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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

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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.
What does the federal law regulate about the background checks?
选项 A、Employees for some positions must accept the background checks.
B、The use of credit checks should be prohibited among the employers.
C、The checks can be carried with the participation of third-party companies.
D、The checks are violations against the protection of the employees’ rights.
答案C
解析 事实细节题。本题考查联邦法律对于背景调查所做的规定。定位句提及联邦法律给予雇主进行背景调查的权利，但是有限制，调查要通过第三方，而且调查要征得本人同意。故C)为本题答案。A)“某些职位上的雇员必须接受背景调查”不符合文意，故排除；B)“应该禁止雇主进行信用调查”，文中提及可以进行信用调查，故排除；D)“调食违反了对雇员的权利保护”，法律规定调查是在征得雇员同意的基础上进行的，故排除。
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大学英语六级

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