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View Diary: Credit checks cause one in 10 unemployed people to be denied a job (136 comments)

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  •  Actually, they can... (4+ / 0-)
    Recommended by:
    elwior, Mistral Wind, DRo, johnny wurster

    ...if they can show they have a "permissible purpose", and a job application, I believe, counts.  I could be wrong about that, but I know some strange stuff counts as a "permissible purpose" (such as renting a car on a debit card--go figure).

    •  I would be interested in where you got your info. (2+ / 0-)
      Recommended by:
      blackjackal, johnny wurster

      To my knowledge, a job application is not a permissible purpose to check your credit in Pennsylvania. You must sign a separate consent to check your credit unless the application also explicitly states that you are authorizing an employer to check your credit.

      If you are saying this is not so, I would be interested in where you found that information.

      "When people show you who they really are, believe them." - Maya Angelou

      by Pennsylvanian on Tue Mar 05, 2013 at 01:32:40 PM PST

      [ Parent ]

      •  The FCRA itself, actually. (2+ / 0-)
        Recommended by:
        elwior, johnny wurster

        It reads:

        § 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
        (a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

        (3) To a person which it has reason to believe
        (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
        (B) intends to use the information for employment purposes; or
        (C) intends to use the information in connection with the underwriting ofinsurance involving the consumer; or
        (D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
        (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
        (F) otherwise has a legitimate business need for the information (emphasis mine)

        See Section 604 of the Fair Credit Reporting Act
        •  Read down futher....as I suspected. (0+ / 0-)

          (2) Disclosure to consumer.

          (A) In general. Except as provided in subparagraph (B), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless--

          (i) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and

          (ii) the consumer has authorized in writing (which authorization may be made on the document referred to in clause (i)) the procurement of the report by that person.

          "When people show you who they really are, believe them." - Maya Angelou

          by Pennsylvanian on Tue Mar 05, 2013 at 02:06:56 PM PST

          [ Parent ]

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