their business. Thanks for the heads up. I live in a state that took action. Useful/Up

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I think most people are agreeing with that, Kim_L.

    • Kim_L profile image

      Kim_L 6 years ago from Florida

      I kind of think almost all of America is screwed in that case with pre-employment credit checks. With our economy failing and job loss, more and more Americans fall into bankruptcy and minimally credit problems. With our health care system diminishing yet the cost of health care rising, more and more Americans cannot afford the medical expenses either to simply stay alive for their children and families.

      I also feel it is really a breach of privacy under the Constitution. IF you don't sign off on divulging your private financial matters, you are automatically eliminated from consideration of the job which in reality FORCES a person to divulge private financial information and then infringes on the right to medical privacy for many(HIPPA).

      I think this is a great posting as well. I don't believe that credit history has a damn thing to do with whether you are an honest person and can or cannot do the job.

    • spirit929 profile image

      spirit929 6 years ago from Upstate NY somewhere over the rainbow

      I have always thought it was unfair for companies to make employment decisions based on credt history! Great Hub Thanks for the info!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      This is the road to a really loused up credit and employment history, is it not?

    • imatellmuva profile image

      imatellmuva 6 years ago from Somewhere in Baltimore

      Wht's interesting is that I could buy a house and car based on the same crdit history that I can't get a job from...go figure.

      A credit report should not be part of employment determination. I've worked in the financial market for years, and I will tell you that their are some people who not only inaccurately read reports, but don't know how to be objective about what they've read. I would dare say the same is true in the employment world.

      The idea that every time you apply for employment, and each potential employer has a record of your credit history, (especially those who've declined you) is sickening!

      People may likely apply for jobs, more than they'll apply for credit. The next employer my not realize that all of the inquiries are for job searches, and not credit applictions. People are in a catch 22 situation, and the employers are the ones causing them to get caught up!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      For non-union work and work without a written contract, my state Ohio is an at-will employment state legally; this means that a company can fail to hire you and can fire you for no reason at all.

      You could call and ask the reason in your case; you may or may not get an answer.

    • profile image

      Natassa 6 years ago

      How can you tell, though?

      If you haven't been accepted for a position, how can you tell that it's because of your credit history. What if they just didn't like you?

      Is there a way to have a company disclose why they didn't hire you just like when you are denied credit??????

      This, in my opinion, should be the next precedent.

      A simple answer from the co. would help a great deal in figuring out what you could pursue doing better, further education experience, intern, salary requirements, or look into their credit {I believe that the whole credit check process is out of control...and a poor judgement of someone's abilities}.

      In addition, it would force companies to validate the people (friend, friend of friend, coworkers cute neighbor, even family though distant...) that they are hiring.

      I have been applying to the same school district for seven years. I have the experience and a proven record of growth in student achievement, yet the ISD that I trust my children to doesn't see me fit to work there

      {wait....yes, they have an awesome rapport with teachers at their school oh yeah..."commended performance" but that's another hub!}

      I would have graciously accepted a specific explanation of regret to hire

      {when everything from resume to interview and follow up and even references from within}

      and would have also had a much higher respect for the co. {or ISD}.

      hmmmm....let me go find all those applications!

      Thanks for listening!


    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I am sorry this happened to you. Student loans have been a target of media interest, since many seem too high in interest and and up being much larger amounts that students realize. I recall reading about legislation under the Obama administration that cancels out any part not paid after 20 years; but that does not help you now!

    • photographybyar profile image

      Addie's Momma 6 years ago from Bakersfield, California

      I just recently had this happen to me. I was way overqualified for the job, the hiring manager told me I had it as long as I passed the credit check. They were even telling me about my pay and benefits package, including my start date. They asked if I had anything bad on my background/credit history. I was honest and told them when I went through my divorce I was stuck with some outstanding bills and I was in the process of settling them. I also have $80k in student loans (finishing my M.S. degree). I was in turn not offered the job due to my outstanding credit. The position wasn't even a financial one! I was outraged. I sure hope California does end up banning this!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I agree - second chances after all the unemployment and even banking system manipulations is really needed.

    • Greg Sage profile image

      Greg Sage 6 years ago from Orlando, Florida

      The need for second chances in this country has never been greater. The irony is that people are seeking jobs in order to proactively fix the very same situation that likely caused their credit woes.

