Checking Nanny's Credit

[Anonymous]

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Anonymous wrote:The reason I would pull a nannies credit is to see if she seems like she is financially responsible or if she might have money problems. You have to be aware that a lot of people see no problem in stealing from their employers anymore. Be it at an office or right in someones house.

If you have nothing to hide and you want the job I see no problem in giving them a credit report. You already need to give them your social to withhold taxes.

So you think someone with good credit wouldn't steal?

People with good credit are generally respectful and honorable people. People with bad credit are the ones lacking the moral compass to pay back loans and credit. I would trust someone with a good credit history to honor agreements, provide notice when quitting, be on-time, and yes, not steal. Sure, people can have a great credit history and then be bad people. Anyone anywhere doing anything can be a bad person, but I think a credit check is a good tool to use in this situation along with an in person interview.

As someone who struggled with finances in their early 20s (due to many factors outside of my control) and now has shit credit which I am working to rebuild as a result, f***you.
Your moral compas is seriously flawed.

How are your finances outside of your control? The only reason to have bad credit is because of identity theft, and even then you should get it sorted out within a year.

You are so fucking naive. There are lots of reasons a good and moral person can end up struggling to pay your bills and with bad credit. Have you ever been so broke that you had to choose which bills to pay and which to let go? You ever been a struggling 20 something trying your damnedest to make it through school? Its just not as cut and dry as you make it out to be, and that's why fool's like you have no business with anyone's credit report.

If I was so broke I couldn't pay the bills I would stop incurring more bills. THAT is what seeing your credit report lets me know. If you lose your job you need to cancel your cable, internet, etc. move back in with mom and dad, sell your car, etc. The problem is people don't do that, they just think "meh, oh well, lost my job so I'll just sit here with my iPhone and $100 a month cable and chill until they shut them off"

I'm not talking about choosing not to pay your fucking iPhone bill. I'm talking about you're 20 years old, completely on your own, have an 18 month old little girl, and you're trying to finish your degree. You have to choose light bill or heat? Groceries or heat? Rent or daycare? Your daughter is sick but you can't afford the time off to go to the doctor, let alone the fucking doctor bill. You haven't got the slightest clue what struggling is really like, so why don't you shut your goddamn mouth. As you live and fucking breath, you incur bills and sometimes you fall behind. Go fuck yourself.

A person like you that makes the choices you do, to have a baby at 19 when you have a shit job and no education, that can't afford all the things she has signed up for.... you are exactly the type of person I would hope to weed out with a credit check. you have no business raising anyone else's kids or teaching them your values.

[Anonymous]

Pp I hope you never have a medical catastrophe that you cant pay for. I was in my early 20s, a college student when I got uterine cancer, and needed major surgery. My credit is destroyed.

Things aren't always so black and white. I am not a bad person, I am more than my credit score.

[Anonymous]

Anonymous wrote:The reason I would pull a nannies credit is to see if she seems like she is financially responsible or if she might have money problems. You have to be aware that a lot of people see no problem in stealing from their employers anymore. Be it at an office or right in someones house.

If you have nothing to hide and you want the job I see no problem in giving them a credit report. You already need to give them your social to withhold taxes.

Where has there ever been any correlation with credit score and a nanny's job performance? ZIP. What a bimbo you are.

[Anonymous]

Anonymous wrote:

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Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The reason I would pull a nannies credit is to see if she seems like she is financially responsible or if she might have money problems. You have to be aware that a lot of people see no problem in stealing from their employers anymore. Be it at an office or right in someones house.

If you have nothing to hide and you want the job I see no problem in giving them a credit report. You already need to give them your social to withhold taxes.

So you think someone with good credit wouldn't steal?

People with good credit are generally respectful and honorable people. People with bad credit are the ones lacking the moral compass to pay back loans and credit. I would trust someone with a good credit history to honor agreements, provide notice when quitting, be on-time, and yes, not steal. Sure, people can have a great credit history and then be bad people. Anyone anywhere doing anything can be a bad person, but I think a credit check is a good tool to use in this situation along with an in person interview.

As someone who struggled with finances in their early 20s (due to many factors outside of my control) and now has shit credit which I am working to rebuild as a result, f***you.
Your moral compas is seriously flawed.

How are your finances outside of your control? The only reason to have bad credit is because of identity theft, and even then you should get it sorted out within a year.

You are so fucking naive. There are lots of reasons a good and moral person can end up struggling to pay your bills and with bad credit. Have you ever been so broke that you had to choose which bills to pay and which to let go? You ever been a struggling 20 something trying your damnedest to make it through school? Its just not as cut and dry as you make it out to be, and that's why fool's like you have no business with anyone's credit report.

