Are You More Or Less "Free" In A Society That

[MarcATL]

You don't get it now, and you probably never will.

Continue following and worshipping Big Corp. dude.

 

[DiamondDave]

Freedom does not mean the freedom from the consequences of your actions

 

[MarcATL]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

 

[Madeline]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

Yes. And using credit ratings to deny applicants jobs is irrational, un-American and IMO should be an illegal invasion of privacy.

 

[MarcATL]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

Yes. And using credit ratings to deny applicants jobs is irrational, un-American and IMO should be an illegal invasion of privacy.

OK, fine. Are you aware or do you think that the USA is increasingly heading more and more in that direction for all employment opportunities?

 

[DiamondDave]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

No

Freedom does not mean freedom from the consequences of your actions

 

[MarcATL]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

No

Freedom does not mean freedom from the consequences of your actions

There you have it folks, the punitive mindset of the RW nutjobs.

Thank you for your honesty.

 

[manifold]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

No

Except perhaps in the same way that it restricts a person's freedom to have to not kill anybody in order to stay out of jail.

 

[DiamondDave]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

No

Freedom does not mean freedom from the consequences of your actions

There you have it folks, the punitive mindset of the RW nutjobs.

Thank you for your honesty.

There you have it folks... an idiot who thinks that freedom is the freedom from your mistakes, putting the responsibility on someone else

Go play in traffic, you racist nutjob

 

[Two Thumbs]

Essentially REQUIRES an individual to have good credit to do/have practically anything.

Aka, an abode, whether rent or own, a car, access to loans (well, this one more understandable), and many other things that decades ago was not necessary.

I see the point you are trying to make, and this is a very good question.

Decades ago a mans handshake ment everything. He gave his word, if he breaks it, he's less of a man in the eyes of society, and as word gets around he will have a very hard time proving his word is worth anything.

So your word was your credit score.

Today, your credit score dominates all costly products (house, car, land, etc.) And the rules for ways of building credit are out of hand. You used to be able to get good credit by paying things off with checks and having the money in your account to cover the check.

A teacher of mine claimed he built credit up by buying a pack of gum everyday with a check.

And somehow, it's become better to have bad credit than no credit. I will use myself as an example. Every few years I use my tax return to buy a car, no loans, it's mine. I've paid rent for ~15 years, only time I was late was when I had surgery, same for bills. So I was stocked when I wanted to buy a house, it was 5 bedrooms, LR DR FR, attic and celler with a garage and shed with a nice yard that we knew we could get for $85K!!!

But even though my word is good, they wouldn't even bother to go over the loan information with us at all, it didn't matter that the morgage with taxes and increase ins cost would have been less than what I was paying then. All b/c I had no credit.

Banks have way to much power and control of our lives. When wealthy banks go begging for billions they can't tell me my word is no good.

 

[DiamondDave]

7 fast fixes for your credit scores - MSN Money

 

[Two Thumbs]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

Sorta,

Bad or no credit will not keep you from getting a job. However it may prevent you from getting certain jobs.

I didn't get hired to a great job b/c I had no credit. Part of the job required paying my way with a company credit card and keeping track of what I was buying. Since I had no history of CC use, I didn't get the job.

But that is not a restriction of freedom.

 

[MarcATL]

Essentially REQUIRES an individual to have good credit to do/have practically anything.

Aka, an abode, whether rent or own, a car, access to loans (well, this one more understandable), and many other things that decades ago was not necessary.

I see the point you are trying to make, and this is a very good question.

Decades ago a mans handshake ment everything. He gave his word, if he breaks it, he's less of a man in the eyes of society, and as word gets around he will have a very hard time proving his word is worth anything.

So your word was your credit score.

Today, your credit score dominates all costly products (house, car, land, etc.) And the rules for ways of building credit are out of hand. You used to be able to get good credit by paying things off with checks and having the money in your account to cover the check.

A teacher of mine claimed he built credit up by buying a pack of gum everyday with a check.