    • profile image

      Gina 6 years ago

      I have been denied 2 jobs in the past 2 months because of this law. My mortgage is paide on time. My bills are paid on time but since I lost my job last year, I could not pay my credit card bills on time and for this reason my credit score has gone from a 700 to who knows what. This is not fair to me. I have worked the last 28 years of my life with a job and now this 1 time I cannot get a job just because of my credit.

    • profile image

      rorshak sobchak 6 years ago

      Awesome hub. I hope that eventually this credit check thing is eliminated because I don't see it as having much to do with the kind of worker someone is.

      rorshak sobchak

    • cooldad profile image

      cooldad 6 years ago from Florida

      Great hub. I went through a terrible divorce and custody fight several years ago and lost nearly everything, a house and two cars because I had to pay lawyers to secure visitation rights. I had to file bankruptcy too. So on paper, I look like crap.

      But my work ethic and production has always been extremely good anywhere I have worked. There was absolutely no correlation between my personal financial history and my abilities to perform my job.

      I've always cringed when applying for jobs when I see that they will run my credit. It really isn't fair.

      Great hub, thanks.

    • Happyboomernurse profile image

      Gail Sobotkin 6 years ago from South Carolina

      Glad to hear that some states are in process of making it illegal to deny someone a job due to poor credit. Talk about a catch 22!!! How are you supposed to ever pay bills and put a roof over your family's head if no one will give you a job because of poor credit history?

      During the past decade, I have been appalled at the increasing use, or more accurately, misuse of "credit ratings" to determine so many factors that seem unrelated. The net result is that the poor, who are already struggling, sink into an ever deepening debt that they can't ever get out of.

      I am blessed to have a good credit rating, but we as a society must realize that the increasingly punitive uses of poor credit ratings are inhumane, discriminatory and often irrational. And, there but for the Grace of God, any one of us may find ourselves in financial difficulty at some point of our lives due to poor health or an unhealthy economy leading to layoffs and loss of lifetime savings.

      Thanks for bringing attention to this timely issue.

    • PETER LUMETTA profile image

      PETER LUMETTA 6 years ago from KENAI, ALAKSA

      When I worked as a broker selling real estate I had to help folks clean up their credit reports so we could get them qualified for a loan. We could sit down and explain situation like a sick child or a divorce that caused these problems and usually got a sympathetic ear and many folks through the thrid degree of the banks. Then came the Fair Isaac Score that isidious number score that we are all judged by, 401 or 720 or 655. That number becomes a modern day Scarlet Letter for a lot of folks. But before that number they looked at how good of a customer they were and how long they have been paying and did not go by that number. Then the banks and now everyone else is using that score to prejudge you for a job all the way to insurance. The big 3 credit reporting companies should be closed down and made to go to the old system. That number is totally descriminatory. These credit reports have you guilty until you can prove your innocent not the other way around. They don't have to prove a thing, you must prove that you are not guilty! Another nail in the coffin of America. Peter

    • mrpudgy profile image

      Clifford Beaver 6 years ago from Winnipeg, Manitoba

      About freakin time. There is no reason to be coerced into giving your past credit history for a job. Many people with under par credit have it because, like most younger people, didn't take others advice and they screwed up and maxed out some credit cards etc etc... People mature and grow up and their ethics change. So what is in the past isn't necessarily the present and employers should really think about it. Unfair? Absolutely!

    • profile image

      GregLightning 6 years ago from Tampa

      Great hub ..Very informative..Thanks so much

    • LULU SUE1987 profile image

      LULU SUE1987 6 years ago

      I am so glad to hear this. It is completely unfair to use credit score as part of hiring practices. After all the reasone one works is to make money to pay bills.

    • PurvisBobbi44 profile image

      PurvisBobbi44 6 years ago from Florida

      I can see doing background and Drug Screening, but to do Credit Checks on someone applying for a job does not make any sense. If the person has any issues it will come up on the background check. I worked many years for a job placement service, and if we ever had a complaint about personal phone calls at work, we would talk to the employee---and maybe sometimes we could suggest how they could rid themselves of any bill collectors.

