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  1. #1
    Join Date
    Dec 2005
    Location
    California/Nevada
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    3,725

    You need to have good credit when you apply for a job

    You need to have good credit when you apply for a job, because if you don't that means you have money problems and you're going to steal everything that is not nailed down.

    "I bet i can get tree-fiddy for that stapler at a swap meet!"



    .

  2. #2
    Join Date
    Feb 2012
    Posts
    1,268
    I believe that this is one reason unemployment is so high....yes companies have the right to hire who they want and there's nothing wrong with that...but not very many people have great credit these days.

  3. #3
    Join Date
    Jan 2001
    Posts
    8,248
    There was an article in our paper today where a girl working for one of these maid services got caught stealing jewelry..... and a few months ago this same gal got fired and arrested for stealing jewelry from another home...at another employer.

    Fired for stealing....and then she gets another job at another maid service in the same town and gets caught stealing again.....

    She must have outstanding credit.
    YOU SHALL REAP WHAT YOU HAVE _______ SOWN

  4. #4
    Join Date
    Jan 2001
    Posts
    8,248
    Unemployment is so high because companies are downsizing... right now they can force the workers they have to work harder and faster under the threat that there are 50 people standing outside the building just itching to take their job away from them for 2.00 less an hour.
    YOU SHALL REAP WHAT YOU HAVE _______ SOWN

  5. #5
    Join Date
    Aug 2004
    Location
    North Richland Hills, Texas
    Posts
    14,915
    It isn't just concern about employee theft.

    Supposedly there have been statistical studies done that show that people with poor credit ratings are more likely to have personal and/or family issues in their life that can affect their job performance than people who have good credit ratings.
    The people who perform such studies will also tell you that people with good credit ratings generally tend to be more stable and focused than those with poor credit ratings.
    Obviously there are always outliers that don't fit the statistical trends, but their existence doesn't make the conclusions invalid.

    Personally, I reject "one size fits all" policies based on what some math geek actuary in a cubical farm somewhere says, and prefer to evaluate people as individuals.
    If more government is the answer, then it's a really stupid question.

  6. #6
    Join Date
    Sep 2007
    Location
    Boise, ID
    Posts
    4,396
    If a nation expects to be ignorant and free, in a state of civilization, it expects what will never be. (Thomas Jefferson 1816)

  7. #7
    Join Date
    Apr 2007
    Location
    Kaufman county, Texas
    Posts
    10,493
    Quote Originally Posted by mark beiser View Post
    It isn't just concern about employee theft.

    Supposedly there have been statistical studies done that show that people with poor credit ratings are more likely to have personal and/or family issues in their life that can affect their job performance than people who have good credit ratings.
    The people who perform such studies will also tell you that people with good credit ratings generally tend to be more stable and focused than those with poor credit ratings.
    Obviously there are always outliers that don't fit the statistical trends, but their existence doesn't make the conclusions invalid.

    Personally, I reject "one size fits all" policies based on what some math geek actuary in a cubical farm somewhere says, and prefer to evaluate people as individuals.
    This is correct. Having bad credit is a red flag the same way a bad driving record or arrest record is. I also think persons should be evaluated on personal discretion, but the business community at large stick policies in place that over-ride personal discretion in all activity including hiring. They have one of those cubicle farms there at the big companies, they call it the 'human resources department'.

    Cubicle farm,... LOL
    "You boys are really making this thing harder than it has to be". Me

    "I say we just nuke them from space, that is the only way to be sure". Winch from ALIENS, forgot her name.

    Service calls submitted after 3PM will be posted the next business day.

    I give free estimates [Wild Ass Guesses] over the phone.

    My front door is locked. For your personal protection.

  8. #8
    Join Date
    Dec 2005
    Location
    California/Nevada
    Posts
    3,725
    in that case, only hire people who are happily employed, and try to steal them from another employer,
    because if someone is unemployed and unhappy, that's a red flag.


    you know what, only hire people who are rich, because if you hire someone who lives check to check, that's another red flag.


    the only red flags going on this country is Socialism, it's no employers freaking business what someone's credit score is.


    we need to start thinking about having employers complete a written statement of why a candidate was rejected, if you make a statement like "i didn't hire him because he had a bad crdit rating and i though he would be a theif" , you should be sued for slander.

  9. #9
    I think them checking your credit is a little to personal. It's like these companies that want your accese your Facebook to see personal info. What a person does on there off time shouldn't be used against you. IMO

  10. #10
    Here in Michigan unemployment is high, as are forclosures. Often times, this will lead people to make the hard decisions i.e. walk away from a home or file a chapter 7 bankruptcy. They are not bad people to hire, they are simply doing what they have to do to get by. As for not hiring someone for questionable credit, I think is a bad idea and very unfair. People need to be judged on merit and their ability to adapt to adverse situations. Also, if mistakes were made in their life what did they do afterwards, keep making the same mistakes or learn from them, better themselves and move on to bigger and better things.

  11. #11
    Join Date
    Apr 2007
    Location
    Kaufman county, Texas
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    10,493
    Quote Originally Posted by wolfstrike View Post
    in that case, only hire people who are happily employed, and try to steal them from another employer,
    because if someone is unemployed and unhappy, that's a red flag.


    you know what, only hire people who are rich, because if you hire someone who lives check to check, that's another red flag.


    the only red flags going on this country is Socialism, it's no employers freaking business what someone's credit score is.


    we need to start thinking about having employers complete a written statement of why a candidate was rejected, if you make a statement like "i didn't hire him because he had a bad crdit rating and i though he would be a theif" , you should be sued for slander.
    Marital status is another red flag. Single men have more flexibility so can be considered less 'stable'.

    Not saying any of this is fair, just how it is.
    "You boys are really making this thing harder than it has to be". Me

    "I say we just nuke them from space, that is the only way to be sure". Winch from ALIENS, forgot her name.

    Service calls submitted after 3PM will be posted the next business day.

    I give free estimates [Wild Ass Guesses] over the phone.

    My front door is locked. For your personal protection.

  12. #12
    Join Date
    Aug 2012
    Location
    Gainesville, FL
    Posts
    325
    A full credit file says a lot about a person and stretches over many years. It shows how responsible they have been over the years. Granted, an otherwise responsible person may have had a foreclosure or repo in the last few years due to a poor economy; but if you pull someone's credit and they have charge-offs and judgements and evictions every other year going back ten plus years maybe that isn't the guy you want making decisions for your company. You don't pull a prospective employee's credit to look at his beacon score; you do it to look at the history of decision making.

  13. #13
    Join Date
    Apr 2007
    Location
    Kaufman county, Texas
    Posts
    10,493
    Quote Originally Posted by Pete838 View Post
    A full credit file says a lot about a person and stretches over many years. It shows how responsible they have been over the years. Granted, an otherwise responsible person may have had a foreclosure or repo in the last few years due to a poor economy; but if you pull someone's credit and they have charge-offs and judgements and evictions every other year going back ten plus years maybe that isn't the guy you want making decisions for your company. You don't pull a prospective employee's credit to look at his beacon score; you do it to look at the history of decision making.
    When you fill out a job application, do they get your credit score or your full credit history? Including what??
    "You boys are really making this thing harder than it has to be". Me

    "I say we just nuke them from space, that is the only way to be sure". Winch from ALIENS, forgot her name.

    Service calls submitted after 3PM will be posted the next business day.

    I give free estimates [Wild Ass Guesses] over the phone.

    My front door is locked. For your personal protection.

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