- Part 22

credit score, employers, Connecticut SB 361; Sarah Poriss, Attorney at Law, LLC

From: Greg Fisher
Sent: Thursday, April 14, 2011
To: Sarah Poriss, attorney at law
Cc: Martin Looney, state Senator, Majority Leader, Connecticut; Martin Looney, state Senator, Majority Leader, Connecticut (press aide email address); Matthew Lesser, state Representative, Connecticut; Robert Hiltonsmith, policy analyst, Demos; Timothy k. Rusch, director of Communications, Demos; Amelia Warren Tyagi, board chair, Demos; Miles Rapoport, president, Demos; Lori J. Pelletier, secretary-treasurer, Connecticut AFL-CIO; John Olsen, president, AFL-CIO, Connecticut
Subject: RE: credit score, employers, Connecticut SB 361; Sarah Poriss, Attorney at Law, LLC

See this message and your response at https://blog.creditscoring.com/?tag=connecticut-sb-361.

You testified, “I support this bill because credit reports and credit scores are just not accurate indicators of work ethic, they frustrate the already financially challenged job seeker, and prevent employers from finding the right person for the job.”

What indicates that credit scores influence employers’ hiring decisions?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

[attached: copy of previous messages]

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credit score, employers, Connecticut SB 361, AFL-CIO

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From: Greg Fisher
Sent: Wednesday, April 13, 2011
To: Lori J. Pelletier, secretary-treasurer, Connecticut AFL-CIO
Cc: Martin Looney, state Senator, Majority Leader, Connecticut; Martin Looney, state Senator, Majority Leader, Connecticut (press aide email address); Matthew Lesser, state Representative, Connecticut; Robert Hiltonsmith, policy analyst, Demos; Timothy k. Rusch, director of Communications, Demos; Amelia Warren Tyagi, board chair, Demos
Subject: RE: credit score, employers, Connecticut SB 361, AFL-CIO

See this message and your response at https://blog.creditscoring.com/?tag=connecticut-sb-361.

You testified, “If employers are allowed to continue using credit scores in hiring decisions, many hard-working people will be unfairly penalized.”

What indicates that employers use credit scores?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

[attached: copy of previous message]

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credit score, employers, WALB TV, Albany, Georgia

From: Greg Fisher
Sent: Wednesday, April 13, 2011
To: Ryan Houston, reporter, WALB TV, Albany, GA, Raycom Media
Cc: Paul McTear, president and CEO, Raycom Media
Subject: credit score, employers, WALB TV, Albany, Georgia

See this message and your response at https://blog.creditscoring.com/?p=2027.

You wrote, “Don’t let a credit score keeping you from getting the job.”

Who is your source regarding credit score use by employers?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

Connecticut SB 361 and the myth of credit scores, employers and hiring decisions

From: Greg Fisher
Sent: Tuesday, April 12, 2011
To: Robert Hiltonsmith, policy analyst, Demos
Cc: Martin Looney, state Senator, Majority Leader, Connecticut; Martin Looney, state Senator, Majority Leader, Connecticut (press aide email address); Matthew Lesser, state Representative, Connecticut
Subject: credit score, employers, Connecticut SB 361

See this message and your response at https://blog.creditscoring.com/?p=2017.

You testified: “And it really just depends on the method through which the employer gets their credit scores. A lot of times they come bundled with background checks, for example, and that’s part of the reason for the proliferation.”

What indicates that employers get credit scores?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

[NEXT MESSAGE]

Credit score employers myth debunked on Fox News by lawyer

Credit scores are not used as some kind of cut-off point in hiring decisions. In fact, credit scores are not used in employment, at all.

It’s a myth.

In an appearance on Fox News, lawyer Pamela Devata articulates the misperception: “Employers are not using credit reports to eliminate groups of people at the beginning of the hiring process. Credit scores are not in employment reports, and therefore employers have to actually engage in a detailed and, often, time-consuming analysis to review the information in a credit report.” [1:40]

Last year, the other person on the broadcast, Maryland state legislator Kirill Reznik, blamed media for the confusion.

