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Credit checks: A civil-rights issue?
MSN Money ^ | 02-05-2007

Posted on 02/05/2007 11:05:36 AM PST by MNJohnnie

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To: Ben Mugged

Within 90 days, you should be able to tell whether a guy can code or not. We hired a guy as a programmer once and put him on the oncall list. The first time he was called, we found out he couldn't code "I'm not really very technical". They moved him to Project Manager. All of that was within 60 days.

I worked with a guy who got cut in 89 days (90 day probation). He was worthless.


61 posted on 02/05/2007 12:47:46 PM PST by AppyPappy (If you aren't part of the solution, there is good money to be made prolonging the problem.)
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To: AppyPappy
We also have that policy. New hires sign a release form indicating they must pass a performance review within 90 days. We dumped this guy.

By the way, we do not perform credit checks on applicants.

62 posted on 02/05/2007 12:51:01 PM PST by Ben Mugged (Always cheat; always win. The only unfair fight is the one you lose.)
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To: Ben Mugged

>>With potential employees lying on their resumes and certain categories of questions not allowed by law, how does an employer screen out the "bad actors" from the applicants with really solid backgrounds?<<

Good question. How did they used to do it?

I like the concept of "innocent until proven guilty". IOW, I think a criminal record check is fine. It will tell them if you have actually done the crime. This is just way too proactive for 99% of the jobs out there. There are exceptions, just as some crimes call for the death penalty. But just as applying the death penalty to all crimes would drastically reduce crime - but be obviously draconian - I think this does the same regarding individual human beings lives.

And our country was founded on the concept of individual rights. Take that away and the country as we know it ceases to exist. But to be frank, I think we crossed that bridge years ago.


63 posted on 02/05/2007 12:52:46 PM PST by RobRoy (Islam is a greater threat to the world today than Nazism was in 1938.)
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To: XR7
Even worse, is how credit card companies are using "universal default" to jack up interest rates on existing debt balances to over 30 percent! (Chase is notorious for this - one of the worst.) They periodically check your credit, and even if you have never made a late payment, if there is a traffic ticket or a late payment on some other unrelated account, they jack up your interest to usurious rates. They got the green light to do that after Congress tightened up the bankruptcy laws recently. And, it's completely legal.

Not owning a credit card is also completely legal. If you don't like the terms, then take your business someplace else, or better yet, pay cash or use a debit card.

64 posted on 02/05/2007 12:53:41 PM PST by Labyrinthos
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To: RobRoy
Yes, I would love to return to a time when we could trust a person's word.

By the way, our company does not perform a credit check until after the applicant is hired. A drug test is required before hire however. You would be surprised at how many applicants know about the requirement to get a security clearance and yet still fail the drug test.

65 posted on 02/05/2007 12:58:44 PM PST by Ben Mugged (Always cheat; always win. The only unfair fight is the one you lose.)
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To: clamper1797
Better yet ... make the credit bureaus FINACIALLY responsible for errors in their reports. ...

I agree completely. No amount of sermonizing is going to move credit bureaus. It's a free country, if they want to score people let them, but if they harm people because of faulty information, they should be liable. They should bear the risk of using bad information whether they knew it was bad or not.
66 posted on 02/05/2007 1:04:51 PM PST by Old North State
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To: Labyrinthos
If you don't like the terms, then take your business someplace else, or better yet, pay cash or use a debit card.

The problem is, I did like the terms. 7.99 percent interest. But then afterwards, they applied the "universal default" rate to the outstanding balance (which was not part of their original offer/terms). It's changing the terms of a contract after the other side has already acted in reliance on your previous bargain. This has brought many people to the brink of bankruptcy.

67 posted on 02/05/2007 1:06:55 PM PST by XR7
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To: Ben Mugged
Yet we could not ask him to compose sample code during the interview.

Is this a state issue? I've had to provide code samples/take a coding test on the last three programming jobs I've had.

68 posted on 02/05/2007 1:13:56 PM PST by rattrap
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To: Ben Mugged

>>Yes, I would love to return to a time when we could trust a person's word. <<

I agree with that, but this issue, IMO, goes much deeper than that. Could you trust a mans word in NY city, in 1960 any more than you can trust a mans word in Seattle now?

Your point does have validity though. As I read somewhere, "The less virtuous a people, the greater its need for laws."

BTW, I've heard that drug testing is on it's way out. Apparently it is not cost effective.


69 posted on 02/05/2007 1:18:17 PM PST by RobRoy (Islam is a greater threat to the world today than Nazism was in 1938.)
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To: rattrap

Might be. Since we are in almost every state, our hiring practices must be compliant with most, if not all, state practices. I'm not in HR so I don't have the answer.


