The U.S. is experiencing a severe recession, the unemployment rate is extremely high and many Americans are struggling to make ends meet. It is immoral and should be illegal to deny employment opportunities based on factors that are beyond our control. Poor credit has a direct relationship to unemployment and does not, as many employers (primarily corporations) seem to think, serve as a credible indicator of poor character. This issue is important because people with poor credit or who are unemployed, deserve the chance to mend their broken lives. This sort of employment screening has all the earmarks of criminalizing poverty.