Employer’s increased use of credit check

[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.

[paramount]

[quote=walterwhite]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?[/quote]

Delete. Peace. And as they say in the aviation world, Clear Skies….

[paramount]

[quote=walterwhite]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?[/quote]

Delete. Peace. And as they say in the aviation world, Clear Skies….

[paramount]

[quote=walterwhite]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?[/quote]

Delete. Peace. And as they say in the aviation world, Clear Skies….

[paramount]

[quote=walterwhite]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?[/quote]

Delete. Peace. And as they say in the aviation world, Clear Skies….

[paramount]

[quote=walterwhite]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?[/quote]

Delete. Peace. And as they say in the aviation world, Clear Skies….

[UCGal]

The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.

[UCGal]

The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.

[UCGal]

The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.

[UCGal]

The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.

[UCGal]

The point about medical bills is well taken. As someone who’s had 3 family members face 5 different cancers, I know how medical bills can come out of nowhere and impact finances.

The point that scaredy made about arbitrary scores being everywhere in our lives is also valid. SAT scores and GPAs to get into college. Heck my company does background checks and checks GPAs and verifies degrees issued – and has for more than a decade… so screwing up your first year of college CAN follow you for a long time. It’s as arbitrary and “in the past” as credit scores demolished by past medical bills.

I’m not defending the system. I’m not in the job market (at the moment) so I hope none of these arbitrary numbers work against me. But circumstances could change and I could be a victim of bad credit score, less than 4.0 gpa in college, etc.

As for the earlier responses to me… All I said was that I am frugal. I also mentioned that I hope (and save) towards a goal of having a good retirement. Somehow that made me beholden to treasure and a slave to my credit score. That’s a pretty big leap since neither are true. I also have goals of raising my sons to be decent humans, being a good wife, a good employee, being a good neighbor. I don’t care if you believe me.

[scaredyclassic]

You know on the other hand in Parasermononthemounts defense I think there is something weird about this retirement thIng, like somehow money and travel and leisure are gonna be some kind of payoff and compensation for a life that is tolerated and endured.

in reality most travel is a letdown if not completely sucky and having bigpile of money can be distracting from reality.

I am uncomfortable when I hear coworkers talking about how great retirements going to be; it seems to me to be a denial of the present, maybe not of god, but if the coolness of us all being here at work doing our thing, retarded as it might sometimes seem to be, it is undeniably our life, I feel there is something sacrilegious about retirement planning and wishing. i especially despise “reitrement countdown clocks” they seem to me to be evil and well a sin. like wishing the days away, and not honoring the moment.

Personally I know to a certainty that I will never ever retire unless I’m medically crippled. two reaosns; I like my gig too much; im into it. it’s not justa job, it’s like an identity and a way of life. i think i’d die in away if i didn’t do my lawyering thing.

and second, I could never amass enough cash to comfortably retire I’d expect it all to vanish tomorrow wherever I put it.

so yeah in a sense I feel retirement planning violates in some deep way the “be here now” philosophy I feel is at the center of everything. don’t use countdown clocks, don’t think the future is somehow gonna be betetr or different than the present, or that anywhere else is gonna be betetr or different than right here right now, baby, this is it! reality is just the rpesent, that’s all we have, wherever we may be.

I just got nervous when the new testament is used to support the position prefer a zen koan. it’s not that im anti-christian. i just get nervous.

[scaredyclassic]

You know on the other hand in Parasermononthemounts defense I think there is something weird about this retirement thIng, like somehow money and travel and leisure are gonna be some kind of payoff and compensation for a life that is tolerated and endured.

in reality most travel is a letdown if not completely sucky and having bigpile of money can be distracting from reality.

I am uncomfortable when I hear coworkers talking about how great retirements going to be; it seems to me to be a denial of the present, maybe not of god, but if the coolness of us all being here at work doing our thing, retarded as it might sometimes seem to be, it is undeniably our life, I feel there is something sacrilegious about retirement planning and wishing. i especially despise “reitrement countdown clocks” they seem to me to be evil and well a sin. like wishing the days away, and not honoring the moment.

