Jobseekers are facing many difficulties in finding employment and restoring their financial health: the pre-employment credit checks, which is being used increasingly often by staffing professional. In their own defense the companies who perform these credit checks says that they are only engaging in due diligence and looking for general red flags such as a lack of trustworthiness or self-control.
Although many lawmakers and many groups such as ACLU are saying that this practice encroach privacy has to do most jobs successfully, and forcing people who have lost their jobs into a downward spiral of debt. For a sign of the times, here's a telling anecdote from recent The New York Times story "Another Hurdle for the Jobless: Credit Inquiries":
Out of work since December, Juan Ochoa was happy when a staffing firm recently responded to his posting on Hotjobs.Com with an opening for data entry clerk. Before he could do something for him the company checked his credit details and the interest vanished. The firm said there were too many collection claims against him. Mr. Ochoa, 46 said I never knew that nowadays companies start pulling credit checks on you even before you go for an interview. This person has recently lost his job in December tracking inventory at a mining company in Santa Fe Springs, Calif. "Why would they need to pull a credit report? They'd need something like that if you were applying at a bank."
Once you reserved for government jobs or payroll positions that could involve significant sums of money, credit checks are now fast, cheap and used for all manner of work. There are forty three percent of companies who conducts this type of pre-employment screening use credit checks for some or all employees according to the survey of Human Resource Management in 2006. The number was at 40% in 2004, and just 25% in 1998. We are almost certainly in excess of 45% today, and it's quite feasible that the number is greater than one-half.
What is the current rule in the U.S. About checking an applicant's credit? Reports Dana Dratch in her article said "States weigh limits on credit checks for employment": In a absent of state law or change in national law an employer can with an applicant's permission pull a credit history and refused to hire an employee even if the information has no relation to the job. And those who are struggling financially simply because they are out of work; legislators are seeking to prevent something they see as needlessly punitive.
Allowances have been provided in the bill to get credit scores verified for some categories of employment, these are jobs like those which include national security or deal with huge sum of money. But, Gutierrez has emphasized that these are not rules, but exceptions, he has even said that the performance is not concerned with a person's credit history. Each proposed legislation includes exceptions for the persons who work for national security or handle financial responsibilities. Also, it is not being proposed by anybody to get criminal backgrounds checks limited, just credit information is needed for jobs where somebody's credit history is not required. More over job searches and best job boards can be found out on JobConcierge.com
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