Current through Register Vol. 46, No. 12, March 20, 2024
1. Employer's name, address
and telephone number and applicant's position.
2. Applicant's length of time with present
employer. If applicant has less than two years with present employer, previous
employment should be obtained or reason(s) for not being previously
employed.
3. Whether the applicant
owns or rents his place of residence. If renting, the length of occupancy of
the premises should be determined.
4. Bank account(s)-types and where
located.
5. Whether the applicant
has credit cards, charge accounts, loans or other credit references.
6. Whether the applicant has sources of
income other than from employment.
The following guidelines for determining what are positive and
negative answers should be used:
1. If
the applicant is employed, that is considered a positive answer. The
applicant's position is of importance only to the extent that it helps identify
the applicant during a credit check with the employer. Position should not be
given any weight since it could result in discriminatory treatment of certain
individuals who are forced to take low paying positions. Employment of a
spouse, with whom the applicant is residing, would be considered equivalent to
employment of the applicant.
2a. If
the applicant has been employed by the present employer for two years, that is
considered a positive answer.
2b.
If the applicant has been employed by the present employer for less than two
years, but has been employed by only one other employer during the past two
years, that is considered a positive answer.
2c. If the applicant has been employed by the
present employer for less than two years and has no previous employment having
recently graduated from high school or college or having recently been
discharged from military duty, or having been recently widowed, separated or
divorced, the response should be considered positive.
3. If the applicant owns his or her home, or
has occupied the premises for two or more years, or has occupied the premises
and the preceding residence for two or more years, that should be considered a
positive answer. [A utility may choose not to require a deposit of homeowners
for that reason alone provided it applies that standard uniformly.]
4. If the applicant has had a bank account
for more than one year, which is substantiated by the bank to be in good
standing, that should be considered a positive answer.
5. If the applicant has credit cards, charge
accounts, or has been extended credit by a bank, commercial concern or
individual, it would be considered a positive response unless subsequent
investigation proved the applicant unworthy of credit.
6. If the applicant indicates other sources
of income such as stocks, real estate, welfare, pension, alimony, etc., this
would be considered a positive answer.
