Bill to Ban Credit Checks in Hiring Process

Discussion in 'Current Events' started by draper, Jan 26, 2011.

  1. draper
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    draper Member

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    I was asked yesterday by one of the cons on here about "what is the man doing to keep me down" Well, me personally, nothing. I'm employed and not "kept down" and frankly I don't think I ever said that I was. However, I found this article and found the bill to be a good idea. Many unemployed people are kept from being hired by the credit check process.

    WASHINGTON -- For many of the 6.4 million Americans who have been unemployed for six months or longer, the prospect of finding a new job is daunting enough with a massive employment gap on their resumes. Checkered credit histories can be an even greater hurdle to clear.

    In a move that may even the playing field for some of the long-term unemployed, Maryland State Delegate Kirill Reznik (D-Germantown) introduced a bill on Friday that would prohibit Maryland employers, with a few exceptions, from using a person's credit history as a screening tool for hiring and retention decisions. The Germantown delegate introduced the same bill last year without success, but similar legislation has now passed in Hawaii, Illinois, Oregon and Washington.

    Maryland House Bill 87, called the Job Applicant Fairness Act, exempts financial institutions, including banks and credit unions, and law-enforcement agencies that are required to perform credit checks. Reznik told HuffPost that the legislation is mainly intended to help blue-collar workers.

    http://www.huffingtonpost.com/2011/01/26/maryland-job-applicant-fairness-act_n_814154.html

    Your thoughts?
     
  2. Willworkforcrak
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    Willworkforcrak BANNED

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    Thank god man, credit cards are the scum of the earth and debt collectors are the devil.
     
  3. Zoom-boing
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    Zoom-boing Gold Member

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    I think if I'm a business owner hiring employees I want to know how reliable they are and a credit check helps me find this out. If they are consistent in paying bills on time and don't hop from credit card to credit card, that will likely mean they will be a consistent employee who won't hop out of the job. If their credit history is bad/poor and/or they hop around from card to card frequently . . . I'd be wary of hiring them. I'd check their references as well; this just gives me another checkpoint, as it were. No, having crappy credit doesn't necessarily mean they'd make a crappy employee . . .but if I were a boss looking to hire? I'd hire someone with a background that checks out to be sound. Generally, it speaks to the kind of person they are and how responsible they are, which speaks to the kind of employee they'd make, imo.
     
    Last edited: Jan 26, 2011
  4. draper
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    draper Member

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  5. Willworkforcrak
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    Willworkforcrak BANNED

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    Credit debt isn't just about bad credit cards doofus, but medical bills or auto repairs. Some people just don't have the money and this is probably why they are seeking employment.

    In this day and age if someone doesn't have one tarnish on their record I highly doubt they be looking for a job.
     
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  6. Care4all
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    Care4all Warrior Princess Supporting Member

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    I don't think employers should have the right to ones personal information.....such as a credit check, if it does NOT relate to the job being hired for in a direct manner.

    I have hired a gazillion employees over the years working and NOT ONCE did I need a potential hire's credit score or credit report, to make a decision on whether they would be a good employee for the job tasked.
     
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  7. Zoom-boing
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    Zoom-boing Gold Member

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    What part of ' If they are consistent in paying bills on time' don't you understand? :cuckoo:

    Negged for the doofus remark; totally uncalled for neeewb.
     
  8. Willworkforcrak
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    Willworkforcrak BANNED

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    You know exactly what I'm talking about.

    Don't call me a newb jackass
     
  9. Madeline
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    Madeline BANNED

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    Zoom-boing, I can see where the credit report would be superficially appealing. But let's say you are hiring a hair stylist...can you explain in simple terms how someone with a higher credit score is more likely to make a satisfactory employee? You may "believe" that someone with a high credit score is more likely to make a good employee -- but wouldn't a check with previous employers tell you more relevant information? Isn't it also possible that someone with a bad credit score/report might be more motivated and thus, the better employee?

    It is pretty obvious how someone looking for work with a crappy credit score/report could be harmed...so what is the counterbalancing benefit to employers, IYO?
     
  10. MaggieMae
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    MaggieMae Reality bits

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    I don't see how a ban could stop getting a credit check. If a potential employer knows a person's SSN, he can do it anyway. If the applicant refuses to give his/her social, that's going to be a red flag and probably won't be offered the job even before any credit check.

    Personally, I think it's an abominable practice because a person's credit history (good or bad) results from a whole bunch of factors which are, frankly, nobody's business except the applicant's.
     

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