just wondering (not to be rude or inappropriate)

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(I'm an attorney).

Then you should know that what you are suggesting is discriminatory.


First, I am not suggesting anything. I was actually just stating that companies can certainly check credit history as a qualification for being hired. Just like some companies check driver's records, criminal history, or have drug testing as a qualification of hiring. I'm not suggesting they do it, just stating a fact. You may not like it, but companies are within their rights to do it.

Secondly, while some may feel it is unfair, it is not discriminatory. To have a claim for discrimination, you have to be a member of a "protected class" of people. I'm not going to go into that here (nor will I get into a heated debate about this), but discrimination deals with race, gender, age, sexual orientation, disabilities, etc. Economic status is not something the law protects.

Personally, I don't love the idea of companies basing hiring decisions on economic history (b/c I know people who have had credit issues in the past, but are responsible and have good work ethics), but I do understand why certain companies would use that as a basis for hiring - like others have said here, many companies see it as a measure of responsibility and/or a red flag for potential loss liability.
 
They do a background ck....you have to pass it in order to get a job there. One of my friends had a bankruptcy on her credit report and she didn't get hired.
It is true.
Last March, I had an interview at the Coach outlet nearby and got the job.
But, because Corporate in NY did a credit check and I did not have perfect credit at the time, they denied me the position!:crybaby:


Oh well, I still go in there and they are super great to me!
 
It is true.
Last March, I had an interview at the Coach outlet nearby and got the job.
But, because Corporate in NY did a credit check and I did not have perfect credit at the time, they denied me the position!:crybaby:

I honestly have never heard about us doing a credit check, I know we do a check from a company who does a criminal check but i'm not sure of the other but I heard it's just a normal backround check (not a credit one).


does anyone know what the absolute youngest hiring age is? :graucho:

18
 
First, I am not suggesting anything. I was actually just stating that companies can certainly check credit history as a qualification for being hired. Just like some companies check driver's records, criminal history, or have drug testing as a qualification of hiring. I'm not suggesting they do it, just stating a fact. You may not like it, but companies are within their rights to do it.

Secondly, while some may feel it is unfair, it is not discriminatory. To have a claim for discrimination, you have to be a member of a "protected class" of people. I'm not going to go into that here (nor will I get into a heated debate about this), but discrimination deals with race, gender, age, sexual orientation, disabilities, etc. Economic status is not something the law protects.

Personally, I don't love the idea of companies basing hiring decisions on economic history (b/c I know people who have had credit issues in the past, but are responsible and have good work ethics), but I do understand why certain companies would use that as a basis for hiring - like others have said here, many companies see it as a measure of responsibility and/or a red flag for potential loss liability.


Totally agree. Credit Checks are not discriminatory at all. The EEOA deals with everything you stated. Unfortunately if you have bad credit it's possible that that can be a determining factor for you not receiving employment. It's a potential loss for money making businesses.

Of course there are people who have legitimate reasons for bad credit (mainly because of medical bills), but it's still the company has to be willing to take that risk. It costs a company a lot of money to hire a new employee. They are hoping that person will be there for a while, so they must make sure that person is responsible enough to do that.
 
I agree, it isn't discriminatory. Just like in insurance, business is all about predicting risk. Someone with bad credit, is at a higher risk for being irresponsible and not one to be counted upon. Not saying that it is true, but it's all about the likelihood. Statistics are quite often used for things like this. They don't apply to everyone individually, but they do to the majority, and most companies don't have the time, or inclination to speak to each person on a case by case basis, to find out why their credit is bad.
 
:crybaby: I want to apply for a job at Coach, but DH doesn't want me driving that far for a job... (It's only 15 miles!!!) Well, besides I don't think they are hiring... Apparently not too many places are around here... *sigh*

Have to find a job soon, otherwise I am on ban for real...:sweatdrop:

Good luck in your job hunt!! Hope it is going better than mine...
 
^^^^ just FYI, but companies can (and many do) look at someone's credit history as a qualification for hiring (I'm an attorney).

I will ditto this!

I, until recently, was an assistant to a Private Investigator. I did background checks for Employers all over the country. Criminal, employment and credit.

Many companies, especially those handling money or things worth a lot of money, will do a credit check. However, they have to get your permission to obtain that credit check. And they can decide to not hire someone based on a bad credit report.
 
^^^^ just FYI, but companies can (and many do) look at someone's credit history as a qualification for hiring (I'm an attorney).

Really? My boss told me it was illegal. I wonder if it varies by state or if she just didn't know. Anyway, thanks for letting us know. I hate giving wrong information. :laugh:
 
^I think it may be a state to state basis, I know in Illinois working in HR you could only ask certain questions when asking for references, but then other states could ask anything they wanted.... (We would receive faxes for references from other states and it would have ?s we couldn't answer.)

As far as our background checks, at the company I was at we only screened for a criminal background, but I'm not sure whether there was anything prohibiting credit checks in Illinois or not... Personally, if someone was working in certain types of positions (i.e. positions of a financial or consultant nature), I think it makes sense to have a credit check... but I guess I'm saying too much by saying that...
 
don't credit checks, etc depend on the position you're applying for? like, for a part time sa, it may not really matter...but for a manager, they look at that sort of thing.

i could care less if they check my credit. it's not great, but not bad...(wonder if it would help with the job if i said the reason my credit isn't so great is because i spent all my money at coach! lol)
 
don't credit checks, etc depend on the position you're applying for? like, for a part time sa, it may not really matter...but for a manager, they look at that sort of thing.

i could care less if they check my credit. it's not great, but not bad...(wonder if it would help with the job if i said the reason my credit isn't so great is because i spent all my money at coach! lol)


haha...I wonder how they would respond to that one!
 
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