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Tag: credit reportsBy The Wizard of Laws, Section News
Cross-posted in The Wizard of Laws
Credit buying is much like being drunk. The buzz happens immediately, and it gives you a lift. The hangover comes the day after. -- Dr. Joyce Brothers Many of us have felt the effects -- both positive and negative -- of a buying binge. Sometimes, we spend wisely. At other times, our decisions are rational, but circumstances change, or we just get in a bit too deep. Regardless of the reasons or the outcomes, we make these decisions voluntarily, ourselves. No one puts a gun to our heads and says, "Buy this fridge on credit or else!" Our credit histories can affect us in many ways, not least of which is in our efforts to find new employment. Over recent years, employers have grown more sophisticated in screening employment applications and using all of the tools available to them, include credit reports. Apart from the ongoing attack on using criminal histories to screen applicants, about which I will write more in the near future, there is a new bill pending in the Michigan House of Representatives, sponsored by the usual suspects, that would prohibit employers from using credit histories to screen potential employees. Well, some employers would be prohibited. The bill's drafters have apparently discerned that, in some cases, it might be a bad idea to have an employee with credit problems. (3 comments, 622 words in story) Full Story |
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