Comments for IAmScreened Blog http://iamscreened.com/blog Company news, background check tips, and more. Fri, 05 Mar 2010 19:28:35 -0700 http://wordpress.org/?v=2.8.1 hourly 1 Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Awsome Sasa http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-949 Awsome Sasa Fri, 05 Mar 2010 19:28:35 +0000 http://iamscreened.com/blog/?p=234#comment-949 Checking credit score is not a good way to judge an individual’s dependability. When it comes to credit how many people out there knows about the 45% rule. The 45% rule basically means if consumers uses over 45% of their credit credit limit it will hurt their credit. So it doesn’t matter if I am a careful spending and only carries a $300 balance on a $400 limit card or a irresponsible spender with a $5000 balance from a shopping spree at Bloomingdales on a credit card with a $20k limit, the careful spend will get hit with a lower credit score. Checking credit score is not a good way to judge an individual’s dependability. When it comes to credit how many people out there knows about the 45% rule. The 45% rule basically means if consumers uses over 45% of their credit credit limit it will hurt their credit. So it doesn’t matter if I am a careful spending and only carries a $300 balance on a $400 limit card or a irresponsible spender with a $5000 balance from a shopping spree at Bloomingdales on a credit card with a $20k limit, the careful spend will get hit with a lower credit score.

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Rena http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-946 Rena Fri, 05 Mar 2010 16:13:04 +0000 http://iamscreened.com/blog/?p=234#comment-946 It seems like the lawmakers need to read up on the laws of employment credit reports. I would not like to put someone in a position of handling money and balancing accounts if they can't even do it themselves. It is simply a way of life now days that most individuals life pay check to paycheck. I do agree that when applying for some positions it is not necessary to check someone's credit. Get the law books out people and educate yourselves. It seems like the lawmakers need to read up on the laws of employment credit reports. I would not like to put someone in a position of handling money and balancing accounts if they can’t even do it themselves. It is simply a way of life now days that most individuals life pay check to paycheck. I do agree that when applying for some positions it is not necessary to check someone’s credit. Get the law books out people and educate yourselves.

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Dan Curran http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-945 Dan Curran Fri, 05 Mar 2010 14:09:38 +0000 http://iamscreened.com/blog/?p=234#comment-945 I think the credit checks have their uses for specific professions...getting as job in law enforcement or working with company finances. But credit checks for customer service reps, dock workers, grocery clerks? is that really necessary? Employers need someone to assure them not every employee is going to rip them off or be a liability just because of some debt. We all have debt and it's often because hey, stuff happens. Don't penal;ize people for wanting to get back on their feet I think the credit checks have their uses for specific professions…getting as job in law enforcement or
working with company finances. But credit checks for customer service reps, dock workers, grocery clerks?
is that really necessary? Employers need someone to assure them not every employee is going to rip them
off or be a liability just because of some debt. We all have debt and it’s often because hey, stuff happens.
Don’t penal;ize people for wanting to get back on their feet

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by DavidMB http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-941 DavidMB Fri, 05 Mar 2010 02:23:57 +0000 http://iamscreened.com/blog/?p=234#comment-941 Correlation is not causation. Even if there were a correlation between bad credit and bad employees, given how easy it is to get into bad credit, it feels a bit like saying people with black hair are more likely to become dictators, based on Hitler, Mussolini, Saddam, etc. Maintaining good credit or having bad credit is a specious means of determining eligibility for work or a high degree of ethics. Correlation is not causation. Even if there were a correlation between bad credit and bad employees, given how easy it is to get into bad credit, it feels a bit like saying people with black hair are more likely to become dictators, based on Hitler, Mussolini, Saddam, etc. Maintaining good credit or having bad credit is a specious means of determining eligibility for work or a high degree of ethics.

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Madelyn http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-940 Madelyn Thu, 04 Mar 2010 23:38:24 +0000 http://iamscreened.com/blog/?p=234#comment-940 I don't blame employers for wanting to see what an applicant's credit looks like. However, if the applicant has less than stellar credit but is qualified for the job in all other respects, I would hope the employer would take the time to find out why the applicant's credit is not up to par. Perhaps the applicant was laid off previously and was not able to find other employment right away due to the recession. Or the person could have gone through a bad divorce or even been the victim of identity theft. Theer are many reasons for bad credit and not all of them mean a person is irresponsible I don’t blame employers for wanting to see what an applicant’s credit looks like. However, if the applicant has less than stellar credit but is qualified for the job in all other respects, I would hope the employer would take the time to find out why the applicant’s credit is not up to par. Perhaps the applicant was laid off previously and was not able to find other employment right away due to the recession. Or the person could have gone through a bad divorce or even been the victim of identity theft. Theer are many reasons for bad credit and not all of them mean a person is irresponsible

