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Archive for November, 2010

Being jobless for many months can destroy your credit scores. Even if you manage to juggle accounts and keep paying the bills on time, using the credit cards to make up the shortfall between unemployment benefits and monthly expenses is damaging.

Worse, as too many consumers have learned, when you start using your credit cards, card issuers start lowering credit lines and raising interest rates. That’s a practice that has caused many of the jobless to simply stop paying the credit card bills. Thus, their credit scores have fallen to the basement.

Most are anxious to find employment and get back on track with bill payment, but that fallen credit score gets in the way.

As of a 2004 survey by the Society for Human Resource Management, 40% of employers were checking credit before hiring. Now, with applicants flooding the job market, that number is likely higher. Many are reviewing credit histories prior to a first interview with a job candidate. Others are checking after hiring, and then terminating employees based on their credit scores.

Employers cite it as a good business practice – one that will prevent them from hiring people who are irresponsible or who make bad decisions. Some also state that the practice could cut down on employee theft. And of course, with so many applicants to choose from, using credit scores is an easy way to thin down the numbers.

Advocates for the jobless contend that checking credit scores is a form of “safe” discrimination – and that a good credit score is often completely irrelevant. Missed payments or a medical debt have no bearing on a person’s skills and ability as, for instance, a plumber or an auto mechanic.

States are slowly recognizing the problem and a few are taking steps to prevent this practice. In Washington, for instance, a job candidate’s credit history must be relevant to the job he or she is seeking. Lawmakers in Hawaii have approved a similar measure, but take it a step farther by allowing employers to review credit histories only after making a job offer.

Lawmakers in Ohio and Michigan are considering measures that would prohibit employers from using credit history in hiring decisions.

Federal law requires employers to get permission from potential employees before running a credit check. Further, if they decide to deny employment based on the credit report, they’re required to notify the applicant. This rule is intended to give the potential employee an opportunity to explain the reason or to spot errors on the report.

Arlington is halfway between Dallas and Fort Worth in eastern Tarrant County. It was founded in 1876 on the Texas and Pacific Railway as a market town for the surrounding farms. From the 1840s the area had attracted farmers because of the fertile blackland in the eastern part of the region and the sandy loam, good for growing fruits and vegetables, in the western part. The place was also well watered by the Trinity River and its tributaries. Early settlements included Bird’s Fort, Watson, and Johnson Station, founded by Middleton Tate Johnson.

The area was not without liabilities for settlers, however. The Village Creek area near the site of present Lake Arlington was one of the largest gathering places of Indians in the region. In a battle of May 24, 1841, Gen. Edward H. Tarrantqv attacked and defeated the Indians of the Village Creek encampment, thus opening the Arlington area for white settlement. According to the terms of the Indian Peace Council in 1843, a trading post was set up at Marrow Bone Spring (in present Arlington), near Johnson Station. A few stores had been set up in Johnson Station before 1876. When the Texas and Pacific planned to lay tracks through the county, a more direct route between Fort Worth and Dallas was chosen, north of Johnson Station. A Presbyterian minister, Andrew S. Hayter, was asked by the railway company to survey the area that became Arlington and the land on either side of the tracks. He is credited with laying out the first town plat. The stores and many of the settlers made the move north to the new location from Johnson Station at that time. Johnson Station had a post office from 1851 to 1905. When citizens of the new settlement applied for a post office under the name Johnson they were turned down because of the proximity to Johnson Station. The post office was established under the name Hayter in 1875 and in 1877 was renamed Arlington, after Robert E. Lee’sqv hometown in Virginia.

Arlington had as many as five gins at one time to process cotton, the major source of agricultural revenue. Area farmers also raised hay, oats, corn, peanuts, potatoes, sorghum, and other crops, as well as dairy cattle and other livestock. Arlington became the site of large produce sales and a distribution center for shipment to other towns. Another early source of revenue was the mineral well in the center of town. Though it was dug as a public water well, it yielded mineral water, from which medicinal crystals were produced and sold. The water was also bottled for sale, and a sanitarium was built for using it to treat illnesses.

By 1884 the community had an estimated population of 800 and Baptist, Methodist, and Presbyterian churches. In 1890 Arlington reported eighteen businesses, including several stores. By 1910 the citizens had an electric plant, a water system, natural gas lines, telephones, and a public school system. In 1925 the number of residents was estimated at 3,031. Arlington Downs,qv a racetrack built in 1933, drew thousands of visitors, including many dignitaries, until pari-mutuel betting was declared illegal in Texas in 1937.

Before World War IIqv the population of Arlington had grown to 4,240. A General Motors assembly plant was built there in 1951, and the Great Southwest Industrial District was formed in 1956. In 1961 the population was estimated at 44,775, and 122,200 residents were reported in 1978. Arlington has a council-manager government. Tom Vandergriff served as mayor through the period of rapid growth, from 1951 until 1977.

In 1990 the city had two institutions of higher learning, the University of Texas at Arlington and Arlington Baptist College. Recreational, social, and cultural facilities included many public parks, several public swimming pools, public and private golf courses, tennis courts, auditoriums, libraries, theaters, youth centers, seniors’ facilities, and a community center. For recreation and water needs Lake Arlington was developed in the southwest section of the city in 1957. The large amusement park Six Flags Over Texasqv opened in 1961. It continued to draw thousands to the North Texas area, and Arlington in particular, every year. Restaurants, hotels, motels, and many retail businesses benefited from this tourist attraction. In 1972 Arlington became the home of the Texas Rangersqv baseball team, which plays at the Arlington Stadium. In 1988 Arlington had an estimated 213,832 residents and 4,105 businesses. The population in 1990 was 261,721. In 2000 the population grew to 332,969.

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