      After all we are all humans, and could find ourselves with the same issues. I live by the Golden Rule, and I tried to help anyone I placed in a job if they needed my help. But surprisely my applicants had very few issues.

      People need respect, kindness and jobs if they apply to a Job Placement Service, they do not need to be afraid of a Credit Check.

    • Tales From Tai profile image

      Tales From Tai 6 years ago from New York

      So glad this article was written. I was turned down for 6 jobs because of my credit. I was told that although my qualifications were more than sufficient my credit score was low. I had been on unemployment for 9 months and without a real income I was picking and choosing which bills to pay in order to survive. Had I been hired my credit score would have improved greatly. Just goes to show how ignorant people can be. Glad the government is doing something about it.

    • JMAW profile image

      JMAW 6 years ago from Hawaii

      People have been crippled because of credit and it's crazy to see how the guilt associated with bad credit can be debilitating. I got into a credit crunch in college because I took out student loans and worked as an RA to put myself through school. I didn't know budgeting as a 20 year old and well... So it's nice to hear this because this kept me from looking into work that I knew I would be well qualified for because of the stigma of having bad credit. Shoot, even unemployment has a stigma. We've got it backwards in many ways I think...

      Excellent hub and subsequent dialogue!

    • tHErEDpILL profile image

      Alem Belton 6 years ago from New York

      This is damn good news. Now lets see if it actually gets enforced. I didn't really notice how unfair this practice was until I became unemployed, so happy to hear this. Good news of the day for me. Thanks!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I feel the credit checks are more unfair (except for perhaps banking) with each comment that readers present. Honest people could be left with no means of support at all, except the underground economy, off grid. It seems to be a catastrophe.

    • mod2vint profile image

      mod2vint 6 years ago from Sunny Florida

      2 years ago my credit was nearly perfect. Now it reads like I'm some kinda slug. S**T happens and choices need to be made. Like Food or Fuel, Electric or the credit card payment. If at this point I was denied employment because of credit, I too would get an Attorney.

    • Dawn Conklin profile image

      Dawn Conklin 6 years ago from New Jersey, USA

      I don't see why employers should be allowed to do a credit check on potential employees. Bad things can happen to make anybody's credit go bad, it does not mean that this will affect their work ethics. People are losing jobs with no way to pay bills, people get divorced or a loved one passes away. There are so many things that can cause people to not be able to pay their debt. It doesn't make them a criminal or a bad worker.

      I understand employers doing a criminal background check and a drug test but I think that should be it.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      It makes you not want to get involved with anyone ever again - at least not on paper, wendi_w. The IRS goes after the ex-wife too often when a former spouse woes them money, too. I was told by an agent that the women stay put in one city more often than the men in these cases and are easier to snag. Best of luck getting out of this hole!

    • wendi_w profile image

      wendi_w 6 years ago from Midwest

      Thank you for this information. I am one of those people who has been turned down for jobs because of my credit history. The kicker though is that isn't my history, it is my ex-husbands and the issues on the history happened after we were separated. The manner in which he managed or mismanaged his money was why I left him and because my name was on some of those accounts when I left it continues to drag me down like a rock chained to my ankle in deep water.

    • DRG Da Real Grinc profile image

      Felix J Hernandez 6 years ago from All over the USA

      This is a great thing. I never understood why you would have to go through this process to get a job. Like who even made this up? It was unfair and has no reason to be employer accessible.

    • profile image

      SD Fin 6 years ago

      When are they going to use this same logic for credit stalking for car insurance? Any error & they can hike your rate even tho you've never had an accident. Hard to justify a connection between a late bill & bad driving those cases & companies can be extremely slow in readjusting your rate - if they ever do.

      Also, they need to forbid insurance companies from hiking excellent drivers w/ no claims just because other drivers w/ that company filed a claim. You get hit financially even tho you've been responsible? Ridiculous.

    • platinumOwl4 profile image

      platinumOwl4 6 years ago

      I was just thinking about this issue prior to reading your article. Happy I came a cross it. This is one of the ways we can begin to regain our civil liberties that are rapidly slipping away.

    • profile image

      janellelk 6 years ago

      Really well laid out and articulated. Thank you so much!

    • ugagirl66 profile image

      Gina 6 years ago from South Carolina

      Excellent hub. Voted up. Very good information. Good topic for discussion as well.

