Groups | Search | Server Info | Keyboard shortcuts | Login | Register [http] [https] [nntp] [nntps]

Groups > alt.folklore.computers > #151242

Re: OT: NYC employers not allowed to check credit history

Show all headers | View raw

<hancock4@bbs.cpcn.com> wrote in message 
news:a70e5c7a-3893-463b-b964-157cddd57372@googlegroups.com...
> On Wednesday, September 9, 2015 at 3:43:33 PM UTC-4, Jim Thomas wrote:
>
>> And you can certainly make a case that a less than immaculate
>> credit history does say something very useful about how the
>> individual operates and that that is relevant when employing
>> people to do a reliable job where reliability is important for
>> that job.

> No, you certainly can't make a case.

Of course you can with most people.

> Someone's reliability can be temporarily impaired due to illness.

But when that happens, clearly that individual did not make
appropriate provision for the quite common event of illness
and so that is a useful measure of how useful they are likely
to be to the organisation considering giving them a job with
many jobs.

> We all know that creditors (e.g. banks, credit cards, etc) can screw up.

Yes, but the individual with a less than immaculate credit
record can be asked about that blot on their credit record
and the potential employer can check if that was due to
a screw up or whether the candidate is lying about that
and that is also useful with some jobs. The last thing
anyone needs is a known liar in quite a few jobs.

> When someone is ill, it can be very difficult to deal with
> such issues.  For instance, someone recovering from
> surgery isn't allowed to drive, and so can't make a personal
> visit to straighten out a problem without a lot of trouble.

Personal visits are hardly ever required anymore to fix screw ups.

> If someone is out of work, they may end up being forced to
> suspend payment on some bills, giving them a bad credit rating.

But that does show that they have not made adequate provision
for the inevitable time between jobs and that is useful information
about that individual which is very useful for some jobs where you
want someone who doesn't get into those situations because they
don't think ahead about what can happen and have been stupid
enough to have no provision for the inevitable time between jobs.

> That isn't because they're "unreliable",

It often is.

> but because they can't get a decent job they would welcome.

> There was a guy who proved to be excellent employee.
> Fortunhately, they didn't check his credit rating, as he
> was out of work, going to school, and changing fields.
> Actually, he was working, but making only minimum
> wage.  So, employers who would pass him up based
> on credit rating were idiots.

Not necessarily. A good credit record in that situation
would show that he was capable of handling even that
situation very well and so would be much more likely
to be a useful employee than someone who couldn't
organise his affairs so that situation could be handled.

> Every so often the economy gets lousy, or a large
> employer shuts down, flooding the job market.

And the best individuals realise that and make adequate
provision for those situations and those are clearly much
more likely to be worth employing than the ones who don't.

> It takes time for those impacted to find something
> new, and they shouldn't be penalized for it.

Those who make adequate provision for those times
that can happen to anyone should be rewarded by
being employed first by those operations with enough
of a clue to work out how to identify those individuals
in the group applying for a particular job when it's the
sort of job that not everyone can do well.

Its hard enough to pick who are more likely to be the
most useful new employees. The credit record is a very
good measure of who is capable of organising their
personal affairs effectively and so may well be much
more useful employees than those who can't do that. 

Back to alt.folklore.computers | Previous | Next — Previous in thread | Next in thread | Find similar | Unroll thread

Thread

OT:  NYC employers not allowed to check credit history hancock4@bbs.cpcn.com - 2015-09-09 07:21 -0700
  Re: OT:  NYC employers not allowed to check credit history Quadibloc <jsavard@ecn.ab.ca> - 2015-09-09 12:20 -0700
    Re: OT:  NYC employers not allowed to check credit history Quadibloc <jsavard@ecn.ab.ca> - 2015-09-09 12:21 -0700
      Re: OT:  NYC employers not allowed to check credit history "Jim Thomas" <JT@nospam.com> - 2015-09-10 05:43 +1000
        Re: OT:  NYC employers not allowed to check credit history hancock4@bbs.cpcn.com - 2015-09-09 13:13 -0700
          Re: OT:  NYC employers not allowed to check credit history "Jim Thomas" <JT@nospam.com> - 2015-09-11 08:13 +1000
      Re: OT:  NYC employers not allowed to check credit history hancock4@bbs.cpcn.com - 2015-09-09 13:05 -0700
      Re: OT:  NYC employers not allowed to check credit history "Osmium" <r124c4u102@comcast.net> - 2015-09-09 15:14 -0500
      Re: OT: NYC employers not allowed to check credit history Dave Garland <dave.garland@wizinfo.com> - 2015-09-09 22:16 -0500
      Re: OT: NYC employers not allowed to check credit history Stephen Sprunk <stephen@sprunk.org> - 2015-09-09 23:34 -0500
      Re: OT: NYC employers not allowed to check credit history Andrew Swallow <am.swallow@btinternet.com> - 2015-09-12 17:14 +0100
        Re: OT: NYC employers not allowed to check credit history Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2015-09-13 17:56 +0000
          Re: OT: NYC employers not allowed to check credit history Andrew Swallow <am.swallow@btinternet.com> - 2015-09-13 22:19 +0100
            Re: OT: NYC employers not allowed to check credit history Charlie Gibbs <cgibbs@kltpzyxm.invalid> - 2015-09-14 00:06 +0000
          Re: OT: NYC employers not allowed to check credit history jmfbahciv <See.above@aol.com> - 2015-09-14 12:50 +0000
            Re: OT: NC employers not allowed to check credit history "Rod Speed" <rod.speed.aaa@gmail.com> - 2015-09-15 04:44 +1000
    Re: OT:  NYC employers not allowed to check credit history JimP <solosam90@gmail.com> - 2015-09-09 20:55 -0500
    Re: OT:  NYC employers not allowed to check credit history jmfbahciv <See.above@aol.com> - 2015-09-10 12:59 +0000
      Re: OT:  NYC employers not allowed to check credit history "Osmium" <r124c4u102@comcast.net> - 2015-09-10 08:13 -0500
      Re: OT:  NC employers not allowed to check credit history "Jim Thomas" <JT@nospam.com> - 2015-09-11 09:06 +1000
      Re: OT: NYC employers not allowed to check credit history Andrew Swallow <am.swallow@btinternet.com> - 2015-09-12 17:22 +0100

csiph-web