Image from: Fundershomeloans.com
News reports are showing that more and more employers are requiring a credit check before offering a job. This practice simply must stop. I urge everyone, especially those in Architecture to Just say, “No!”. Not only is this a fundamental violation of your right to privacy, but there are only two reasons for requesting it in the first place.
1. Is to find a reason (any reason) to disqualify you as a candidate, so that the employer may hire a foreign worker at a lower wage.
2. Is to find out how desperate you are for the job by determining how many bills you have and how much they would offer you.
Remember, when someone checks your credit they not only get your “score” including your payment history, but also:
If you own a home. How much you paid for your home, including how much money you put down?
Did you take out a second mortgage to put in a pool?
How often you move?
How many cars you own, and what you paid for them?
Where you shop? Do you shop at Walmart or Macy’s?
Got any investment accounts? That’s a credit line that shows up as well.
Still paying off those student loans? Not only will they find out, but they will know how much you spent.
The will even be able to peek into your medical history.
1o% of people who have a medical condition pay off the medical bills when due. That means that 90% of people who have a medical condition will have at least one collection agency on their credit. “Hmm, $20,000 in collection to a hospital. I wonder what happened to this applicant and if they are taking any medications? Oh wait, there it is. It’s a children’s hospital, they must have a child with cancer or something. I can’t hire this person, they will make my insurance rates go up.”
Hope you weren’t late on any of those child support payments. “Oh wait, this must mean that this applicant is divorced. Obviously not very christian, I wonder if they can be trusted?”
“What, they spent over $2,000 at Petsmart? Does she have like 20 cats or something?”
“Hmm, she has 4 last names listed. That means she has been divorced at least 3 times. What a slut.”
I could go on and on with the type of private information that can be interpreted from a simple credit report.
If any potential employer asks (demands) that you agree to a credit check, Just say “No!”. Then follow that up with, “there is no legitimate reason for you to snoop into my affairs and I am offended that you have asked for it in the first place. Furthermore, I will not work for a company who has a policy of spying on their employees so I am withdrawing my application. Have a nice day.”
If you don’t do this, If you submit to this kind of intrusion, you should be ashamed of yourself. You devalue the rights of all Americans.
If you are an employer and you ASK or DEMAND a credit check, you do not deserve to be in business. And if I find out about you - I will publish your name, address and phone number right here on this blog – for the world to see what a piece of shit you are.
