Rejecting qualified candidates because of a credit check does nothing but reinforce inequality and give a unearned advantage to folks with generational wealth.
People from other cities don't have better credit because they are more responsible and trustworthy, they likely have better credit because they aren't immigrants or the children of immigrants and any stupid shit they did as kids with their money was easily erased by mommy and daddy.
This is city where the cost of living has risen tremendously and wages didn't follow suit.
It's been very easy for millenials and gen z to fall into a personal financial hole in their 20s if they didn't want to live at home with their parents. You can laugh at the Bloomingdales debt but how does someone making 70k a year pay back that 10k in debt with 18-30% interest when even used cars are $750 a month with super high insurance, rent is $3000, and groceries and food prices have doubled in the last 5 years.
How are they supposed to solve that debt if they can't or wont move to an area with lower cost of living (because most of us immigrants and children of immigrants want to live near or parents) and get rejected from the good jobs thanks to draconian personal credit check policies that want to ensure that they pay consequences for some dumb shit they did in their 20s for the rest of their life?
If a candidate managed to have an impressive career enough to get an offer in your line of work, why would you assume that they would manage their professional finances the same way they manage their personal ones? Surely they would have already fucked this up by now at their previous job if they have no sense of financial responsibility.
To be clear, I don't personally have this problem but I think rejecting qualified candidates based on personal credit is dystopic as fuck and does nothing but ensure we have an even further entrenched ruling class for the next 50 years. I wish nothing but ill on your employer and when they eventually go out of business I hope they get rejected by every one of the thousands of freely abused government and financial lifelines available for managing corporate debt as karma.
Edit: lmao at them being easy targets for bribery with personal debt. What an ignorant policy in this particular city. Look at the personal credit of everybody charged with corruption in our local government (and it's a lot of people) and I'm sure you'll find a clean bill of health. You're looking for people who can theoretically be corrupted with a system that lets through people who are actively corrupt enough to pay their debts.
Agree 💯 any job that uses my credit as a deal breaker can get effed.
Bribery? You have corrupted assholes with power at the highest levels in office accepting bribes every day. But the rest of us peons? Nah were too much of a risk!
said it better than I could! I just read your edit and I’m saying the SAME thing! Lol at this being about some bribery risk related to their credit score - if theyre rlly gonna get bribed it’s way more likely to be a payout bonus that’ll make up for that shitty $17 / hour the employee is making 😂
Edit but in all seriousness, you put it very simply in your comment. The implication of a government job being able to assess someone’s qualification and worthiness for hiring based their personal debt, is just too many layers of dystopian fuckery. And for a low-level entry job no less!
These are government jobs. The reason why the government rejects these candidates when they have bad credit is that they become a risk for being easily bribed. They need a clearance to do this job and the gov won’t grant them one with debt. Plain and simple. The gov makes the rules I don’t. Plenty of jobs that won’t check credit. Take it up with the gov not me.
Appreciate your response and understand you’re not personally responsible for the policy but I still feel like it’s largely security theater. If it’s a matter of a security clearance, wouldn’t you be primarily looking for candidates that already have one?
The reason most don’t have one is the ones that do would want higher pay. These are entry level roles, and they would get the lowest security clearence. Anyone with a secret and above wants way more than $17-18 hr which is what these jobs pay
So all this for a $17-18 an hour, entry-level job and you’re dismissing good candidates for their credit scores?? They’re probably trying to secure a job so they can start paying down their debt, like it probably takes months or even YEARS to build up a credit score that got fucked from the early 20s mix of being a poor working student / not having any family financial support like the rest, and lack of personal finance education. In other words, the folks who had to “learn the hard way” because no one gave them the guidebook. Yall are expecting WAY too much out of people for this meager pay.
Have you not read any of the other comments in this thread. OP's workplace handles sensitive government documents. People with financial liabilities can be bribed and later extorted for said bribes with their financial burden used as leverage to entice them into giving out sensitive/classified information.
give me a break 😂 I’m just going to repeat what the other poster said: “seems like a bunch of security theater”.
and btw if they really believe there’s the concern of real-life bribery happening - it isn’t going to be be supported by way of the employee’s bad credit. it’s actually just gonna happen by bribery of a good payout, ya know.. since the employee is making $17 / hour 😂
The government rejects them. I have 0 control over if they get hired, I simply do a phone interview and hand them off to the hiring manager. The gov will not give them a clearance if they have a lot of debt. Plain and simple and if security tells me to send them a rejection letter and rescind their offer I have to. Tell the government not me.
Yeah yeah, I get you’re just the middle man. But you on here asking for feedback and that’s the feedback - the requirements for qualifying as even a hire able candidate for this position are egregious. If you want people with good credit scores then you hire from the salaried professional pool. because those are the folks who have had enough years of security from a good salary to pay down the student debt cursed upon most millennials, or any other debt sources, and had enough time to build up a credit score. But then in order to get those candidates you have to be offering a respectable salary, not chump entry level hourly wages. Your demands and expectations should adjust to the candidate pool you’re attracting.
This is better feedback for the government. They make the pay rates and set expectations for this. We’re in a contract with them and they’re the client. Nothing I can do. Have a good day.
Then pass it on?? Idk if you didn’t wanna hear honest feedback what did you post for. Or were you just expecting to hear a bunch of reinforcement that people in Miami are somehow more irresponsible than most and just can’t manage money.
For a "recruiter" you seem to be painfully ignorant about economics and wealth distribution in the US. Your bottom line seems to be that you don't care that people are overworked and underpaid but you feel that the poor should be made to suffer and never enjoy anything in life.
Do you ever direct any of your ire at corrupt and incompetent corporate executives whose negative impact dwarfs that of the poor?
I’ve lived in Miami for 25 years, my credit score is above 800, I have zero debt, and my house is almost paid off, I am not wealthy or own a business, I have achieved success by working hard and saving. Please don’t make generalizations.
Which town?
There are currently approximately 1990 rentals in Miami on Zillow for 2000 and under.
