I was on the FCRA/FTC commission site reading letters and answers from the FTC from employers about how far can they go in eliminating candidates/promotional prospects using these reports. The info was depressing. One employer said if they get 50 apps for a position, they immediately throw out any that show a BK.(more then one wrote this). Another said they automatically deny promotions based on credit scores). The government reply? It's perfectly OK to do this. Seems that having a low score and/or BK makes you an untrustworthy, low-life, BAD person. If hubby does not sign for permission to pull a report (and the pulls will all appear on his credit reports) that will immediately raise a red flag. If he does, they will all see his BK. Any advice? We will be out on the street, it will only be a matter of time. Please post any experiences, suggestions, advice etc. Thanks.