If I was so broke I couldn't pay the bills I would stop incurring more bills. THAT is what seeing your credit report lets me know. If you lose your job you need to cancel your cable, internet, etc. move back in with mom and dad, sell your car, etc. The problem is people don't do that, they just think "meh, oh well, lost my job so I'll just sit here with my iPhone and $100 a month cable and chill until they shut them off"

I'm not talking about choosing not to pay your fucking iPhone bill. I'm talking about you're 20 years old, completely on your own, have an 18 month old little girl, and you're trying to finish your degree. You have to choose light bill or heat? Groceries or heat? Rent or daycare? Your daughter is sick but you can't afford the time off to go to the doctor, let alone the fucking doctor bill. You haven't got the slightest clue what struggling is really like, so why don't you shut your goddamn mouth. As you live and fucking breath, you incur bills and sometimes you fall behind. Go fuck yourself.

A person like you that makes the choices you do, to have a baby at 19 when you have a shit job and no education, that can't afford all the things she has signed up for.... you are exactly the type of person I would hope to weed out with a credit check. you have no business raising anyone else's kids or teaching them your values.

I'm so glad you have never made any mistakes in your life. Wait, I bet mommy and daddy took care of it all for you and bailed you out every time you had a problem.
When I was younger, I made plenty of financial mistakes, but I learned from them and worked my butt off to get out of debt and have been debt free for several years now. I don't blame anyone else for my mistakes, nor did I expect to have anyone bail me out. I worked long hours to pay off my debt. But I would have been embarrassed for anyone to have seen my credit report back then. It wouldn't have meant I was a bad person, just made some stupid mistakes that I corrected on my own.

[Anonymous]

Lots of good nannies here, better than some head-in-the-sand parents.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The reason I would pull a nannies credit is to see if she seems like she is financially responsible or if she might have money problems. You have to be aware that a lot of people see no problem in stealing from their employers anymore. Be it at an office or right in someones house.

If you have nothing to hide and you want the job I see no problem in giving them a credit report. You already need to give them your social to withhold taxes.

So you think someone with good credit wouldn't steal?

People with good credit are generally respectful and honorable people. People with bad credit are the ones lacking the moral compass to pay back loans and credit. I would trust someone with a good credit history to honor agreements, provide notice when quitting, be on-time, and yes, not steal. Sure, people can have a great credit history and then be bad people. Anyone anywhere doing anything can be a bad person, but I think a credit check is a good tool to use in this situation along with an in person interview.

As someone who struggled with finances in their early 20s (due to many factors outside of my control) and now has shit credit which I am working to rebuild as a result, f***you.
Your moral compas is seriously flawed.

How are your finances outside of your control? The only reason to have bad credit is because of identity theft, and even then you should get it sorted out within a year.

You are so fucking naive. There are lots of reasons a good and moral person can end up struggling to pay your bills and with bad credit. Have you ever been so broke that you had to choose which bills to pay and which to let go? You ever been a struggling 20 something trying your damnedest to make it through school? Its just not as cut and dry as you make it out to be, and that's why fool's like you have no business with anyone's credit report.

If I was so broke I couldn't pay the bills I would stop incurring more bills. THAT is what seeing your credit report lets me know. If you lose your job you need to cancel your cable, internet, etc. move back in with mom and dad, sell your car, etc. The problem is people don't do that, they just think "meh, oh well, lost my job so I'll just sit here with my iPhone and $100 a month cable and chill until they shut them off"

I'm not talking about choosing not to pay your fucking iPhone bill. I'm talking about you're 20 years old, completely on your own, have an 18 month old little girl, and you're trying to finish your degree. You have to choose light bill or heat? Groceries or heat? Rent or daycare? Your daughter is sick but you can't afford the time off to go to the doctor, let alone the fucking doctor bill. You haven't got the slightest clue what struggling is really like, so why don't you shut your goddamn mouth. As you live and fucking breath, you incur bills and sometimes you fall behind. Go fuck yourself.

A person like you that makes the choices you do, to have a baby at 19 when you have a shit job and no education, that can't afford all the things she has signed up for.... you are exactly the type of person I would hope to weed out with a credit check. you have no business raising anyone else's kids or teaching them your values.

You are a true c**t.

[Anonymous]

22:13, why did you have a child/children you reuse to do your duty as a mother and stay home with them instead of hiring someone to do your job?

[Anonymous]

She funked her Babysitting 101, no doubt.

[Anonymous]

Anonymous wrote:She funked her Babysitting 101, no doubt.

LOL! Flunked.

[Anonymous]

Anonymous wrote:

Anonymous wrote:She funked her Babysitting 101, no doubt.

LOL! Flunked.

Maybe she f**ked it to!

[Anonymous]

MB here. OP - I would never do this for nanny candidates, but maybe the family was burned by a prior experience.

