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Posted: Wed Oct 31, 2007 1:31 pm Subject: Pre employment Screening

What do I do If the company I applied to has not followed the rules that the FCRA? I was not notified in writing that I was rejected because of my credit score . I was notified by the hiring manager vocally . What can I do ? I feel I have been discriminated against =. The job was one that was a Minimum wage job . Is it not time to place some controls on when it is best to use this invation of privacy in the work place .
Thank You

Posted: Wed Oct 31, 2007 2:20 pm Subject:

Alot of businesses are doing that sort of thing these days unfortunately.
Embarassed

ladybug

Posted: Wed Oct 31, 2007 2:30 pm Subject:

i know, with my credit,i will never get a job Sad

sometimes i feel like people with bad credit are unlikely to steal money because it's obvious they don't pay and people with good credit might because they are trying to get the money to pay. maybe i'm wrong. please feel free to disagree with me

Posted: Wed Oct 31, 2007 2:31 pm Subject:

Hi rstim. I'm sorry. It seems very unfair that a company would look up your credit to decide if you are eligible for a job. I think it sucks, and there should be some controls on it...I definitely agree with that.

Posted: Wed Oct 31, 2007 2:32 pm Subject:

I agree with you granny 100%. Not everyone that has bad credit are dead beats, we are just people that have fallen on hard times and are struggling to make it through life.

ladybug

Posted: Wed Oct 31, 2007 2:34 pm Subject:

It is very very unfair to look at credit more than qualifacations. Pity a young college grad who has excellent grades and references but made money mistakes in college and has bad credit. It makes no sense, we all make mistakes.

Posted: Wed Oct 31, 2007 2:38 pm Subject:

Hi! I think I would ask them for their statement in writing first of all. Secondly, don't lose heart, you WILL get a job! There are still many companies out there who do not rely on credit scores OR they may look into your credit score but give you the opportunity to explain your situation. I think that this may be a blessing in disguise for you...I know you need a job but do you really want a job that treats people like that? and who's to say that's really the reason they turned you down. With only a vocal reason, there could be a number of other explanations for you not getting the job. It is unfortunate that companies are doing this, but keep your chin up!! i read somewhere that if you get turned down for a job, don't lose heart for someone WILL be smart enough to hire you. puts a lighter perspective on the situation. good luck to you!

Posted: Thu Nov 01, 2007 8:06 am Subject:

They are required by federal law to disclose what bureaus were pulled if you were not hired due to credit.They must send you written adverse action notice and in turn you qualify for a free credit report based on that notice.

Posted: Thu Nov 01, 2007 12:09 pm Subject:

Cajun is correct. They can notify you verbally, but look for something in the mail as well. By any chance, were they specific about the reasons you were denied? The letter probably won't tell you that.

Posted: Thu Nov 01, 2007 12:39 pm Subject:

Heres a question.....How do you know what the credit qualifications are for a particular job? Do they have to reveal that, or just "sorry, its too low"?

Posted: Thu Nov 01, 2007 2:30 pm Subject:

Volley, at my work applicants for certain positions are screened. We don't necessarily look for a certain score, but we look to see how their payment history is on revolving accounts or if they have a history of money mishandling. So you could have a thousand civil suits on your report, but if you pay your bills on time we might hire you.

Posted: Thu Nov 01, 2007 2:35 pm Subject:

well that count me out already Sad

Posted: Thu Nov 01, 2007 3:07 pm Subject:

Granny, don't worry!! As long as you don't have a bunch of felonies you'll find a good job!

Posted: Thu Nov 01, 2007 3:11 pm Subject:

Thanks for that info Fins...I always wondered if there was established criteria normally or just based on whomever is doing the review.

Posted: Thu Nov 01, 2007 5:30 pm Subject:

LOL, probably just whoever is doing the review. I know at Sam's club here in west Michigan they do extensive background checks...For an $8.50 an hour job! They have been ripped off so often by their cashiers they feel the need to make sure new hires have no thefts on their records!

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