Background check and credit

Aviator_Bakeek said:
What about a situation as myself where I was a stupid young adult, got more credit than I could handle, and then with interest charges and fees out the @$$ a $500 bill become $1500? I think judging someone by their credit is unreasonable.
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You just said you were a stupid young adult, yet then you say it's not right for an employer to judge you on your credit history? I think it says a lot about someone. For example, you "got more credit than you could handle", then went on a spending spree. That shows a lack of restraint, impulsiveness, and immaturity.

Now, this might not be you. But the majority of the US sees credit cards as "money in the bank" and even with a better job, raise, etc. will go out and get another credit card and max that one out too. My sister-in-law is a great example. $100k+ debt, she continues to take out student loans to pay her current loans, and takes a few classes a year to keep deferring her loans. Do companies want people like that working there? I don't think so.

Another reason for credit checks is for security reasons. Someone with a large debt load is more prone to taking bribes. Maybe not a factor for a burger flipper at McDonald's but for those higher corporate jobs there's a lot of internal secrets employees see.
 
ashtonATL said:
LMAO

The airline folks are THE LAST people that need to be judging ANYONE by credit...

if they bring it up just ask why chapter 7 is only ok for them
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What if YOU had bad credit and were interviewing for a job at a place like UPS, one of only nine US companies with a AAA credit rating? Your credit rating is important for a multitude of reasons. The airlines look at it to help determine what kind of person you are, whether you are someone trustworthy and dependable.
 
Brand X said:
What if YOU had bad credit and were interviewing for a job at a place like UPS, one of only nine US companies with a AAA credit rating? Your credit rating is important for a multitude of reasons. The airlines look at it to help determine what kind of person you are, whether you are someone trustworthy and dependable.
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by the time you can apply at UPS etc, I think you will have valuable experience with flying, which probably brought decent money into your account.

how about regionals, where people start the job from 9 dollar a hour CFI job, where they could barely afford to eat? lol
 
wheelsup said:
You just said you were a stupid young adult, yet then you say it's not right for an employer to judge you on your credit history? I think it says a lot about someone. For example, you "got more credit than you could handle", then went on a spending spree. That shows a lack of restraint, impulsiveness, and immaturity.

Now, this might not be you.
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I wish I had a spending spree!! I had to leave my home and was using my credit to help me keep up with the jones' while making minimum wage and not planning on incidental health, transportation, and bad luck issues that would keep me from paying those bills. My plan was really spoiled when the Air Force separated me for having "asthma" that I never had and was not diagnosed with after my separation (I had a whopping 4 month enlistment). I WAS a poor planner, now I have had to plan without having all the tools and benefits available to me (credit to finance my flight training).
 
"The airline folks are THE LAST people that need to be judging ANYONE by credit...

if they bring it up just ask why chapter 7 is only ok for them" Last time I checked this country is in debt by how many trillion???? I think a realistic approach is the precursor to solving these types of problems.:panic:
 
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