The people of the United States of America do enact as follows:
It is illegal and unconstitutional to use any form of credit information including but not limited to; credit background check, credit history, credit scores or other forms of credit information to be used for purposes other than the issuance of an extension of actual credit such as a credit card, loan or for the purpose of obtaining to own real tangible property.
No individual, company, sole proprietor, LLC, corporation, non profit or organization may utilize any credit or bill payment information including credit background checks or credit scoring of any kind, at any time including prospective employees applying for employment, during the hiring process or post hire. Neither shall a current employee who is being considered for ongoing employment, transfer or advancement within any of the above mentioned employers be subject to any form of credit information check as it impedes ones constitutional right to prosper and demonstrates discrimination based on economic station.
Credit checks, credit history, credit scores, late bill pay, foreclosure and bankruptcy shall be strictly prohibited to deny employment opportunity.
Any employer found guilty of using such credit information checks will be guilty of discrimination and shall pay a $10,000 per occurrence fines for such abuses.
Credit checks, credit history, or credit scores cannot be used to deny rental or lease residential housing, as the applicant is not applying for ownership of said property and owner has taken proper steps to limit any loses such as deposits and has other remedy under the law.
Landlords who utilize any form of credit background or scoring to deny housing shall be in violation of Fair Housing discrimination laws and be subject to fines of $10,000 per occurrence.
Please join FB group HR 3149 for daily updates and action requests perataining to getting the jobs portion of the petition passed on a federal level. Also see www.creditcatch22.com.
This vital jobs issue may be heard in the house either this summer or fall 2010. Without the support of the general public, news media and civil rights and labor organizations it will never happen, so thank you for signing the petition to make your voice heard but PLEASE do not stop here. Our work is far from over. Credit reporting agencies and "others" are lobbying hard to defeat this bill and have spent millions doing so. Get involved and stay involved if you ever plan on getting a job any where in this country ever again! I cannot think of a single issue in our nation today more important than our right to work and support our families.Don't let corporate greed keep you, your family or your children and grandchildren from realizing their dreams and futures by being employment based on a $20.00 min. payment that was paid late 6 years ago! Tell everyone you know. Lets get HR3149 passed TODAY so America can get back to work TODAY and without one red cent of stimulus money!
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.
Jacquelyn Romero started this petition with a single signature, and now has 680 supporters. Start a petition today to change something you care about.