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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
Loc: theororist
Last seen: 4 years, 8 months
whos idea was it..
    #4085868 - 04/22/05 07:31 PM (11 years, 7 months ago)

... to make credit history a contributing factor in being approved for employment, rental properties and whatever else?


it's against federal law to disqualify based on race, creed, color, sex etc..
but checking credit is not?

a wonderful loophole in equal oppourtunity...


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Offlinecb9fl
Senior ChildMolestationExpert
Registered: 06/12/03
Posts: 3,104
Loc: florida
Last seen: 7 years, 3 months
Re: whos idea was it.. [Re: ricyjo]
    #4085881 - 04/22/05 07:35 PM (11 years, 7 months ago)

race, creed, color, sex

Those are things you are born with and thus are out of your control. Your credit history is a direct result of your actions. If you fucked up your credit it's your fault not genetics.


--------------------
It is better to be hated for what you are than to be loved for what you are not. -Andre Gide

"Generosity is nothing else than a craze to possess. All which I abandon, all which I give, I enjoy in a higher manner through the fact that I give it away. To give is to enjoy possessively the object which one gives."


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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
Loc: theororist
Last seen: 4 years, 8 months
Re: whos idea was it.. [Re: cb9fl]
    #4085931 - 04/22/05 07:57 PM (11 years, 7 months ago)


If the company you work downsizes unexpectedly and you find yourself out of a job and unable to make ends meet for a month or two... this is entirely your fault?!

fuck you pal...

and how does it make MORE sense to make people struggling with lack of income to make them pay more penalties when attempting to find work or a place to live? BULLSHIT.

I guess the next logical question would be: does credit history follow you to another country? Or did the nazi's work out a transatlantic credit fuckover as well?


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InvisibleDieCommie
El Guapo
Registered: 12/11/03
Posts: 27,904
Re: whos idea was it.. [Re: ricyjo]
    #4085955 - 04/22/05 08:05 PM (11 years, 7 months ago)

Quote:

ricyjo said:
If the company you work downsizes unexpectedly and you find yourself out of a job and unable to make ends meet for a month or two...  this is entirely your fault?!


Yes because any responsible person would have at least a small amount of savings to fall back on.... or.... would cut the bills (turn off the cable, sell the overpriced car)  Americans consume so much more than is needed, and often they consume more than they can afford.  That is entirely the individuals fault.  If you maintain a balance on your credit card you are irresponsible.  If you borrow money for products that depreciate in values you are irresponsible.  If you dont bite the bullet and get a job in a restaurant when you get laid off, you are lazy and irresponsible.

Just my two cents, i know these views aren't popular here because members like to blame the govt. and corporations for their own inadequacies.

edit-looks like you have a bad credit (trade) rating here on the message board too.... That speaks volumes... :shake:


Edited by Qubit (04/22/05 08:07 PM)


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InvisibleDieCommie
El Guapo
Registered: 12/11/03
Posts: 27,904
Re: whos idea was it.. [Re: DieCommie]
    #4085963 - 04/22/05 08:10 PM (11 years, 7 months ago)

another thought-

If you have bad credit (ie cant be trusted with payment) you should still be able to get an apt if you pay for all the rent in advance. This is what i did when i moved out. I had no/bad credit so i had to get a cheap ghetto apt and pay for all 6 months ahead of time. After that lease i had good rental history and moved into a better one bedroom with the normal pay as you go plan.


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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
Loc: theororist
Last seen: 4 years, 8 months
Re: whos idea was it.. [Re: DieCommie]
    #4086019 - 04/22/05 08:28 PM (11 years, 7 months ago)

I think we should just euthanize people with bad credit ya know?
Nothing a good ol' 'liquidation of the creditless' can't solve.
Or at least stick them in parts of cities where they're not seen by people without a conscience.

..And you have a tibetan flag as an avatar... how compassionate of you.
Potala has bad credit with China... thats why it's in Nepal.


Whats a trade rating?


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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
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Re: whos idea was it.. [Re: ricyjo]
    #4086030 - 04/22/05 08:33 PM (11 years, 7 months ago)

I can't wait for disqualifications based on DNA sequences...

Won't that be wonderful?



"Dear Mr, Earfulls

We could not find an insurance firm to accept you as a client because you have bad credit.. AND you have a predisposition to crack whoredom and cancer."