Personally I know to a certainty that I will never ever retire unless I’m medically crippled. two reaosns; I like my gig too much; im into it. it’s not justa job, it’s like an identity and a way of life. i think i’d die in away if i didn’t do my lawyering thing.

and second, I could never amass enough cash to comfortably retire I’d expect it all to vanish tomorrow wherever I put it.

so yeah in a sense I feel retirement planning violates in some deep way the “be here now” philosophy I feel is at the center of everything. don’t use countdown clocks, don’t think the future is somehow gonna be betetr or different than the present, or that anywhere else is gonna be betetr or different than right here right now, baby, this is it! reality is just the rpesent, that’s all we have, wherever we may be.

I just got nervous when the new testament is used to support the position prefer a zen koan. it’s not that im anti-christian. i just get nervous.

[scaredyclassic]

You know on the other hand in Parasermononthemounts defense I think there is something weird about this retirement thIng, like somehow money and travel and leisure are gonna be some kind of payoff and compensation for a life that is tolerated and endured.

in reality most travel is a letdown if not completely sucky and having bigpile of money can be distracting from reality.

I am uncomfortable when I hear coworkers talking about how great retirements going to be; it seems to me to be a denial of the present, maybe not of god, but if the coolness of us all being here at work doing our thing, retarded as it might sometimes seem to be, it is undeniably our life, I feel there is something sacrilegious about retirement planning and wishing. i especially despise “reitrement countdown clocks” they seem to me to be evil and well a sin. like wishing the days away, and not honoring the moment.

Personally I know to a certainty that I will never ever retire unless I’m medically crippled. two reaosns; I like my gig too much; im into it. it’s not justa job, it’s like an identity and a way of life. i think i’d die in away if i didn’t do my lawyering thing.

and second, I could never amass enough cash to comfortably retire I’d expect it all to vanish tomorrow wherever I put it.

so yeah in a sense I feel retirement planning violates in some deep way the “be here now” philosophy I feel is at the center of everything. don’t use countdown clocks, don’t think the future is somehow gonna be betetr or different than the present, or that anywhere else is gonna be betetr or different than right here right now, baby, this is it! reality is just the rpesent, that’s all we have, wherever we may be.

I just got nervous when the new testament is used to support the position prefer a zen koan. it’s not that im anti-christian. i just get nervous.

[scaredyclassic]

You know on the other hand in Parasermononthemounts defense I think there is something weird about this retirement thIng, like somehow money and travel and leisure are gonna be some kind of payoff and compensation for a life that is tolerated and endured.

in reality most travel is a letdown if not completely sucky and having bigpile of money can be distracting from reality.

I am uncomfortable when I hear coworkers talking about how great retirements going to be; it seems to me to be a denial of the present, maybe not of god, but if the coolness of us all being here at work doing our thing, retarded as it might sometimes seem to be, it is undeniably our life, I feel there is something sacrilegious about retirement planning and wishing. i especially despise “reitrement countdown clocks” they seem to me to be evil and well a sin. like wishing the days away, and not honoring the moment.

Personally I know to a certainty that I will never ever retire unless I’m medically crippled. two reaosns; I like my gig too much; im into it. it’s not justa job, it’s like an identity and a way of life. i think i’d die in away if i didn’t do my lawyering thing.

and second, I could never amass enough cash to comfortably retire I’d expect it all to vanish tomorrow wherever I put it.

so yeah in a sense I feel retirement planning violates in some deep way the “be here now” philosophy I feel is at the center of everything. don’t use countdown clocks, don’t think the future is somehow gonna be betetr or different than the present, or that anywhere else is gonna be betetr or different than right here right now, baby, this is it! reality is just the rpesent, that’s all we have, wherever we may be.

I just got nervous when the new testament is used to support the position prefer a zen koan. it’s not that im anti-christian. i just get nervous.

[Author]

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