The reliance on credit reports in hiring is becoming widespread. A survey by the Society

The reliance on credit reports in hiring is becoming widespread. A survey by the Society for Human Resource Management found that 60% of employers do credit checks for at least some positions. The use of credit checks is growing at time when the【M1】______ economy is making it hard for people to keep their records cleanly.【M2】______ Delinquency rates on loans have been arising, according to a report【M3】______ issued last week by the American Bankers Association, driven by a weak job market and rising food and gasoline price.【M4】______ The biggest flaw with the use of credit checks in employment screening is in that it makes it difficult for many good people who【M5】______ need work to find. Employers who do credit checks operate under【M6】______ the assumption that having had trouble paying bills is a character flaw, but there is scant hard evidence to back this down.【M7】______ Many credit problems are due to factors outside of a persons control. Sarah Ford, an attorney with the Lawyers Committee for Civil Rights Under Law, told a House committee last year which【M8】______ credit reports failed to provide insufficient context. "A credit【M9】______ report would not explain that a factory worker lost his job when his employer went out of business," she said. Or that "a mans credit was destroyed so he was the victim of identity theft or a【M10】______ predatory lending scam." Or that "a woman lost her job and her health coverage before developing breast cancer and incurring astronomical medical bills."

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