From: Clincher on


"Annie Woughman" <anniewoughman(a)hotmail.com> wrote in message
news:FJG8o.13189$1F6.12165(a)newsfe01.iad...
>
>
> "MAS" <mas(a)bbbb.net> wrote in message news:i3va3m$o4a$2(a)news.datemas.de...
>> On 8/11/2010 9:19 AM, Napoleon wrote:
>>> More and more people are asking for your social security number when
>>> you fill out a job application. I always decline and write "upon hire"
>>> instead.
>>>
>>> I remember in the 80's and early 90's that the SSN was only given
>>> after you were hired to prove that you could work in the USA (of
>>> course other forms of ID could be used instead). I believe it's
>>> illegal to ask for the SSN on a job application - what use is it? A
>>> job application is not a credit check, which supposedly safeguards
>>> sensitive info such as SSNs. A job application is just a sheet of
>>> paper anyone can get their hands on. I don't trust giving out my SSN
>>> to just anyone for no reason.
>>>
>>> Of course all the jobs where I declined to give my SSN I was not hired
>>> for. Could be a coincidence, or not.
>>
>>
>> Some employers are now checking your credit status before they hire.
>>
>> Marsha
>
> Employers have been doing credit checks for years. It is just recently
> that some states are trying to pass laws to make credit checks illegal as
> a condition of hiring because of the mess the economy is in. Too many
> people have been caught in the vicious cycle of being downsized because of
> the bad economy, making it kind of tough to meet one's financial
> obligations, which in turn can lead to a bad credit rating--making it MORE
> difficult to get a job in a shrinking market, continuing right into a
> downward spiral that one might never recover from.

The vicious circle can also come about simply because the longer one is
unemployed, the more stale his skills become - especially in areas like tech
where skills obsoletely quickly.

So what's next: a law to prohibit employer discrimination against those who
are unqualified for the job?

Laws like this don't solve the real problem which is that there are more
jobseekers than there are jobs. All they do is to take a job away from
someone who managed their credit well and give it to someone who didn't.




From: Clincher on


"Annie Woughman" <anniewoughman(a)hotmail.com> wrote in message
news:FYT8o.52523$f_3.23819(a)newsfe17.iad...

> That would make sense too, however, I haven't heard anything about that in
> the proposed laws. Insurance rates should be based on one's driving
> record, not their credit rating. This is another hardship placed on those
> that through no fault of their own are facing financial disaster--higher
> insurance premiums.


Those who are facing financial difficulties are also the ones most likely to
file claims for small repairs (that a more well-to-do would be able to cover
out of his own pocket.) They're also more likely to live in crime ridden
areas or neglect proper auto and home maintenance whether because they can't
afford or it because they have such pessimistic outlook on life that they
figure why bother?

All of these things increase the likelihood of the policyholder submitting
claims - and fair or not, that's what premiums are supposed to be based on.
Insurance isn't meant to be a social equalizer. It's meant to be a hedge
against catastrophe (for the policyholder) and a means to make money by
betting against you having a loss (for the insurer.)





From: rvanson on
On Wed, 11 Aug 2010 08:19:23 -0500, Napoleon <anarch(a)666yes.net>
wrote:

>More and more people are asking for your social security number when
>you fill out a job application. I always decline and write "upon hire"
>instead.
>
>I remember in the 80's and early 90's that the SSN was only given
>after you were hired to prove that you could work in the USA (of
>course other forms of ID could be used instead). I believe it's
>illegal to ask for the SSN on a job application - what use is it? A
>job application is not a credit check, which supposedly safeguards
>sensitive info such as SSNs. A job application is just a sheet of
>paper anyone can get their hands on. I don't trust giving out my SSN
>to just anyone for no reason.
>
>Of course all the jobs where I declined to give my SSN I was not hired
>for. Could be a coincidence, or not.

No, its not coincedence at all.

The USA has been forming into a neo-fascist police state since before
9/11. I was asked to show the management my SS card to add on an
application to rent an apartment a while back.

They also wanted my drivers license wanted to copy the documents on
the spot along with my personal check so they could have my bank
account number too. Needless to say I declined to give them that
information.

There is little privacy to be had in the US anymore, sadly enough.

Its next to impossible to do anything without all manner of checks.
Some companies are taking hair samples to drug test before hiring. It
wont be long till they want DNA samples just like in the sci-fi movie,
"Gattica" and that was made before 9/11 and the Bush regime.
From: rvanson on
On Wed, 11 Aug 2010 19:01:09 -0400, MAS <mas(a)bbbb.net> wrote:

>On 8/11/2010 9:19 AM, Napoleon wrote:
>> More and more people are asking for your social security number when
>> you fill out a job application. I always decline and write "upon hire"
>> instead.
>>
>> I remember in the 80's and early 90's that the SSN was only given
>> after you were hired to prove that you could work in the USA (of
>> course other forms of ID could be used instead). I believe it's
>> illegal to ask for the SSN on a job application - what use is it? A
>> job application is not a credit check, which supposedly safeguards
>> sensitive info such as SSNs. A job application is just a sheet of
>> paper anyone can get their hands on. I don't trust giving out my SSN
>> to just anyone for no reason.
>>
>> Of course all the jobs where I declined to give my SSN I was not hired
>> for. Could be a coincidence, or not.
>
>
>Some employers are now checking your credit status before they hire.
>
>Marsha

They are doing alot more then that.

There is a company called Hireright that is a huge datbase for
informtaion on many individuals.

Once you are on the database your info is almost impossible to have
removed or altered. Welcome to the Brave New World of the USSA.
From: Bill on
> I was asked to show the management my SS card to add on an
> application to rent an apartment a while back.
>
> They also wanted my drivers license wanted to copy the documents on
> the spot along with my personal check so they could have my bank
> account number too. Needless to say I declined to give them that
> information.
>

Well think about this... The landlord is turning over a property worth
upwards of $100,000.00 to a total stranger! Landlords have been burned BIG
time in the past with thousands of dollars of damage or unpaid rent. They
have to pay their mortgage too...

Most people are OK and landlords did not used to need to do this, but get a
drug lab in a rental and pay for a "toxic waste cleanup" - maybe have to
tear down the house, then as the say... "Once burned, twice shy!"