And somehow, it's become better to have bad credit than no credit. I will use myself as an example. Every few years I use my tax return to buy a car, no loans, it's mine. I've paid rent for ~15 years, only time I was late was when I had surgery, same for bills. So I was stocked when I wanted to buy a house, it was 5 bedrooms, LR DR FR, attic and celler with a garage and shed with a nice yard that we knew we could get for $85K!!!

But even though my word is good, they wouldn't even bother to go over the loan information with us at all, it didn't matter that the morgage with taxes and increase ins cost would have been less than what I was paying then. All b/c I had no credit.

Banks have way to much power and control of our lives. When wealthy banks go begging for billions they can't tell me my word is no good.

Looks like you pretty much get it here.

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

Sorta,

Bad or no credit will not keep you from getting a job. However it may prevent you from getting certain jobs.

I didn't get hired to a great job b/c I had no credit. Part of the job required paying my way with a company credit card and keeping track of what I was buying. Since I had no history of CC use, I didn't get the job.

But that is not a restriction of freedom.

Not-so-much here.

You don't find this a restriction of freedom, but you find other things a restriction of freedom...like healthcare for all... interesting.

It's becoming more and more apparent to me that individuals seem to have a VASTLY different idea or concept of freedom.

 

[Bern80]

You don't get it now, and you probably never will.

Continue following and worshipping Big Corp. dude.

It seems you don't get it. It's not my fault you can't articulate your argument. So explain it to me. I'm a pretty patient person. What freedoms are being taken from peope on the basis of their credit?

 

[Two Thumbs]

Not-so-much here.

You don't find this a restriction of freedom, No, I got another job. restricting my freedom based on my credit would require a law, or all companies working together to keep people w/o good credit from getting jobs.but you find other things a restriction of freedom...like healthcare for all... interesting. Healthcare is not a right, it is not a civil right, it is not a human right. To get HC for all you must take from others. You nor anyone else has the right to take from me to help another. The only way I would support taking from anyone is that we all get the same amount taken for getting the same thing.

It's becoming more and more apparent to me that individuals seem to have a VASTLY different idea or concept of freedom. There's around 125 million Americans.

 

[Madeline]

Does it restrict a person's freedom to have good credit in order to get a job...yes or no?

Yes. And using credit ratings to deny applicants jobs is irrational, un-American and IMO should be an illegal invasion of privacy.

OK, fine. Are you aware or do you think that the USA is increasingly heading more and more in that direction for all employment opportunities?

Honestly? I think it is all part of the Big Lie. That "Big Business is your friend" and if you can't get a job, it's your fault, not the shit economy. One more way to exclude and ignore and marginalize millions of Americans.

I can see DOD requiring a solid credit report on employees with Top Secret security clearances, because some people with bad ones are in debt they cannot handle and may be more vulnerable to a bribe from an enemy of the country.

I cannot see WTF a credit rating has to do with a job welding, or managing a K-mart or nursing....especially if the credit problems are not the applicant's fault or were due to factors outside his control.

Blaming and shaming the worker so that he is isolated and fearful and won't rise up against the Big Business.

We've seen this type of tactic used before, Marc.

 

[shintao]

7 fast fixes for your credit scores - MSN Money

Pretty good article. You need to clean your credit up probably 6 months prior to buying an expensive item you need the credit score for. You want to get your credit scores from the 3 Wheels: Experian, TransUnion & Equifax. Then leave those sources alone & get any information you need from the internet. Try not to do anything that will trigger a corporation checking your scores, such as getting another credit card. Get the cards first before you check your credit scores. The more times your credit score accounts are checked, the more it can lower your score!!!

Now, not mentioned in the article is way to boost your credit rating by 100-300. It is called piggy backing, where you use someone elses excellent credit to boost your own as well. A trick used among the affluent is to get their kids credit cards for simple purposes, and this helps them get established. Then parents add their children (their SS# & the parents card numbers) onto their own credit accounts. If you have a relative willing to help you, problem solved. It doesn't make anything else go away, but it burys it in good credit.

What this does is send a letter to the 3 wheels, and they add whatever credit the parents signed (added them to) for, onto the kids 3W accounts. It just shows there on the 3 accounts that they are now holders of new credit. The 3 wheels have no idea how this happend and don't care. The parent never has to give the child a card or whatever. Then after about 4 months the 3W accounts are checked to insure the credit is there.

