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I think it is reasonable to get a credit check on anyone that is supposed to pay you for something, over time.

I have a real problem with the concept of credit checks to get employment. As a contractor, I've been subjected to three in two years. It disgusts me. And the excuse is that they fear a person with "bad" credit is a security risk - except I hold the keys to no more secure data than pretty much anybody else here. It is really just a ruse.

But with the ramping up real estate crash, there are going to be so many highly qualified potential employees with "bad" credit that the companies will have to ignore the credit check except for the most dire cases.

I have held a security clearance for over 40 years. The Government runs a credit check on me every 6 months. 15 Years ago, I was late on a couple of mortgage payments because my job had me in an isolated overseas location and I forgot to set up an automatic payment. When I returned, two investigators from DISA came to my office and asked me to explain the late payments.

I'm not complaining. My job requires me to have access to some very sensitive data and the people responsible for the safeguarding of that data must be very careful. Debt problems could indicate risky behavior that could pose a threat to that data.