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Mykle Ykle

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Should employers not hire you or fire you when they discover your bad credit history?

It has been a sad situation for me and many others in the USA (I don't know if this is an issue worldwide) I have great qualifications and work experience. Yet, in the majority of states you are obligated to submit to a criminal background check which is completely understandable, but that also includes a credit check. I understand that a credit check should be mandatory for executive, banking, casinos and industries directly involving money. Sadly, those of us with bad credit are being discriminated for regular jobs i.e. retail, call centers, customer service.

The government, banks and debt collectors wants their money, as they should. Yet, if you have bad credit, it's a lot harder to find a job making it impossible to get out of debt, let alone be a productive citizen.

This is an issue that is not widely discussed, I've searched online and there are some bills being proposed to end this discrimination but I don't think is really going anywhere.

I would like to have the TED community input in the most civil way possible.


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  • Feb 6 2013: Employers should have the right to hire or fire employees based on any criteria they want. It won't always seem fair to the employee, but basically being forced to associate with (hire) employees that are not what the employer would prefer is unfair too. Also, if you are working for a company where you aren't wanted, whether the reason makes sense or not, you aren't likely to get promotions or raises as fast if at all. It is better to go where you will be appreciated.
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      Feb 6 2013: corollary to that: if any state or the federal government interferes with that process, it is immoral. and in some cases, like the case at hand, can be devastating to certain individuals.
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      Feb 6 2013: Hello Robert, I understand employers can hire of fire based on any criteria. Of course you should work where your wanted, but again, with this credit check limitation (which honestly affects mostly the hiring end) it's hard even getting to work where you're wanted. I went through a 3 interview process successfully, passed the drug tests, etc. Ultimately was denied the position due to my credit check and it wasn't even a position requiring good credit which is something mentioned on the requirements. It just seems unfair, your credit history should definitely be part of the EOO criteria for some.

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