Memes

There’s also no credit-score check in the US for job applications, so no, it doesn’t “lock people out of finding work.”

Employers may use credit report information to verify an applicant's identity and to look for signs of excessive debt or past financial mismanagement. Source: https://www.experian.com/blogs/ask-experian/why-employers-check-your-credit-report-and-what-they-see/

Employers discriminate very openly against applicants for a variety of reasons. Nepotism is one such way, AI filtering is an emergent way - there are plenty of other practices.

Good luck getting a job if you were ever convicted of a crime, no matter how innocuous, or even had a police report filed against you (for certain jobs with clearances) - with no convictions, evidence, or arrest. Even being arrested with charges dropped can disqualify you effectively.

And you better believe if you actually got arrested, every local newspaper has doxxed you - with full name, mug shot, even potentially your employment history and rough home address. All it takes is a name to get somebody's address because people search websites exist to compile all of the wonderful publicly available information.