Is it TRUE bankruptcy affects employment?

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Patnono

Member
Location
Whittier,Ca
I've written in the past that I tried caregiver didn't work out, too physical for me. Well I'm looking into retail, I have experience in that field. Someone wrote that you can't have any credit issues cause your dealing with money? I live in California where their not suppose to hold your credit against You? I have a bankruptcy on my record. Doesn't seem fair for this to happen? Just because you have a credit problem doesn't mean your going to Steal.
 

Reminded me of some of the stupid question on an application or during an interview. One of my favorites (during the interview):
Idiot: "Hmmmm, you seem to have been employed at several places that went out of business. Why is that?"
Me: "Well, by "several" you're referring to a liquor store & a small sporting-goods outlet. What could I have done to prevent them from going out of business?"
Idiot: "Well....you were an employee at those two places."
Me: "So....since you're an employee here, if this place closed, it would be your fault? Goodbye. I prefer to work where managers have more functioning brain cells that you have."
 
Patnono said:
WOW, did someone speak to you that eau? So disrespectful
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Not the worst I've experienced. A common request on an application is your salary history. There are 2 reasons why they would want that info. They use that to decide what you're worth - low salaries & no raises mean you weren't a good employee (to them). They're too stupid to figure out that your former employers were cheap. The other reason is to use that as a guide when they fix your salary....'why should we pay him more than he was paid before?' Well....um....Mr. Manager....why do you think I left them?
 
win231 said:
Not the worst I've experienced. A common request on an application is your salary history. There are 2 reasons why they would want that info. They use that to decide what you're worth - low salaries & no raises mean you weren't a good employee (to them). They're too stupid to figure out that your former employers were cheap. The other reason is to use that as a guide when they fix your salary....'why should we pay him more than he was paid before?' Well....um....Mr. Manager....why do you think I left them?
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I've been asked that, the last job asked what was I expecting? I say minimum wage, I'm a 64 year old. Jobs are hard to come by, so u can't be picky.
 
hollydolly said:
Looks like your OK Pat.... California is one of the 11 states where they can't discriminate due to your credit history...

https://www.selflender.com/blog/can-denied-job-bad-credit

BTW I'm shocked anyone can deny anyone a job due to Bad credit ..that would never happen here !! how is that encouraging anyone to get out of the financial poo, by denying them the chance to work?
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Thank you for researching that. It does seem so Unfair, people out there have credit issues who need a job to get on their Feet and fix their credit. I'd couldn't help but feel defeated? Doesn't mean they can't do the job? People could end up homeless? The b people who live in these States, should try and get this reversed?
 
Pat, my interpretation of your post is that you read somewhere that some retail employers might hold a past credit problem against applicants, but don't have any evidence or even a suggestion that you yourself have been discriminated against in that way.

California is among the states that cannot hold findings in your credit report against applicants, other than in very narrow circumstances. Seems to me that you should be ok to get a retail job, presuming that an employer finds you sufficiently qualified and well-suited for its needs.

To answer why an employer might find credit history pertinent, I once asked that very question back in the 70s, when my credit was being run for a new job. Since I was going to be working with and selecting vendors, it was important that my employer knew my personal debt load and history wouldn't indicate susceptibility for accepting graft or "gifts" from vendors in exchange for steering business their way. I found that a quite reasonable and acceptable explanation.

There are many ways to steal from an employer. Taking money directly from the till is only the most obvious (and least costly to them).
 
hollydolly said:
Looks like your OK Pat.... California is one of the 11 states where they can't discriminate due to your credit history...

https://www.selflender.com/blog/can-denied-job-bad-credit

BTW I'm shocked anyone can deny anyone a job due to Bad credit ..that would never happen here !! how is that encouraging anyone to get out of the financial poo, by denying them the chance to work?
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Employers have ways to get around such CA laws. They're also not allowed to ask you how old you are. I've had 2 employers ask me when I was 44. I answered the question & got hired. I knew that if I refused to answer, I wouldn't get hired & they could make up any reason for not hiring me. And, they're supposed to have you fill out the W-2 form (with your birth date) after offering you a job, but some employers will have you fill it out while they're "considering" hiring you.
 
Some car insurance co's use your bad credit rating to regard you as a higher risk and therefore charge more in premium! I say that's BS.

People don't always realize their credit rating can affect them in ways they never dreamed. But I am not sure about actual bankruptcy.
 
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RadishRose said:
Some car insurance co's use your bad credit rating to regard you as a higher risk and therefore charge more in premium! I say that's BS.

People don't always realize their credit rating can affect them in ways they never dreamed.
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That's ridiculous, and appalling. Surely by penalising people in that way, they're encouraging those who have bad credit history to drive without insurance ..

It doesn't happen here. !!

Obviously if you apply for credit on something and you have bad history, you may be turned down, usually are.. but not for a job, or important things like motor insurance...
 
RadishRose said:
Some car insurance co's use your bad credit rating to regard you as a higher risk and therefore charge more in premium! I say that's BS.