    • chachasworld profile image

      chachasworld 6 years ago from Los Angeles

      Hi Patty!

      I agree that in this economy, it just isn't fair and should not be legal to keep people who are looking for work, from being able to get it because they are unemployed and haven't been able to get past the closed door policy. My friend's credit was high till she had medical problems. It seems that searching through someone's personal financial business and judging them on unknown issues is just an open door to "legally discriminate" against anyone they choose. How would they provide for their families if similar situations happened to them? I saw lots of information that can help many people I know who are going through the same injustices. Thanks for the info and keep up the great hubs!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      Thanks for the comments! This is an unfair practice in many instances and as such, should be abolished.

    • Celiegirl profile image

      Celiegirl 6 years ago

      Wow! Awesome information! I appreciate the work! Thanks!

    • carpanthguru profile image

      carpanthguru 6 years ago from Warwick, Rhode Island

      I have been unemployed for just over a year now. I had a great job lined up last week with references from inside the company. The offer was dependent on credit check and drug test. I was not worried about the drug test, but the credit check scared me. I was sent an email three days after the interview saying there was nothing available right now. It was the 550 credit score. I had a bankruptcy discharged back in January, and I have been in the middle of a mortgage re-modification for the last year and a half. They told us to pay 1400 instead of 1700 for 18 months, the whole time dragging out the paperwork, and destroying our credit beyond the bankruptcy. I found your article enlightening, I know now that Im not alone. unfortunately, I live in RI, and they are too crooked to pass a law that would limit big business from having the upper hand. Thanks for the info.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I hope that webpages like these can help people to know their rights. Thanks for your comment, Cardisa, and bedst wishes in Jamaica.

      If a person lives in certain communities here in my large city, a taxi will not pick them up, pizza deliveries will be denied, and employers do not wish to hire them either. All of these injustices must change, but how does one get out of these neighborhoods without money and a job? It is difficult even here and should not be so.

    • Cardisa profile image

      Carolee Samuda 6 years ago from Jamaica

      Hi Patty, in my country people are denied jobs because they live in a particular community. It is illegal and in most cases the individual has no idea what their rights are, so do nothing about it.

      I a m glad that something is being done about it in the USA and hope that this will filter down to Jamaica.

      Great hub, thanks for the information!

    • Stephanieaaarrr profile image

      Stephanieaaarrr 6 years ago from Monterey

      Credit checks are so irrelevant to employment. Bad credit can be a result of being laid off. If you have money and you're looking for a job, you're not going to pay your credit card. You're going to buy food.

      Just as grades do not reflect intelligence, credit scores do not reflect character.

    • Cathy51h profile image

      Cathy51h 6 years ago from Philadelphia PA

      this article is right I had that problem I have a disabled son who's condition worsen and I had to quit my Job. I gave to weeks notice.I did not think this would affect my employment My medical bills started piling up and every bill in the home since it was a long term Illness I felt it was fair to let them know in My workplace that I under that situation could not work.I apply for jobs now that my son is better I noticed that I would get called fort an interview never called for a job.I was starting to get worried I decided to look at my credit report I saw the names of the companies that I had applied to work for looking for my credit report this in itself was causing problems for me to get new credit because of the amount of times My credit had bien viewed.I found me a job thank God and If any one is going through a rough time just keep the faith.I am just glad they are starting to do something about it.

    • ThePelton profile image

      ThePelton 6 years ago from Martinsburg, WV USA

      I am glad someone is addressing this. I have been working a part time job through the AARP SCSEP program, and one of the things we have to do on a regular basis is to attend classes on how to look for a job, and take "Mock interviews" to help us find out our weak spots should we actually get an interview. This thing about credit checks came up when we were discussing job searches, and I pointed out what a "Catch 22" that this thing was. If you're out of work, you're not making much money, which means that your credit rating is going to suffer, and if they're not employing people because of their credit rating, those credit ratings are going to continue to collapse. I think the only reason that an employer should check a credit rating is if the person is a prospective candidate for a sensitive job, such as being a spy. People who are at risk financially are more prone to listen to some stranger who promises to help them in exchange for some names or information.

