Credit Reports Used For Employment
2010
Can a place of business deny me employment because of my credit report?
I was sued by a credit card company for an unpaid debt. I admitted that I didn’t pay the credit card and it shows on my credit report. Can this be used against me in consideration for a job? Especially an industrial job that doesn’t have anything to do with money? How do I remedy this?
Side note: I live in Alabama.
Unfortunately, yes they can. However as the previous young lady indicated, there is a bill before Congress to limit this practice to jobs in the financial sector and public safety. Two states, Washington and Hawaii have laws on the books forbidding this practice except for jobs in finance and public safety. 16 other states have legislation proposed or pending.
This practice really is unfair because there is no evidence that a person with a poor credit history is dishonest or will not “show up for work”. However this is exactly how employers are using credit reports. And that is why legislators are working to stop them.
If you have a job interview and they want permission to run your credit, be upfront with HR from the start. Explain the circumstances and that you have admitted fault. It’s a little difficult to keep up with obligations if you are unemployed and if you can’t get hired because you haven’t kept up, it’s a real catch-22.
Bad Credit, Bank Loans, Credit Bureau Financial Solutions Phoenix AZ
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