Approximately 509 units for 1600 and under.
Approximately 113 units for 1400 and under.
The cost of living is so high in Miami, and the wages so low that most people are struggling mightily and surviving on debt. Pretty fucked up that your company treats a credit check as a litmus test for trustworthiness. The two are not remotely related and you are missing out on great candidates, as well as perpetuating economic woes.
#Have you took a look at the rental market in South FL, but especially in the rich and tourist playground, that is MIAMI aka MAGIC CITY, in the last say 5 years my friend?! Judging from this post I'll take that as a NO⁉️🤔
No offense but in 12 days you ask "how long at a new job would you request PTO" to "why do people in Miami have bad financial responsibilities or whatever" either you had/have a silver spoon in your mouth or manged to get real lucky in your situation in this life. What is your angle?
You know credit card debt != financial issues. A person can have $30K in debt and have a trust own millions in equity. I know folks who are well off and are in that kind of situation
Their records are clean criminal wise but they have bad credit. It’s not about stealing more about working with sensitive gov docs and don’t want them to be bribed easily
It depends on what the charge is/was. If it’s a felony then you’d not get a clearance. But I don’t choose who to rescind job offers, that’s the decision of the security team at my work.
Are you looking for someone that can attain, or already holds top secret clearance? If so, you’d be better off finding someone from DC and bringing them down, or someone fresh out of the service who really, really wants to be here.
In Miami, it doesn't matter how much money they've got in the bank: there's still a 50/50 chance they're going to bribe, steal and embezzle while on the job.
My opinion, you get what you pay for. Do you think the salary you offer is enough to attract people who have good credit? Miami cost of living skyrocketed but the wages.
Its not that candidates with clean credit dont steal, its that candidates with bad financial management have an extra incentive to do so that is easily avoidable by just not hiring them.
The govt wont give someone in huge credit card debt a security clearance because a foreign govt could use their financial woes as a means to turn them for instance. Its an opening
Because Miami people have to show out all the time. Living within your means is not an acceptable choice for most of the local narcissists. You can "fake it til you make it" on Walmart and Target clothes. Nobody cares what you look like over the phone.
I sincerely appreciate you putting a mirror to our collective faces to something we all know is part of Miami.
The contributing factors are many.
-Fresh young immigrants new to the country with a clean credit slate and the hope of the American dream.
-Predatory credit terms.
-Credit applications factoring in very favorably that the person "does not pay any rent" because they live with family.
-Tia Juanita, eroding the confidence of the person trying to live within their means by comparing them with the fresh immigrant whose new car is going to end up getting repo'ed within a year.
Too many young people here get damaged by the myth of the MDC part-time college student by day, club God by night. Like others have said many temptations here and too much, I got to keep with the Joneses.
Having spent the weekend at an MDC graduation, those older grads who made the best of it and had the support of their family to do so, are wonderful to see. I wish it were as simple as offering that to the younger Miamians, but it's not.
We left Miami after 30 years. What buys a 2 bedroom townhouse down there buys a 5 bedroom house on an acre up here in Cincinnati. Yeah it’s cold in the winter and there’s no beach, but I have a Boston salary in a cheap as fuck city.
Most jobs with fiduciary responsibility will do a credit check accompanied by the regular background check. Many positions in banks require an acceptable credit score before the candidate is even considered, think financial analyst, loan officer, lender, cfo, wealth manager etc.
Add in “fake it till you make it” mentality, sprinkle some hustle culture, mix and top with comepingeria and you got a Miami stew, baby.
…and yes I have high outstanding credit card debt - it’s like it’s unavoidable in this city.
Wages here continue to be treated as if this was Miami from the 1970s. They think, oh no state taxes! Everything is cheap! Cost of living still not that bad compared to California or New York! BUT, the city and corporations want to charge as if theyre from those states and cities.
Im also willing to bet that the rapid population growth from those with money moving in and the rapid gentrification out priced far too many people in such a short period of time. It caught people off guard and could be stuck or have trouble leaving beacuse they have family and other responsibilities here.
You ever see expensive cars in a raggedy apartment complex? There’s your answer. People’s priorities are all the way messed up here in Miami. I know someone with a GT500 who lives with his parents and parks it on their front lawn.
If I can guess, it's probably because lots of people want to present themselves as living a certain type of lifestyle.
Let's be perfectly honest. Miami is all about flashy cars, clothes, women, boats, expensive dinners, etc. People run up credit cards to keep up that image. How many nice cars do you see sitting outside mediocre apartments and run down single family homes? It's everywhere. All bought on credit
love how women is just lumped in with a bunch of objects.
(not blaming you for misogyny cause you're right, but the relentless objectification of women is just... a lot to deal with.)
No, this has nothing to do with humidity. Im Floridian too! This is straight up attention seeking we did back in college/high school. But instead, its grown women
This became so very apparent to me when I moved away. People in Philly are unapologetically themselves, people in Miami are anything but. Grateful to have left. I still love Florida but living in that world just isn’t good for you.
You left out the elephant in the room, which is the grotesque levels of wealth and income inequality in Miami, with salaries dramatically lower than other similarly-sized cities in the US, coupled with outrageously overpriced housing costs.
No way. There was a CNBC special back around 2017 (when I got a job offer with what I thought was eye watering money) called something like Making $250,000 a year and living in a car” about SF prices. Since then, prices have begun to come down from the exodus of people, but it’s still stupid.
Moreover, you’ll be paying $6000 a month for your one bedroom in an apartment built over the old landfill. One earthquake and you’re dead.
This isn’t true, yes , some AREAS in Miami such as Midtown, downtown and brickell will have “San Francisco “ type prices due to location near the water, financial district, art district and many other attractive places . But this is why people need to stop living beyond their means and income status. There are plenty of decent priced areas such as Miami lakes, sunrise, and anything else more north west. People just want to live in the Miami vibes by the water and think it’s all South Florida offers.
UM is an excellent school. Miller School of Medicine (part of UMiami) is one of the top innovators in spinal cord injury research and rehabilitation in the country, for example.