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by dana http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-939 dana Thu, 04 Mar 2010 23:11:40 +0000 http://iamscreened.com/blog/?p=234#comment-939 "Employers are taking a look at an applicant’s credit histories because they say that a measure of the individual’s honesty, reliability and maturity can be inferred from their past financial management. " Wow. Really? Great argument. Love this line of reasoning. What's next? My medical files? Those might give a potential employer an idea of how well I take care of myself. A health history would also convey my honest behaviors, reliability, and maturity. Sheesh “Employers are taking a look at an applicant’s credit histories because they say that a measure of the individual’s honesty, reliability and maturity can be inferred from their past financial management. ”

Wow. Really? Great argument. Love this line of reasoning.
What’s next? My medical files?
Those might give a potential employer an idea of how well I take care of myself. A health history would also convey my honest behaviors, reliability, and maturity.

Sheesh

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Derrick http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-937 Derrick Thu, 04 Mar 2010 22:16:54 +0000 http://iamscreened.com/blog/?p=234#comment-937 Interesting article, but the article fails to understand the lack of validity of a credit report as a viable source of judgement. Credit Scores are not as manageable as people like to assume. Such as your credit is 'dinged' with each inquiry, for starters. Secondary is that it is much easier to get into bad credit, than good credit. The system is quite literally designed for you to not have good credit. There is much more weight on the negative reports than the good ones. The reason for this is because with bad credit comes higher loans and interest rates; the profit margin is much higher. There was even a time when the public wasn't allowed to look at their own score.... I wonder why that may be... We also need to realize a level of confidentiality here. If there is a study to prove correlations between poor money management and job performance, then how does this relate to everything else? What about infidelity? Or more importantly.... race? gender? We all have correlations, stereotypes, and statistics that we fall into. We actually now have laws stating that we cannot be biased on most of these things. Now, how is it that poor money management separate? Studies do "support" many correlations, but then again if we really support those correlations then we have a society only ran by middle aged white men... and we all know where that lead us just a few years ago. Interesting article, but the article fails to understand the lack of validity of a credit report as a viable source of judgement. Credit Scores are not as manageable as people like to assume. Such as your credit is ‘dinged’ with each inquiry, for starters. Secondary is that it is much easier to get into bad credit, than good credit. The system is quite literally designed for you to not have good credit. There is much more weight on the negative reports than the good ones. The reason for this is because with bad credit comes higher loans and interest rates; the profit margin is much higher. There was even a time when the public wasn’t allowed to look at their own score…. I wonder why that may be…

We also need to realize a level of confidentiality here. If there is a study to prove correlations between poor money management and job performance, then how does this relate to everything else? What about infidelity? Or more importantly…. race? gender?

We all have correlations, stereotypes, and statistics that we fall into. We actually now have laws stating that we cannot be biased on most of these things. Now, how is it that poor money management separate? Studies do “support” many correlations, but then again if we really support those correlations then we have a society only ran by middle aged white men… and we all know where that lead us just a few years ago.

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by DavidB http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-935 DavidB Thu, 04 Mar 2010 21:15:15 +0000 http://iamscreened.com/blog/?p=234#comment-935 in this kind of economy everyone who has had a house go into foreclosure or resulted in someone filing bankruptcy would show up negatively on a credit report. I was unemployed for over a year and stuff happened to ME. I am an honest person who respects his employer 100%. so to be turned away from a job based off of a credit report does nothing to help unemployment that is only getting worse, and will only make more credit problems. and it all just cycles downward. YOU PAY ME. I should be doing a credit check on the company to make sure they can even put out paychecks that wont bounce before I start... i have been there... and they hurt my credit... paying bills then having your work check bounce SUCKS! was it my fault? nope!... Credit checks to work? HECK NO! in this kind of economy everyone who has had a house go into foreclosure or resulted in someone filing bankruptcy would show up negatively on a credit report. I was unemployed for over a year and stuff happened to ME. I am an honest person who respects his employer 100%. so to be turned away from a job based off of a credit report does nothing to help unemployment that is only getting worse, and will only make more credit problems. and it all just cycles downward. YOU PAY ME. I should be doing a credit check on the company to make sure they can even put out paychecks that wont bounce before I start… i have been there… and they hurt my credit… paying bills then having your work check bounce SUCKS! was it my fault? nope!… Credit checks to work? HECK NO!

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by John Westheimer http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-934 John Westheimer Thu, 04 Mar 2010 21:06:00 +0000 http://iamscreened.com/blog/?p=234#comment-934 I agree with this ban. However I think their should be a clause allowing companies hiring employees that will have direct access to their accounts or money such as accountants or bank tellers to have a credit report run. It should just not become a universal means of denying people employment. That would create yet another vicious cycle implemented by creditors. I agree with this ban. However I think their should be a clause allowing companies hiring employees that will have direct access to their accounts or money such as accountants or bank tellers to have a credit report run. It should just not become a universal means of denying people employment. That would create yet another vicious cycle implemented by creditors.