I don't think you need to consent, but you could say something like "I'm sorry but I'm not comfortable with having a credit check run on me. Is there a specific concern that you have that I can address, or that perhaps my references can answer for you?"

[Anonymous]

I can think of legit reasons to ask for a credit report:

The nanny will be using an employer-provided debit card during the course of her employement.

A credit report is a way to verify address and job history.

The family has had a prior nanny or other household employee who stole from them or requested personal loans from them and they want to verify that the nanny does not have any current financial difficulties.

That said, if you don't want to comply, just tell them you're not comfortable with it and ask them if there is any other way you can satisfy any particular concerns they may have.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:The reason I would pull a nannies credit is to see if she seems like she is financially responsible or if she might have money problems. You have to be aware that a lot of people see no problem in stealing from their employers anymore. Be it at an office or right in someones house.

If you have nothing to hide and you want the job I see no problem in giving them a credit report. You already need to give them your social to withhold taxes.

So you think someone with good credit wouldn't steal?

People with good credit are generally respectful and honorable people. People with bad credit are the ones lacking the moral compass to pay back loans and credit. I would trust someone with a good credit history to honor agreements, provide notice when quitting, be on-time, and yes, not steal. Sure, people can have a great credit history and then be bad people. Anyone anywhere doing anything can be a bad person, but I think a credit check is a good tool to use in this situation along with an in person interview.

As someone who struggled with finances in their early 20s (due to many factors outside of my control) and now has shit credit which I am working to rebuild as a result, f***you.
Your moral compas is seriously flawed.

How are your finances outside of your control? The only reason to have bad credit is because of identity theft, and even then you should get it sorted out within a year.

You are so fucking naive. There are lots of reasons a good and moral person can end up struggling to pay your bills and with bad credit. Have you ever been so broke that you had to choose which bills to pay and which to let go? You ever been a struggling 20 something trying your damnedest to make it through school? Its just not as cut and dry as you make it out to be, and that's why fool's like you have no business with anyone's credit report.

If I was so broke I couldn't pay the bills I would stop incurring more bills. THAT is what seeing your credit report lets me know. If you lose your job you need to cancel your cable, internet, etc. move back in with mom and dad, sell your car, etc. The problem is people don't do that, they just think "meh, oh well, lost my job so I'll just sit here with my iPhone and $100 a month cable and chill until they shut them off"

I'm not talking about choosing not to pay your fucking iPhone bill. I'm talking about you're 20 years old, completely on your own, have an 18 month old little girl, and you're trying to finish your degree. You have to choose light bill or heat? Groceries or heat? Rent or daycare? Your daughter is sick but you can't afford the time off to go to the doctor, let alone the fucking doctor bill. You haven't got the slightest clue what struggling is really like, so why don't you shut your goddamn mouth. As you live and fucking breath, you incur bills and sometimes you fall behind. Go fuck yourself.

A person like you that makes the choices you do, to have a baby at 19 when you have a shit job and no education, that can't afford all the things she has signed up for.... you are exactly the type of person I would hope to weed out with a credit check. you have no business raising anyone else's kids or teaching them your values.

You're right. I made a mistake at the age of 19. Who among us, at 19 was not stupid? As for the other assumptions you make, I was in the process of getting an education at the time and I went on to complete my education with my baby girl in tow. We struggled, but I worked my ass off and I'd the best that I could at 19 without any guidance or money. I hope that my example teaches my daughter and other children in my care that life isn't always fair or easy, but you do the best you can. You work on and you persevere. I am also trying to teach them to judge others not by superficial benchmarks like income credit score or appearance, but on the content of their character. My struggles have helped to shape the person that I am and built me up to know that I can handle anything. Stand on your soapbox and preach and judge all you like sweetheart. Your time will come, and you won't know what the fuck to do.

[Anonymous]

There are certain jobs out there that DO check credit, but nanny positions shouldn't.

Personally, I do not think a nanny's credit score/rating has anything to do w/her ability to care for someone else's child, but not everyone agrees w/me.

If it makes you uncomfortable, you can always decline, however keep in mind in doing so, the family can always decide on not hiring you for the position.

If that is the case, then think of it this way.
Perhaps this was not the right family for you in the first place.

[Anonymous]

Anonymous wrote:There are certain jobs out there that DO check credit, but nanny positions shouldn't.

Personally, I do not think a nanny's credit score/rating has anything to do w/her ability to care for someone else's child, but not everyone agrees w/me.

If it makes you uncomfortable, you can always decline, however keep in mind in doing so, the family can always decide on not hiring you for the position.

If that is the case, then think of it this way.
Perhaps this was not the right family for you in the first place.

It's not a credit score anyone is concerned about. 300 or 700 doesn't matter. It's the history. And if you have a reasonable explanation for any blemishes then that is fine.