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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: .
    During a certain period of time in my city a few years back there was a severe limit in administration staff.
    It started getting to the point where office companies were vastly understaffed and despite there being dozens of agencies and advertisements for the postions, no one was getting hired.

    The reason? Because the employment model was so strict, inflexible and illogical, that it was near impossible to get hired.
    -You were expected to have 2 years past experience in an office, so no new people in the workforce could join.
    -You unknowingly had to have your c.v and appearence to look in a certain way, so most would fail instantly.
    -You had to have a good credit rating, specific qualifications and a live within a certain distance of the company.

    Eventually the whole thing blew up and the agencies and offices got rid of almost all of the requirements over time because its just plain stupid making all such restrictions to get the 'right staff', when the job merely entails tedious mediocre work.
    Most companies aren't billion dollar global corporations or the height of industry, most are just tiny average companies with little effect to their surroundings and with average pay, so the god complex of expecting flawless staff bites them in the backside eventually for obvious reasons.

    If you're going to be a petty as firing someone because they had money issues a few years back, changed their hairstyle or moved a few streets away then feel free to do so, but I sincerely hope your company suffers financial losses as a result, which it usually does, thankfully.
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      Feb 6 2013: Thanks for your input Xavier

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