]]> Comment on States Seeking the Ban of Credit Reports for Employment Purposes by Me http://iamscreened.com/blog/2010/03/states-seeking-the-ban-of-credit-reports-for-employment-purposes/comment-page-1/#comment-933 Me Thu, 04 Mar 2010 20:58:36 +0000 http://iamscreened.com/blog/?p=234#comment-933 I think it's funny how every politician quoted in this article used the term "credit score" and then the article pointed out it's not legal to use a score. Really shows how much research has gone on behind the scenes and yet, the government wants to tell us how we can hire people. I think it’s funny how every politician quoted in this article used the term “credit score” and then the article pointed out it’s not legal to use a score. Really shows how much research has gone on behind the scenes and yet, the government wants to tell us how we can hire people.

]]> Comment on Will Bad Credit Hinder Your Job Hunt? by admin http://iamscreened.com/blog/2010/02/will-bad-credit-hinder-your-job-chances/comment-page-1/#comment-928 admin Thu, 04 Mar 2010 15:44:56 +0000 http://iamscreened.com/blog/?p=221#comment-928 Amber, I disagree. Businesses need to prevent against reasonable risks otherwise there could be more people out of business. I'm a small business owner. Let's say I have four employees and am thinking about hiring a fifth. For the sake of argument, let's suppose I choose someone with bad credit. I don't spend any less time and money training this person, I invest in them, and then I'm at greater risk of them stealing, quitting unexpectedly, underperforming due to outside stress, or otherwise being unable to conduct their job with the quality of someone who makes personal responsibility a lifestyle choice. My other employees suffer if my business loses money, I can't give them raises, I may have to do more layoffs, etc. There's a lot of hard work that goes into running a business and most employees don't realize that as a business owner, making a hiring choice can be very risky and gut wrenching. Taking away tools like credit reports is more likely to make me just not hire anybody. Then everyone loses. I propose instead that people need to make better choices. I bet most of those people who have bad credit still have a nice big TV in their house, still wear decent clothes, and still live in relative luxury compared to three quarters of the world. If they cut back their expenses and lived below their means (in order to save money) during the years preceding their job loss, they wouldn't have bad credit to begin with. Amber, I disagree. Businesses need to prevent against reasonable risks otherwise there could be more people out of business. I’m a small business owner. Let’s say I have four employees and am thinking about hiring a fifth. For the sake of argument, let’s suppose I choose someone with bad credit. I don’t spend any less time and money training this person, I invest in them, and then I’m at greater risk of them stealing, quitting unexpectedly, underperforming due to outside stress, or otherwise being unable to conduct their job with the quality of someone who makes personal responsibility a lifestyle choice. My other employees suffer if my business loses money, I can’t give them raises, I may have to do more layoffs, etc. There’s a lot of hard work that goes into running a business and most employees don’t realize that as a business owner, making a hiring choice can be very risky and gut wrenching. Taking away tools like credit reports is more likely to make me just not hire anybody. Then everyone loses. I propose instead that people need to make better choices. I bet most of those people who have bad credit still have a nice big TV in their house, still wear decent clothes, and still live in relative luxury compared to three quarters of the world. If they cut back their expenses and lived below their means (in order to save money) during the years preceding their job loss, they wouldn’t have bad credit to begin with.

]]> Comment on Will Bad Credit Hinder Your Job Hunt? by Amber B. http://iamscreened.com/blog/2010/02/will-bad-credit-hinder-your-job-chances/comment-page-1/#comment-919 Amber B. Wed, 03 Mar 2010 07:15:44 +0000 http://iamscreened.com/blog/?p=221#comment-919 Grass Roots Movement underway...New Group On Facebook is calling all people as One Voice To Unite... Groups name is called, "Millions Unemployed March Against Pulling Credit For Job Hiring"! Tell everyone you know, and help get the word out! Are you unemployed and as a result fell behind on your bills? And to add insult to injury, been denied employment because your credit score has fallen; then this group is for you! Checking credit as part of the hiring process apparently has become more widespread. Yet the increased scrutiny of credit histories comes while a record 26.4 million Americans have been unemployed for more than six months. Such long-term unemployment can do serious damage to personal credit. Until this policy is changed; many more Americans face homelessness and going hungry. We all know people that have been hit by these hard economic times. Whether it be yourself, a family member or a friend. We are asking for everyone to join us for this March on Capitol Hill in Wash. DC on June 1, 2010. Bring your Sign, and Determination for this peaceful Rally to enact a law to stop this policy that employers are implementing against the unemployed. Grass Roots Movement underway…New Group On Facebook is calling all people as One Voice To Unite…
Groups name is called, “Millions Unemployed March Against Pulling Credit For Job Hiring”!
Tell everyone you know, and help get the word out!

