Empoyers Who Request Credit Reports!!!

[Euskadi1946]

I've been an unemployed RN since June, 2003 and have been doing agency work which is very sporadic here in Salt Lake City. I have been to so many job interviews that I have lost count and always I get the same response from the employers. I have excellect qualifications but we hired another candidate who was more qualified. I went to an interview workshop and the lecturer told me that I was doing all the right things on an interview. I recently found out that here in Utah, many employers do credit checks on prospective employees. An attorney friend told me that pulling a credit report is included in the background check and if you sign a release form authorizing a background check, chances are, they will pull a credit report too. He also told me that employers can deny you employment if your credit is less than perfect and since my credit is less than perfect, I'm beginning to wonder if that is why I have been unable to find a job. I think this is absolutely appalling and underhanded of prospective employers. How do you pay your bills if you are not working??? I also understand that very few states allow this practice and unfortunately, I live in a state that does. Would love to hear some comments about this nasty little practice!!!!!!!!

[Agnus]

What do you think?

I sold some investment property. The buyers are living there. they do not make the morgage payment. Every three months I file for foreclosure. EVERY time they come up with the three months back payments, late fees, the court filing fees and my attorney fees in one lump sum. Then in three months we do this all again.

This have been going on for several years. IT COST them Late fees, Court cost and attorney fees. They never get ahead because the interest continues to compound. They apparently do not get it that it would be a LOT cheaper to just pay this on time.

Now the little darlings are filing bankruptcy. They obviously can afford the payments and then some because they pay it and then some every three months.

They have good paying reliable jobs. The problem is they're first prioity is gambling.

[KMSRN]

I will never cease to be amazed by the number of people who just don't get it.

[Sheri257]

Originally posted by Agnus

What do you think?

I sold some investment property. The buyers are living there. they do not make the morgage payment. Every three months I file for foreclosure. EVERY time they come up with the three months back payments, late fees, the court filing fees and my attorney fees in one lump sum. Then in three months we do this all again.

This have been going on for several years. IT COST them Late fees, Court cost and attorney fees. They never get ahead because the interest continues to compound. They apparently do not get it that it would be a LOT cheaper to just pay this on time.

Now the little darlings are filing bankruptcy. They obviously can afford the payments and then some because they pay it and then some every three months.

They have good paying reliable jobs. The problem is they're first priority is gambling.

Wow. Sorry you have had to deal with this. I know how you feel. I hope you can still recover the property, despite the bankruptcy.

When I moved cross country, I had to sell some investment properties too. A buyer proposed a financing situation similar to what you described. Since I didn't live in the area anymore, I knew the long distance situation would make it much harder to collect if they didn't pay, so I declined. Instead, I went with buyers who had traditional mortgages.

What a major hassle. I'm really sorry this happened to you. Good luck with it.

[Sheri257]

Originally posted by KMSRN

I will never cease to be amazed by the number of people who just don't get it.

Yeah. It tends to correspond to the number of people who don't pay bills, and that never ceases to amaze me either. I'm not all that surprized, really. Like many things in life, the perspective really boils down to who's money it is:

If it's your money, then you know a lot of people refuse to pay, how difficult it is to collect, and how the credit system is desperately needed.

But if it's somone else's money, then most people are victims of identity theft and other circumstances beyond their control, and the credit check/employment system is grossly unfair.

Usually the situation involves someone else's money, so the latter viewpoint is always going to be more popular. But if it was their money, they'd probably see it differently. And, obviously, the employers do as well. They will have the last say on the matter, whether it's popular or not.

People who don't get it won't get the job either. That's the bottom line.