From the article: Employment Background Checks
Bad Credit Stories: Read stories of job seekers who have been denied a job because of bad credit and share your story if you're been denied employment because of your credit history. Share Your Story
What Happened to No Discrimination?
- Ok so one of the best jobs is working for TSA, I got refused because of my credit! I feel like this is discrimination. Your credit is your business and the only people who should be worried about your credit are credit card companies, banks, and people who rent homes and apartments. They should make this against the law and it should be something the people vote for! If President Obama can sign for people to become first time home owners with bad credit, he surely can fight this type of discrimination! I even got hired at the post office and my credit score is 560! So credit checks should be for those dealing with money!
- —Guest Mamaof1
Identity Theft and Bad Credit
- I as well cannot get a good job after having identity theft and trying to repair credit. I go on interviews and they love me. They do all checks and they still love me. Then they look at my credit and even though I told them about the identity theft, sorry no job. They feel I would steal from clients to pay off debt ? How is anyone suppose to live and have a roof over head if they can't get a job? Something is wrong here, very wrong. No one is perfect. Things happen. I call this discrimination.
- —Guest Cathy
Discouraged
- I had a very positive interview with a bank in Ann Arbor, MI. I left feeling very confident based on HR's & the branch managers reponsiveness. I was told to arrange day care for my son & they would be calling by next week. Well it's the end of that next week & I've left 1 message with no return phone call. They too asked me to disclose anything negative they would find on my credit. I explained to them the same thing everyone else my age does. Medical debt due to no insurance & student loans. I guess b/c I haven't been able to afford $1,000's of unplanned debt (medical) I don't deserve a job.
- —Guest Young & educated
Failed on a Credit Check???
- i failed because I had bad credit?? I don't even have bad credit. I have never been bankrupt, never been in trouble with the banks, just a stupid payday loan that was 3days late on paying. My credit scoring is 590 which is really good considering I have only recently started building it and I'm only in my teens!! How the @%$## does the government expect us to build our credit rating when we can't even get a job!!! f*****ng pathetic!!!!!!!!
- —Guest pissed off!!!
How is it Logical?
- 20 years in the IT division of the finance industry. Was laid off in 2008 from a Wall Street firm, while the CEO received a multi-million dollar bonus. Was to start my first fulltime job, though temporary, since then come Monday. After faxing my signed offer letter, I get a call from my recruiter. Offer rescinded due to bad credit. How could my bills be paid with no income from no job? She "understands" my dilemma and yet the decision stands. How is it logical that one can maintain good or decent credit without working?? My job seach diary for only FIVE months is 65 pages long (typed - 9 font, single spaced).
- —Guest BS in MIS and MPA
Bad Credit No Job
- It amazes me that we have so many people unemployed. It is not by choice but due to having bad credit in this economy. We are expected to go back to work, but due to bad credit we can not get work in our experienced fields. So we are forced to work several low paying jobs and only coming in 1/2 of what we would have made if we were working in our profession. This is not fair and we need to call on getting a class action suit against employer who do this and change the laws with the fair credit reporting acts.
- —Guest Hopeful for work
Denied
- Just got a call to offer me an interview in a CSA role in a building society. Looked through the application when I got home and got the email to see several questions about CCJ's, Bankruptcy, Bad credit. Figured that if they were asking about it, then it was an issue so I called them. I told them I declared bankruptcy in 2009 and was told that I wouldnt be eligible for the position and they had to withdraw the interview offer. Yes -- me calling saved the hassle of the interview procedure to then be told my credit history meant I couldn't have the job. I just think it's unfair to be denied employment due to past issues with financing. I've never stolen money, I've worked cash handling jobs for years before they put weight on what your credit report says, absolutely ridiculous!
- —Guest Lady_Google
Lost My Chance Due to Bad Credit
- I've been unemployed - save for some consulting work - since my last employer terminated my employment, while I was on medical leave for an auto accident (I was hit head-on by a drunk driver - NOT MY FAULT) and have been through the ringer with my job search. I recently found and interviewed for what I thought was my "dream job." I was to fly out to the main office in California in two days and got a call yesterday that the premployment background check I agreed to came back and.. guess what... I failed!! All due to poor credit. The HR rep expressed the company's disappointment as my offer package was ready for me to sign when at the main office but since I didn't meet the background "threshold" due to my credit... they could not proceed. The position was not in a financial capacity but an ideal match for my skill set.. in my desired field. How do I recover as it seems everyone is doing these intensive background checks. Being out of work has hurt me!!!
- —Guest Fabfour68
Too Many Accounts
- I have been applying in the banking industry and with no luck and now I know why. If you have too many credit accounts you don't qualify to work in the industry,b ut now where will I work?I ended up working as a till packer in a grocery retail store with my qualifications.
- —Guest confused
Family Suffers Due to Bad Credit
- I'm so sad because my wife needs my help to provide for our family. She's sick and we have 2 daughters and the oldest wants to go to college, but I can't provide for my family because of my bad credit.
- —Guest nohope
Grrrrrrr
- Ridiculous @$%%#& want paper for low tech jobs like trucking. I've had lots of jobs in my 46 years and that's the problem. Even though I have lots of skills I look like a flake so I don't get hired.
- —Guest Login
No hope
- You would think a military veteran with experience would be able to find a job. Not so much! I was discharged in 2010 and I haven't had a job since. I'm an excellent worker but because of my credit due to not having a job to pay bills I can't find a job. Where are the so called "employers" that are looking for hard working people, dedicated individuals.
- —Guest Guest
Bitter Irony
- This is one major reason that businesses say they cannot find qualified candidates -- HR is the new Gate Keeper of the jobs. OCR readers that detect the key words and dispose of all other resumes, credit scores and profiles tainted by the loss of a job is IRONY at it's best! And what happened to internships? I was told recently the term is plug and play that HR uses, candidates with exact credentials only. Are they looking for associates or robots? I have been denied a great job due to my credit score, I also just got a call back for a hospital clerical job that I really want , and they had me sign off on a criminal/education and credit check. I pray my qualifications will outweigh my negative credit since my unemployment loss, after 12 years with one employer! The government needs to offer incentives to companies to once again offer internships, HR needs talent antennae and not credit scores to make decisions, and companies need to accept that criminal and education checks are the key.
- —Guest Bad Credit
This Needs to Stop
- Once upon a time if you had bad credit that meant you paid higher for the things you wanted like a car or a house, if you could get a loan for that. Now employers are in my opinion calling me a thief without saying the word. I have never been in any trouble nor have I ever stolen anything. Bernie Madoff I am sure had awesome credit and look what he did. I think if someone with a criminal record with good credit has a better chance of getting a job than me. We all deserve second chances and to not be judged. We all have families and other responsibilities but those needs can't be met if I can't get a job because of bad credit. Life happens and its not like it was my aspiration in life was to have bad credit. If companies did an audit of all current employees they might be shocked at how many current employees are struggling with their own bad credit and glad they have a job to fix it or maintain it. I am sick of getting callbacks for a job and then they check my credit, now I'm not right.
- —Guest Single MOM
No Job No Hope
- I too have been called for jobs based on my experience only to be told I was denied due to my credit background. My unemployment will end next month and I will have no income or a place to call home.
- —Guest Houston Texas
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