Disqualifying Job Applicants based on Credit History - page 4

Hi everyone, 2BaNurse's post about her financial predicament and many responses to her made me want to put a question out there. Do you think it is fair for an employer to disqualify a job... Read More

  1. by   Flo1216
    I am not a bad person...I was young and irresponsible and completely on my own with no guidance or direction. I learned the hard way. I already have a hard enough time getting a decent apartment because of the mistakes I made....should I not be able to get a job either after I have worked so hard? It's ********. I am trying to better myself by working hard and getting a better job. Drowning student...I think you are quite judgemental and were rather nasty in your post, without cause. We all have problems, we all make mistakes and **** happens to all of us. But I hope you are healthy now.
  2. by   Flo1216
    flower child...
    right on. The people who are preaching and acting self-righteous probably have never had life bite them in the ass unexpectedly.
  3. by   RRMLPN
    you go flowerchild.. i agree 100%!!!!!!!!!!!!!!!!
  4. by   2banurse
    Originally posted by KC CHICK

    Also, someone mentioned that it's supposedly "illegal" for a company to look at your credit history. If that's the case, how come I've received checks for an unsolicited $5,000 loan in the mail that I would just have to sign the back of and put it in my bank account? Why do I get "pre-approved" applications for platinum credit cards and not for regular credit cards?

    Why would a bank send me an unsolicited $5,000.00 check if they didn't think I could pay it back????
    It's obvious that someone is checking something. I didn't say they could either.
    Anne
    KC Chick, don't fool yourself. Just yesterday, I received this pre-approved CC that I did not apply to for $6,500!!!! and this is me 2BANURSE....I, of course, just cut it up and threw it away, but they don't care...

    Kris
  5. by   flowerchild
    BTW, I have yet to meet very many nurses, in all my years of nursing, who are intentionally unreliable, untrustworthy, dishonest, or otherwise bad person. Those type of people are not nurses b/c they don't care about other people or even themselves. Nurses by nature are honest and caring people. There are always a few bad apples in the crowd, I'll grant you that, but they a VERY few and far between when you are talking about nurses. So to use a credit report to determine a nurse trustworthyness and reliability just doesn't make sense to me. The cost to the corporation does not justify the use for the amount of "untrustworthy" nurses out there. The companies that are doing this are using it to find out about things they are not allowed to ask about! It is their way to get around the law. NURSES, AS A GROUP ARE SOME OF THE MOST TRUSTWORTHY PEOPLE I HAVE EVER KNOWN! An untrustworthy, unreliable person wouldn't even make it through the first session of nursing school in most cases. To use a credit report to determine a nurses ability to do the job through trustworthyness and reliability is illogical.
  6. by   hoolahan
    "NURSES, AS A GROUP ARE SOME OF THE MOST TRUSTWORTHY PEOPLE I HAVE EVER KNOWN! "

    Uh, methinks now you are a tad naive! Lumping people into neat little categories is never a good idea.
  7. by   flowerchild
    Originally posted by hoolahan
    "NURSES, AS A GROUP ARE SOME OF THE MOST TRUSTWORTHY PEOPLE I HAVE EVER KNOWN! "

    Uh, methinks now you are a tad naive! Lumping people into neat little categories is never a good idea.
    I'll admit, you are probably right. Alas, I do tend to avoid people who have bad vibes and stick around places and people that I believe to be good people and places.
  8. by   Vsummer1
    I think someone mentioned consent in all of this. It is probably contained in that paragraph above your signature on the application! If I were to know about it, I would merely tell the person interviewing "I had some problems a few years ago due to illness, but as you can see I did manage to pay back all of my debts and have no outstanding unsettled obligations or judgements".

    When my brother checks credit, he asks them. If they are honest about it, I have seen him disregard most of the credit check and look only for judgements / evictions. Because most people do have blips in their life, and a reasonable person looking at a credit report will understand this especially if it was a few years in the past.

    But as someone also said, the BON can deny / pull your license for this behaviour. Basically, you sign a contract when you incur debt and that, of course, is the basis of the lawsuit.

