Influence > Consumer advocates > PIRG > Employers
U.S. PIRG fails to prove employers use credit scores
And demonstrates a lack of knowledge regarding statehouses
Also, see
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National Financial Literacy Month, 2011 (video),
Myth: Employers use credit scores
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- What the President said
- Credit bureaus claim that they do not provide credit scores for employment screening
- Groundhog Day, 2012
- Groundhog Day, 2011
- Credit scores in employment, Believers and Nonbelievers
- Video: Media say employers use scores (2009)
- Federal Reserve on credit scores used by employers, 2009
- Federal Reserve on credit scores used by employers, 2010
- Federal Reserve on credit scores used by employers, 2010 (one more time)
- Members of Congress say credit scores are used by employers
- Members of Congress say credit scores are used by employers II
- Members of Congress say credit scores are used by employers III
- U.S. House representative testifies employers use credit scores
- U.S. Treasury Suggests Employers Use Credit Scores
- DoD agency states it does not use credit scores for security clearances
- White House credit score requirements
- Mentions of credit scores in employment in Oregon
- Washington attorney general on what "can" and "may" happen
- FICO company warns employers use credit scores that credit reporting agencies deny providing
- TransUnion employers survey credit report question error
- Training TransUnion on credit scores, employers
- Equifax: Employers can know your credit score
- Training Equifax on credit scores, employers
- Experian: Employers use credit scores
- Training Experian on credit scores, employers
- VantageScore: Employers use credit scores
- Employers using credit scores blogger meme
- Canada Day: Reuters, FICO and the employers myth
- USA TODAY will not reveal its source
- USA TODAY will not reveal its source II
- McClatchy newspaper will not identify its sources
- AP reports legislator said employers use credit scores
- Dallas Morning News on employers using Equifax credit scores and reports
- Influence: Hearst; San Francisco Chronicle
- Influence: Tribune; LA Times
- Credit score use by employers depiction by CBS
- Influence: CBS
- U.S. PIRG fails to prove employers use credit scores
- Influence: Consumers Union
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11/24/2010
See USA Today on employers using credit scores, Part 2.
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From: Greg Fisher
Sent: Sunday, September 20, 2009 10:37 PM
To: Ed Mierzwinski, consumer program director, U.S. Public Interest Research Group
Cc: Dale Quinn, reporter, Arizona Daily Star; Bobbie Jo Buel, executive editor, Arizona Daily Star; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Andre Delattre, executive director, U.S. PIRG; uspirg@pirg.org; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG
Subject: credit score, employers, Arizona Daily Star, U.S. PIRG
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
218 D St SE, Washington, DC 20003
"And Mierzwinski said that number could be even higher… He said the use of credit scores by employers and landlords should be banned."
What evidence suggests that employers use credit scores?
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From: Greg Fisher
Sent: Wednesday, September 23, 2009 9:53 AM
To: Andre Delattre, executive director, U.S. PIRG; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star; Bobbie Jo Buel, executive editor, Arizona Daily Star; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG; Ed Mierzwinski, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG; Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG
Douglas H. Phelps, president, chairman
U.S. PIRG
44 Winter St, 4th Floor
Boston, MA 02108
Please reply.
Also, while the Minnesota House chamber is grand, it is not located in Ohio.
Greg Fisher
creditscoring.com
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From: Ed Mierzwinski
Sent: Wednesday, September 23, 2009 10:35 AM
To: 'Greg Fisher'; andre@pirg.org; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star, Tuscon; Bobbie Jo Buel, executive editor, Arizona Daily Star, Tuscon; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group; Gynnie Robnett, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG; Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG
This will be my last comment for creditscoring.com on this subject. There is no need to carpet bomb my colleagues with your questions.
U.S. PIRG's well documented position is that credit reports contain serious mistakes in large numbers. It is a fact that employers use credit reports. It is a fact that credit scores are derived from reports. U.S. PIRG supports a wide variety of changes to improve the accuracy of credit reports and therefore scores. Although Congress recognized the employment use problem in 1996 when it gave employment applicants more credit bureau rights than credit applicants, that action was inadequate to help applicants. So, the use of credit reports (and therefore by extension scores) by employers should be (largely) banned for the reasons articulated here http://static.uspirg.org/consumer/archives/2009/07/banning_credit.html
It doesn't matter to me whether employers are using scores, they are using reports, and their use of reports should be rolled back. Whether that rolls back actual or potential use of scores by employers is immaterial to the issue that bad reports and scores derived from them hurt consumers.
