Employer’s increased use of credit check

[paramount]

[quote=ucodegen][quote paramount]
Not even close, and no it was not personal. True I strongly suspect, but not personal…This is a public forum using aliases, how personal could it get? Get a clue.
[/quote]
People respond in a more ‘personal’ attack manner than usual when comments do strike close to home, even when they are hiding behind aliases… the previous ‘political’ bends/twists on some earlier postings (before poli-derailing was banned) can be taken as evidence on that.[/quote]

Huh?

[scaredyclassic]

woah paramount, not sure how you thought i was denigrating anyone. all im saying is it’s just outside the norm not to be heavily in debt. inf act, my co-workers are disturbed ina way when i say i don’t have amortgage. it seems, well, uncomfortable to them. like, what’s with me, why aren’t I tied down liek them?

if your debt is due to medical bills, well, that was outside the scope of the kinda debt i was talking about. obviosuly just looking at anumber and making ajudgment about a eprson is pretty dumb. but also obviously most of society does that throughout schooling, inclduing gpa, standardized test scores, etc… we love shorthand and love to attribute all sorts of characteristics to it. if you tell me your lsat (law school admissions test) score is in the highest 95th eprcentile, say, i’m probably going to have a particula r image of how quick and sharp youa re vs if you tell me that score is in the bottom 25th percentile. stupid, yeah. not taking into account all kinds of other things, yeah. sucks, yeah. we live and die by the numbers in this country. and to a large extent, the numebrs do correspond with something int he real world. not necessarily something that matters….but something…

[scaredyclassic]

woah paramount, not sure how you thought i was denigrating anyone. all im saying is it’s just outside the norm not to be heavily in debt. inf act, my co-workers are disturbed ina way when i say i don’t have amortgage. it seems, well, uncomfortable to them. like, what’s with me, why aren’t I tied down liek them?

if your debt is due to medical bills, well, that was outside the scope of the kinda debt i was talking about. obviosuly just looking at anumber and making ajudgment about a eprson is pretty dumb. but also obviously most of society does that throughout schooling, inclduing gpa, standardized test scores, etc… we love shorthand and love to attribute all sorts of characteristics to it. if you tell me your lsat (law school admissions test) score is in the highest 95th eprcentile, say, i’m probably going to have a particula r image of how quick and sharp youa re vs if you tell me that score is in the bottom 25th percentile. stupid, yeah. not taking into account all kinds of other things, yeah. sucks, yeah. we live and die by the numbers in this country. and to a large extent, the numebrs do correspond with something int he real world. not necessarily something that matters….but something…

[scaredyclassic]

woah paramount, not sure how you thought i was denigrating anyone. all im saying is it’s just outside the norm not to be heavily in debt. inf act, my co-workers are disturbed ina way when i say i don’t have amortgage. it seems, well, uncomfortable to them. like, what’s with me, why aren’t I tied down liek them?

if your debt is due to medical bills, well, that was outside the scope of the kinda debt i was talking about. obviosuly just looking at anumber and making ajudgment about a eprson is pretty dumb. but also obviously most of society does that throughout schooling, inclduing gpa, standardized test scores, etc… we love shorthand and love to attribute all sorts of characteristics to it. if you tell me your lsat (law school admissions test) score is in the highest 95th eprcentile, say, i’m probably going to have a particula r image of how quick and sharp youa re vs if you tell me that score is in the bottom 25th percentile. stupid, yeah. not taking into account all kinds of other things, yeah. sucks, yeah. we live and die by the numbers in this country. and to a large extent, the numebrs do correspond with something int he real world. not necessarily something that matters….but something…

[scaredyclassic]

woah paramount, not sure how you thought i was denigrating anyone. all im saying is it’s just outside the norm not to be heavily in debt. inf act, my co-workers are disturbed ina way when i say i don’t have amortgage. it seems, well, uncomfortable to them. like, what’s with me, why aren’t I tied down liek them?

if your debt is due to medical bills, well, that was outside the scope of the kinda debt i was talking about. obviosuly just looking at anumber and making ajudgment about a eprson is pretty dumb. but also obviously most of society does that throughout schooling, inclduing gpa, standardized test scores, etc… we love shorthand and love to attribute all sorts of characteristics to it. if you tell me your lsat (law school admissions test) score is in the highest 95th eprcentile, say, i’m probably going to have a particula r image of how quick and sharp youa re vs if you tell me that score is in the bottom 25th percentile. stupid, yeah. not taking into account all kinds of other things, yeah. sucks, yeah. we live and die by the numbers in this country. and to a large extent, the numebrs do correspond with something int he real world. not necessarily something that matters….but something…

[scaredyclassic]

woah paramount, not sure how you thought i was denigrating anyone. all im saying is it’s just outside the norm not to be heavily in debt. inf act, my co-workers are disturbed ina way when i say i don’t have amortgage. it seems, well, uncomfortable to them. like, what’s with me, why aren’t I tied down liek them?

if your debt is due to medical bills, well, that was outside the scope of the kinda debt i was talking about. obviosuly just looking at anumber and making ajudgment about a eprson is pretty dumb. but also obviously most of society does that throughout schooling, inclduing gpa, standardized test scores, etc… we love shorthand and love to attribute all sorts of characteristics to it. if you tell me your lsat (law school admissions test) score is in the highest 95th eprcentile, say, i’m probably going to have a particula r image of how quick and sharp youa re vs if you tell me that score is in the bottom 25th percentile. stupid, yeah. not taking into account all kinds of other things, yeah. sucks, yeah. we live and die by the numbers in this country. and to a large extent, the numebrs do correspond with something int he real world. not necessarily something that matters….but something…

[scaredyclassic]

whenever anyone on the internet starts whipping out bible citations, I’ve noticed, it’s usually to be a dick.

is that a new internet theorem, like the nazi postulate?

