Do you agree...

[countrygirl12]

Most places you try to get a job these days want to do a credit check on you.  Personally I do not agree with this.  Why do you need to do a credit check on somebody before you hire them.  You legally cannot use this info to decide if you are going to hire them.  Although it most certainly IS used.  I do not see why any potential employer would need to run a credit check on a person before they can hire them.

My credit score is off the charts but no employer needs that info about me.

What do you think? Would you be okay with potential employers running your credit?

[lywb2168]

I agree, I find it funny, that they want to check your Credit, they say that they check to see if you are reliable, but if you have bad credit because you were out of a job, How do they expect you to get your credit better if they won't hire you.  I believe it is bad.   how can you be reliable if they do not give you a chance by hiring you so you can pay bills and get a better credit.  My credit report is pretty decent but I do no t think that it is right for them to check your credit, nor do I believe that they should ask and check your Social media accounts.  It is not right

[bretay]

i dont think its right...my daughter went to work in a bank and they checked credit..and several other places she applied for..even some that has nothing to do with any kind of money at all...i personally dont thik your credit should be held against you like that..there are some circumstances beyond your control...someone else could have messed up your credit..

[braggin]

I would be OK with a potential employer doing a credit check on my but that's because I have excellent credit. If my credit wasn't that good, I'm sure I wouldn't be too happy about it.

[dwggs]

I agree.  I do not think it is unnecessary for a future employer to do a credit check.  Let's face it .. they are going to "pay you" to do a job .. you are not paying them.

[countrygirl12]

I agree, I find it funny, that they want to check your Credit, they say that they check to see if you are reliable, but if you have bad credit because you were out of a job, How do they expect you to get your credit better if they won't hire you.  I believe it is bad.   how can you be reliable if they do not give you a chance by hiring you so you can pay bills and get a better credit.  My credit report is pretty decent but I do no t think that it is right for them to check your credit, nor do I believe that they should ask and check your Social media accounts.  It is not right

That was my thought on the credit.  And they cannot use it against you so why do they need to do it. But if you say no then you are dismissed as a candidate.  I don't see how that proves you are reliable either.  Like you said something can happen and it doesn't take much for somebody to get behind on a couple payments then it can be almost impossible to get caught back up.  And it takes a couple years for something bad to come off.  I also am curious what all they can see.  Just a credit score? Or where you owe money because that is none of their business.

As far as social media accounts if anyone ever asked me for my passwords I would tell them where to get off.  As for checking they can run your name thru Facebook or whatever but they are not suppose to use that against you either.  I guess it shows character or whatever. But a lot of people post stuff that lets others know where they stand religiously, politically and that most certainly will be used against you.

[countrygirl12]

i dont think its right...my daughter went to work in a bank and they checked credit..and several other places she applied for..even some that has nothing to do with any kind of money at all...i personally dont thik your credit should be held against you like that..there are some circumstances beyond your control...someone else could have messed up your credit..

In a bank I can understand. But at a job like Walmart - no.  Most times bad credit is your own fault. Not because you were impersonated. But I am pretty sure it is against the law to use that info against you so my question is then WHY do they need it to start with.

[pectacon]

I don't understand how that information is relevant anyway. They're going to be paying you to do a job, what does it matter when you will not be in a position of owing them money?

[squirrelgirl44]

I guess it depends the line of work. Maybe if it was something that required handling sensitive financials? I have never had a potential (or current) employer run a credit check.

[linderlizzie]

Better than them asking about your sex life when you interview.  That happened to me once. 

[makeblessed]

I  am retired but  would have been ok  with it, depending on the type of job; I was applying for. I think  jobs in banks and perhaps retail may required them because people will be handling money on a daily bases; however to disqualify someone because of their credit score would be devasting because that may be the best person for the job who just had or has a temporary bad   break in life; sometimes life is not kind regardless of how hard ones trys to control it.

[countrygirl12]

Better than them asking about your sex life when you interview.  That happened to me once. 

Uh wow.  How did you respond.  I did have a job once that when you sign the papers to get the job it had some stuff in there like. I was like uh wow.

[dreamyxo]

If you're a deadbeat with your credit maybe you'll be a deadbeat on the job.  If you're not the kind of person who can be trustworthy to maintain good credit them maybe you'll be a bad employee.  Maybe that's their reasoning. 

[annadote]

The only reason I could think is that a really bad credit record, or on the other end, a really great credit record could demonstrate something about your responsibility. But maybe I don't know enough about HR to say for sure. Still, it's kinda creepy that they do that and I hope it is only a soft check that shouldn't affect your score when they do it.

[countrygirl12]

If you're a deadbeat with your credit maybe you'll be a deadbeat on the job.  If you're not the kind of person who can be trustworthy to maintain good credit them maybe you'll be a bad employee.  Maybe that's their reasoning. 

Well here is the thing. Just because you have a low credit score or bad credit does not mean you are a dead beat. And they cannot deny you employment based on the credit report anyway.

Okay, here is an example. A man worked a good job in a factory. He made good money.  His daughter got cancer. He missed a lot of work. Finally he is told your FMLA is depleted. Either work or the days count against you. They knew the situation. He missed more days. He was fired from his job. Before long all savings are depleted as well. People in the community are doing their best to help with food and housing but still bills got behind.  Things were turned in on his credit.  His credit score dropped.  Now his daughter has died, his credit is ruined, and I guess he is a dead beat because he chose to spend the last days of his daughter's life with her rather than at work. Oh yeah he also ended up losing his home. So I guess that line of thinking is correct.  He is a deadbeat unworthy of hiring because he has bad credit.  Makes perfect sense to me.