Credit Score Versus EmploymentIntroductionOnce upon a time there was no such thing as a credit score. Individuals had contracts and exchanged goods and services, but there was no technology or tracking of an individual's private data, such as their employer, Social Security number, loan amounts, or history. payment. Today, not only do we have a credit score, but it is also the primary factor in determining whether or not an individual can own a home, car, or boat. If a person doesn't have an adequate credit score or enough cash to buy what they want, they simply can't have it. There are no handshake deals or agreements sealed by someone's honor or good last name. Credit scores are more available than ever and are used as a determining factor in employment and medical services. The use and importance of credit scores has exploded and given power to institutions over almost every aspect of an individual's life. Say no to plagiarism. Get a tailor-made essay on “Why Violent Video Games Should Not Be Banned”? Get an Original EssayIn the past, a person was considered and hired for a position based on their level of education and/or experience. An employer could also have requested references or a drug test, but was unable and/or unwilling to attempt to obtain an individual's credit score as part of the candidate considerations. Before typewritten resumes and fax machines, there was a U.S. Mail that could send applicant or student information, but any background check required more than the press of a button. Now, background checks, which often include credit checks and credit history, can be obtained online with the touch of a button, at little or no cost to individuals and employers. With the growth and speed of technology, confidentiality is less and less assured. Employers will soon know anything and everything they want to know about candidates without meeting or speaking with candidates. There is a loss of personal relationships and individuals who have the enthusiasm or drive 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 work history or education. A documented employment history and education level are very different from a credit score. Credit scores and payment histories do not determine who an individual is or what they are worth. Neither do work history and education levels, but at least those two better illustrate what a person is capable of. Credit scores are influenced by so many variables that it is unfair to judge an individual based on this factor. Sometimes people fall behind on their payments for reasons beyond their control. It is therefore absurd to determine that an individual should not be in the running for a well-paying job simply because they have fallen on hard times or are dealing with a family emergency, illness, or natural disaster. Banks and financial institutions often cite the ability to manage money as a prerequisite for obtaining employment and therefore may justify the use of credit scores. Other employers cannot. Keep in mind: this is just a sample..