People don't always realize their credit rating can affect them in ways they never dreamed. But I am not sure about actual bankruptcy.
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HAHA. Reminded me of when my lease was just about up on my car & it was time for a new one. My credit rating is not bad, but there was a dentist who did a terrible bridge & charged me $3,000.00. After a year & complaints to the dental board, he gave me a refund. Then the credit card company tried to charge me $900.00 interest during the charge dispute, which is illegal.
NOBODY rips me off. They thought threatening to report it to TRW would intimidate me into paying. It lowered my credit score a little & two car dealerships tried to use that as an excuse to charge me more down payment & higher lease payments. I told BOTH dealerships where they could stick it - & also posted reviews on "Yelp."
When I went to the third dealership, I told them ahead of time that trying to extort extra money out of me wouldn't work, so don't waste my time. I got exactly the deal I wanted on a new car - and LOWER down payment and LOWER lease payments than my 3-year-old car.

Yeah....it's a matter of showing them who's boss.....Ya don't mess with the best!
 
RadishRose said:
Some car insurance co's use your bad credit rating to regard you as a higher risk and therefore charge more in premium! I say that's BS.

People don't always realize their credit rating can affect them in ways they never dreamed. But I am not sure about actual bankruptcy.
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I agree with hollydolly. That’s crazy.
 
Credit reports is just one factor in making decisions. It's not an all or nothing thing. When I had to decide on a prospective tenant as a de factor property manager, for instance, I have approved a new tenant even with a bankruptcy and those with"bad" credit. I've done that several times and they all worked out fine. It all depends on the circumstances. I think most landlords and employers do take more than credit reports into consideration. When those seeking employment and/or a place to live, and you know your credit report is not the best, then be prepared ahead of time with a good explanation. Another basic thing is to know how a former landlord or ex-employer will be recommending you, good or bad. Get on top of these things beforehand.
 
You're not denied car insurance, but some co's charge you more if your credit is bad. Irresponsible. I don't agree with the poor credit rating school of thought

No ins co. encourages people to drive without insurance.
1- it's against the law to drive without it in any state.
2- driving is not a right it's a privilege to those careful drivers who obey traffic laws
3 - you're stupid if you do it.
4- you cannot be refused insurance. If you are a terrible driver, you go into a pool where one of the ins. co. must, by law, write you a policy and you'll pay through the nose since you're a known high risk.

Finally, you can have you license revoked if you're really bad. I agree with all the above but not the credit rating
 
Olivia said:
Credit reports is just one factor in making decisions. It's not an all or nothing thing. When I had to decide on a prospective tenant as a de factor property manager, for instance, I have approved a new tenant even with a bankruptcy and those with"bad" credit. I've done that several times and they all worked out fine. It all depends on the circumstances. I think most landlords and employers do take more than credit reports into consideration. When those seeking employment and/or a place to live, and you know your credit report is not the best, then be prepared ahead of time with a good explanation. Another basic thing is to know how a former landlord or ex-employer will be recommending you, good or bad. Get on top of these things beforehand.
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At least in CT. it is against the law for a former employer to give out any info on you beyond date hired and date separated. No reasons are allowed to be disclosed.
 
RadishRose said:
At least in CT. it is against the law for a former employer to give out any info on you beyond date hired and date separated. No reasons are allowed to be disclosed.
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Even if it's a good report? Doesn't seem very fair for the ex-employee. There are many reasons for someone to have left a previous job.
 
RadishRose said:
At least in CT. it is against the law for a former employer to give out any info on you beyond date hired and date separated. No reasons are allowed to be disclosed.
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Laws are made to be broken. The owners at one retail outlet ripped their employees off on commissions - including me. When I quit, I wanted to see if my former employer would violate that privacy law. I changed my voice & called them, pretending to be another business owner with my application. Guess what? The owner FREELY gave out a whole bunch of negative information about me - all lies, of course.
I taught them an expensive lesson.....
 
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RadishRose said:
Oh yes, smaller businesses do it all the time. Hope you filed a complaint with the Labor Board! What happened @win231 ?
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I not only filed with the Labor Board & got back wages, plus damages, I also reported them to everyone I could think of. Within a year, they were out of business; not just because of me; they also ripped off customers & many people they owed money to. They were later charged criminally. Thieves never steal from just one person.
 
Olivia said:
Even if it's a good report? Doesn't seem very fair for the ex-employee. There are many reasons for someone to have left a previous job.
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If the employee was a good one, the previous employer will often say something like, "She's a candidate for one of your open positions? Lucky you! She was a true asset to our organization and everyone was sure sorry to see her go. I'd bring her back on in a minute if we had an opening and she showed any interest."

When potential employers call my husband or me for employment verifications about previous employees, we wax poetic about the good ones. So far we're batting 1000... they've ALWAYS gotten hired by the new firm, including two who went with the Los Angeles Police Department after college.

As for the law, in reality it kind of works like the enduring line from Thumper in the movie Bambi: "If you can't say somethin' nice, don't say nothin' at all."
Nobody's going to sue you for saying positive things about them.
 
It should only be 'a' variable taken in it's proper context at best. I understand some people have to declare bankruptcy given their particular options. But there are others that have abused bankruptcy for their bad decisions. I've seen both. I get if someone has a sudden job loss with a mortgage, kids etc. But if one over spent on credit cards or bought a car they had no business looking at that's another story. Regardless it should only be one of many other considerations.
 


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