70 posted on 02/05/2007 1:19:49 PM PST by Ben Mugged (Always cheat; always win. The only unfair fight is the one you lose.)
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To: MNJohnnie

Four years ago, I landed in the ER with a raging fever. The doctors almost gave up, but I made it through the night. I was told to forget about returning to work, the infection had damaged my left inner ear, and scarred my lungs. My medical insurance benefits were exhausted the first few days in the hospital. I had some savings, but by the time social security kicked in, after 7 months without income, my savings account was empty.
I have an almost perfect 50 year driving record. All of a sudden, my auto insurance premiums shot sky high. I finally got my agent to admit that the increase was due to my battered credit rating. I doubt I'll ever live long enough to pay off all those bills. I only drive 4 or 5 thousand miles a year, but the insurance premiums I would have to pay just simply make driving each mile a ridiculous expense. I bought a motorscooter, to hell with being robbed.


71 posted on 02/05/2007 1:45:50 PM PST by SWAMPSNIPER (BUAIDH NO BAS, JUST SAY NO TO RINO!)
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To: Ben Mugged
When potential renters apply I have a credit check run on them. If they have a history of not paying their rent, I won't rent to them.

This is different, Harvard was not rent to her but to pay her. More sense would be be if she run credit check on Harvard :)

72 posted on 02/05/2007 2:32:33 PM PST by A. Pole (Otto M. Boskin: "It doesn't make any difference whether a country makes potato chips or computer chi)
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To: GeorgiaDawg32
I know a HR guy and he told me that the company he works for won't even consider an applicant if their credit score is below 700..

They should not hire people with low income.

73 posted on 02/05/2007 2:33:40 PM PST by A. Pole (Otto M. Boskin: "It doesn't make any difference whether a country makes potato chips or computer chi)
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To: SWAMPSNIPER

several years ago, I was out of work for a while and accidentally let my car insurance lapse (I had it with allstate)..when I went in to renew, the agent told me that due to my credit score (out of work AND after a divorce), he was unable to sell me insurance..I asked him why not and he said people with a low credit score we prone to fraud (having their car stolen, burning it, whatever)..I reminded him I was an allstate customer for 24 years with only 3 claims (most expensive one was $500)..he said it didn't matter..

long story short, I got a job finally, moved to texas and went to see an allstate agent..she said georgia was ridiculous since I was a good customer for a LONG time so she sold me a new policy..when I moved back to georgia, my old agent (who had the policy transferred to him and was the one who couldn't/wouldn't renew my policy) immediately called and tried to sell me more coverage...I thought it was truly funny..


74 posted on 02/05/2007 3:14:29 PM PST by GeorgiaDawg32 (I'm a Patriot Guard Rider.....www.patriotguard.org for info..)
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To: GeorgiaDawg32

I've never cost them a cent.


75 posted on 02/05/2007 3:23:46 PM PST by SWAMPSNIPER (BUAIDH NO BAS, JUST SAY NO TO RINO!)
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To: The Worthless Miracle
Credit checks for a job are BS in my opinion, but they are BS for everyone, not just the minorities. If you're going to buy something, credit checks make sense. Again, my opinion.

Credit checks are standardly used for jobs that involve access to cash or financial information. The lady filing suit had a job dealing with financial info.

The reason is that people in financial distress are more likely to be tempted into embezzlement or theft

76 posted on 02/05/2007 3:46:10 PM PST by SauronOfMordor (Never try to teach a pig to sing -- it wastes your time and it annoys the pig)
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To: Ben Mugged
I own a couple of rental units. When potential renters apply I have a credit check run on them. If they have a history of not paying their rent, I won't rent to them. I don't run a welfare office, I'm in it for the money. Not based on race, it's based on the ability/willingness to pay on time and meet their contractual promise to me.

I've been a landlord in both Los Angeles and Seattle, and have yet to have a prospective tenent with decent credit. If I waited for a good credit report person I would never rent anything. Fortunately, I have somehow managed to identify the trustworthy ones and haven't been burned yet (knock on wood).

77 posted on 02/05/2007 3:53:22 PM PST by Cementjungle
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To: SauronOfMordor

"The reason is that people in financial distress are more likely to be tempted into embezzlement or theft"

Which I addressed by saying that for some jobs, I understand it, most jobs I don't. Beyond that, I don't really buy that argument, though it is commonly accepted. I just think people will do what they do, irrespective of their circumstances. Honesty and dishonesty in a person will stay consistent whether they're broke or not, imo.


78 posted on 02/05/2007 6:34:49 PM PST by The Worthless Miracle (I think Jamie Dupree is annoying.)
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To: The Worthless Miracle
Credit checks for a job are BS in my opinion, but they are BS for everyone, not just the minorities. If you're going to buy something, credit checks make sense. Again, my opinion.

Mega Dittos!

79 posted on 02/06/2007 3:43:14 AM PST by MNJohnnie ( If they say "speaking truth to power,"-they haven't had a l thought since the Beatles broke up)
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To: Turbopilot
Mind you, I don't think this is racism, just poor corporate policy.

Mega dittos!

80 posted on 02/06/2007 3:44:50 AM PST by MNJohnnie ( If they say "speaking truth to power,"-they haven't had a l thought since the Beatles broke up)
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