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Influence > Newspapers > Forum Communications > The Forum > Ehrenreich, employers

Influence: Forum Communications; interviewee on employers and credit scores

Author attempts to justify her comment that employers use credit scores

9/23/2010

From: Greg Fisher [mailto:greg@creditscoring.com]
Sent: Wednesday, September 01, 2010 10:04 AM
To: John Lamb. features writer, The Forum of Fargo-Moorhead
Cc: Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Barbara Ehrenreich; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books
Subject: credit score, employers, the Forum of Fargo-Moorhead

You wrote, "As an example, she [author Barbara Ehrenreich] says about 43 percent of big businesses won't hire employees [alt] without a good credit score."

The consumer reporting agencies all state that they do not supply credit scores for employment purposes.

What clarification will you make?


From: Barbara Ehrenreich
Sent: Wednesday, September 01, 2010 10:48 AM
To: greg@creditscoring.com
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books
Subject: Re: credit score, employers, the Forum of Fargo-Moorhead

See for example http://articles.moneycentral.msn.com/Banking/YourCreditRating/how-bad-credit-can-cost-you-a-job.aspx. Or just google "credit score" hiring. My mistake was to say "about 43 percent" when the number appears to be exactly 43 percent, at least according to my sources.

Barbara




From: Greg Fisher
Sent: Wednesday, September 01, 2010 12:31 PM
To: Barbara Ehrenreich
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books; Liz Pulliam Weston
Subject: RE: credit score, employers, the Forum of Fargo-Moorhead, sources

Who are your sources?

In December, Elizabeth Owens Bille, the associate counsel for the Society for Human Resource Management (SHRM) said:

"If you have read or heard any of the media coverage on the issue of employers' use of credit checks in the hiring process, a 2006 survey conducted by SHRM is often cited - noting, "43 percent of U.S. employers are using credit checks in their hiring process." Regretfully, the way this statistic has been used by the media is often misleading."

I asked if the survey asked about credit scores. See the answer below.

The MSN story you cite does not contain the word score. See the author's cautious response to a question about employers using credit scores (2:02).

One can assemble any number of sources who believe that employers use credit scores. However, the consumer reporting agencies state that they do not provide scores for employment purposes. If that is the case, then how do employers get the scores?

Name an employer who uses credit scores.

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


From: Hughes, Jennifer
Sent: Thursday, April 09, 2009 5:04 PM
To: creditscoring.com
Subject: RE: credit score, employers III

Hi Greg,

Neither survey discusses credit scores, only credit checks.

Sorry!

Thanks,
Jenny

Jennifer Hughes
Media Affairs Specialist
Society for Human Resource Management
[address]
[address]
Phone: [... ]
E-mail: [... ]
www.shrm.org

HR Leadership for the New Economy. Only at the SHRM Annual Conference & Exposition.
June 28 - July 1, 2009 | New Orleans, La. Find out more at www.shrm.org/conferences/annual.

From: creditscoring.com
Sent: Thursday, April 09, 2009 4:45 PM
To: Hughes, Jennifer
Subject: RE: credit score, employers III

Thank you.

What are the survey results regarding credit scores (a single number calculated from a person's credit history), specifically?

Do any of the survey questions use the term "credit score"?


At 11:31 AM 4/9/2009, Hughes, Jennifer wrote:

Hi Greg,

According to SHRM's 2006 Weapons in the Workplace Survey, 42% of surveyed employers run credit checks on potential employees as part of routine background checks. In SHRM's 2004 Reference and Background Checking Survey, 19% of surveyed employers said they always used credit checks as a type of information in a background check, 24% sometimes used credit checks, and 18% rarely used credit checks.

If you have any other questions, let me know.

Thanks,
Jenny


From: creditscoring.com
Sent: Thursday, April 09, 2009 10:39 AM
To: Malveaux, Julie; Harris, Jeanene; Hughes, Jennifer
Subject: RE: credit score, employers III

Do you claim that employers use credit scores?


From: Barbara Ehrenreich
Sent: Saturday, September 04, 2010 1:27 PM
To: greg@creditscoring.com
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books; Liz Pulliam Weston
Subject: Re: credit score, employers, the Forum of Fargo-Moorhead, sources

Here's another source-- http://www.nytimes.com/2010/04/10/business/10credit.html. But as I said, Greg, you can do the googling yourself.

Barbara


From: Greg Fisher
Sent: Sunday, September 12, 2010 11:58 PM
To: Barbara Ehrenreich
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books
Subject: RE: credit score, employers, the Forum of Fargo-Moorhead, sources II

The first person mentioned in the New York Times article to which you linked testified, "There's no such thing as a credit score in employment."

Specifically, in that article, what are the words you are referring to?


From: Greg Fisher
Sent: Tuesday, September 14, 2010 10:06 PM
To: Barbara Ehrenreich
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Matt Von Pinnon, editor, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books; Ann Burnett, professor, Women and Gender Studies, North Dakota State University
Subject: RE: credit score, employers, the Forum of Fargo-Moorhead, sources III

The same article states, "Employers can generally use credit checks - but not credit scores - during the employment process as long as they obtain written permission from the potential employee."

Specifically, in that article, what are the words you are referring to?

Please reply.


From: Greg Fisher
Sent: Thursday, September 16, 2010 1:21 PM
To: Matt Von Pinnon, editor, The Forum of Fargo-Moorhead
Cc: John Lamb. features writer, The Forum of Fargo-Moorhead; Robert Morast, features editor, The Forum of Fargo-Moorhead; Nicole Dewey, director of publicity, Henry Holt/Metropolitan Books; Ann Burnett, professor, Women and Gender Studies, North Dakota State University; Barbara Ehrenreich
Subject: RE: credit score, employers, the Forum of Fargo-Moorhead, clarification of balderdash you bought

Do you refuse to make a clarification?

What is your journalistic responsibility regarding clarifying accurate quotes of inaccurate or unsubstantiated statements?





Also, see

National Financial Literacy Month, 2011 (video),
Myth: Employers use credit scores


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Do employers use credit scores?

Don't believe it.


April, 1997: "Information on how to obtain one's credit score is suspiciously absent from your site. How do I get mine?"

"And we're not running a game show. I mean, we're evaluating risk. We're not trying to have people get--achieve the highest score."

"Fisher is a fan of going by the book and then beyond it."

"He beat the scoring proponents to the punch by scooping up the web address http://www.creditscoring.com, from which he launches often strident, sometimes wacky, but usually well-documented attacks on the credit-scoring concept and the industries that support it."

Realty Consumers Empowered By Online "Peoples" Court - "His Web site CreditScoring.com helped him-- and millions of other consumers-- extend fair credit reporting rights to credit scoring information."

"Fisher operates the www.creditscoring.com Web site, which skewers the secrecy of the credit bureaus and Fair, Isaac." - The Detroit News

"CreditScoring.com is an exceptionally-interesting site that offers news and information regarding credit scoring and-- really-- the entire credit process."

"'Garbage in, garbage out,' says Greg Fisher of Dayton, Ohio, who runs two Web sites on the subject, creditscoring.com and creditaccuracy.com."