    • feenix profile image

      feenix 6 years ago

      Patty Inglish, MS, thank for publishing this informative hub. I am no longer a full-time worker because in 2006, I retired and I am presently receiving a "pretty-good pension". However, it seems to me that not only is it discriminatory to use a good credit history as a prerequisite for hiring, it is highly illogical. After all, at this point in time, a very high percentage of the people seeking jobs have been out of work for a long time which is a factor that can certainly cause one to have no other choice but to file for bankruptcy or, at the very least, to have a brief history of paying his or her bills late. And common sense should tell an employer that one of the primary reasons why many individuals are seeking jobs is to earn the money to catch up on their bills and improve their credit ratings as a result.

    • Sylvia's Thoughts profile image

      Sylvia Van Peebles 6 years ago from Southern California

      This is great! After being unemployed for over 2 years my credit sucked! What has that to do with how well I can perform my job??? I was turned down several times for jobs I was well qualified for and had extensive experience in because of my credit report!

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      Check with your local EEO office to be absolutely sure. Best wishes.

    • Jo_Goldsmith11 profile image

      Jo_Goldsmith11 6 years ago

      Thank you for posting this! I am looking for work outside my freelance writing job. and a company I have applied for asked me about a credit check. I didn't know this is no longer allowed. Thank you! you rock! I voted up!~

    • EnjoyYourLife profile image

      EnjoyYourLife 6 years ago from New York

      Bravo! Bravo! It's about time something like this is happening! Folks having been knocked off job interviews due to their financial situations have always rung wrong with me.

      Further, what about erroneous credit reports that could sink a person before they ever even had a chance.

      Thanks for this wonderfully informative hub!


    • nene7884 profile image

      nene7884 6 years ago from Savannah,GA

      I think it is great they are eliminating this because people are trying to get jobs to better there credit. Some people credit are poor due to unemployment, sickness or just about anything that do not make them bad people or reason to pass them over for jobs!!!!!

    • darntoothysam profile image

      darntoothysam 6 years ago from Burnsville, MN

      Unbelievable that you can be punished for having a poor credit rating even though you do an amazing job at whatever it is you do. I'm thankful that I work for myself, though it's not as easy as a 9-5.


    • SD Dickens profile image

      SD Dickens 6 years ago

      Very interesting hub. Now, more than ever, there are so many people whose credit is damaged through no fault of their own. It's about time this was changed. Insurers do the same thing for car insurance rates.

    • TheSenior profile image

      TheSenior 6 years ago

      I am soo glad that this has ended for a credit score has nothing at all to do with how an employee will act or perform on the job - and in fact a poor credit score is also the result of losing your job do to a poor economy as it did to me some years ago, when my employer was not paying me and I was forced to quit.

      To the best of my knowledge a credit score in unable to know that your unemployed - all it knows(mechanically speaking) is that your not paying your bills and therefore (mechanically speaking) a 'loser' and a 'sluf' as this new commercial talks about with a guy named 'Stan' that has shown on tv a few times.

    • Jo Frank profile image

      Jo Frank 6 years ago

      Excellent info.....I was considering writing on the same topic as I was turned down about three months ago for a job, due to a bad credit check....after I was upfront with them (the employer) I let them know I had issues with my credit. Lost job, house foreclosed (in Ca), couldn't sell the house(owed more than it was worth).Pretty much the same story as a lot of Americans these days. Years of establishing good credit gone within a blink of an eye. Anyway didn't mean to dump on you with all my misfortune. This hub really hit home. Well done, I'm new to hub pages and am enjoying reading good info.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      leanders - that's a very entertaining response. But it COULD happen - collecting from yourself. lol

      wholesaletoys - Thanks a million!

    • wholesaletoys profile image

      wholesaletoys 6 years ago from El Monte, California

      Voted you up and said you were awesome. You have put a very informative Hub together. Very well done. Congrats!

    • laneanders profile image

      laneanders 6 years ago from Tennessee

      Fantastic information, I am ecstatic about this change. I have always found it absurd that credit rating would factor into the hiring process. Maybe I can get a job now :P, no just playing lol. My credit is fine, but I still don't think it should matter in regards to someone being able to do the job. Unless maybe it's a collection agency, would be awful to work for a collection agency - and then bam you get the call that you are going to have to collect from yourself.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      @jarja kick - I think many are self employed because of hassles with credit checks, older age, and others. It is a nightmare, as you say. I know what ID theft is like - it's been tried three times on me in the last year alone. I hope you achieve some income with HubPages.

