View Poll Results: Should employers & landlords be prohibited from asking applicants if they have ......

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  • Employers and landlords should not be banned from asking about any criminal history

    18 35.29%
  • Employees and landlords should be banned from asking about any criminal history

    9 17.65%
  • Only employers should be banned from asking about any criminal history

    0 0%
  • Only landlords should be banned from asking about any criminal history

    1 1.96%
  • Employers should be allowed to ask about crimes are "significantly related"

    1 1.96%
  • Landlords should be allowed to ask about crimes that are "significantly related"

    0 0%
  • Both should be allowed to ask about crimes that are "significantly related"

    22 43.14%
  • I do not know.

    0 0%
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Thread: Should employers & landlords be prohibited from asking applicants if they have a ....

  1. #51
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Jerry View Post
    On credit rating, my personal goal is to have no FICO score (not a score of "0", but no score at all), and then freeze my credit history. At that time, should you look, you will not see a good or bad score, you see that I have no score at all.

    No score is a taken as a very bad score

  2. #52
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Jerry View Post
    On credit rating, my personal goal is to have no FICO score (not a score of "0", but no score at all), and then freeze my credit history. At that time, should you look, you will not see a good or bad score, you see that I have no score at all.
    No credit history is just as bad as a bad credit history, probably even worse.

    http://credit-management.bestmanagem...ad-credit.aspx
    Last edited by jamesrage; 07-26-11 at 03:54 PM.
    "A nation can survive its fools, and even the ambitious. But it cannot survive treason from within. An enemy at the gates is less formidable, for he is known and carries his banner openly. But the traitor moves amongst those within the gate freely, his sly whispers rustling through all the alleys, heard in the very halls of government itself. For the traitor appears not a traitor; he speaks in accents familiar to his victims, and he wears their face and their arguments, he appeals to the baseness that lies deep in the hearts of all men. He rots the soul of a nation, he works secretly and unknown in the night to undermine the pillars of the city, he infects the body politic so that it can no longer resist. A murder is less to fear"

    Cicero Marcus Tullius

  3. #53
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by lpast View Post
    No score is a taken as a very bad score
    But it's not a very bad score, it's not any score at all, because the history's frozen. Credit reporting agencies don't report a frozen history as a bad score, they report it as a frozen history.

    Now, an employer may take that as a negative, and if they do they will have to take that into consideration with the rest of my resume. Ideally they would ask me about it, so that I can tell them it's to help prevent identity theft.

    Chances are I wouldn't get along with an employer who required a good fico score anyway, as we would have fundamentally conflicting fiscal opinions.

    On balance, however, I've worked with contractors who seek out folks with criminal histories, especially those who are still on work release or parole, because these tend to make more reliable workers, and yes at a lower cost. The worker, in turn, receives a good report from their employer, learns a trade, and still makes good money compared to their other employment options (fast-food). These workers are also trusted to make purchases on the company's account, which looks great on future employment applications, but doesn't appear on a credit report.

    just my
    Last edited by Jerry; 07-26-11 at 03:53 PM.

  4. #54
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by jamesrage View Post
    No credit history is just as bad as a bad credit history, probably even worse.

    No Credit is Worse than Bad Credit
    I'm ok with that. IMO credit is simply a form of slavery, and I don't mean that in a melodramatic way. When you work all month and barely make your bills, and have little if anything to show for all your work, you can't honestly say you were working for yourself.

    On a national scale, China owns a lot of US debt, and that's not just symbolic, but China has claim to the hard assets securing that debt.
    Last edited by Jerry; 07-26-11 at 03:58 PM.

  5. #55
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Jerry View Post
    I'm ok with that. IMO credit is simply a form of slavery, and I don't mean that in a melodramatic way. When you work all month and barely make your bills, and have little if anything to show for all your work, you can't honestly say you were working for yourself.

    On a national scale, China owns a lot of US debt, and that's not just symbolic, but China has claim to the hard assets securing that debt.
    I'd agree if you said too much debt.
    Some debt is ok.
    Debt is a tool, if used for the right things and at the right time, it is very useful.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Harry Guerrilla View Post
    I'd agree if you said too much debt.
    Some debt is ok.
    Debt is a tool, if used for the right things and at the right time, it is very useful.
    Only a mortgage is acceptable as a necessary evil, because the typical person can't front the cost in cash.

    All other credit is "to much". Credit cards, student loans, business loans, national debt ceilings, all of it.

  7. #57
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Jerry View Post
    Only a mortgage is acceptable as a necessary evil, because the typical person can't front the cost in cash.

    All other credit is "to much". Credit cards, student loans, business loans, national debt ceilings, all of it.
    I agree and disagree.
    Just depends on the amount of risk your willing to take and the potential payoff of the use of that debt, in that instance.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Harry Guerrilla View Post
    I agree and disagree.
    Just depends on the amount of risk your willing to take and the potential payoff of the use of that debt, in that instance.
    That's you, not me. If you can't pay the total cost up front, you can't afford it.

  9. #59
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    Quote Originally Posted by Jerry View Post
    That's you, not me. If you can't pay the total cost up front, you can't afford it.
    That's totally fine, not disagreeing.
    I tend to throw that into "it depends" kind of thing.

    I'm willing to take out a loan to buy into an investment, provided that interest rate of the loan is lower than the earnings of the investment.
    Some are not as comfortable with that and that's ok.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  10. #60
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    Re: Should employers & landlords be prohibited from asking applicants if they have a

    If I operate a day care, I damn sure need to know if anybody applying to work there has any kind of criminal record...especially drugs, violent charges, and sexual charges.

    If I operate a bank, I need to know if anybody applying to work there has massive debt collection issues and/or a recent criminal record for drugs or theft.

    If I provide housing and I happen to have a lot of young women and/or kids living there, I need to know if anybody applying to lease has recent convictions for drug charges, sex charges, or violent charges.

    It's about liability, especially if that person has more than 1 recent conviction on their record. If I'm work with a vulnerable group (those with special needs, children, the elderly) I have to protect them. Hiring a sex offender to work in a day care? Not only would I lose my license, but I'd never be able to get business again once word got out.

    One charge from 20 years ago won't necessarily affect my decision, and circumstances matter..but I have a right to know what I'm letting in before I let it in. Criminal records are public almost 100% of the time for a reason.
    "Hmmm...Can't decide if I want to watch "Four Houses" or give myself an Icy Hot pee hole enema..." - Blake Shelton


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