1. How well do you think credit checks meet the effectiveness criteria of
(a) Reliability; (b) Validity; (c) Ability to generalize results; (d) High utility; and (e) Legality?
2. For what kinds of jobs might a credit check be a useful selection method? For what kinds of jobs would it be unhelpful, inappropriate, or unethical?

It’s hard enough to find a job in this economy, and now some people are facing another hurdle: Potential employers are holding their credit histories against them.
Sixty percent of employers recently surveyed by the Society for Human Resources Management said they run credit checks on at least some job applicants, compared with 42 percent in a somewhat similar survey in 2006.