      @Miss Info - more discrimination rather than less in the 21st C., it seems.

      @reignmaker1911 - good points. If anyone comes up with a watchdog organization, I'll post it in the Hub. EEO ought to get involved.

      @smcopywrite - very important observations. Thanks for posting.

    • smcopywrite profile image

      smcopywrite 6 years ago from all over the web

      there are so many people looking for work that employers are trying to find reasons not to hire people. this is providing them with a blanket overall reason to so no. does anyone know the credit score of the person that actually received the position? this is definitely discrimination. if one part of the industry of the haves can use it against the have nots, other members of the industry will start to use it. insurance companies have already touched on this.

      to me its similar to saying if your eyes are green you are out of the job pool.

      terrific information

    • reignmaker1911 profile image

      Andre N. Turner 6 years ago from CHICAGO

      Is there a watchdog group out there that makes sure employers abide. The only way an individual would know is if after they applied for a position they immediately check all 3 credit agencies to see if they had been checked, not really practical. It would be great if all employers ACTUALLY stopped the credit check practice. People out vigorously looking for jobs, submitting 10-15 apps/resumes per week would never know the actual reason that they didn't get the job. Really employers are now given 1 more reason to lie about not hiring an individual.

    • jorja kick profile image

      jorja kick 6 years ago from southeast georgia

      This is in fact a great read...I went thru Idenity theft..

      what a nightmare...I am self employed, divorced and have many nights and weekends alone..I thought I might get a part time job just to get out of the house..

      I cannot get hired until all the "negatives" are ajudicated on my credit report..I did have fraud insurance but the damage is not easily repaired..

      as a result I am still sitting home talking to the doggys ..LOL

    • Miss Info profile image

      Miss Info 6 years ago from New York City

      This is a very good read. It's good to know this, since this method has been used to discriminate against many people for decades.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      Disgusting isn't it, Sweetsusieg? Sounds more and mre like discrimination.

      I began using cash-only for everything 30 years ago when friends after high school all had 10 credt cards...and I have the lowest insurance rates around. I'm pretty much off grid as far as credit and most everything else goes.

    • Sweetsusieg profile image

      Sweetsusieg 6 years ago from Michigan

      It's really all a matter of the rich staying rich and keeping the poor, poor. It's been going on for ages and now due to the 'Big 3' (credit reporting companies) it is being accepted practice. Yes, Patty insurance companies (auto) are basing your premiums on your credit score. The lower your score the higher the premium. Just one more way of keeping the poor in the gutter.

      The same goes for loans, (auto-homes) the lower your score the higher the interest. Which in turn causes the payments to be higher, and very likely payments being missed or said objects being repossessed when the wolf comes knocking at the door.

      If I am permitted to share something from my family history:

      My Grandma in 1935 worked for the vice president of Dow Chemical as a housekeeper/maid. She accidentally overheard the two daughters of the VP gossiping about an unfortunate explosion. 1st daughter "Did you hear about the accident at Dow?" 2nd daughter "Did anyone get hurt?" 1st daughter "Oh, no one of importance, just a couple workers got killed".

      To understand how quickly lack of empathy can happen among the rich; their father had been a mail carrier who happened to save enough money do put a down payment on some swamp land that is now Dow chemical.

    • Support Med. profile image

      Support Med. 6 years ago from Michigan

      I hope they never use it as a basis for employment. Thanks for sharing this.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      Hi Alexander -

      When I worked for one retail chain (out of business now), management wanted all staff to be single persons without children; and they required all of them, even part-timers - to have a 24/7/365 availability. They said this was to cut down on health insurance and sick time taken because kids were sick or people had babies. Not very nice, really - but they stayed in business another 10 years.

    • Alexander Pease profile image

      Alexander Pease 6 years ago from Maine

      SJK, I agree. Why should an employer care about what your credit is. However, logically speaking, it shows the amount of commitment that they have to working towards a goal. This is the same as when employers are generally happier to see that someone is married, (although it is illegal for them to ask), because it shows that they can stay committed.

