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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: Should one be hired for a bad credit record? - Yes

    Should one be hired for a criminal background? - Yes, but it depends where and for what.

    Having a bad credit record shouldn't be of any interest to employers. because your work for a pay-check. one works from 9 to 5, Mon to Fri, one got paid, and that all... one has all the rights to do with that money during the weekends.
    you can spend that money on casino or on anything.
    but if you keep doing well at work, I don't see any problem.

    for the criminal background, it depends on what one has done and where one want to work.
    say you were a good programmer and something went wrong and you did something that made you to regret, this may affect on your professional life in that field, but you sill can do anything else. (ex: shelving books in a store or in library)
    but if your criminal record is on stealing, that will be hard, yet you should sill have all the rights get a job, which will allow you to make it right.

    sadly enough today's employers seek for qualifications instead of motivation. your qualities do the job right, but your motivation does the right job.

    through my experience I learnt one thing: If no one is going to give you a job, create one for yourself (and the others).
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      Feb 6 2013: Thanks a lot for your opinion Edwin. I agree with you completely.

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