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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: Mykle,

    To be honest I think I would agree more with laws of this nature if we, as employers, were given more leeway to try employees for 30,60, 90 days etc without penalty. However, in our State (Washington) and elsewhere in the U.S. If we hire someone even for a day and let them go, that individual can file for unemployment against our company. Unless we can prove they lied, broke the law, or were purposely attempting to hurt the company or its employees then we get hit with the unemployment penalties. It is such a headache that most employers roll their eyes, bite their tongues and move on.

    It is sad to see people take advantage of the system this way but it makes us have to be much more careful in hiring.
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      Feb 6 2013: ¨I think I would agree more with laws of this nature if we, as employers, were given more leeway to try employees for 30,60, 90 days etc without penalty.¨

      I think people in my position would be more than ok with this.
    • Feb 6 2013: I think your idea of hiring someone for a trial period is a great idea. In the USA, this might be a good time, due to our current high unemployment, to enact this reform into law.

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