bad/no credit = no job?

Sure, I'll send you a postcard.

 

Dude, I don't assume to know anything at all about you, but I have noticed that most people with your attitude have never really had to struggle with money issues.

Not to say that you haven't worked hard for your money, but most people who don't have family and friends to fall back on financially know that it's nearly impossible to build up great credit until you're at least in your 30's.

And, you NEVER know when certain issues may come up. My own family was doing pretty well until my daughter was in an accident that left her hospitalized for a month, and we lost everything. We're not bad people, we don't live beyond our means, and I refuse to think that my credit history (or lack of it) reflects my character. People get sick, get hurt, get downsized and laid off, and it's awful that you may not be able to get another job because you may have fallen behind on a few payments here and there during such times.

 

Say something else that's dumbass and you'll reveal more about your clearly haven't lived long enough to learn something ass.

 

Sure, I agree with you. That's what forgiveness is for. But it still reflects something about your character, like it or not.

 

Please explain this to me, because I don't see how situations beyond your own control reflect your character.

 

Moonshyne - this is living proof of human psychology

Dude has come to a conclusion, and when presented with opposing evidence, still hangs on to it.

Basically, he doesn't want to admit that he's wrong.

Most people assume most bankruptcies are people who go mad at a shoe sale and max out all credit cards etc.

Most bankruptcies are medically related. Someone gets sick and the doctors repossess the house.

 

I'm aware of this, I just wanna see if he can in any way back up what he's saying.

 

What happens to you may not be under your control, but the way you choose to respond to it always is.

 

Ummm, yeah, but you can't choose to respond to a bill by sending in money that you don't have...unless you choose to knock off a bank or start robbing people.

can you give us some sort of example of a proper response?

 

I don't know about your situation because I'm not you, and I haven't lived through all of your decisions. Only you have, and only you know what the best response is in any given situation.

If you responded to your situation in a way that you truly believe to have been the best response you could have made, with no doubts whatsoever, then I cannot hold you at fault.

If I was considering you for a job and you could explain that to me, and I didn't sense that you sounded like you were making excuses, I would consider it strength of character rather than a flaw in character.

 

You don't get that chance if the computer filters you out based on a credit score.

You've obviously never worked for a major corporation where computers make decisions, not people (can't be trusted!!!!!!!)

 

Well I'm glad I don't let computers make decisions for me. They really have no sense of style. I have to decide what to wear every day, and if I left that up to my computer I might come out looking like Cher.


(the outfit's designer calls this the "Gateway Computer Outfit")

 

hmm...... thats what happens when you work for a big company, unless its a private firm, in england they do care about ur qualification and thats it, well maybe criminal records, but thats only in private firms, like pubs and butchers and fish mongers, and $12 - $14 an hr is about £5 - £7 in england, people in mccdonalds dont evan get payed 5 - 7 pounds an hour useally just 3 - 4, so considering, but id try going fora private firm, who are just interested in ur qualifications and personality, cuase there are ppl out there

 

Rigamarole, a person's credit history is plainly inconclusive evidence of a person's character on the job. The others here have covered that already. Therefore there's no reason a prospective hire should explain to you their credit history and/or how they reacted to it if you were an employer. It's irrelevant to the job and it's also none of your business unless the prospective hire chooses to tell you. Your relationship with your employee is above all about the job in question, not anyone's private life and that includes yours.

 

yeah it's also called research. It helps for large companies to have data on where money flows and where it doesn't. One way to get that data is to subject every prospective hire to a credit check.

 

Employers that do this let you know up front that they are as you have to sigh a form to let them, along with what I refer to as the personality pop quiz. Its not that you have to have great credit as a rule, like getting a credit card, but are looking for extreme deliquency, a high amount of credit debt that isn't being paid, things that have gone 90 days or more with great frequency. Its a fairly normal pratice in jobs that have a high rate of theft.

I thought I had wandered into RT for a minute, lol!

 

Wrong. They never did let him know until AFTER he had gone through all three interview processes (which takes almost a month) and had pretty much been guaranteed the job. Only after the hiring process did they pop this paper on him. Also, He didn't have great credit, but it wasn't bad either. No overdue vehicle payments or any mess like that.

 

Maybe they used it as an excuse not to hire him then and there was really a different and probably prejudicial reason like....he doesn't look like my kind of person ..or..my good buddy wants this job....(I'm sorry, I forgot you stated they sprung it on him after reading all of the previous posts)
Sounds like a total bullshit excuse to get out of hiring him and one they know you can't really prove because most companies that require a credit check get you to sign off right away along with a police check, that you are willing, otherwise they could be wasting their time going thru the hiring process and get to that and have a refusal.

 

Companies add these requirements to filter out the applicant pool. When you have 600-1500 people applying to work at a walmart job they need a quick way to cut down the processsing time. Something fishy regarding that story they might have passed him through on the credit check initially and then somehow either a friend needed the job or they did not like him for some reason and used the "bad credit" idea.

Most companies now dump a large portion of resumes to cut processing time, they can filter out using many basic criteriea. So those folks never get called and time is saved.

for example
#1 GPA, due to the huge volume of college grads applying for jobs they can set a criteria to dump anyone who graduates below a 3.01GPA

#2 Credit score

 

You know, I could almost just accept the credit shit, IF i wasn't aware of the type of people who they do generally hire, or have hired in the past. I (sadly) have another relative who did manage to land a job at the walmart-dc.....now get this, he has a criminal history including mutiple drug arrests and AND trying to pass false payroll checks (basically, trying to cash checks for several hundred dollars for companies he never worked for)...he also went to work high several times on meth and caused at least $1,000 worth of damage by crashing a fork-lift, he doesn't have a ged, high school diploma, or even a driver's license, and he laid out of work nearly every week.....this sack of shit was paid almost $17/hr and worked there for nearly 3 years.

I guess what my point is here, is why won't they give a guy with less-than-perfect credit even a chance to get his foot in the door, while they'll let a high school drop out criminal who can't even drive a job for more than 3 years?

I think they have a few bugs in their application filtering system.