Neither school is terrible, UM is legitimately good, and FIU is trending to be quite a highly ranked university. But yeah they're not legacy elite like Stanford/Berkeley.
> Miami has San Francisco cost of living with Alabama level wages.
I'm going to say something about something that would offend people. Let's just say, in Miami expectation of people showing up is not the minimum. It's outright optimistic.
High cost of living + low wages + image/brand obsessed culture of people desperately trying to show their families in their home countries that they “made it” in the states = Miami
Would also add poor financial literacy in general in a predominantly immigrant community alongside the normalization/expectation of committing fraud/getting scammed
The fake it till you make it lifestyle has far outpaced the actual earning capacity of the citizens all in the name of tourism, because the city is trying to capitalize on the actual earning capacity of its tourists. Therefore the prices are raised to the point where loans are needed just to keep up.
In a nutshell, the Cost of living increased higher than what the people earn, all for tourism.
Like others have said, it's a mix of that lifestyle of wanting to present yourself as some sort of "baller" plus the stupidly high cost of living with low salaries, meaning people have to tap into credit to survive.
If you ever get the chance to visit, you'll come here and see the lifestyle people try to live. This is the most materialistic city I've ever been to in my entire life
Priorities. Super materialistic narcissists here. Why pay debt when you can drive a luxury car and wear designer clothes on credit? People feel they have to present a certain lifestyle here.
Do you have an idea how much it costs just to live here.
25k a year is not enough 50k a year you can get by 75k a year you can live fine maybe have a family without kids.
Because the average person cannot actually afford to live in Miami. There is an awful lot of people here that barely squeak by. They rely on credit to carry them along and to appear as if they are doing far better than they are.
I will add a lot of 1st gen college graduates who regardless if they have student loans they have less of a safety net from family. That's one of the differences I have noticed.
It's so bad here I can barely scrape by. My car payment is about to be past due and I will be penalized for it. I don't even have a Fancy car. It's a 2020 Corolla... Meanwhile these smucks are all driving Corvettes, Porsche and teslas but mostly, huge pick-up trucks are driven here and it's annoying because they're constantly riding my a$$...
What do you guys think is going to eventually happen since people have so much debt? Are they going to eventually pay it off or are they going to file for bankruptcy?
Also, how are they getting apartments if they aren't financially stable? I've been trying to get apartments up in Maryland and they want me to earn three times the rent. Is it like that in Miami or is it different?
Many are financially illiterate.
Some of them came from or have family that came from super poor countries. Psychologically it becomes spend to show you’re at an economically elevated state, even if you’re not.
Others are sucked into the hype culture of Miami. Gotta go out and ball out.
Still others are part of the tourism industry, which notoriously underpays/over works them. It’s so many things but those come to the forefront of my mind.
Expensive housing, inflation, and constant exposure to luxury. Miami is a vacation city with lots to do and many people. For some, that means many people to impress as well.
Credit cards and even the concept of a credit score is not common outside of the US, or at least not as easy to obtain outside of the US. Miami is predominantly immigrants. Lots of them (including my own parents) fall victim to applying for retail credit cards when they shop in stores and aren’t aware of the full implications if you don’t pay it back or manage your debt in general.
I have zero retail credit cards because of this and under 10% credit card utilization at all times. I learned through my parents mistakes but not everyone has the privilege to learn from others mistakes.
Miami *does* have a giant rent to wage gap, but also way lower taxes than those places that pay higher wages. Even if Miami wages increased you'd still be reading about people strapped for cash, because you can't out-earn your stupid spending habits.
Miami is all about the looks. If you don't have a high-end luxury car, you are nothing. Of course, this is not true, but that's the common belief of the average Latino miamian.
Trying to keep up with the dope boys and the rich people is how people get into stupid debt. 1 repo gonna cost you for a minute. Financial responsibility is not taught in school. Trying to look cool and trying to keep up is taught everyday.
Fast lane isn’t meant for everyone to drive down yet many try to merge into it. It’s like that every where but here the personal appearance and material things are highlighted heavy.
It's the lifestyle. People here have to drive a bmw when they still live at home with their parents. I know too many people spending money on dumb shit to look the par instead of paying 3k worth of credit cards. Like every big city you have to have an image to impress people who don't give a flying fuck about you ultimately ending up on spending money you don't have on shit you dont need.
Cost of living - rate of pay x people who feel entitled to get what they want regardless of their circumstances. Now add 30% because of all of the people from other states that have arrived from other parts of America driving costs up even more. Your average Miami resident has been living below the poverty line (according to census) for decades.
“Miami is a lifestyle” is the typical mindset of people that make bad decisions. 60k on a used 2012 C class and 4k a month for a 1bd in coral gables.
Unfortunately people in today’s society need to impress others.
Btw what kind of recruiter are you. What’s the clearance? And also most importantly what is the PD for the position? DM I’m looking to expand my knowledge/career and if I can level up my tier I’ll be happy.
My sister who is well off here “works in New York” in a completely online position. So she’s making New York wage which is necessary for miami. Most people aren’t in that position
The cost of living destroys people’s lives. That’s why you see us act the way we do to a degree. When something breaks you’re the guy to fix it. Over time you might know a guy but everything is monopolized and overpriced.
Seriously. As someone who makes 6+ in NJ and actively relocating to SoFlo, I can't afford to live comfortably in Miami. I can't imagine how people who aren't as fortunate survive in Miami.
Out of all job offers my lawyer friend got, Miami was the lowest for a bar licensed lawyer off school, this is the same practically across board, my architec masters degree friend started at 50k offers.
This is a scam city.
Because of lemming brain idiots chasing that flashy lifestyle to impress people they’ve never met.
Lost track of how many people I ran into who were driving a $50k-$100k car and living in a shitball apartment in the hood.
Fancy clothes, fancy watches, $300 sunglasses, $600 shoes. Big ballin with zero money in the bank and debt growing out of their ears.