Credit score employers myth, channel 12, Providence

From: Greg Fisher
Sent: Friday, April 08, 2011
To: Joshua Ruch, managing partner, Rho Capital Partners (via Courtney Guertin, media relations, Lin Media)
Cc: Susan Hogan, consumer reporter, Call 12 for Action team, WPRI
Subject: credit score employers myth, Eyewitness News, WPRI channel 12, Rho

See this message and your response at https://blog.creditscoring.com/?p=1967.

You broadcast: “So, do you think it’s fair for a potential employer to hold your credit score against you? Fair or not, it could be the deal breaker.”

Who is your source regarding credit score use by employers?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

FreeScore.com spreads credit score/job myth II

[previous email]

From: Greg Fisher
Sent: Friday, April 08, 2011
To: Gary Johnson, president & CEO, Vertrue Incorporated (FreeScore.com member support address); Rob Wyse, Media First Public Relations
Cc: Caitlin Senior, Media First Public Relations; Carrie Coghill, director of consumer education, FreeScore.com
Subject: RE: credit score, employers, FreeScore.com VIII

Please reply.

credit score, FICO availability, Associated Press

From: Greg Fisher
Sent: Friday, April 08, 2011
To: William Dean Singleton, chairman, Associated Press; William Dean Singleton (via Bernie Fischer, MediaNews Group), chairman & CEO, MediaNews Group
Cc: MSNBC.com; Candice Choi, personal finance writer, Associated Press
Subject: credit score, FICO availability, Associated Press

See this message and your response at https://blog.creditscoring.com/?p=1956.

Your reporter wrote:

As background, lenders rely on two types of scores to gauge a borrower’s risk. FICO scores, which range from 300 to 850, are still the predominantly used scores. But VantageScores, which were developed by the three credit bureaus and range from 501 to 990, have gained popularity in recent years too.

The type of score you’ll get depends on where you buy it.

TransUnion sells both versions to consumers. Equifax only sells FICO scores and Experian markets the PLUS score on its homepage.

Where does TransUnion sell FICO scores?

If Equifax only sells FICO scores, then what is the Equifax Credit Score?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

credit score employers myth, Advance Publications, Inc.

From: Greg Fisher
Sent: Thursday, April 07, 2011
To: S. I. Newhouse Jr., chairman and CEO, Advance Publications, Inc.
Cc: John P. Hiner, executive editor, Bay City Times (Advance Publications, Inc.); Matt Sharp, publisher, Bay City Times (Advance Publications, Inc.); Shannon Murphy, reporter, Bay City Times (Advance Publications, Inc.); Karen Rowlader, assistant director of Professionalism, Thomas M. Cooley Law School; Jon Switalski, Michigan state Representative
Subject: credit score employers myth, Advance Publications, Inc.

See this message and your response at https://blog.creditscoring.com/?p=1951.

In an editorial, you published, “Checking credit scores is no longer a reliable or even fair way to rate job candidates.”

What evidence suggests that employers use credit scores in hiring decisions?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342

From: creditscoring.com
To: The Honorable Jon Switalski
Cc: Andy Dillon; Todd Heywood, Michigan Messenger
Date: 3/17/09
Subject: credit score, employer

You said, “If employers are allowed to continue using credit scores in hiring decisions, many hard-working people will be unfairly penalized.”

What evidence suggests that employers use credit scores in hiring decisions?

credit score employers myth, Consumerism Commentary

From: Greg Fisher
Sent: Tuesday, April 05, 2011
To: Luke Landes, founder, author, and CEO, Consumerism Commentary
Subject: credit score employers myth, Consumerism Commentary

See this message and your reply at https://blog.creditscoring.com/?p=1948.

You wrote, “FICO and FICO 08 are the most popular credit scores, but when lenders, landlords, employers, and anyone else checking your credit researches your score, they could be looking at any one of a number of scores.”

Who is your source regarding credit score use by employers?

—
Greg Fisher
The Credit Scoring Site
creditscoring.com
PO Box 342
Dayton, Ohio 45409-0342