Credit Discrimination Resources

Credit Discrimination Resources


Reports and Fact Sheets

Fact sheet on the Stop Credit Discrimination in Employment Act

Summary of the problems associated with credit checks in hiring practices by Dēmos 

In the midst of the worst economic downturn in decades, millions of Americans are out of work and struggling to keep up with bills for even the most basic expenses. What they need more than anything is a job. But for too many people, access to employment is blocked by the growing practice of employment credit checks. Employers in the public and private sectors now routinely check the credit histories of prospective employees and may use the information to deny them jobs.

Credit checks exclude qualified applicants – including people whose credit was damaged as a result of medical debt, divorce, layoffs, predatory lending, identity theft, or other events beyond their control – from the employment they desperately need. Credit checks also discriminate against low-income people and people of color, who have been disproportionately impacted by the economic downturn. Read More.

Read the Bill

The text of the Stop Credit Discrimination in Employment Act (Int-857-2012) is available on the New York City Council's website.


The Credit History Underclass
New York Times Editorial, May 31, 2012

Millions of Americans with damaged credit records are at risk of being unfairly denied job opportunities by companies that use credit histories to screen applicants. Faced with growing public complaints, seven states have rightly limited the use of credit histories by potential employers. Federal, state and local lawmakers who are considering similar legislation are on the right track. Read More.

Push to bar credit checks on job applicants
Reuven Blau, New York Daily News, Tuesday, May 15, 2012

A city councilman wants to help more workers land jobs by barring employers in the city from running credit checks on job-seekers.

“In a time of continued economic hardships, employers shouldn’t deny people jobs based on their credit history,” said Brad Lander (D-Brooklyn), who plans to introduce legislation on Tuesday.

In the city, the jobless rate was 9.7% as of March, the most recent data available. Across the country, about 60% of employers use credit checks to weed out job applicants, a study by a national human resources umbrella group found. Read More.




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