Background/Credit Check, Bankruptcy

markjrn · Apr 14, 2006

God I hope nothing ever happens to you, or any of us again. It is real hard when you are trying to get ahead and life throws you a real curve ball. We could post senerios all day, like having a severly disabled daughter and haveing the deadbeat mother (or father) skip the state with no forwarding address and over 5000 behind in Child support, when your child's health takes ANOTHER turn for the worst and she's having about 50-70 simple partial seizures a DAY and going to the ER 3-5 days a week and the nurologist throwing his hands up because he doesn't know what else to do. All this after not being able to makje but a certain amount because your child will lose Medicaid, and no onther insurance will touch her. You get fired because your FMLA is used up for the year and no one will hire you because you can't get to work because there is no one capable of taking care of your daughter and your just praying for things to turn around and money to by food.
I DON'T CARE HOW "PREPARED" you THINK you are! Your not going to be prepared to make it through that, or a thousand other senarios. Why should someone like that not even make it to an Interview because they have bad credit? Don't judge because you haven't been there, just pray you never are!

Oh geez, I can't even imagine that.

HARRN2b · Apr 14, 2006

I have a feeling that bankruptcies will be on the rise again in this country very soon. Many first time home buyers took out those ARM products and now interest rates are rising. They may have thought they could afford the higher payments. Oil, however, is the wild card. No one knows how much it will eventually be. It has to be taking a toll on the average family's finances. Will be interesting (and scary) to see how the economy bodes over the next year or so. Also our own government is printing its own money, so Joe Consumer feels like he/she should be doing the same.

markjrn · Apr 14, 2006

I have a feeling that bankruptcies will be on the rise again in this country very soon. Many first time home buyers took out those ARM products and now interest rates are rising. They may have thought they could afford the higher payments. Oil, however, is the wild card. No one knows how much it will eventually be. It has to be taking a toll on the average family's finances. Will be interesting (and scary) to see how the economy bodes over the next year or so. Also our own government is printing its own money, so Joe Consumer feels like he/she should be doing the same.

I'm living in Maine, and the oil expenses here are putting people in bad situations. I've heard people having to choose between food and oil.

WV_heart_RN · Apr 14, 2006

I misssed out on a job due to my credit report. The nurse manager told me I had the job but had to go through the hoops. I told her I did not have good credit and she told me not to worry about it. Then a week later I received a letter from the hospital saying I was not the type of person they wanted working at their facility.

I was stunned. How could they judge my nursing skills by my credit report. I called and called the person who sent me the letter but she would never call me back. The NM called me and told me she no longer had a position available. I was really upset! :uhoh3:

markjrn · Apr 14, 2006

I misssed out on a job due to my credit report. The nurse manager told me I had the job but had to go through the hoops. I told her I did not have good credit and she told me not to worry about it. Then a week later I received a letter from the hospital saying I was not the type of person they wanted working at their facility.
I was stunned. How could they judge my nursing skills by my credit report. I called and called the person who sent me the letter but she would never call me back. The NM called me and told me she no longer had a position available. I was really upset!

This happened recently? Where (what state), if you don't mind me asking? Maybe we all need to pay a little more attention to this issue - I didn't even know it existed until recently.

That's pretty scary stuff. Apparently nursing school needs to include stuff like this in their curriculum....

Sheri257 · Apr 14, 2006

It's important to remember that you have to sign an authorization first for them to pull your credit report. They can't pull your credit report without that signature. Usually the authorization form is included with the application.

However, if you don't sign it, they may not consider your application either.

:typing

Sheri257 · Apr 14, 2006

I was stunned. How could they judge my nursing skills by my credit report. I called and called the person who sent me the letter but she would never call me back. The NM called me and told me she no longer had a position available. I was really upset!

This website has some interesting information that may apply to your situation. It says that the employer is supposed to give you an "adverse action notice" if they deny your application based on credit.

http://www.privacyrights.org/fs/fs16-bck.htm

However ...

The federal law has two significant loopholes. First, if the employer does not use a third-party screening company but, rather conducts the background check itself, it is not subject to the notice and consent provisions of the FCRA. Second, the employer might tell the rejected applicant that its adverse decision was not based on the contents of the background investigation, but, rather that the job pool was so exceptional that it made its hiring decision based on the fact that there were individuals more qualified than the applicant.

In both of these situations, the applicant would not have the ability to obtain a copy of the background check to find out what negative information it contained.

:typing

evbella · Apr 14, 2006

I understand that maybe the majority of those who have filed for bankruptcy may not be responsible, but that is not always the case.

My husband and I had to file. I am very embarrassed by it, but had no other choice. He is the bread winner, and I am a stay at home Mom. He was injured at work, and the workmans comp pay way less than half of what he earned. His injury was such that we never had an idea of when he would be returning to work after several mis-diagnosis. Therefore, it was rough for me to try and get a job when I didn't know if he'd be returning to work in a couple of days or months. He ended up being out for 9 months- and it killed us financially- to the point of no return. Yes, I ended up taking in 2 children to babysit full time after we found out he'd need surgery and alot of rehab before returning to work. We did the best we could - and it kills me to be thought of as not trust worthy because of our situation. We are not people who ran up super high credit cards with intent to file bankruptcy- we are people who are responsible that ran into a big bump in the road.

All of my past employers would give me nothing but the highest recommendations. I hope when I graduate nursing school that this is not held against me.

Your can't judge a book by it's credit score!!!

Carol

WV_heart_RN · Apr 15, 2006

this happened recently? where (what state), if you don't mind me asking? maybe we all need to pay a little more attention to this issue - i didn't even know it existed until recently.
that's pretty scary stuff. apparently nursing school needs to include stuff like this in their curriculum....

yes, it was 2005 in west virginia. i don't mind you asking at all. i was honest and upfront with this hospital. i just don't see judging my skills by my credit score. as far as i am concerned they lost out on a great nurse:nurse:

markjrn · Apr 15, 2006

yes, it was 2005 in west virginia. i don't mind you asking at all. i was honest and upfront with this hospital. i just don't see judging my skills by my credit score. as far as i am concerned they lost out on a great nurse:nurse:

i agree with you - they missed out!

i was hoping this happened a long time ago, and isn't practiced today, but obviously this was fairly recent. i'm sorry you were treated this way. hopefully this isn't a common occurrence.