I appreciate the comments. This is how we get the whole story.

I have actually had an insurance company forgive my situation after I explained it. It may not work, but it is better than telling a lie. Just sayin….

This discriminatory practice of pulling people’s credit report must stop. There is a Bill sitting stalled on the House floor that most American’s don’t even know exists. It was drafted by Rep. Steve Cohen in July of 2009. It’s called H.R. 3149 Equal Employment For All Act. But due to Lobbyists, PAC, the 3 Big Credit Bureaus, & even SHRM all buying out the politicians, they are determined to stop the passage of the bill. 90% of Americans that do know about the bill’s existence are all for it.

Want to read many more factual articles from around the country, & follow the money, just go to this blog: http://hr3149.blogspot.com/2010/03/democracy-and-money-why-hr3149-is.html

Come join our group on Facebook, give us your voice as support in getting the word out on our grassroots movement. Here’s the link: http://www.facebook.com/group.php?gid=186365853370
As long as this practice is allowed to continue, more & more people are caught in the Catch 22 of No Job=Bad Credit & Bad Credit=No Job. Your credit report is just that, yours. It is PRIVATE, & no one should have access to it. There are some out there actually claiming it proves your worth, honesty, & credibility. It’s all lies! It has nothing to do with one’s character or moral ethics. In this current economy, especially with over 8 million people being unemployed, they are making the middle class disappear, & that’s only the ones being reported…remember, there are many who have given up & who are not collecting benefits. To check on ones character & moral ethics is why we have employment & educational history, references, & criminal background checks.

This is just another way to plunder millions more into poverty. And for some out there thinking that it’s ok, it doesn’t affect me, you’d better wake up. As more & more people need assistance from public funding, taxes are going to skyrocket in order for the funding to be there for them. So go tell everyone you know about this Bill. Even if it’s not happening to you personally we all know someone, or they know someone else, that it is happening to. Do you realize besides unemployment, that it only takes one large medical bill, a divorce, a student loan, a death, or identity theft to cause you massive problems. All the explaining in the world isn’t do anyone any good. Did you know it is against the law for any employer to pull your credit report without your permission? Did you also know it against the law for them not to put in writing if that was the reason you were denied employment, or a promotion? So what they are doing is sure, they’re asking your permission, but now you feel stuck because you know if you say “No”, they’ll disqualify you immediately. And way too many of them aren’t telling people anything, especially in writing. All they’re saying is “You’re not qualified.” Even the ones who have openly admitted it to me, have not documented it in writing.

Please join the FB group! We need everyone to Stand United As One Voice. We look forward to seeing you there!

Maybe one in a million employers would listen to a bad credit story, but no one ever gets that chance to explain. Such well meaning advice is just not in touch with reality. “We the people” must have legal protections to ever have any chance whatsoever.

In survey after survey, including a recent MSNBC survey, more than 90 percent of Americans say that workplace discrimination based upon someone’s personal credit report is wrong and should be illegal. Yet Congress is being bribed by corporate campaign contributors and strong armed by lobbyists to kill the legislation that would make the practice illegal. That is NOT “democracy by the people and for the people.” How can Congress be allowed to thwart the overwhelming will of the people?

Most Americans don’t even know HR3149: The Equal Employment for All Act even exists. What’s more, they don’t know about the corruption and backroom deal making taking place to keep the legislation stalled in the House of Representatives Financial Services Committee.

Follow the money and expose the truth:

Equifax:
http://www.opensecrets.org/pacs/pacgot.php?cmte=C00143867&cycle=2010

Trans Union:
http://www.opensecrets.org/pacs/pacgot.php?cmte=C00313700&cycle=2010

Experian:
http://www.opensecrets.org/pacs/pacgot.php?cmte=C00379768&cycle=2010

http://www.opensecrets.org/pacs/pacgot.php?cmte=C00379768&cycle=2010

Please support our democracy, the overwhelming will of the people and the rights of highly qualified American workers to compete on a level playing field during this horrible economic disaster. Join our team on Facebook at http://groups.to/h.r.3149/ or shoot us an e-mail with “sign me up” typed in the subject line.

Please help your readers with a real solution by helping to get the word out on our group and HR3149 before more Americans suffer even more than we already are.