bad/no credit = no job?

They are using the Credit report as an excuse, since that check is typically used before the interview. I bet someone in the interview commitee did not like him for some other reason and used the Credit as an excuse to can him. That druggie/loser is probably a friend or hooked in so he gets the opportunity to work with them. Thats what its like in the workplace.

 

Either way, Wal-Mart can go fuck itself.

Trin

 

Credit checks are used for Auto Insurance, Homeowners Insurance, lots of things, including employment. Fact of Life.


Get a copy of the report check it out and see if you can repair it fast.

If anyone needs any assistance, PM me.

 

From my experience your credit rating can say something important about how responsible you are in meeting obligations and honoring your word. There is no perfect correlation but the relationship seems to be there.

If you are upset with your credit rating, why not just save up some money and fix things up? You don't need to buy the most expensive car, clothes, or go out drinking in bars with buddies every night and wasting hundreds of dollars every month on short-lasting entertainment.

There's no excuse for irresponsibility.

 

Having a poor credit rating does not necessarily mean you are irresponsible.

Take an average family with man, wife, 2 children (could be 2 men and 2 children nowadays).

The man works full time on an oil rig as an engineer earning £550 a day. The family have a good lifestyle etc.

Now imagine the guy runs off with a girlfriend whilst offshore. (could be in Africa say).

In theory the wife can try and get maintenance off him but the reality is she has as much hope as a penguin in a desert.

So she has this huge mortgage, couple of cars and two kids to support with no job or maybe a part time job.

I don't care who you are you can't go from having that much money coming in to no money at all.

What happens, you don't pay stuff because you can't. Remember eating and living is more important than a credit rating (I don't care what bank managers say).

Things don't get paid and the credit rating suffers. was the woman irresponsible? No.

Another option is that the man dropped dead in the street. Now if shes lucky the woman will get insurance paid out but imagine the guy had filled the form out wrong (insurance companies will do anything not to pay out) or had not disclosed a small detail.

Again the woman is left in the shit.

Another example is that man marries woman, is perfectly well off. Both people have a job and they finance a nice lifestyle together. Woman has a baby, then decides to have an affair.

The man chucks her out but she is still entitled to half his stuff and maintenance for the child. The man now has one wage, same commitments and has to pay his cheating spouse at the same time (now this is the most common reason for people being in debt outside of just being poor and undereducated).

Circumstances change very quickly in life and credit reports for all they are worth do not necessarily reflect responsibility.

What if a guy is fine for 20 years and has a great rating then something happens (ie he gets cancer, so can't work, has to pay for treatment etc). He goes 2 to 3 years scraping money and his rating falls down. Then he gets better, does he not now have a right to work and earn money with everyone else?

 

Credit ratings do suffer from instances of default.


The ratings do come back up with resumption of payments. You can't just "blow-off' debt and expect to maintain ratings.

Great credit is not required for insurance, employment, ect.

Credit recovers nicely from bankruptcy.
If the hole you are in is impossible then file for a chapter 13, the sooner the better, this gets you on a debt payment plan.

 

Home Depot practices that also for employment. How is one supposed to dig oneself out of the hole, if no one will employ them? that's my question.

 

Plenty of jobs without credit checks. The jobs may not be good, but its a start to digging out.

 

Where it gets really ridiculous is this:
My boyfriend works for a national retail outlet, selling sewing/crafting supplies (right up his line, since we're crafters for a living as well). He began working for them as a seasonal employee in Indiana years ago, and after that job was up he went on with his life. About 1-2 years later, he began working for the same outlet at a location in Oregon. We were in a long-term situation there while I attended school, and he worked there for almost 3 years. After I had graduated, and there weren't any jobs for us to sustain our lives, we decided to move.

It took us just over six months to get settled, and as soon as we were he got a job at a local chapter of the same store. The other employees love him, he really helps the whole place run better, and within a couple of months when an assistant manager position opened up, the GM of the store wanted him to be it. He filled out the forms, had the whole store backing him up. Everyone really wanted him to have this job. But the district manager gave him the thumbs down, saying that he didn't have enough credit history, and his past had "too many gaps in it" (when he was on tour, etc). He also accused him of having his real interest invested in our home business (which I now do full-time). Any and all of these complaints have been aruged against by EVERY employee in the store.

And you wanna know the really fucked up thing that just clinches the whole damn situation? They ended up giving the promotion to an 18-year-old kid who TOLD THEM he plans to leave and open his own full-time business within a few years.

HA! (but seriously, isn't that messed up?)

 

Credit rating linked to jobs is the most stupidest notion I have ever heard of. Its just plain dumb.

I am a computer programmer (yawn) and I'm pretty damned good at it. If my credit just fell apart because my wife ran off with the money would I still not be a damned good computer programmer? My credit would collapse maybe but I could still write a good enough program to bring a company to its knees.

What I'm going to say now is going to seem racist and I don't mean it to be because I'm not trying to offend anyone but.....

In the uk if you are black or asian you seem to have far more rights than the average white man. My brother in law has worked for almost 30 years of his life.

He is 44 years old. He has never taken any dole money or any benefits off the government.

He has just had 6 months off work because he needs a triple heart bypass and he is still waiting (on our governments waiting lists, because there are no beds) for the operation. The government says he is not entitled to benefits. I would say out of all the sponging bastards he is probably one of the most entitled people.

Immigrants come into the uk and they get a house, (no rent to pay, no council tax to pay) , income support and support for their family.

I'm not having a go at the immigrants by the way but I am having a go at the system.

If I was told I couldn't have a job because of my credit rating I would go bankrupt (easy in the uk) and live off the dole for the rest of my life. If they won't let me work then I'm not even going to bother trying.

 

wow... that's a really horrible statement.

first of all, emgencies can mess up a person's credit situation... one's spouse can mess up a person's credit situation.... and also people can change their spending habits....

i know if i made financial mistakes and changed the way i dealt with finances, and was working on things for years... i would not like to be judged by the past.

 

holy....

this just gets better and better (worse and worse?)

so someone not having medical insurance or good medical insurance that gets a serious illness....
that shows something about their character,eh?