Also--how do people who got themselves in a hole get out of it? Should they just live on the street the rest of their lives if it gets deemed acceptable for people to not be hireable because they have a bad credit history? If that kind of thing got deemed acceptable, what are they to do?

So now having a bad credit history is as bad as having a felony record? I know that seems rather extreme, but if it's the difference between being hired and not hired, it really seems like it's amounting to the same thing.

Sorry, but I couldn't fundamentally disagree with your position on this more.

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Political Buddies

As I said, very few jobs that don't handle money do a credit check. So if your argument is its only fair to do a credit check if someone is handling money, then your argument is on behalf of the status quo anyway. The vast majority of employers agree with you. As I said earlier, I've had 9 different jobs in my life. The ones that didn't require me to handle money, even some of the ones that did, didn't do a credit check. Only the most elite jobs I've had required a credit check, and I felt that it was fair.


Getting out of a hole is always hard. Life isn't easy. Having bad credit won't just put you in a hole with certain elite employers. It will make it hard to find an apartment to rent as most landlords do credit checks too, and it'll make it hard to get loans, as lenders don't want to loan to people who won't pay them back.

It is always hard to get out of a hole. If you have bad credit though, you can fix it. Its hard work to fix. But a lot of things in life take hard work. That might not seem fair, but is it fair to the lender if you don't pay them back? Nobody like banks, and I disagreed with bailing them out. But does that make it right to stick it to your lenders, and expect no consequence?

Hopefully you're right about what I'm saying matching the status quo--but I definitely can remember having to have a credit screen when I worked some warehouse jobs.

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Political Buddies

I stand by my original input. It seems invasive. But I don't think that someone as a person seeking employment has a right to decide what a company does as far as credit checks go. I don't see a credit check the same as imposing on someone's civil rights. It's not the same as anti-discriminatory policies and I don't think it negates those. Those were put in place for a purpose that a credit check doesn't trounce.

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Frrrrrt!

It's bullshit. Just another tool to enslave you to debt and your "score" . Soon they'll just ban cash and be done with it.

That is definitely a concern. Like I said in another thread, Apple is disallowing people to purchase some products using cash.

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Political Buddies

I still say that's illegal.

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Frrrrrt!

Do these credit checks take into account something like, say, your ex who ran your credit into the ground behind your back, or the fact that you went into debt due to some big hurricane destroying your home and business?
Or do they just look at the numbers and say "oh, nope...bad credit. Can't hire that person"?