    If I sounded judgemental, it is because maybe I am and am only looking at it from what happened to me. You are right, I did come off a lot meaner than I should have, and for that I am sorry. I just feel so strongly about it since the hard time I had. I know of people who have defrauded companies by using credit cards and incurring debt only to go and file for bankruptcy, and I am sure you are not one of those people. So again, I am sorry for sounding so mean. I think it is just my anger at it all surfacing here and me venting.
  9. by   2banurse
    Originally posted by Vsummer1
    I know of people who have defrauded companies by using credit cards and incurring debt only to go and file for bankruptcy, and I am sure you are not one of those people. So again, I am sorry for sounding so mean. I think it is just my anger at it all surfacing here and me venting.
    That is a sad truth. I just want to affirm that I am not one of those people. If I had incurred debt a little recklessly, it was more of a sink or swim...the charges were more for the day to day things that I needed, particularly food (read groceries, not restaurant bills!) and trying to pay off other credit cards. Not wise, I know, but not meant to defraud either.

    When I hear about those people, like yourself Val, who have had hard times but are working hard to fix it, I totally admire you. To me that does show strength of character. One of the things that I am making sure about for myself is that I pay my rent on time, along with phone, electricity,etc. It can be shown that I have not defaulted on any of these payments.

    I have thought seriously of quiting school and holding off applying for nursing school. Unfortunately, not only will it mean I will be struggling to just pay my CC bills, but in six months I will have my student loan that I MUST pay. I figure that if I wait until at least I get my LPN, I get get myself on track again. I have had a few of my allnurses friends advise me that I should continue with school.

    Well, I guess that's enough for now. It did bother me a little the way I felt I was being attacked, but I realized that it was my own down feelings that made me feel that way. Believe me, it isn't easy for me to face the fact that a lot of what has been done, has been my fault.

    I do appeciate all of your responses...even the prickly ones!!! This BB allows me to work some things out especially at this time, when I don't feel that I can go to anyone else...i.e. family, friends.

    Kris
  10. by   funnygirl_rn
    Hello 2banurse. I assume you are taking prereqs, since you mentioned you haven't applied for nursing school yet....however, just curious..are you employed? Because many of us who went to nursing school HAD to work while attending school...some p/t and some of us had to work f/t while in nursing school, as well as acquire stafford loans too.

    Also, have you checked at your financial aid office at your college for possible scholarships as well? Just a thought.

    Good luck with everything.
  11. by   Glad2behere
    On the bottom of the form for a past credit card or credit instrument, a BLANKET release was signed saying any creditor affilliated with the creditor you are now applying for credit with has the right to SHARE your credit report and release it to others.
    Somewhere back there you unknowingly signed it, not knowing what it was or whatever, and granted permission for them to do this. It's pretty standard in credit cards. That is where you get the platinum credit card offers.

    And Flowerchild, you are right! Those that confuse planning with good luck just simply have not had the bad ball bounce their way, we are all vulnerable to events that can destroy one's finances in a microsecond. Sure, good planning, discipline, and all the other components of a responsible financial posture can contribute to the well being and the final result...but do not be so naive to think that you are not also very lucky.

    VSummer, kudos to you!

    2banurse...stay in school. That is part of the planning everyone is talking about here.
  12. by   2banurse
    Originally posted by funnygirl_rn
    Hello 2banurse. I assume you are taking prereqs, since you mentioned you haven't applied for nursing school yet....however, just curious..are you employed? Because many of us who went to nursing school HAD to work while attending school...some p/t and some of us had to work f/t while in nursing school, as well as acquire stafford loans too.

    Also, have you checked at your financial aid office at your college for possible scholarships as well? Just a thought.

    Good luck with everything.
    When I had started this past semester, I had been employed...full-time actually. I had been able to work around my school schedule working both at home and at the job. Just prior to signing up for this last semester I sat down with them and tried to work out a school schedule with them which at that time they approved. 3 weeks into the semester, their tone changed and they wanted me to work 9-5. Unfortunately, after the first week if you drop classes you lose all the tuition money. I had also gotten a scholarship which actually covered the tuition (student loan covers living expenses) and I would have had to pay that back...so I would have only been deeper in debt.

    I had decided that for this term, I would finish my term and work really hard and once I was done, I would look for some work. Unfortunately, the pneumonia kind of side tracked me, but once I'm on my feet, I will look for something.

    Kris
  13. by   hoolahan
    I got ya flowerchild! Wish we could all be so lucky!

close