Millennials have an average credit score of 625 (based on the Experian VantageScore 3.0 credit score), compared to 650 for Generation X and 709 for those over 50 years old. They also use an average of 43 percent of their credit limits—compared to 34 percent nationally—and their average debt (excluding mortgages) totals 77 percent of their income, compared to 49 percent nationally.
Consumer advocacy groups have long complained that there is no link between bad credit and job performance. They argue that such checks lead to discriminatory hiring.
The system is profitable but imperfect, and for decades critics have attacked it for all sorts of offenses. In 1969, Columbia University legal scholar Alan Westin testified to Congress that the companies violated Americans’ right to privacy and that their inaccuracies damaged lives.
Demos applauds the work of Senator Elizabeth Warren (D-MA) who today introduced The Equal Employment for All Act, legislation that would prohibit the widespread use of pe
Not that many people vote in midterm elections. While 57.5 percent of eligible voters cast ballots in the 2012 presidential race, a mere 41.9 percent did in 2014, according to data from the Census Bureau. Midterm turnout isn’t just low, though. It’s falling. It tumbled from 47.8 percent in 2006 to 45.5 percent in 2010 before falling yet further to 41.9 percent in 2014.
"The Administration strongly supports the goals of the NVRA and is committed to enforcing its requirements, as applicable," the agency said in a statement.
Jenn Rolnick Borchetta, senior counsel at Demos, called this an "almost hidden voter registration question" that does not satisfy the NVRA.
To comply with the NVRA, she said, the exchange would need to directly ask applicants if they want to register to vote because applicants are less likely to see registration information if they aren't forced to answer a question about it.
What’s up with working-class whites? It’s a question that’s been asked for decades, and has been raised again recently in the discussion surrounding an Alec MacGillis piece examining Matt Bevin’s recent election gubernatorial win in Kentucky, which could leave many in Kentucky without Medicaid.
Over the last decade, an increasing number of cities and states passed laws limiting the use of credit checks in hiring, promotion, and firing. These laws have been motivated by the reality that personal credit history is not relevant to employment and that employment credit checks prevent otherwise qualified workers with flawed credit from finding jobs, and that unemployed workers and historically disadvantaged groups, including people of color, are disproportionately harmed by credit checks.
The latest challenge of voting procedures contends the state’s system eliminates names of registered voters based on their failure to vote. The lawsuit naming Secretary of State Jon Husted specifically alleges the illegal cancellation of registered voters who are homeless.
Today, six in ten employers say that they check the credit histories of some or all prospective employees before making final hiring decisions. This traps many jobseekers in a devastating catch-22.
CINCINNATI (CN) — The state of Ohio, a key battleground state in this year's presidential election, told a Sixth Circuit panel on Wednesday that it believes it has the right to purge from voter registration rolls anyone who hasn't voted in consecutive federal elections and did not respond to inquiries about a change in their address, regardless of the reason.[...]
Amid soaring inequality and stagnant wages, consumers in the United States collectively accumulated a stunning $34.4 billion in credit card debt during the second quarter of 2016 alone, according to a new report from the personal finance website WalletHub.
Federal deficit hawks in Congress, driven by ideology and the campaign donations of, for lack of a better term, millionaires and billionaires, held yet another hearing last week about the national debt — but U.S. lawmakers continue to ignore the debt that is causing real trouble for the nation.
The debt danger Americans should really worry about comes from credit cards and student loans.[...]
Native Americans rank lower than any other ethnic group in the US for voter turnout, and it’s not because they’re less passionate about voting. There’s a long history of changes in voter rights laws in several states which has made it harder for them to take advantage of this constitutional right.
Washington, D.C., is the latest jurisdiction to consider legislation to prevent employers from conducting credit history screens for most job applicants.
Currently 11 states, New York City and Chicago have passed legislation limiting the use of credit checks in the hiring process. The states include California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Nevada, Oregon, Vermont and Washington.
[...] So-called “challenge statutes” have long been a subject of controversy. A 2012 Demos study referred to “bullies at the ballot box” measures, arguing that “There is a real danger that voters will face overzealous volunteers who take the law into their own hands to target voters they deem suspect.
In a letter sent Tuesday to the New York State Board of Elections and DMV, the groups accused the DMV of flouting a federal law requiring that citizens be able to register to vote whenever they apply for, renew, or change their address on a driver's license or state-issued identification card.[...]