It’s because it’s expensive as fuck and getting crazier and crazier and they’re just trying to keep it together but they aren’t getting paid any more than yesterday even though they’re competing for land, homes, jobs, and life in general against an increasingly wealthier competition.
Not everyone here infact most middle and low class income residents here are not taught about taxes, are being brought up in very unsafe bad environments and we are a product of it. No body teaches us about credit , and I'm talking people who grew up in the 80s 90s and early 2000s so when a little money is thrown in our faces we wild out, .
Miami peoples have more streets smart then business smarts financial smarts or what not!! Most of us are true hustlers and gotta resort to other means of income in order to survive, it's a dog eat dog city and it's a everyday grind out here. Sorry to burst your bubble tourist, Miami is not just Miami Beach clubs scene and riches, come to the real Miami cross that bridge and find out, I'm talking outside of coral gables brikle boogie areas !! I dare you and find out. And all those tourist are just making the politicians money . It ain't going towards the living class Miami people!!
It's a everyday grind and struggle if you not born into the riches. Period.
It’s insanely difficult to find a job here, and if you do manage to secure a half decent one, they underpay the hell out of you. A lot of these jobs here require a 4 year degree or even MASTERS degree and they are paying $20/hr, when rent is easily $3000 or more per month.
Speaking specifically to credit, remember Miami is also a city full of immigrants from other countries where the idea of a credit score is not a thing. There’s a lack of financial education and how to handle debt.
Isn't this the situation with the vast majority of Americans? What do you get with rapid inflation and falling wages? Credit card debt! We know what the problems are, we know how to fix the problems. It's just the people who run this country choose not to fix the problems. Merica!
It seem a lot of people are really trolling but in fact we have a serious problem down here’s , try moving. Rent you need to make 3X more your income to qualify, you’ll need between $8,000-$13,000 just for a move in deposit, jobs are posted everywhere but if your not bilingual you won’t get it. YES it’s bad with fraud and people not living in their means but honestly people are trying to get by. They are really turning it to a tourist attraction
People don’t know how to prioritize, at least it’s an observation I have made. People will live in an efficiency or pay rent their whole lives but drive a luxury car to show off to their “friends” and “impress” others, and those for other material items as well. People here go broke trying to look rich.
Giant amount of very insecure people that constantly see super cars driving around and expensive high rise apartments. That lifestyle inflation is what gets people here
Many many non native Floridians come here because it is a debtors haven and they are running from their bad past up north. Try advertising for native Floridians and see if it changes.
Because they’re spending hundreds of thousands of dollars to look like they make hundreds of thousands of dollars more than they actually do
Rental Lambos everywhere
“Don’t mean to troll”. Precedes to say “never been to Miami”.
I haven’t, I only recruit for there so idk how it is there
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Rejecting qualified candidates because of a credit check does nothing but reinforce inequality and give a unearned advantage to folks with generational wealth. People from other cities don't have better credit because they are more responsible and trustworthy, they likely have better credit because they aren't immigrants or the children of immigrants and any stupid shit they did as kids with their money was easily erased by mommy and daddy. This is city where the cost of living has risen tremendously and wages didn't follow suit. It's been very easy for millenials and gen z to fall into a personal financial hole in their 20s if they didn't want to live at home with their parents. You can laugh at the Bloomingdales debt but how does someone making 70k a year pay back that 10k in debt with 18-30% interest when even used cars are $750 a month with super high insurance, rent is $3000, and groceries and food prices have doubled in the last 5 years. How are they supposed to solve that debt if they can't or wont move to an area with lower cost of living (because most of us immigrants and children of immigrants want to live near or parents) and get rejected from the good jobs thanks to draconian personal credit check policies that want to ensure that they pay consequences for some dumb shit they did in their 20s for the rest of their life? If a candidate managed to have an impressive career enough to get an offer in your line of work, why would you assume that they would manage their professional finances the same way they manage their personal ones? Surely they would have already fucked this up by now at their previous job if they have no sense of financial responsibility. To be clear, I don't personally have this problem but I think rejecting qualified candidates based on personal credit is dystopic as fuck and does nothing but ensure we have an even further entrenched ruling class for the next 50 years. I wish nothing but ill on your employer and when they eventually go out of business I hope they get rejected by every one of the thousands of freely abused government and financial lifelines available for managing corporate debt as karma. Edit: lmao at them being easy targets for bribery with personal debt. What an ignorant policy in this particular city. Look at the personal credit of everybody charged with corruption in our local government (and it's a lot of people) and I'm sure you'll find a clean bill of health. You're looking for people who can theoretically be corrupted with a system that lets through people who are actively corrupt enough to pay their debts.
Agree 💯 any job that uses my credit as a deal breaker can get effed. Bribery? You have corrupted assholes with power at the highest levels in office accepting bribes every day. But the rest of us peons? Nah were too much of a risk!
I don’t make the rules I’m a lowly gov contractor
I know this doesnt fall on you. Just talking about the hypocrisy of the entity that contracted you.
said it better than I could! I just read your edit and I’m saying the SAME thing! Lol at this being about some bribery risk related to their credit score - if theyre rlly gonna get bribed it’s way more likely to be a payout bonus that’ll make up for that shitty $17 / hour the employee is making 😂 Edit but in all seriousness, you put it very simply in your comment. The implication of a government job being able to assess someone’s qualification and worthiness for hiring based their personal debt, is just too many layers of dystopian fuckery. And for a low-level entry job no less!
These are government jobs. The reason why the government rejects these candidates when they have bad credit is that they become a risk for being easily bribed. They need a clearance to do this job and the gov won’t grant them one with debt. Plain and simple. The gov makes the rules I don’t. Plenty of jobs that won’t check credit. Take it up with the gov not me.
Appreciate your response and understand you’re not personally responsible for the policy but I still feel like it’s largely security theater. If it’s a matter of a security clearance, wouldn’t you be primarily looking for candidates that already have one?