    • SJKSJK profile image

      SJKSJK 6 years ago from delray beach, florida

      I have never understood why employers care about credit. Afterall you are looking for a job so you can make money to pay your bills and improve your credit.

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I think that's all true. Thanks for your comments, Immartin!

    • lmmartin profile image

      lmmartin 6 years ago from Alberta and Florida

      Incredulous to me that my employer would need to know my credit history. A criminal check, certainly, but my credit history? Think -- if I've been out of work for a length of time, my credit is likely to be affected. Which will keep me out of work even longer. Which will make my credit worse. Which will keep me out of work.... Poor credit reports do not mean someone is a liability for the job. Such assumptions are simply not right. A credit check is a violation of privacy. Glad to hear some are standing up to this practice. Lynda

    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      This issue irks me because of all the discrimination we have had in all areas of life in the USA.

      I remember in early 1980s Columbus, when apartment managers all over town would not rent to single women of any age, because "they are all prostitutes." So, they would require 3 months' of rent up front for a deposit, eliminating all the new female college graduates for several years.

      Credit checks for car insurance is a new one to me! Worse all the time, is it not? But credit checks for a checking account have caused many people to not have a bank at all - check cashing places can help them, but Ohio would like to do away with THOSE - so where would these people go then? Govt check cashing, is that what's on the horizon?

      KKGals is right too - If they had money they would not be applying to jobs, especially entry level. They'd do volunteer work.

      AND people that are "too smart" are also sometimes the target of discrimination, starting in school and going right up through the worlplace lifespan.

      The more I think of it, the more a credit check seems a proxy for other discrimination.

      And here's a Columbus scam going on since 2008 - supposed homeowners that want to "rent out a room" demand a social security number before interviewing potential renters, for a "credit check" and then perform Identy Theft. Lots of it going on at craigslist. Incredible.

      Thanks EarthAngel - it's kind of a mission for me...

    • smcopywrite profile image

      smcopywrite 6 years ago from all over the web

      i have always felt this was a terrible precedent. credit checks for auto insurance, rental housing and now for employment. this is a catch all for having any reason to charge you more.

      many people in this day and age may have credit blemishes through no fault of their own.

      you have have major medical bills because of a horrible illness with your child or spouse that insurance didn't cover it all and you dont get the promotion?

      i get very heated on this one. we have people sitting on the hill in congress that have outstanding student loans? how do they keep their job? your credit shouldn't reflect how you do your job, ever.

      this economic climate has probably 65% of the population with some blemishes on their credit.

      i believe we should have the ACLO do a class action lawsuit and see how that goes over....

    • Earth Angel profile image

      Earth Angel 6 years ago

      Hello again Patty and Commenter's!

      As a side note, from a former corporate "Head Hunter" I wanted to add what I hope is a helpful tip to those still seeking employment:

      Your "experience" is no longer as important as what you can currently "bring to the table!"

      I'm from the old school as well (late 1980s is old school, who would have guessed) where experience was paramount! Alas, times have changed and the way a resume (and our mindset) is crafted is no different!

      Heck, I'm a publisher and what I learned in January 2011 is almost obsolete only a few months later! Sometimes my head spins just keeping up!

      This is the new world we live and work in! Actually I like it only because it causes my brain to make new connections and I plan to live to 120 years of age! Other than that benefit, I feel like I am always racing to stay somewhere near "cutting edge" range!

      That's why I follow Patty and all her Hubs and subjects!

      For those who continue to search for gainful employment in a professional field it is important to look at your resume from an employer's point of view; your experience and expertise are a given! What "else, over and above" do you bring to the table?

      Fair? Not hardly! Realistic? Very!

      Patty is the BEST one to follow on all these subjects!

      Blessings always, EarthAngel!

    • KoffeeKlatch Gals profile image

      Susan Haze 6 years ago from Sunny Florida

      Patty, it has always seemed so silly to run a credit check on a potential employee. If the peoson had mney he wouldn't need a job. And in this day and age who doesn't owe someone something. Great information.

    • Sharyn's Slant profile image

      Sharon Smith 6 years ago from Northeast Ohio USA

      Thanks Patty,

      Figures he won't sign it :( I haven't paid much attention yet my Dad is always watching stuff about the governor and doesn't say nice things . . .

      And I think I will take the years off the resume.

      Thanks for your help.


