A bad credit history can have many reasons. Family emergencies that incurred debt, selling a house with a loss or a more current problem: job loss. All are possible contributing factors of one’s ability to repay debt. A lack of ability is not the same as lack of responsibility. Some people are out there racking up credit cards knowing darn well they have no intentions to pay back. But there are others that rely on using credit cards and loans to secure survival. The problem though is, that both groups will become diliquint with their credit accounts and are being categorized with the same negative credit rating. Now, does that seem fair? Should a bad credit history keep me from getting the job I am qualified for? My answer is NO. My job skills have nothing to do with my personal financial situation. As long as the credit reports fail to differentiate between the two groups of dilinquints, I believe a job offer should not be hinged on a credit report.

I think the reason why we all go to work is to be able to pay bills like a responsible person. So companies should understand and give people with bad credit a chance and hire people on their experiences and capabilities not how much in their pockets.