zebra wrote:
Quote:
No, you don't get that kind of information. You get a "credit score" (an unregulated creation of the industry outside the scope of the Fair Credit Reporting Act[/color]) and the number of late payments/writeoffs and judgments/bankruptcies/foreclosures/repos. They also say what percentage of your available credit remains.
There are far more sophisticated 'scores' going on right now, with able hackers...and this is not a myth. I know for a fact that they check bought/owed - especially in CA.
Quote:
As a plaintiff's employment discrimination counsel, I've seen quite a few of these where the defendant claims that the report justified a failure to hire or a discharge. Every time that they trot those damn things out I take a F.R.Civ.P 30(b)(6) deposition of the corporate representatives responsible for the policy and ask them to explain how each "negative report" adversely effects my client and how it benefits the defendant. They *never* justify their case.
]Nope, they don't - because they have SAFE & HARMLESS clauses down pat; your client may have signed not knowing the ramifacations. Forgettabout being an independent agent, forgettabout being F/L. Just play the game - settle now, agree never to discuss the settlement.... = no job later - ever - anywhere/thanks to 'credit checks'.
You could've had an accident 20 yrs ago and collected state disability for 3 weeks and they will deny you a job.....what's that about?
We know they will only hire people who ARE NOT ON UNEMPLOYMENT - workers be damned in the USA.
Am sure you're familiar with this and are fighting it.
Quote:
The three reporting agencies are: Equifax, Experian and Transunion.
Experian is based in California, Transunion is based in Chicago, Il., Equifax is the Georgia-based agency.
Yep, they got us covered, id's etc. The farce is, they scream about the illegals.
What the real scream is about is hiring more illegals so they don't have to pay SS and FICA.
I assume that the "safe and harmless" that you refer to are "hold harmless" clauses in disclosure authorizations.
FWIW, you cannot "hold harmless" or waive certain rights. You do not have the right to sell yourself into slavery - you cannot waive the 13th Amendment. (And, it comes up all the time in employment law where an employee has signed a non-compete agreement. Some of those agreements are grossly over-broad as when I had a case that purported to designate the sales area my client couldn't work for two years after leaving his company as
the entire planet. It was a company that retrofitted agricultural machinery with GPS guidance systems that made farming about 10% more efficient. The U.S. District Court in Phoenix struck that provision from the non-compete on 13th Amendment grounds.)
You can't waive your Title VII rights to be free from discrimination based upon race, color, sex, national origin, religion or your ADA rights to a reasonable accommodation of your disability so long as you can perform the essential job functions and you usually cannot waive your rights to be free from age discrimination (there are bona fide occupational qualifications that impact this area.).
Cities are bound by state and federal law - look at the holding in the AZ 1070 case. The State of Arizona created a law that was superseded by the U.S. Constitution and those portions in violation of the Constitution were enjoined. I've sued a county sheriff's office for pregnancy discrimination and won, and school districts and cities and state agencies - hell, I've even sued the USPS and the USDA for employment discrimination.
Retaliation for a Worker's Compensation award is illegal and any employer that says they won't hire you because you filed a claim is asking for a lawsuit.
Your statement,
Quote:
There are far more sophisticated 'scores' going on right now, with able hackers....
tells me that you believe that an employer pays a hacker to obtain illegal information = and I can't answer that because I haven't heard of such a thing. It would, of course, be a criminal act under Title XVIII and state laws, as well.
FICA contributions and tax withholding for undocumented workers is not what you think it is - the big scoop is that the corporations that pay workers with false I-9 documents are paying into the state, federal and local systems for "people" who never file income tax returns and never take SS/Medicare benefits. The dirty little secret is that the government is happy to be paid extra and, after the SOL runs for unclaimed contributions, those monies go into a general fund. Corporations PAY withholding - the feds will nail them if they don't. Both government and business benefit by this - the business claims that the workers were legitimate-documented workers - and show documentation in their W-4/I-9 and all of the W-2's, 940's and 941's that were filed for their employees - and, government gets to keep the extra funds.
Don't assume that employers can get away with this stuff - seek assistance. The US Department of Labor, the Equal Employment Opportunity Commission and state human rights agencies - as well as employment counsel, are all available to help.