    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I think the bill has not been signed yet in Ohio and I think our Governor will not sign it, favoring business over the individual. That's the way it looks to me. I believe this, becuase another plan was to purposely not meet the federal requirements in a $400,000,000 education grant so the feds would take it back and be less involved in education. It's a pattern. The new "jobs for Ohio" program - it does nto work yet, if ever.

      You don't have to put the years/dates on your jobs for a resume; but on an application you need to do so usually; so people are stuck that way.

      Call the EEO office and speak with one of the adisors there. They should be able to help sort whether you have a case to pursue. Best Wishes!

    • Sharyn's Slant profile image

      Sharon Smith 6 years ago from Northeast Ohio USA

      Hi Patty,

      This, to me, is a very important topic. I can do some research . . . but are you saying that in states like Ohio, there is a bill in progress? Or has a bill been passed?

      I do believe that this issue has affected me with my job search in more recent years. I also think that although I do not specifically put the years I attended school on my resume, a potential employer can obtain a good guess at my age with the years listed under employment. I've been told not to include the older employment but that's difficult in my situation. One of my two long-term jobs was for over 16 years. If I leave that one off, my resume is not as impressive with all that experience. I'm still in my 40's, have tons of experience and skills, yet I believe I have been discriminated against related to age and possibly credit. But how would I prove it? It's very aggravating! And I am a true example of being "hit" by the economy. Things are much worse now financially for me than they were in my 20's. It's heartbreaking at times. Thanks for this important topic.


    • Patty Inglish, MS profile image

      Patty Inglish 6 years ago from North America

      I think drug-testing is legitimate in factory work that involves machines ans safety hazards, where residual drugs and alcohol affect perception and reaction times. It may be a way to determine health care costs as well, given the panel of substances found in a urine sample and I don't like that at all. Right out of high school, I was denied a job because a great aunt had had cancer (meaning to the company that I would probably get it), so I never admitted illnesses in any interview process again. Today, it's illegal to be asked.

    • Austinstar profile image

      Austinstar 6 years ago from Somewhere in the universe

      We also need to eliminate drug testing. What drugs a person does or does not do is between them and their doctor and residual drug levels, legal and illicit, are being used to eliminate otherwise qualified people.

      A skills test for the job would be so much better.

    • RealHousewife profile image

      Kelly Umphenour 6 years ago from St. Louis, MO

      It seems so silly to run a credit check (and possibly hold it against someone) if they have been unemployed. I would think if a person is or has been out of work they may not be paying all the bills on time because they have been unemployed! While it never actually affected me I always thought it didn't make a lot of sense. A background check should show criminal history.

      Thanks - interesting hub. Love the depression era photo.

    • Earth Angel profile image

      Earth Angel 6 years ago

      GREAT work Patty!

      I've been self-employed 95% of my life and haven't kept abreast on this growing and alarming trend of "indirect" discrimination!

      I can see both sides of the equation as an employer! In the past, if I had 30 people applying for the same job I would chose the person most qualified, most focused and least distracted by personal, financial, marital or health related issues!

      I can also see in this economy that one or more of the above would affect just about everyone!

      If I were an employee in this market, I might be turned down flat without knowing why!? Identity theft is a huge problem as well; right now there is a 29-year old party girl 500 miles away pretending she is me! This is the third time in my adult life my identity has been compromised!

      You are always so informative and enlightened! I love starting my day with what ever you have written!

      Blessings to you from sunny California where the door is always open for Patty! EarthAngel!

    • dearabbysmom profile image

      dearabbysmom 6 years ago from Indiana

      I'm glad this change has happened in many states and is in the works overall. It does seem a bit ridiculous to base a hiring decision on a credit report of a person who has been unemployed for months

    • kimh039 profile image

      Kim Harris 6 years ago

      Interesting, Patty. Thanks. Strength in numbers. The stereotypes are only now being confronted because there are so many people unemployed because of the economy and with bad credit from health care expense. If only one person has these problems when others are doing well, he or she is a deadbeat, irresponsible, lazy, etc.

    • primpo profile image

      Primpo 6 years ago from Brooklyn, New York

      that is something, because where I work, one of the guys was passed up for a promotion because of his credit. what can he do about that? He does everything that a manager would do and they still wont give it to him..

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