Jobseekers are facing many difficulties in finding employment and restoring their financial health: the pre-employment credit checks, which is being used increasingly often by staffing professional. In their own defense the companies who perform these credit checks says that they are only engaging in due diligence and looking for general red flags such as a lack of trustworthiness or self-control.
However, lawmakers and groups such as the ACLU are saying that this practice interrupts other's privacy, has little to do with performing most jobs successfully, and forces people who have lost their jobs into a downward spiral of debt. For a sign of the times, here's a telling anecdote from recent The New York Times story "Another Hurdle for the Jobless: Credit Inquiries":
Juan Ochoa was delighted when in December a staffing firm recently responded to his posting on Hotjobs.com with an opening for a data entry operator. Before he could do anything the firm checked his credit history and the interest vanished that time only for the firm when there were too many collection claims against him. "I never knew that nowadays they were going to start pulling credit checks on you even before you go for an interview," said Mr. Ochoa, 46, who lost his job in December tracking inventory at a mining company in Santa Fe Springs, Calif. "Why would they need to pull a credit report? They'd need something like that if you were applying at a bank."
Once you reserved for government jobs or payroll positions that could involve significant sums of money, credit checks are now fast, cheap and used for all manner of work. There are forty three percent of companies who conducts this type of pre-employment screening use credit checks for some or all employees according to the survey of Human Resource Management in 2006. The number was at 40% in 2004, and just 25% in 1998. We are almost certainly in excess of 45% today, and it's quite feasible that the number is greater than one-half.
What is the current rule in the U.S. About checking an applicant's credit? Reports Dana Dratch in her article said "States weigh limits on credit checks for employment": In a absent of state law or change in national law an employer can with an applicant's permission pull a credit history and refused to hire an employee even if the information has no relation to the job. And those who are struggling financially simply because they are out of work; legislators are seeking to prevent something they see as needlessly punitive.
The bill does make allowances for credit scores to be checked within some limited category of employment, such as job involving national security or a large amount of financial responsibility. The ability to perform most roles is unrelated to a person's credit history are exceptions rather than the rule are said by Gutierrez. All this proposed legislation contains some exceptions for those persons working with national security and or for large amount of money. In jobs where one credit history is not relevant no one can proposed that this credit checks is limited- only credit information. For more job search advice and best industry job boards check out JobConcierge.com
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