This just pisses me off!
Okay, genius tell me how anyone's supposed to improve their situation when A) you refuse to consider someone for a job since they didn't pay their bills & B) the person has been unemployed or otherwise had no money to PAY for said bills.
This is the same reasoning used by character & fitness committees for attorneys trying to get admitted to the bar. It is 100% classist & completely offensive. As someone who was caught in this catch-22 herself, it still infuriates me to this day. Contrary to their theory, I had nothing else on my record. Not even a parking ticket to my name.
It's obvious to me that anyone looking at credit reports for a job that has nothing to do with the handling of money is a total moron who came from privilege. These types are almost at the top of my list of people who should die slow, painful deaths with no one to mourn them.
Now I know a fair number of people who came from money & the ones I bother to associate with are decent people. They understand that classism is no way to help a poor person; it just keeps people down & makes them resort to crime in order to survive. If I personally were in such a situation, you'd better believe I'd do whatever I had to in order to survive. That's simple human nature.
If I had my way, credit reports would be far easier to correct & carry much less weight in basic decisions such as getting a place to live, having car insurance and employment. Oh, and if you expect someone to pay a debt they'll never repay it if you get a judgment on them. That just messes up their credit report & guarantees he/she will NOT get a legitimate job that might pay enough to repay it.
Studies have shown that credit reports are not completely reliable & furthermore, these alleged connections to things like bad driving, not paying rent, being vulnerable to bribes, etc. are junk. Plenty of people with sterling credit are doing these things; yet no one gives a damn about THAT.
It makes me want to withdraw from society & not have a credit history at all; I'm not a Michael Moore fan or anything (in fact, I'm a fan of no one since I won't go through anyone's trash or scream like a teenager at anyone's presence) but I will give him credit for his statement in "Sicko" about the conspiracy in this country to keep young people in line by putting them in debt forever. Check it out sometime.