_________________________
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
[address]
[phone]
PIRG consumer blog www.uspirg.org/consumer
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From: Greg Fisher
Sent: Wednesday, September 23, 2009 12:14 PM
To: Andre Delattre, executive director, U.S. PIRG; federalnews@pirg.org; uspirg@pirg.org; pirg@pirg.org
Cc: Dale Quinn, reporter, Arizona Daily Star, Tuscon; Bobbie Jo Buel, executive editor, Arizona Daily Star, Tuscon; Teri Hayt, managing editor, Arizona Daily Star, Tuscon; John Humenik, publisher & editor, Arizona Daily Star, Tuscon; Jane Regan, U.S. Public Interest Research Group (PIRG); Gynnie Robnett, U.S. PIRG; information@lee.net; Mary E. Junck, chairman, president and chief executive officer, Lee Enterprises (Arizona Daily Star); Gabe Aceves, Alaska PIRG; Janet Domenitz, Massachusetts PIRG; Emily Rusch, California PIRG; Brian Imus, Illinois PIRG;
Johanna Neumann, Maryland PIRG; Allison Cairo, New Jersey PIRG; nyc@nypirg.org; James Browning, Pennsylvania PIRG; Paul Burns, Vermont PIRG; Morgan Keenan, Ohio PIRG; Ed Mierzwinski, US PIRG; Charles Bell, Consumers Union; Diane Allison, Educational Foundation of America; Drummond Pike, Tides Family of Organizations; Ford Foundation; Robert Crane, JEHT Foundation; Media Democracy Fund; Ottinger Foundation; Lauren Asher, The Institute for College Access & Success; communications@rbf.org; questions@surdna.org; jennifer Robinson, gabbegroup; media@rockfound.org; Steven Broderick, communications director, Congressman Steve Cohen; Stuart Clarke, Town Creek Foundation; Tina Kroll-Guerch, Wallace Global Fund; Rebecca Dreilinger, Congressman Luis Gutierrez
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG, no evidence
Douglas H. Phelps, president, chairman
U.S. PIRG
44 Winter St, 4th Floor
Boston, MA 02108
What evidence suggests that employers use credit scores? Your organization's representative provided none.
Do you have any?
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From: Ed Mierzwinski
Sent: Wednesday, September 23, 2009 12:35 PM
To: Greg Fisher
Subject: RE: credit score, employers, Arizona Daily Star, U.S. PIRG, no evidence
This will be my last comment for creditscoring.com on this subject. There is no need to carpet bomb my colleagues with your questions.
U.S. PIRG's well documented position is that credit reports contain serious mistakes in large numbers. It is a fact that employers use credit reports. It is a fact that credit scores are derived from reports. U.S. PIRG supports a wide variety of changes to improve the accuracy of credit reports and therefore scores. Although Congress recognized the employment use problem in 1996 when it gave employment applicants more credit bureau rights than credit applicants, that action was inadequate to help applicants. So, the use of credit reports (and therefore by extension scores) by employers should be (largely) banned for the reasons articulated here http://static.uspirg.org/consumer/archives/2009/07/banning_credit.html
It doesn't matter to me whether employers are using scores, they are using reports, and their use of reports should be rolled back. Whether that rolls back actual or potential use of scores by employers is immaterial to the issue that bad reports and scores derived from them hurt consumers.
_________________________
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group
[address]
[phone]
PIRG consumer blog www.uspirg.org/consumer
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(Note: The highlight is PIRG's)
A year later, it matters. After an email exchange with creditscoring.com, this appeared on Credit.com: "In the original version of this story Ed Mierzwinski of U.S. PIRG was quoted as saying that employers frequently check credit scores of job applicant[SIC]. That is incorrect. Employers are not permitted to check credit scores. They are, however, permitted to check credit reports, and many do. Mr. Mierzwinski says he believes he did say 'reports,' not scores."
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