One of the biggest ironies of this crazy recession is the unfair Human Resource practice of credit checking new hires. Following layoff, there comes a time when unemployment benefits run out and all savings are gone, and life as you know it changes in ways you never could have predicted.
Can you imagine surviving months – or years – without cash reserves and having to feed your family using credit cards? Eventually, falling behind on your monthly payments so your credit score drops? And then, not able to make your house payment, you become a victim of foreclosure, so your credit score takes a bigger nosedive? And now comes a default on your student loan… (unless you can get a deferment).
Even if you're working part time at a fast food restaurant or convenience store, there's no way you can pay all your bills. There's no way you can support a family. And then, you finally get a job interview scheduled despite all the odds, and OMG, you get a job offer!!! But wait, the offer is rescinded because of your credit score. Give me a break!
This is uncalled for. A person's character these days can't be measured by their credit history. Too much of life has interfered to make credit scores valid anymore. While government tries to enact job bills, what about just banning automatic credit checks of new hires instead? I wonder how much this could help to reverse the unemployment situation. Could this stem the tide of the long term unemployed?
Maybe career coaches and counselors and career management professionals could band together to put pressure on hiring authorities to become more pragmatic in their new hire practices. Or maybe it's time to write our senators and representatives, or send them signed petitions – anything to call attention to this crazy practice that defeats the purpose of getting people back to work.
Thank you for listening to my rant. I'd love to hear your comments.
Wishing you career success in 2010,