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InvisiblePsychoactive1984
PositiveCynicist
Male
Registered: 02/06/05
Posts: 3,546
Loc: California, Monterey Coun...
Re: whos idea was it.. [Re: ricyjo]
    #4086039 - 04/22/05 08:36 PM (11 years, 7 months ago)

Regardless of how far you wish to misconstrue this to your own ends to support your current situation....

Credit rating is a good indication as to how responsible someone is, by way of being able to control their finances, and spending behavior.... perhaps it shouldn't be drawn out to the extent that it is... but neither should your implied idea that credit ratings are similar to nazism.


--------------------
"Their is one overriding question that concerns us all: How can we get out of the fatal groove we are in, the one that is leading towards the brink?" Albert Szent-Gyorgyi
"We may not be capable of eradicating the corruption of reason, but we must nevertheless counter it at every instance and with every means." Dan Agin
"Politics is the best religion and politicians are the worst followers."
-It's ok to trip as long as you don't fall.
-Substance over Style.
-Common sense is uncommon.


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Offlinecb9fl
Senior ChildMolestationExpert
Registered: 06/12/03
Posts: 3,104
Loc: florida
Last seen: 7 years, 3 months
Re: whos idea was it.. [Re: ricyjo]
    #4086041 - 04/22/05 08:37 PM (11 years, 7 months ago)

Do you not understand the difference between genetic variations and a financial risk? A company may not give a credit card, which is essentially a loan, to a person with bad credit because they are a financial risk. It's not discrimination based on genetic factors or some kind of personal dislike for the person.

I'm sure it sucks to have bad credit but just work on it. Get a secured credit card or get a credit card with a really fucking high interest rate but pay it off every month.


--------------------
It is better to be hated for what you are than to be loved for what you are not. -Andre Gide

"Generosity is nothing else than a craze to possess. All which I abandon, all which I give, I enjoy in a higher manner through the fact that I give it away. To give is to enjoy possessively the object which one gives."


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Offlinezappaisgod
horrid asshole

Registered: 02/11/04
Posts: 81,741
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Re: whos idea was it.. [Re: cb9fl]
    #4086136 - 04/22/05 09:09 PM (11 years, 7 months ago)

That was a fairly fine asswuppin' and I am proud to associate with such people as would deliver it.


--------------------


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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
Loc: theororist
Last seen: 4 years, 8 months
Re: whos idea was it.. [Re: zappaisgod]
    #4086593 - 04/22/05 11:35 PM (11 years, 7 months ago)

okay but, where does the paralell universe fit into all this?

i mean, drugs are required to see the paralell universe right?

and the information contained in the paralell universe is chock full of price breaks and freebies right?

how is this fair to people who aren't shaman enough to venture into the paralell universe to take advantage of it's goodies?


who needs credit when you can sell that information right?


what the fuck am i talkin about?


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InvisibleDNKYD
Turtle!

Registered: 09/24/04
Posts: 12,326
Re: whos idea was it.. [Re: ricyjo]
    #4086657 - 04/22/05 11:57 PM (11 years, 7 months ago)

I can understand credit checks for employment. I don't necessarily agree with it, but I can understand the employers desire to know.
It really isn't too hard to keep your credit in good standing. I've had credit for less than a full year now and it's easy to keep it damn near perfect. Just don't spend more than you can afford, save some of your pay for emergencies, and never make a late payment. Simple.


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InvisiblePsychoactive1984
PositiveCynicist
Male
Registered: 02/06/05
Posts: 3,546
Loc: California, Monterey Coun...
Re: whos idea was it.. [Re: ricyjo]
    #4086736 - 04/23/05 12:17 AM (11 years, 7 months ago)

Quote:

ricyjo said:

what the fuck am i talkin about?




--------------------
"Their is one overriding question that concerns us all: How can we get out of the fatal groove we are in, the one that is leading towards the brink?" Albert Szent-Gyorgyi
"We may not be capable of eradicating the corruption of reason, but we must nevertheless counter it at every instance and with every means." Dan Agin
"Politics is the best religion and politicians are the worst followers."
-It's ok to trip as long as you don't fall.
-Substance over Style.
-Common sense is uncommon.


