Sunday, May 27, 2012

The Newest Form of Discrimination

The newest form of discrimination? Let's call it "creditism". You were out of work for two years or more THROUGH NO FAULT OF YOUR OWN, due to the crappy economy. Because you eventually wound up with ZERO income due to aforementioned economy, your credit rating suffered greatly. You now have a secure, stable, civil service job but landlords will not rent to you because of aforementioned credit devastation. You're not a bad person, you're a person who had something bad happen to you....but that is apparently irrelevant. You look bad on paper. It's a modern-day nightmare. The 99ers were victimized by employers who felt they'd been out of the workforce too long... and it was because of THEM that we were out there -- and some of us are still out there...it's a vicious circle. We were told to take "any job" as if jobs were hanging from trees and we were refusing to pick them.  And now, when some of us are trying desperately to get our lives back, short-sighted landlords are closing yet another door.  SO tired of feeling victimized.


If you check craigslist ads, maybe 75% of them mention that the renter must have good credit or a guarantor (which I do not). Some even post a number, e.g., "must have credit rating of 740 or better". In some cases, I have ignored that and called anyway, only to be met with, "Welllllll, we'll have to see...." At one apartment viewing, one guy told me, "Well, you might be OK now but sometimes creditors come after you and the next thing you know, you're being garnisheed...." So I have to stand there and do my song and dance while some guy tells me that he probably won't rent to me because HE thinks I *might* be garnisheed sometime in the future...
 Lovely.

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