Credit score in relation to employmentIntroductionOnce upon a time there was no credit score. Individuals had contracts and traded goods and services, but there was no technology or tracking of an individual's private data, such as employer, Social Security numbers, loan amounts, or payment history. Today, not only do we have credit scores, but they are the primary deciding factor in whether or not an individual can own a home, car, or boat. If an individual doesn't have an adequate credit score or enough cash on hand to purchase what they want, they simply can't have it. There are no handshake deals or deals sealed by someone's honor or good name. Credit scores are more available than ever and are used as a determining factor in employment and medical services. The use of credit scores as well as the importance of credit scores has skyrocketed and given institutions power over almost every aspect of an individual's life. Say no to plagiarism. Get a tailor-made essay on "Why Violent Video Games Shouldn't Be Banned"? Get an Original EssayIn the past, an individual was considered and hired for a position based on their education and/or experience level. An employer could also have asked for references or a drug test, but could not and/or would not attempt to obtain an individual's credit score as part of the applicant's considerations. Before typed resumes and faxes, there was U.S. mail that could send information about applicants or students, but any background check required more than the push of a button. Now background checks, which often include credit checks and credit history, can be obtained online with the push of a button at little to no cost to both individuals and employers. With the growth and speed of technology, there is less and less privacy. Employers will soon know everything they want to know about candidates without meeting or talking to candidates. Personal relationships are lost and individuals who have the enthusiasm or desire to do a job will go unnoticed because of what a computer summarizes about them. This is not to say that individuals should not be considered based on their employment history or education. A documented work history and education level are very different from a credit score. Credit scores and payment history do not determine who an individual is or how much they are worth. Not even work histories and education levels, but at least these two come close to illustrating what a person is capable of. Credit scores are affected by so many variables that it is unfair to judge an individual based on this factor. People sometimes fall behind on payments for reasons beyond their control, so determining that an individual should not be in the running for a high-paying job simply because he or she has fallen on hard times or faced a family emergency, illness, or a natural disaster is absurd. Banks and financial institutions often cite the ability to manage money as a prerequisite for getting a job and can therefore justify the use of credit scores as warranted. Other employers may not. Please note: this is just an example. Get a custom paper from our expert writers now. Get a Custom Essay The topic of this research paper is the controversy over credit scores taken.