Are you unemployed and as a result fell behind on your bills? And to add insult to injury, been denied employment because your credit score has fallen; then this group is for you!

Checking credit as part of the hiring process apparently has become more widespread. Yet the increased scrutiny of credit histories comes while a record 26.4 million Americans have been unemployed for more than six months. Such long-term unemployment can do serious damage to personal credit.

Until this policy is changed; many more Americans face homelessness and going hungry. We all know people that have been hit by these hard economic times. Whether it be yourself, a family member or a friend. We are asking for everyone to join us for this March on Capitol Hill in Wash. DC on June 1, 2010.

Bring your Sign, and Determination for this peaceful Rally to enact a law to stop this policy that employers are implementing against the unemployed.

]]> Comment on Glimmers of Economic Recovery by Sandy http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-915 Sandy Tue, 02 Mar 2010 15:37:22 +0000 http://iamscreened.com/blog/?p=230#comment-915 In the second article - speculation, bottom line show me the money and the actual data of people off unemployment with no increase in welfare. This job slump is old enough now that people will be leaving unemploymet (out of benifits) and applying for welfare programs. Follow the data for a real result In the second article – speculation, bottom line show me the money and the actual data of people off unemployment with no increase in welfare. This job slump is old enough now that people will be leaving unemploymet (out of benifits) and applying for welfare programs. Follow the data for a real result

]]> Comment on Glimmers of Economic Recovery by Madelyn http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-912 Madelyn Mon, 01 Mar 2010 20:12:38 +0000 http://iamscreened.com/blog/?p=230#comment-912 Things do seem to be improving slowly. I just spoke to a friend who sells cars and he told me that February was a great month at the dealership where he works. This is fantastic considering he was singing a different tune last year. Lets keep moving forward. Things do seem to be improving slowly. I just spoke to a friend who sells cars and he told me that February was a great month at the dealership where he works. This is fantastic considering he was singing a different tune last year. Lets keep moving forward.

]]> Comment on Glimmers of Economic Recovery by Jim http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-899 Jim Sat, 27 Feb 2010 18:55:40 +0000 http://iamscreened.com/blog/?p=230#comment-899 We are a nation of hardworking people, and that is where our success will be. Honest, hardworking people taking pride in their work and caring about others. We are a nation of hardworking people, and that is where our success will be. Honest, hardworking people taking pride in their work and caring about others.

]]> Comment on Glimmers of Economic Recovery by Mindy http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-892 Mindy Fri, 26 Feb 2010 18:22:15 +0000 http://iamscreened.com/blog/?p=230#comment-892 This is great news I have family members who have been looking for Jobs and this is will boost confidence. This is great news I have family members who have been looking for Jobs and this is will boost confidence.

]]> Comment on Glimmers of Economic Recovery by Rena http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-891 Rena Fri, 26 Feb 2010 17:58:14 +0000 http://iamscreened.com/blog/?p=230#comment-891 I think it is great to see even a slight economic recovery. I hope that people take what we have gon through and are a bit more cautious about living within their means. I think it is great to see even a slight economic recovery. I hope that people take what we have gon through and are a bit more cautious about living within their means.

]]> Comment on Glimmers of Economic Recovery by Me http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-890 Me Fri, 26 Feb 2010 17:44:44 +0000 http://iamscreened.com/blog/?p=230#comment-890 Hope this is good news. Will still keep my fingers crossed. Hope this is good news. Will still keep my fingers crossed.

]]> Comment on Glimmers of Economic Recovery by JT http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-889 JT Fri, 26 Feb 2010 17:29:16 +0000 http://iamscreened.com/blog/?p=230#comment-889 This is encouraging news, especially for the large number of unemployed citizens. I hope the economic recovery will continue and nothing derails it. This is encouraging news, especially for the large number of unemployed citizens. I hope the economic recovery will continue and nothing derails it.

]]> Comment on Glimmers of Economic Recovery by Carey http://iamscreened.com/blog/2010/02/glimmers-of-economic-recovery/comment-page-1/#comment-888 Carey Fri, 26 Feb 2010 16:27:01 +0000 http://iamscreened.com/blog/?p=230#comment-888 Industrial Revolution 2.0. Great to hear the hum of factories starting up again and hopefully it will improve the outlook people have on the economy and their personal lives. Industrial Revolution 2.0. Great to hear the hum of factories starting up again and hopefully it will improve the outlook people have on the economy and their personal lives.

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