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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  59
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 employees are suggested not to refuse the employers’ checks because______.
选项 A、employers get the strong support from the federal law
B、employers may assume you have problem with the credit
C、employees may have trouble in finding another company
D、employees may get another bad credit record
答案B
解析 事实细节题。本题考查建议雇员不要拒绝信用调查的原因。定位句指出，如果拒绝的话就可能会导致雇佣意向的终止，也会让雇主认为雇员是在隐瞒一些严重问题。故B)为本题答案。A)“雇主得到了联邦法律的支持”，法律给予的权利是调查要在雇员许可的条件下进行，而没有规定雇员无权拒绝调查；C)“雇员很难找到另一家公司”，文中未提及，故排除；D)“雇员会获得另一个不良信用记录”，不符合题意，故排除。
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大学英语六级

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