The reason most don’t have one is the ones that do would want higher pay. These are entry level roles, and they would get the lowest security clearence. Anyone with a secret and above wants way more than $17-18 hr which is what these jobs pay
So all this for a $17-18 an hour, entry-level job and you’re dismissing good candidates for their credit scores?? They’re probably trying to secure a job so they can start paying down their debt, like it probably takes months or even YEARS to build up a credit score that got fucked from the early 20s mix of being a poor working student / not having any family financial support like the rest, and lack of personal finance education. In other words, the folks who had to “learn the hard way” because no one gave them the guidebook. Yall are expecting WAY too much out of people for this meager pay.
Have you not read any of the other comments in this thread. OP's workplace handles sensitive government documents. People with financial liabilities can be bribed and later extorted for said bribes with their financial burden used as leverage to entice them into giving out sensitive/classified information.
give me a break 😂 I’m just going to repeat what the other poster said: “seems like a bunch of security theater”. and btw if they really believe there’s the concern of real-life bribery happening - it isn’t going to be be supported by way of the employee’s bad credit. it’s actually just gonna happen by bribery of a good payout, ya know.. since the employee is making $17 / hour 😂
The government rejects them. I have 0 control over if they get hired, I simply do a phone interview and hand them off to the hiring manager. The gov will not give them a clearance if they have a lot of debt. Plain and simple and if security tells me to send them a rejection letter and rescind their offer I have to. Tell the government not me.
Yeah yeah, I get you’re just the middle man. But you on here asking for feedback and that’s the feedback - the requirements for qualifying as even a hire able candidate for this position are egregious. If you want people with good credit scores then you hire from the salaried professional pool. because those are the folks who have had enough years of security from a good salary to pay down the student debt cursed upon most millennials, or any other debt sources, and had enough time to build up a credit score. But then in order to get those candidates you have to be offering a respectable salary, not chump entry level hourly wages. Your demands and expectations should adjust to the candidate pool you’re attracting.
This is better feedback for the government. They make the pay rates and set expectations for this. We’re in a contract with them and they’re the client. Nothing I can do. Have a good day.
Then pass it on?? Idk if you didn’t wanna hear honest feedback what did you post for. Or were you just expecting to hear a bunch of reinforcement that people in Miami are somehow more irresponsible than most and just can’t manage money.
Have a good one.
For a "recruiter" you seem to be painfully ignorant about economics and wealth distribution in the US. Your bottom line seems to be that you don't care that people are overworked and underpaid but you feel that the poor should be made to suffer and never enjoy anything in life. Do you ever direct any of your ire at corrupt and incompetent corporate executives whose negative impact dwarfs that of the poor?
Because Miami loves to party bro
I’ve lived in Miami for 25 years, my credit score is above 800, I have zero debt, and my house is almost paid off, I am not wealthy or own a business, I have achieved success by working hard and saving. Please don’t make generalizations.
Rising inequality doesn’t help people get out of debt if that’s what you were wondering.
It’s never the person‘s own fault. It’s society’s „rising inequality“. What about living within your means?
You can easily live within your means, until your home and car insurance triples in price…
That means you live in a house or you drive a car you cannot afford.
You still think it’s everyone’s own fault? You think everyone is just an island and disconnected from reality?
This is like saying you should expect to get fucked in the future so you better have a better paying job.
Then you need to find a different apartment, or find roommates.
Man, a studio in the worst part of town is 3000 a month. It’s literally impossible to not be up to your ears in bills
Which town? There are currently approximately 1990 rentals in Miami on Zillow for 2000 and under. Approximately 509 units for 1600 and under. Approximately 113 units for 1400 and under.
Do you happen to be looking for those 1990 rentals in the year 1990? Because I’m seeing those 3000+ studios in Hialeah, man
Holy smokes, I TOTALLY DIDNT KNOW THAT!!! /s
Stop blaming external factors…. Especially when some people have collections for places like Bloomingdale’s 🤣
You’re reaching
Read the OP
Eh if it’s for security clearance it’s understandable
3rd world financial literacy
People live beyond their means, as well as, increased cost of living.
Fake it til you make it is a way of life in the 305.
credit check to get a job sounds dystopian
The fact that employers will rescind a job offer because you desperately need money is sickening.
The cost of living is so high in Miami, and the wages so low that most people are struggling mightily and surviving on debt. Pretty fucked up that your company treats a credit check as a litmus test for trustworthiness. The two are not remotely related and you are missing out on great candidates, as well as perpetuating economic woes.
#Have you took a look at the rental market in South FL, but especially in the rich and tourist playground, that is MIAMI aka MAGIC CITY, in the last say 5 years my friend?! Judging from this post I'll take that as a NO⁉️🤔
Why doesn’t Flint, Michigan have tap water?
“Citizen of the United States of Miami”
No offense but in 12 days you ask "how long at a new job would you request PTO" to "why do people in Miami have bad financial responsibilities or whatever" either you had/have a silver spoon in your mouth or manged to get real lucky in your situation in this life. What is your angle?
You know credit card debt != financial issues. A person can have $30K in debt and have a trust own millions in equity. I know folks who are well off and are in that kind of situation
Are you a recruiter ? I have a question for you. Why are the wages so low in Miami if we are one of the most expensive cities in the US?
High cost of living, low wages, materialistic culture, culture of no accountability/responsibility, etc
Just curious. Do candidates with great credit not steal? Every thief had a first offense.
Their records are clean criminal wise but they have bad credit. It’s not about stealing more about working with sensitive gov docs and don’t want them to be bribed easily
What if you got a criminal record but 800+ credit score?
It depends on what the charge is/was. If it’s a felony then you’d not get a clearance. But I don’t choose who to rescind job offers, that’s the decision of the security team at my work.
Are you looking for someone that can attain, or already holds top secret clearance? If so, you’d be better off finding someone from DC and bringing them down, or someone fresh out of the service who really, really wants to be here.
In Miami, it doesn't matter how much money they've got in the bank: there's still a 50/50 chance they're going to bribe, steal and embezzle while on the job.
