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Employers Are Using Credit Checks Against Otherwise Qualified Workers. Here\xD5s What We Can Do About It.

Sean McElwee
Amy Traub

Over the last decade, an increasing number of cities and states passed laws limiting the use of credit checks in hiring, promotion, and firing. These laws have been motivated by the reality that personal credit history is not relevant to employment and that employment credit checks prevent otherwise qualified workers with flawed credit from finding jobs, and that unemployed workers and historically disadvantaged groups, including people of color, are disproportionately harmed by credit checks. Our new report, “Bad Credit Shouldn’t Block Employment” shows that credit check laws work, but also finds that there’s far more to be done. Further, New York City’s recent, comprehensive law offers the best legislation on the books for other states to follow – and improve on.