[scaredyclassic]

whenever anyone on the internet starts whipping out bible citations, I’ve noticed, it’s usually to be a dick.

is that a new internet theorem, like the nazi postulate?

[scaredyclassic]

whenever anyone on the internet starts whipping out bible citations, I’ve noticed, it’s usually to be a dick.

is that a new internet theorem, like the nazi postulate?

[scaredyclassic]

whenever anyone on the internet starts whipping out bible citations, I’ve noticed, it’s usually to be a dick.

is that a new internet theorem, like the nazi postulate?

[scaredyclassic]

whenever anyone on the internet starts whipping out bible citations, I’ve noticed, it’s usually to be a dick.

is that a new internet theorem, like the nazi postulate?

[garysears]

Another way a bad credit score can hurt…

Since we have been married all utilities have been in my name due to my better credit score (more than 2x the score). After our recent failed escrow we decided to rent another year but move out of our apartment into a house with a yard.

Many if not most property management companies will not rent to us due to my wife’s terrible score. My excellent score does not matter. Even though my wife is not employed and we stated on the first application that 100% of the payment will be mine and 0% hers, the manager insisted on each person over 18 qualifying individually (only after taking the excessive $70 application fee). We got smart after that and started asking up front about the low score issue.

Most managers are content hiding behind some interpretation of California law to explain if they did not have this policy it would be discriminatory. I guess we were looking too high end on the rentals and there are plenty of people looking with excellent credit. Otherwise such a policy would seem to needlessly reduce demand.

It blows my mind to be honest. But I am more than happy to not rent from such managers.

We recently found a good place after a long and frustrating search at a price 200-250 below what it would easily rent for by an owner who took the time to personally screen us. But the low score made things much more difficult than I thought reasonable.

[garysears]

Another way a bad credit score can hurt…

Since we have been married all utilities have been in my name due to my better credit score (more than 2x the score). After our recent failed escrow we decided to rent another year but move out of our apartment into a house with a yard.

Many if not most property management companies will not rent to us due to my wife’s terrible score. My excellent score does not matter. Even though my wife is not employed and we stated on the first application that 100% of the payment will be mine and 0% hers, the manager insisted on each person over 18 qualifying individually (only after taking the excessive $70 application fee). We got smart after that and started asking up front about the low score issue.

Most managers are content hiding behind some interpretation of California law to explain if they did not have this policy it would be discriminatory. I guess we were looking too high end on the rentals and there are plenty of people looking with excellent credit. Otherwise such a policy would seem to needlessly reduce demand.

It blows my mind to be honest. But I am more than happy to not rent from such managers.

We recently found a good place after a long and frustrating search at a price 200-250 below what it would easily rent for by an owner who took the time to personally screen us. But the low score made things much more difficult than I thought reasonable.

[garysears]

Another way a bad credit score can hurt…

Since we have been married all utilities have been in my name due to my better credit score (more than 2x the score). After our recent failed escrow we decided to rent another year but move out of our apartment into a house with a yard.

Many if not most property management companies will not rent to us due to my wife’s terrible score. My excellent score does not matter. Even though my wife is not employed and we stated on the first application that 100% of the payment will be mine and 0% hers, the manager insisted on each person over 18 qualifying individually (only after taking the excessive $70 application fee). We got smart after that and started asking up front about the low score issue.

Most managers are content hiding behind some interpretation of California law to explain if they did not have this policy it would be discriminatory. I guess we were looking too high end on the rentals and there are plenty of people looking with excellent credit. Otherwise such a policy would seem to needlessly reduce demand.

It blows my mind to be honest. But I am more than happy to not rent from such managers.

We recently found a good place after a long and frustrating search at a price 200-250 below what it would easily rent for by an owner who took the time to personally screen us. But the low score made things much more difficult than I thought reasonable.

[garysears]

Another way a bad credit score can hurt…

Since we have been married all utilities have been in my name due to my better credit score (more than 2x the score). After our recent failed escrow we decided to rent another year but move out of our apartment into a house with a yard.

Many if not most property management companies will not rent to us due to my wife’s terrible score. My excellent score does not matter. Even though my wife is not employed and we stated on the first application that 100% of the payment will be mine and 0% hers, the manager insisted on each person over 18 qualifying individually (only after taking the excessive $70 application fee). We got smart after that and started asking up front about the low score issue.

Most managers are content hiding behind some interpretation of California law to explain if they did not have this policy it would be discriminatory. I guess we were looking too high end on the rentals and there are plenty of people looking with excellent credit. Otherwise such a policy would seem to needlessly reduce demand.

It blows my mind to be honest. But I am more than happy to not rent from such managers.

We recently found a good place after a long and frustrating search at a price 200-250 below what it would easily rent for by an owner who took the time to personally screen us. But the low score made things much more difficult than I thought reasonable.

[Author]

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