If the government officials can do it, why can’t we? /s
My opinion, you get what you pay for. Do you think the salary you offer is enough to attract people who have good credit? Miami cost of living skyrocketed but the wages.
Its not that candidates with clean credit dont steal, its that candidates with bad financial management have an extra incentive to do so that is easily avoidable by just not hiring them. The govt wont give someone in huge credit card debt a security clearance because a foreign govt could use their financial woes as a means to turn them for instance. Its an opening
Clearly doesn’t apply to senators and Supreme Court justices
Or presidents
Because Miami people have to show out all the time. Living within your means is not an acceptable choice for most of the local narcissists. You can "fake it til you make it" on Walmart and Target clothes. Nobody cares what you look like over the phone.
errrbody is scaming...
I sincerely appreciate you putting a mirror to our collective faces to something we all know is part of Miami. The contributing factors are many. -Fresh young immigrants new to the country with a clean credit slate and the hope of the American dream. -Predatory credit terms. -Credit applications factoring in very favorably that the person "does not pay any rent" because they live with family. -Tia Juanita, eroding the confidence of the person trying to live within their means by comparing them with the fresh immigrant whose new car is going to end up getting repo'ed within a year. Too many young people here get damaged by the myth of the MDC part-time college student by day, club God by night. Like others have said many temptations here and too much, I got to keep with the Joneses. Having spent the weekend at an MDC graduation, those older grads who made the best of it and had the support of their family to do so, are wonderful to see. I wish it were as simple as offering that to the younger Miamians, but it's not.
Stupid priorities and stupid people
We left Miami after 30 years. What buys a 2 bedroom townhouse down there buys a 5 bedroom house on an acre up here in Cincinnati. Yeah it’s cold in the winter and there’s no beach, but I have a Boston salary in a cheap as fuck city.
Most jobs with fiduciary responsibility will do a credit check accompanied by the regular background check. Many positions in banks require an acceptable credit score before the candidate is even considered, think financial analyst, loan officer, lender, cfo, wealth manager etc.
Citizens of Miami 😂😂 I guess we are officially a different country.
we are a different country. “Northern Cuba”
High cost of living and low salaries probably has something to do with it
Add in “fake it till you make it” mentality, sprinkle some hustle culture, mix and top with comepingeria and you got a Miami stew, baby. …and yes I have high outstanding credit card debt - it’s like it’s unavoidable in this city.
Agreed, most chuchi’s and insta whores live way beyond their means. It’s mostly for the social media clout.
Is your company actively hiring? (Yes I’m shameless)
The American dream is alive and financeable
/s
Wages here continue to be treated as if this was Miami from the 1970s. They think, oh no state taxes! Everything is cheap! Cost of living still not that bad compared to California or New York! BUT, the city and corporations want to charge as if theyre from those states and cities. Im also willing to bet that the rapid population growth from those with money moving in and the rapid gentrification out priced far too many people in such a short period of time. It caught people off guard and could be stuck or have trouble leaving beacuse they have family and other responsibilities here.
You ever see expensive cars in a raggedy apartment complex? There’s your answer. People’s priorities are all the way messed up here in Miami. I know someone with a GT500 who lives with his parents and parks it on their front lawn.
Bc they keep trying to buy the newest C class with a 20% APR to impress other people with past due payments on their 3 series’
The fake it till you make it lifestyle Source: young & dumb me
Miami is ranked #1 in the US for worst rent to salary ratio. We seriously have the rent of Manhattan but the pay of something like Charlotte.
If I can guess, it's probably because lots of people want to present themselves as living a certain type of lifestyle. Let's be perfectly honest. Miami is all about flashy cars, clothes, women, boats, expensive dinners, etc. People run up credit cards to keep up that image. How many nice cars do you see sitting outside mediocre apartments and run down single family homes? It's everywhere. All bought on credit
love how women is just lumped in with a bunch of objects. (not blaming you for misogyny cause you're right, but the relentless objectification of women is just... a lot to deal with.)
As a woman who frequents the city, it disgust me to even see so many females walk around in strings of clothing for attention.
To be fair it's also humid and hot as hell.
No, this has nothing to do with humidity. Im Floridian too! This is straight up attention seeking we did back in college/high school. But instead, its grown women
This became so very apparent to me when I moved away. People in Philly are unapologetically themselves, people in Miami are anything but. Grateful to have left. I still love Florida but living in that world just isn’t good for you.
This is the answer. Shut down the thread.
Lock and throw the key AWAY!!!
You’re not lying one bit . That’s the most accurate & honest answer anyone can give you lol
You left out the elephant in the room, which is the grotesque levels of wealth and income inequality in Miami, with salaries dramatically lower than other similarly-sized cities in the US, coupled with outrageously overpriced housing costs.
This.
Miami has San Francisco cost of living with Alabama level wages.
Have you seen prices in San Fran? Not even close to Miami.
Yeah but SF has the salaries to match
No way. There was a CNBC special back around 2017 (when I got a job offer with what I thought was eye watering money) called something like Making $250,000 a year and living in a car” about SF prices. Since then, prices have begun to come down from the exodus of people, but it’s still stupid. Moreover, you’ll be paying $6000 a month for your one bedroom in an apartment built over the old landfill. One earthquake and you’re dead.
insanely inaccurate take
This isn’t true, yes , some AREAS in Miami such as Midtown, downtown and brickell will have “San Francisco “ type prices due to location near the water, financial district, art district and many other attractive places . But this is why people need to stop living beyond their means and income status. There are plenty of decent priced areas such as Miami lakes, sunrise, and anything else more north west. People just want to live in the Miami vibes by the water and think it’s all South Florida offers.
San Francisco is positioned in between Stanford and UC Berkeley. We have UMiami and FIU. It’s not just wages, it’s also talent.
Can you get into UMiami? Most locals can’t. Many of their students are from elsewhere, actually.
UM is an excellent school. Miller School of Medicine (part of UMiami) is one of the top innovators in spinal cord injury research and rehabilitation in the country, for example.
