4 ms·
> Every landlord I've rented from has pulled my credit. There is also a separate tenant screening for real estate that, at least for me, seems to be more relia
by notlob 9y ago
> Every landlord I've rented from has pulled my credit.
There is also a separate tenant screening for real estate that, at least for me, seems to be more reliable as an indicator for trust than the financial credit report. It is possible your landlords are doing the same? Perhaps that’s what you mean by reference checks?
> It's more than likely that if I was in a different career, and particularly if that career was in a lower-paying sector where workers have less leverage, my credit score would be a real concern in finding a job.
I’d point out poor credit is also problematic in high-paying professional fields, e.g. in a sector requiring clearance, or perhaps in a sector requiring licensure. As I understand it even public trust clearance would be problematic with poor credit.
It’s great your strategy has worked out well for you, but it seems a required part of your strategy is to be remarkably lucky.
- tptacek 9y agoI haven't been government-cleared for anything (as a matter of principle I won't do work for the federal government), but I've been background-checked repeatedly, including by major exchanges, and never once had a problem. I'd like you tell me more about how you think I've been lucky with respect to my disregard for my credit score. I don't think I have.
- notlob 9y ago> I haven't been government-cleared for anything (as a matter of principle I won't do work for the federal government), but I've been background-checked repeatedly, including by major exchanges, and never once had a problem. I don't understand what this contributes. I guess it's great that won't work for the feds but that's hardly a generalizable position. Are you suggesting that passing the background check for a major exchange informs on the outcome of a public trust clearance or a professional license? Criminal background check portion perhaps, but not character and fitness—I would SWAG you'd need to correct your report before you could proceed. > I'd like you tell me more about how you think I've been lucky with respect to my disregard for my credit score. I don't think I have. Your tl;dr sums it up, your strategy works for you, but how it at generalizable even for a limited definition for “tech workers”? Partly I think you’re neglecting the advantage in being established in life before the Great Recession, which is part of why I say you are remarkably lucky. Does your strategy work for the younger cohort who would purchase a home post-2008? Does your strategy help for people who experience a significant adverse life event like divorce or a natural disaster? That part of your "dispute resolution strategy" is to "ignore mistakes and disputes forever" and live unimpeded, when there are so many who could not do the same (myself included, it'd be a career-ender), leaves me slack-jawed with amazement. My congratulations to you, but I hope you see that few can get away with that.