Comments on: Do Employers Really Screen Credit Scores? http://www.mint.com/blog/credit-2/credit-score-employment-06192010/ The blog of the free, simple personal finance solution. Track all your spending automatically, find the best deals, save more money. And save the world. Sun, 12 Feb 2012 05:07:51 +0000 hourly 1 http://wordpress.org/?v=3.1.3 By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57790 John Ulzheimer Tue, 27 Jul 2010 16:36:03 +0000 http://www.mint.com/blog/?p=13466#comment-57790 Come on guys. Several of you said you had verifiable examples of an employer using a credit score and I've heard from none of you with your evidence. Come on guys. Several of you said you had verifiable examples of an employer using a credit score and I’ve heard from none of you with your evidence. ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57615 John Ulzheimer Thu, 22 Jul 2010 04:50:31 +0000 http://www.mint.com/blog/?p=13466#comment-57615 Please, let me have your examples. Again, in 19 years nobody has ever been able to produce a real live example. Please, let me have your examples. Again, in 19 years nobody has ever been able to produce a real live example. ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57614 John Ulzheimer Thu, 22 Jul 2010 04:48:39 +0000 http://www.mint.com/blog/?p=13466#comment-57614 You'd be wasting your money unless they're reporting knowingly false information. You’d be wasting your money unless they’re reporting knowingly false information. ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57613 John Ulzheimer Thu, 22 Jul 2010 04:47:37 +0000 http://www.mint.com/blog/?p=13466#comment-57613 Can I get copies of what they showed you? If the employer was also a lender (or some other user of credit reports and scores) and they accidentally or purposely pulled your credit data using the same method they use to pull credit data for credit applications then not only are they breaking the law but they're also violating their credit bureau contracts. Please contact me offline to discuss. Google my name. Can I get copies of what they showed you? If the employer was also a lender (or some other user of credit reports and scores) and they accidentally or purposely pulled your credit data using the same method they use to pull credit data for credit applications then not only are they breaking the law but they’re also violating their credit bureau contracts. Please contact me offline to discuss. Google my name. ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57612 John Ulzheimer Thu, 22 Jul 2010 04:45:24 +0000 http://www.mint.com/blog/?p=13466#comment-57612 This is illegal. The Fair Credit Reporting Act places certain obligations on the users of credit data when used for employment purposes. These obligations are not met when a consumer buys their own reports and scores and simply hands it to the employer. Would you be willing to talk offline? If yes, Google my name and contact me. Thx, John This is illegal. The Fair Credit Reporting Act places certain obligations on the users of credit data when used for employment purposes. These obligations are not met when a consumer buys their own reports and scores and simply hands it to the employer. Would you be willing to talk offline? If yes, Google my name and contact me. Thx, John ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57611 John Ulzheimer Thu, 22 Jul 2010 04:43:40 +0000 http://www.mint.com/blog/?p=13466#comment-57611 Credit reports are an indication of responsibility, that's why employers like to see them in some instances. You can chose not to apply for the job, yes. You can also refuse the give them the overt permission...and they can choose to stop interviewing you as well. Credit reports are an indication of responsibility, that’s why employers like to see them in some instances. You can chose not to apply for the job, yes. You can also refuse the give them the overt permission…and they can choose to stop interviewing you as well. ]]> By: John Ulzheimer http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57610 John Ulzheimer Thu, 22 Jul 2010 04:41:40 +0000 http://www.mint.com/blog/?p=13466#comment-57610 Congrats Jimbo, you have potentially the first verifiable example of a score being used by an employer. So, let's prove it please. Google my name, you'll find me. I would like a copy of the piece of paper you were handed that included your score. Sorry for the skepticism but I've heard this before, and nobody can find their respective letters. Watch the video, it includes the citations. I think you're confusing credit reports and scores. Yes, when you sign a release they can check credit...but scores aren't included. But, yes I'd love to see that letter. Thx, John Congrats Jimbo, you have potentially the first verifiable example of a score being used by an employer. So, let’s prove it please. Google my name, you’ll find me. I would like a copy of the piece of paper you were handed that included your score. Sorry for the skepticism but I’ve heard this before, and nobody can find their respective letters.

Watch the video, it includes the citations.

I think you’re confusing credit reports and scores. Yes, when you sign a release they can check credit…but scores aren’t included. But, yes I’d love to see that letter.

Thx, John

]]> By: JiN http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57583 JiN Wed, 21 Jul 2010 17:09:34 +0000 http://www.mint.com/blog/?p=13466#comment-57583 I agree. Nothing in my credit history is going to prove that I am worthy of a job in IT. It wouldn't prove anything in a financial position as well. Because I don't have enough money for my credit card payment this month does not mean I won't send out a check using the company's money to pay a bill. The credit industry has been pushing this via their trade mags and lobbyists. Given the latest economic downturn I think this procedure is outdated. If I were searching for a job I would decline it but I am sure after a few rounds I would agree just to get it out of the way. I agree. Nothing in my credit history is going to prove that I am worthy of a job in IT. It wouldn’t prove anything in a financial position as well. Because I don’t have enough money for my credit card payment this month does not mean I won’t send out a check using the company’s money to pay a bill. The credit industry has been pushing this via their trade mags and lobbyists. Given the latest economic downturn I think this procedure is outdated. If I were searching for a job I would decline it but I am sure after a few rounds I would agree just to get it out of the way. ]]> By: Jet http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57540 Jet Tue, 20 Jul 2010 23:40:12 +0000 http://www.mint.com/blog/?p=13466#comment-57540 It may be against the law to check someone else's credit score but does not mean they don't do it. Not everyone knows it is illegal to do so without permission. Employers use this fact against the public every day and when someone does know about the law, they blow it off. The general public lets employers get away with this and until people start taking action on it, it will continue. It may be against the law to check someone else’s credit score but does not mean they don’t do it. Not everyone knows it is illegal to do so without permission. Employers use this fact against the public every day and when someone does know about the law, they blow it off. The general public lets employers get away with this and until people start taking action on it, it will continue. ]]> By: alpha http://www.mint.com/blog/credit-2/credit-score-employment-06192010/comment-page-1/#comment-57538 alpha Tue, 20 Jul 2010 23:15:21 +0000 http://www.mint.com/blog/?p=13466#comment-57538 These credit agencies are guilty of defamation. And any one who has had a health crisis etc. that caused a bankruptcy or missed payments can get some easy money. Can't get a job... sue the credit/credibility agency. These credit agencies are guilty of defamation. And any one who has had a health crisis etc. that caused a bankruptcy or missed payments can get some easy money. Can’t get a job… sue the credit/credibility agency. ]]>