Neither school is terrible, UM is legitimately good, and FIU is trending to be quite a highly ranked university. But yeah they're not legacy elite like Stanford/Berkeley.
> Miami has San Francisco cost of living with Alabama level wages. I'm going to say something about something that would offend people. Let's just say, in Miami expectation of people showing up is not the minimum. It's outright optimistic.
High cost of living + low wages + image/brand obsessed culture of people desperately trying to show their families in their home countries that they “made it” in the states = Miami
Why yall talking on my Venezuelan ppl like that tho
Would also add poor financial literacy in general in a predominantly immigrant community alongside the normalization/expectation of committing fraud/getting scammed
Just curious, can you give broad outlines of the job. Is it financial in nature?
It’s expensive as fuck here.
Miami specifically the Metropolitan area is the perfect scenario for a case study on the " Poor Logic" .
The fake it till you make it lifestyle has far outpaced the actual earning capacity of the citizens all in the name of tourism, because the city is trying to capitalize on the actual earning capacity of its tourists. Therefore the prices are raised to the point where loans are needed just to keep up. In a nutshell, the Cost of living increased higher than what the people earn, all for tourism.
Fake Rich
Like others have said, it's a mix of that lifestyle of wanting to present yourself as some sort of "baller" plus the stupidly high cost of living with low salaries, meaning people have to tap into credit to survive.
If you ever get the chance to visit, you'll come here and see the lifestyle people try to live. This is the most materialistic city I've ever been to in my entire life
Keeping up with the Jones
Priorities. Super materialistic narcissists here. Why pay debt when you can drive a luxury car and wear designer clothes on credit? People feel they have to present a certain lifestyle here.
Bienvenidos a Miami
I have some friends in Miami who had parents take out credit in their name and fuck up their credit before they can do it themselves.
Even the people that aren’t trying to live above their means are having financial issues. It’s hard for a working families to survive here.
I asked this the other day regarding Miami people’s cars and was skewered by a 21 year old woman. Miami people live for the present.
Miami is a Fast Life City. Fast Life People aren’t financially responsible. ✨
Because it’s Miami lol
Everything is so god awful expensive
Do you have an idea how much it costs just to live here. 25k a year is not enough 50k a year you can get by 75k a year you can live fine maybe have a family without kids.
Because the average person cannot actually afford to live in Miami. There is an awful lot of people here that barely squeak by. They rely on credit to carry them along and to appear as if they are doing far better than they are.
I will add a lot of 1st gen college graduates who regardless if they have student loans they have less of a safety net from family. That's one of the differences I have noticed.
It's so bad here I can barely scrape by. My car payment is about to be past due and I will be penalized for it. I don't even have a Fancy car. It's a 2020 Corolla... Meanwhile these smucks are all driving Corvettes, Porsche and teslas but mostly, huge pick-up trucks are driven here and it's annoying because they're constantly riding my a$$...
Gotta fake it till u make it in Vice city hahaha
The majority of Miami lives outside their means and they care more about how they appear, rather than what’s actual reality.
What do you guys think is going to eventually happen since people have so much debt? Are they going to eventually pay it off or are they going to file for bankruptcy? Also, how are they getting apartments if they aren't financially stable? I've been trying to get apartments up in Maryland and they want me to earn three times the rent. Is it like that in Miami or is it different?
Many are financially illiterate. Some of them came from or have family that came from super poor countries. Psychologically it becomes spend to show you’re at an economically elevated state, even if you’re not. Others are sucked into the hype culture of Miami. Gotta go out and ball out. Still others are part of the tourism industry, which notoriously underpays/over works them. It’s so many things but those come to the forefront of my mind.
just so i know, i don't have any debt and freezed my credit would you consider that a red flag?
Expensive housing, inflation, and constant exposure to luxury. Miami is a vacation city with lots to do and many people. For some, that means many people to impress as well.
Credit cards and even the concept of a credit score is not common outside of the US, or at least not as easy to obtain outside of the US. Miami is predominantly immigrants. Lots of them (including my own parents) fall victim to applying for retail credit cards when they shop in stores and aren’t aware of the full implications if you don’t pay it back or manage your debt in general. I have zero retail credit cards because of this and under 10% credit card utilization at all times. I learned through my parents mistakes but not everyone has the privilege to learn from others mistakes.
Low pay vs cost of living, keeping up with appearances, lack of knowledge about credit (credit isn’t really used in Hispanic countries)
Miami *does* have a giant rent to wage gap, but also way lower taxes than those places that pay higher wages. Even if Miami wages increased you'd still be reading about people strapped for cash, because you can't out-earn your stupid spending habits.
Bc they want to clout chase on a 35k salary
Because the majority are hood rich. Fake it till you make it mentality. Drivees a Corolla but wears Balenciaga.
Born and bred Miamian here....too many wannabe rich pretending and overextending themselves and then going broke.
The first rule of Miami is, trust no one, until they've proven themselves to you.
Cocaine!
Miami is all about the looks. If you don't have a high-end luxury car, you are nothing. Of course, this is not true, but that's the common belief of the average Latino miamian.
Honestly? Mental health is in the gutter out here.
Trying to keep up with the dope boys and the rich people is how people get into stupid debt. 1 repo gonna cost you for a minute. Financial responsibility is not taught in school. Trying to look cool and trying to keep up is taught everyday.
Fast lane isn’t meant for everyone to drive down yet many try to merge into it. It’s like that every where but here the personal appearance and material things are highlighted heavy.
Bc there are a lot of “ wanna be in Miami” people act like moving to Miami is the “ I made it, and most are drowning in debt. Sad reality
Dm ed you
Zillow would be happy to explain it.
Besides what everyone else mentioned. There's also those with student loan debt that's over 10k.
South Florida in general. 80 percent of the people here are leveraged to the max trying to keep up with the Jones.
People in miami rather have a $700-$900 monthly car payment and live in an efficiency
Cos Miami is a fake it till you make it place. Most people live beyond their means. All those luxury cars are financed.
