Why Credit score should effect getting hired for a job?
I just recently got rejected for a job becouse of my credit rating. This not only plut me into a bigger bind then I allready was, but will effect my credit even more since im unemployed and have been barely making it. Now My credit history isnt entirely my fault durring a nasty divorce I was left with credit cards that I didnt even use with my name on them all maxed out (three total) 2 wich I paid off later when I could and one that is being handled by my attorney becouse it was opened AFTER we had allready split, she had illegaly put my name on there. Also I lost a house becouse of the divorce, I have worked hard then and since then just to provide for my family and CANNOT help the fact that I lived check by check. I never filed bankruptcy or even owe a large amount to anyone, I just basicaly have poor credit.
here is what the GA law states:
FAIR CREDIT REPORTING ACT
Employers have specific duties when using a consumer credit report for hiring or employment purposes. An applicant or employee must give written consent to the employer before the employer obtains a credit report. Additionally, the employer must provide the employee or applicant with a copy of the report and a summary of their rights before the employer can take any adverse action based on the credit report.
I just dont understand why they wont hire me becouse of that, im well more then quilified with 15 years experience IN FEILD, but becouse of bad credit I cannot get the job. Is that right? it just dosnt seem fair, in this day and age when the credit ratings on everyone is going down... who can get hired anymore?
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We haven’t learned to deal properly with information yet. Too much information that people don’t need can cause all kinds of problems.
This is ridiculous but it happens. Our freedoms are being eroded by an overabundance of and the misuse of information.
Potential employers use credit reports as an indicator of your reliability.
A person has taken loans out with a promise to pay. Credit cards weigh in heavily due to the fact they are unsecured debts. If you don’t pay, the lender can’t reposess anything, thus it’s your word that you’ll pay. Having a car reposessed in an incentive to keep your word and pay each month. In short, c/card companies are relying on you to keep your word.
Unfortunately, the credit report doesn’t always tell the whole story. The employer doesn’t see the reason for the late payments, just the fact they’re there. I’m sure they didn’t give you the opportunity to explain the report, just made a decision and moved on.
Not getting hired is not an "adverse" action. If you were employed and then fired when they reviewed your credit, that would be different story.
If the nature of the job requires "reliable" or "trustworthy" people, then it’s pretty much an employer’s duty to go over applicants with a fine tooth comb. A credit report doesn’t show the difference between an unlucky victim and a common deadbeat ,so you’re out of luck unless you know someone who can put in a good word for you there.