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  3. After three rounds of interviews for a sales position with Prudential Insurance , Patricia Rosa received a letter in February sa

After three rounds of interviews for a sales position with Prudential Insurance , Patricia Rosa received a letter in February sa

admin2012-07-11  27
问题     After three rounds of interviews for a sales position with Prudential Insurance , Patricia Rosa received a letter in February saying her job application was denied .based on information turned up in a background check. The only blemish (瑕疵 ，污点) on her record,she says: Poor credit that built up since she lost her job two years ago. More and more employers are conducting credit background checks on applicants for some positions, figuring that the financial information can offer insight into a candidate’s level of responsibility. But people whose credit has been damaged by the economic downturn say they are victims of circumstances beyond their control.
    Critics of the credit checks say they create a vicious cycle that prevents those who most need jobs from getting them. Lawmakers are pushing for change. U. S. Rep. Steve Cohen has proposed a bill to prohibit the use of credit checks during the hiring or firing process, with certain exceptions. And some states have passed or proposed laws to restrict employers’ use of credit checks.
    A Prudential spokeswoman says the company doesn’t comment on specific applicants but that each candidate authorizes the company to conduct a background check, which may include a credit check. Federal law gives employers the right to conduct background checks on current and potential employees through third-party companies, with the individual’s approval. Some 47% of employers say they check the credit history of applicants for certain positions, according to a 2009 survey by the Society for Human Resource Management. The vast majority of employers who conduct credit checks do so for jobs with financial or fiduciary (受信托的) responsibility, such as accounting, budgeting, managing others’ money or those involving cash or sensitive credit-card information. Nearly half the respondents also consider the credit of candidates for senior executive positions. Common roadblocks to a job offer include lawsuits or other legal judgments outstanding against the candidate, or multiple accounts in debt collection, according to the survey.
    Knowing what is on your credit report and offering an explanation for debt caused by a specific event could keep negative information from derailing your employment chances. First, be sure you understand what employers can see on a credit check and make sure you understand your report so you can explain any problem areas. A credit report includes debt, bill-paying history, number and types of accounts, how long you’ve had them,and whether you’ve been sued or have filed for bankruptcy.
    You might be tempted not to authorize a potential employer to conduct a background and credit check. But refusing permission is likely a deal breaker, career counselors say. Employers will assume you are hiding a serious problem, and in today’s job market, they won’t have trouble finding a more forthcoming candidate.
The employers make the credit background checks to______.
选项 A、set up the qualifications in the employment
B、promote the sales achievement
C、refuse the unfavorable candidates
D、predict the employees’ responsibilities
答案D
解析 事实细节题。本题考查雇主进行信用背景调查的目的。定位句指出，越来越多的雇主开始针对一些职位进行信用背景调查，这样做的目的是他们认为在财政上的信用信息能够反映应征者的责任感程度。故答案为D)。A)“在应聘中建立资格”不符合事实，排除；B)“提高销售成绩”文中未提及，排除；C)“拒绝不好的候选者”，此项干扰性最强，但是该理由在文中没有依据，故排除。
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