America, the Land of Limited Opportunity

I'm an average Jane.  I live on what I make, and then some.  Meaning, I barely make it most of the time.

I am a typical story you hear of in the news; I lost my home to foreclosure, I am a single parent and I have been laid off from my job.  You could write a song about it, or, too bad I don't have eight babies, then I could sell my story and write a book for profit.

A huge part of this land we live in revolves around credit.  And credit being such a big issue in todays world, becomes the marker that you carry with you for the rest of your adult life.  Like a tattoo or a brand for everyone to see.  It is there forever, and it is very hard to get rid of, should it go bad.

Well, today I learned that we live in a land of limited opportunity.  This is not America the Land of Great Opportunity, when you were born here, vote here and struggle here.  You come here from somewhere else, destitute and in need, and we are happy to help you, no problem!  But if you live here, pay taxes here and call this land your home, you better learn to fight hard for what you want and pay out the ***, whether financially or figuratively.

Despite the fact that we are bailing out the big banks, the auto makers and the lenders (all of which had a hand in their own mess), the little guys out here, who also have a hand in our own life messes, are having doors shut in our faces, with no bailout in sight.  The creditors are still calling, the bills still have to get paid, and we aren't being handed "Get out of Jail Free" cards and passes to "Go", despite our past financial mistakes.

I was laid off from my job as an Executive Assistant in December. I have been actively seeking employment since this time.

I have had success in applying for positions and have attended a handful of job interviews, as well as required unemployment seminars. 

During the last interview, I was asked to come back for a follow up, and was then made an offer of employment, contingent on a credit and background check.

I let my interviewer know that I had poor credit and a foreclosure in my background, as it was mentioned to me that if I had
any significant financial or credit issues, it may be a "red flag" to the company running the report, so I should disclose it ahead of time.

I received a phone call today letting me know that the offer of employment was being rescinded.  The company corporate office was not able to approve me as an employee due to my credit history.

In these economic times, it is difficult enough to be searching for employment.  How is only allowing those with good credit to be considered as "employable", going to help the economy? 

As it stands now, there are already fewer positions available than candidates, and this makes the market even tougher. 

By branding those with credit issues "unemployable", a worse and lengthier unemployment situation is being created for average candidates who are living in this paycheck to paycheck society.

America might be beautiful, but to live here, the opportunities are limited and few.

WhatMattersCannotBeSeen WhatMattersCannotBeSeen
31-35, F
6 Responses Feb 16, 2009

Me too! My credits horrible too! I can't rent a car because I don't have credit card. My own bank reject my credit card application, because of my credit score too low.<br />
But, however, I'm almost debt free now!<br />
Since i divorce that B****. I came out empty hand and a car reprocessed on New Year's Eve of 2008. As a single father, 2 part-time jobs, and going to college. My option is moving to my mom's house. I made this far as good! Now I own a cyber-franchise and working part-time as an independent contractor. <br />
Can you see the light? Now the bank has an option that you could rebuild your credit for one year with your own saving account.<br />
Unemployment.... J.O.B. (just over broke). To work for someone else plan. When should you think it better to work for your own plan? <br />
I have!!!!! Been there done that.....I 'm an immigration... Just another beginning.....

I have bad credit (mainly due to medical disability etc). I was on the road to restoring my credit when my job of 7 yrs laid me off in May. Now, I can't even seem to get a job even from a temp agency. I had one temp agency that thought they had a job for me with AIG as a receptionist but even though the agency did their own credit check, AIG does their own as well. Needless to say, I didn't get the job. AIG of all companies, should believe in 2nd chances. <br />
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If I don't find something soon, I'm going to have to file and I really want to avoid all of that.

My credit history is far from being okay. Jobs these days is why my credit score is low. I am a responsible and a hard worker that wants to work and it seems that no matter how awesome you are for a job, you will not be considered because of your credit score. That's driving me crazy. Make me understand please!!!<br />
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For me, my credit went down the drain because of not being employed and not being able to pay my bills. All I'm asking is please give people like me a chance. I want to fix my credit score but how can I if I can't get a job to make the money to do so? I don't know what to do anymore. I'm losing hope and just want to go away. I'm so lost with all this and it's just hard.

All I ask if you agree with me and our just as frustrated by this, is that you send a letter online to your district congressman.... no that I have much faith in them these days. But, this is what I did yesterday.<br />
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I wrote to my Congressman and I sent a letter to my Governor.<br />
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If the consumers don't speak up, this practice will NOT stop and the unemployment situation WILL (it now HAS) become lengthy and almost impossible for average bad credit workers to get out of. <br />
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I have to tell you, it does not stop in offices. I got desperate in my job search about four weeks ago, and I applied at one of the local "One Stop Shopping" retail/grocery stores. I was TURNED DOWN for the same reason!!!!<br />
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So, please tell me what this is coming to!? I can't even flip burgers or sell clothes in retail, or answer a telephone because YOU don't like my credit?<br />
BUT, you hand the big banks money and they clinch it so tight, they won't borrow it back to me......<br />
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How is keeping me (and the rest of the average Joe's) unemployed going to HELP the economy GROW??<br />
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WRITE YOUR CONGRESSMAN. Go to Google and type in your State name and find out who your District is represented by. Send them a letter by email.<br />
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We will not get ahead if we are KEPT behind.

I do not understand this, not one iota. What does a credit check have to do with becoming an employee? I consider my credit history just that...history. I pay my bills, I need money, I want to work, I have skills, HIRE ME. What could that info possibly have to do with being hired? How is my credit history anyone's business unless I'm applying for credit? What bullshit.

That is such bullshit (that they do that, I mean).<br />
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Credit scoring is fairly random and arbitrary anyway, isn't it?<br />
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Pay your VISA bill late one day and it will drop your score 100 points and stay on your record for a Biblical 7 years. And the only thing that really raises your score? Applying for (and getting) more credit (be it car, credit or otherwise). Seems counterproductive to me.<br />
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And God forbid you try to correct erroneous information on your report. Submit your letter to Equifax and then 6-8 weeks later you will be informed that, nah, they're leaving it on there.<br />
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And what does ANY of that have to do with a person's ability to do a job? What dos that have to do with typing, data entry, mastery with Excel?<br />
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But these days doesn't everyone have bad credit?<br />
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How can it still be considered a "stigma" or a marker of personal sin when 75 percent of America has bad credit now?<br />
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And what about Bernie Madoff? You know, the guy that bilked $300 billion out of stock holders with his insane Ponzi scheme? Betcha old Bernie had PERFECT credit....right up until he was led away in handcuffs<br />
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Losing a job because of a credit score in 2009 is ridiculous.