Then the parent takes the kids name back off his own credit, BUT the credit scores remain there forever on the childrens cards. And each card is worth about 50-100 points on the credit scoring.

There are actually broker companies where you can buy other people's credit, have it added to your own scores, for about $100. per card. This is entirely legal.

In other cases, lets say you have a nagging debt from several years back. It was probably turned over to a collection agency, who hounded you for 6 months, then they bundled it with other non-payers and sell the bundle to another credit collector firm. This process continues and shit happens, so information needed to get you the pay disappears. The original business dumped their records after 1-2 collection agencies failed, and maybe wrote it off as a bad debt, one you still owe. And it set their on the 3Ws score board.

So what you do is contact the current company hounding you and deny you made the purchase, and you want loan numbers, the exact name on the account, what day it was purchased, what the item was, the number of the item was, etc. Hound them. If they cannot produce the information to prove you owe the debt, or made mistakes, you can have the 3Ws take that off your credit record.

I recommend anyone wanting to clean up the their records, do some internet reading, join a few forums and seek help, a lot of it is free, and you don't need no one but yourself to clean it up. And you can do a better job than an agency can.

Look at Donald Thrump, is he hurting? No, the guy hurting is the one who played by the rules.

 

[Madeline]

You heard it here first:

My crystal ball tells me you will soon (say, within 5 years) be denied the following if you do not have a "good credit score", a number that BTW will keep rising.......

* College and grad school admissions.

* Life and health insurance (private policies, not employer groups).

* Parole, should you happen to be incarcerated and BTW, a good credit rating will get someone kicked back to us civilians faster no matter how irrational that decision might be.

* Eligibility for promotion in the military.

* You ability to hang on to your job. Look for your credit score to become a subject of discussion in annual performance reviews at Big Companies.

I think this is gonna catch on like wildfire and as long as you geniuses think "it's the fault of the guy with bad credit and he needs to fix it all by himself", you are so screwed.

BTW, look after the credit reports on your babies after one year and every year thereafter...the annual reports are free, you only have to request them.

 

[manifold]

You heard it here first:

My crystal ball tells me you will soon (say, within 5 years) be denied the following if you do not have a "good credit score", a number that BTW will keep rising.......

* College and grad school admissions.

* Life and health insurance (private policies, not employer groups).

* Parole, should you happen to be incarcerated and BTW, a good credit rating will get someone kicked back to us civilians faster no matter how irrational that decision might be.

* Eligibility for promotion in the military.

* You ability to hang on to your job. Look for your credit score to become a subject of discussion in annual performance reviews at Big Companies.

I think this is gonna catch on like wildfire and as long as you geniuses think "it's the fault of the guy with bad credit and he needs to fix it all by himself", you are so screwed.

BTW, look after the credit reports on your babies after one year and every year thereafter...the annual reports are free, you only have to request them.

Fear mongering, it's not just for republicans anymore.

 

[MarcATL]

You heard it here first:

My crystal ball tells me you will soon (say, within 5 years) be denied the following if you do not have a "good credit score", a number that BTW will keep rising.......

* College and grad school admissions.

* Life and health insurance (private policies, not employer groups).

* Parole, should you happen to be incarcerated and BTW, a good credit rating will get someone kicked back to us civilians faster no matter how irrational that decision might be.

* Eligibility for promotion in the military.

* You ability to hang on to your job. Look for your credit score to become a subject of discussion in annual performance reviews at Big Companies.

I think this is gonna catch on like wildfire and as long as you geniuses think "it's the fault of the guy with bad credit and he needs to fix it all by himself", you are so screwed.

BTW, look after the credit reports on your babies after one year and every year thereafter...the annual reports are free, you only have to request them.

You got it.

But, as you can see, the wingnut see this CLEARLY coming thing as "fear mongering."

This is because they look at these issues in the lense of "I gotta protect my stuff from the others." And we all know who those "others" are.

Low-Information people crack me up.

Sad though.