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Offlinericyjo
agent calypso

Registered: 07/22/02
Posts: 1,496
Loc: theororist
Last seen: 4 years, 8 months
Re: whos idea was it.. [Re: DNKYD]
    #4086795 - 04/23/05 12:32 AM (11 years, 7 months ago)

Quote:

DNKYD said:
I can understand credit checks for employment. I don't necessarily agree with it, but I can understand the employers desire to know.
It really isn't too hard to keep your credit in good standing. I've had credit for less than a full year now and it's easy to keep it damn near perfect. Just don't spend more than you can afford, save some of your pay for emergencies, and never make a late payment. Simple.





Dont fall on tough times... ever.

Employers logic: "Heres a good candidate, oh wait!.. he has bad credit.. he must really need a job now...HAHAHHHAAHHAHA!!! oh well."

That's kinda like denying employment to homeless person because he's homeless.


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InvisibleDNKYD
Turtle!

Registered: 09/24/04
Posts: 12,326
Re: whos idea was it.. [Re: ricyjo]
    #4086814 - 04/23/05 12:36 AM (11 years, 7 months ago)

I've had rough times where my hours were cut hardcore at work (retail). That would have left me up shit creek without a paddle, but I was smart and planned ahead. I had some money saved up for that very purpose, in case something came up with my job and I needed it. If you are responsible with saving and spending you won't have a problem. If not, well.... sucks to be you


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Offlinesuperblingtheory
ghettogepetto

Registered: 11/02/03
Posts: 921
Loc: Omnipresent
Last seen: 3 years, 11 months
Re: whos idea was it.. [Re: DNKYD]
    #4086851 - 04/23/05 12:43 AM (11 years, 7 months ago)

Lest we forget that the problem of bad credit is a deeper issue than we tend to make it and it all stems from the forementioned qualit of overconsumption and a misguided set of rules and standards set up willfully/or otherwise to take more from people who know less. So in one way I see your point- however- I do believe that if we are ever going to get over the hump of relying on that excuse (idiocy/low IQ) to bail us out of bad credit, we must stop clutching the crutch and workk towards a solution- ie- (If the credit problem is yours for instance, I assume you have the power to view your mismanagements from a distance- longitudinally- we are not all so inept as to need actual assistance with managing money- we are taught that it's ok to lean on the issue of "them against me in a vast conspiracy to..). Get my drift?


--------------------

Guts and danger, Airborne Ranger...


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Offlinecb9fl
Senior ChildMolestationExpert
Registered: 06/12/03
Posts: 3,104
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Last seen: 7 years, 3 months
Re: whos idea was it.. [Re: superblingtheory]
    #4086870 - 04/23/05 12:47 AM (11 years, 7 months ago)

i don't really understand the logic behind the employer checking your credit history. it seems almost logical that the worse credit history you have the more likely they are to hire you since you're less likely to leave a paying job.


--------------------
It is better to be hated for what you are than to be loved for what you are not. -Andre Gide

"Generosity is nothing else than a craze to possess. All which I abandon, all which I give, I enjoy in a higher manner through the fact that I give it away. To give is to enjoy possessively the object which one gives."


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InvisibleDieCommie
El Guapo
Registered: 12/11/03
Posts: 27,904
Re: whos idea was it.. [Re: cb9fl]
    #4086930 - 04/23/05 01:03 AM (11 years, 7 months ago)

Only "real" jobs check for credit. Only places I have worked is restaurant and retail, neither of which care about my credit.


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OfflineMushmonkey
shiftlesslayabout
 User Gallery

Registered: 09/26/03
Posts: 10,378
Last seen: 2 years, 3 months
Re: whos idea was it.. [Re: DieCommie]
    #4087653 - 04/23/05 05:26 AM (11 years, 7 months ago)

credit checks aren't as much of a determining factor for employment as i think you're making it out to be.

really. i've got relatives with horrid credit and they still find good jobs.

and as far as renting an apartment -- of course they'll check. evicting someone because of lack of rent payment is a troublesome affair that would best be avoided altogether.


biggest problem with credit checks? the agencies that handle your credit report (there's like 3 or 4, 'least that I know of, used in the US).. yeah, they do tend to fuck things up. errors that show up, may sit there, only to be realized when your report is checked for some reason


--------------------
i finally got around to making a sig
revel in its glory and quake in fear at its might
grar.


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