Capitalism: It's like this, only with more screaming.
Today, I would like to discuss credit checks during job applications. I don't bother to check my credit. Whatever the lowest score is, I've earned it. I've earned it, not through irresponsibility, most people don't, but through misfortune: illness, job loss, circumstance. I tried to pay my bills, I just couldn't. Because no matter what the finger waggers like to say, anyone faced with the choice of paying the credit card bill and eating will choose to eat. Unless you've starved yourself to death to pay off your student loans, don't lecture me.
The reason I got my present job through a temp agency is that temp agencies, at least around here, don't do background checks. Everyone else does. I applied for a bank teller position and was told that my credit score was the only thing preventing me from getting the job. Then I had the humiliating experience of explaining each and every entry to the interviewer, in detail. That was so much fun.
Good credit scores are for the wealthy, the healthy and the lucky. If you're poor, you don't have a good credit score. You couldn't. You will pay your bills late, and if you've been poor more than 6 months, you know exactly how long each utility will wait before shutting you off- and you pay your bills accordingly. I've heard the advice not to get a credit card, but that's just the tip of the iceberg. Gas has gone up, electricity has gone up, water has gone up, food prices have skyrocketed, but you know what hasn't gone up? Wages.
More and more people are living one paycheck away from absolute ruin and part of the problem is credit scores. It wouldn't do me much good to finish college, because I couldn't pass a credit check anyway.
And what's the logic? I have no idea. There's no correlation that I could find between poor job performance and poor credit, and what sort of people do they think are desperate to get a bank teller position paying a little over minimum wage?
It's just another way to keep the boot of the plutocracy to my throat and make sure I, and millions more like me, don't ever climb one rung up the ladder. The more of the pie I have, the less they have, and if you have to go through life with only three gold-plated yachts, what's the point, really?