bad credit report, making me unhirable?

[shorty43]

What is the name of your state? nevada

Lost my job july, 2003. reference from employer is favorable, but since then, my credit report went from bad, (but was working on improving it), to worse. all applications require signing a "credit report check agreement". this must be the reason for a lack of interest in me as a potential employee. is this legal? anything I can do, aside from doing the best i can to take care of outstanding debts? thanks

 

[I AM ALWAYS LIABLE]

Re: bad credit report, not hirable?

What is the name of your state? nevada

Lost my job july, 2003. reference from employer is favorable, but since then, my credit report went from bad, (but was working on improving it), to worse. all applications require signing a "credit report check agreement". this must be the reason for a lack of interest in me as a potential employee. is this legal? anything I can do, aside from doing the best i can to take care of outstanding debts? thanks

My response:

Are the positions you're applying for requiring you to handle money; e.g., cashier, Blackjack dealer?

IAAL

 

[shorty43]

yes, the jobs are in the slot department of casinos. change person/coin redemption booth/ slot floor person.

 

[Beth3]

Then I suspect you're going to have a real problem. I have never worked for a casino but it's reasonable to assume they do indeed check credit histories on all candidates and rule out those from consideration who they deem to be a poor risk. Accurate or not, I'm sure their thinking is that those with poor credit and who have problems managing finances are more likely to try to put their hand in the till.

You may want to (and need to) consider another line of work until your credit problems straightened up.

 

[HomeGuru]

yes, the jobs are in the slot department of casinos. change person/coin redemption booth/ slot floor person.

**A: then I suggest applying for another position that does not require contact with cash and money.

 

[shorty43]

i appreciate the responses. at least i now know there is a link. it would bear noting though, IF one were inclined to "put a hand in the till", they perhaps would not have credit problems due to the fact that said thief would likely pay their bills....touch of humor to the irony of this type of situation. i would never condone stealing from an employer for ANY reason what-so-ever!
it is unfortunate indeed to have financial difficulties and not be able to obtain work to rectify them.....vicious circle to be sure. thank you all for your time and imput.
back to the drawing board. casino employment is no longer the ONLY game in town, (no pun intended).

 

[HomeGuru]

How about applying to be a shorty order cook?

 

[Beth3]

Good luck with the job search, shorty.

 

[JETX]

"is this legal?"
**** ACTUALLY, it has nothing to do with your handling money or not. The Fair Credit Reporting Act (15 U.S.C. §1681, et seq) allows the employer to get your credit report AS LONG AS they have your written permission first. Employers are given broad access to an individual's credit report, which they can use to evaluate eligibility for "employment, promotion, reassignment or retention." In short, as far as your employer or prospective employer is concerned, your credit rating is an open book once you give them permission.
Go to: http://www.ftc.gov/os/statutes/fcra.htm#604

"anything I can do, aside from doing the best i can to take care of outstanding debts?"
*** Not really. Employers often look at an employees credit profile as proof of maturity and responsibility, not just the creditworhiness of the individual.

An employer who uses your credit information against you is not only supposed to fess up to it, but must also give you the name, address and telephone number of the credit agency that provided the report about you. You are entitled to a free copy of the report from that agency.

You also have the right to correct any errors in credit reports compiled about you, and most experts recommend that you check and correct your file every few years, especially if you will be job hunting or applying for credit.

Finally, if you suspect a misuse of your credit report, you may want to contact your state consumer protection agency or attorney general to see whether state laws give you additional avenues for action.