Stop Credit Check Abuse NOW!

Stop Credit Check Abuse NOW

Dear Public Servant,

We, the American people are asking for reforms in the way credit scoring is used because it has become abusive, discriminatory and used for things it was never intended for such as employment opportunity, to deny residential rental opportunity and to increase insurance rates .
Now is the time to demand strict regulation regarding both pre employment and post hire credit screening as our country struggles to get back to work and unemployment continues to destroy the lives of Americans, our entire country’s economy and the entire world economy.
If we do not regulate now we will never be able to. The banks and Fair Iassic Corp will lobby and spend millions to defeat it.
The average American has no clue how credit scoring is being used against them to deny them basic rights and the ability to prosper as mandated by our constitution. Most Americans have no clue what their score is. You have to pay for that which should be illegal as well. And citizens have no clue how they got that score. The rules on how credit scoring is determined constantly change. Mandates need to be enacted that provide clear parameters on how credit scoring is totaled and how people can change or dispute their scores.
But the worse abuse of credit background checks and scoring is its use at pre-employment or post hire screening. People already down on their luck being denied the American dream, the right to earn an honest living and support their family because of a 30 day late on their credit report. That 30 day late could be as far back as 6 years ago and is still being reported and denying that person the job they so terribly need to correct their current situation.
We are human, things happen. Paying a bill late says NOTHING about ones ability to perform a job.
This is another form of discrimination that means the rich who can pay every bill on time their entire lives will keep their sterling credit history through out their entire lives and never be denied employment or career advancement.
But for the masses, the average American, who is subject to job loss, medical expenses and other foreseen catastrophes that can wipe them out financially they will be denied to right to ever overcome past challenges and thereby be denied the opportunity to provide our families with basic food and shelter.
Example in point, in Nevada they are the foreclosure and bankruptcy capitol of the nation with some of the highest unemployment rates in the nation. How can they ever recover as long as this practice continues?
Credit scoring creates homelessness and joblessness and is destroying our economic recovery and causing our nation to fall further into economic decline which is impacting the entire world economy.
There is no denying it. It MUST stop. This system is destroying opportunity for millions of Americans everyday. It is unconstitutional and must stop now.
People are not asking for an extension of credit when they apply for a job. They are asking to be given the opportunity to work an honest days work for a honest days pay. A 30 day late, foreclosure or bankruptcy filing over the past 10 years has nothing what so ever to do with ones ability to go to work every day and perform any given task with competency and honesty.
We beg you to please take action now on enacting a new federal law that would prohibit any form of credit information check to determine employment eligibility, employment advancement or termination. Employers who continue to do this should be hit with stiff and exorbitant fines of $10,000 dollars or more for each occurrence. Without that, many employers will continue to use credit reports even once made illegal to do so.
We need EEOC to impose these federal regulations ASAP to impose strict restrictions on how credit reporting can be used to discriminate in the workplace or our entire country will continue to suffer and our economic picture will continue to decline further.
All the stimulus money in the world will not get the average American back to work if good hard working people cannot get hired because of the vicious circle they are in due to poor credit. Millions have been laid off for significant periods of time, causing their bills to be paid late or worse yet causing them to loose their homes to foreclosure or having to file bankruptcy. Their families have had to suffer the loss of so many things near and dear to every American but to loose the right to ever get back to work again or to find a residential rental is not just discriminatory it is a crime against our constitution and everything we hold to be sacred in our nation of freedom, rights and opportunity to prosper.
Thank you,

[Your name]