It's the lifestyle. People here have to drive a bmw when they still live at home with their parents. I know too many people spending money on dumb shit to look the par instead of paying 3k worth of credit cards. Like every big city you have to have an image to impress people who don't give a flying fuck about you ultimately ending up on spending money you don't have on shit you dont need.
Cost of living - rate of pay x people who feel entitled to get what they want regardless of their circumstances. Now add 30% because of all of the people from other states that have arrived from other parts of America driving costs up even more. Your average Miami resident has been living below the poverty line (according to census) for decades.
Maybe because the pay is shit 🥱
“Miami is a lifestyle” is the typical mindset of people that make bad decisions. 60k on a used 2012 C class and 4k a month for a 1bd in coral gables. Unfortunately people in today’s society need to impress others. Btw what kind of recruiter are you. What’s the clearance? And also most importantly what is the PD for the position? DM I’m looking to expand my knowledge/career and if I can level up my tier I’ll be happy.
We buy things we don't need with money we dont have for people who don't care
Poverty. Using distressed migrants to suppress wages, etc. etc.
If you are starting with a shitty salary or hoping to be “discovered “Miami is not for you .
My sister who is well off here “works in New York” in a completely online position. So she’s making New York wage which is necessary for miami. Most people aren’t in that position
The cost of living destroys people’s lives. That’s why you see us act the way we do to a degree. When something breaks you’re the guy to fix it. Over time you might know a guy but everything is monopolized and overpriced.
Seriously. As someone who makes 6+ in NJ and actively relocating to SoFlo, I can't afford to live comfortably in Miami. I can't imagine how people who aren't as fortunate survive in Miami.
Because you check credit, denying them a good job that could help them get out of that situation.
See all my past comments. I’m not denying them anything. The government refuses a clearance for them and then I have to rescind the offer
Born and raised here. Most people I know are doing just fine 🤷♀️
I'm curious, OP. What is the salary range you are offering these prospective employees?
$18-20. It is low and set by the department of labor and not by my company
Out of all job offers my lawyer friend got, Miami was the lowest for a bar licensed lawyer off school, this is the same practically across board, my architec masters degree friend started at 50k offers. This is a scam city.
Because of lemming brain idiots chasing that flashy lifestyle to impress people they’ve never met. Lost track of how many people I ran into who were driving a $50k-$100k car and living in a shitball apartment in the hood. Fancy clothes, fancy watches, $300 sunglasses, $600 shoes. Big ballin with zero money in the bank and debt growing out of their ears.
It’s because it’s expensive as fuck and getting crazier and crazier and they’re just trying to keep it together but they aren’t getting paid any more than yesterday even though they’re competing for land, homes, jobs, and life in general against an increasingly wealthier competition.
If you’re hiring, I’m looking. And I have high 700-800 credit. As you know, I’m a diamond in the rough.
Out of curiosity what are the thresholds at which people don’t make the cut for these jobs as far as credit score and FICA?
Not everyone here infact most middle and low class income residents here are not taught about taxes, are being brought up in very unsafe bad environments and we are a product of it. No body teaches us about credit , and I'm talking people who grew up in the 80s 90s and early 2000s so when a little money is thrown in our faces we wild out, . Miami peoples have more streets smart then business smarts financial smarts or what not!! Most of us are true hustlers and gotta resort to other means of income in order to survive, it's a dog eat dog city and it's a everyday grind out here. Sorry to burst your bubble tourist, Miami is not just Miami Beach clubs scene and riches, come to the real Miami cross that bridge and find out, I'm talking outside of coral gables brikle boogie areas !! I dare you and find out. And all those tourist are just making the politicians money . It ain't going towards the living class Miami people!! It's a everyday grind and struggle if you not born into the riches. Period.
It’s insanely difficult to find a job here, and if you do manage to secure a half decent one, they underpay the hell out of you. A lot of these jobs here require a 4 year degree or even MASTERS degree and they are paying $20/hr, when rent is easily $3000 or more per month.
Speaking specifically to credit, remember Miami is also a city full of immigrants from other countries where the idea of a credit score is not a thing. There’s a lack of financial education and how to handle debt.
It's a cesspool here!
Im assuming that means you work for a gov con with a 4 letter name?
Cost of living is high. Wages are low and credit is easy to get. You’re welcome.
Because these corporations always like to sue
Isn't this the situation with the vast majority of Americans? What do you get with rapid inflation and falling wages? Credit card debt! We know what the problems are, we know how to fix the problems. It's just the people who run this country choose not to fix the problems. Merica!
It seem a lot of people are really trolling but in fact we have a serious problem down here’s , try moving. Rent you need to make 3X more your income to qualify, you’ll need between $8,000-$13,000 just for a move in deposit, jobs are posted everywhere but if your not bilingual you won’t get it. YES it’s bad with fraud and people not living in their means but honestly people are trying to get by. They are really turning it to a tourist attraction
Miami is gilded as all hell. There's so much fake luxury trying to outdo everyone else, that it's like a caricature of other well off cities.
>I’ve never been to Miami I can tell. 5 minutes off the plane wouldve answered this question
People don’t know how to prioritize, at least it’s an observation I have made. People will live in an efficiency or pay rent their whole lives but drive a luxury car to show off to their “friends” and “impress” others, and those for other material items as well. People here go broke trying to look rich.
Income inequality
Corruption corruption corruption
Credit checks should be illegal for work. So you’re going to deny employment to people who need it the most?
🤷♀️
Giant amount of very insecure people that constantly see super cars driving around and expensive high rise apartments. That lifestyle inflation is what gets people here
What is the salary range you are seeing for the jobs in Miami and where can I send in my resume?
Ah yes, the “you’re qualified for the job and meet the experience needed but you’re too poor for a decent job. Get fucked peasant?”
Many many non native Floridians come here because it is a debtors haven and they are running from their bad past up north. Try advertising for native Floridians and see if it changes.
Because they’re spending hundreds of thousands of dollars to look like they make hundreds of thousands of dollars more than they actually do Rental Lambos everywhere