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Federal General Prison Talk, Introductions & Chit Chat Topics & Discussions relating to the Federal Prison & the Criminal Justice System that do not fit into any other Federal sub-forum category. Please feel free to also introduce yourself to other members in the state and talk about whatever topics come to mind that may not have anything to do with prison.

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  #1  
Old 06-04-2004, 07:48 PM
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sassysis sassysis is offline
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Thumbs down Supervised Release-No Applying for Credit

I wonder who was the confused person that thought of this idea!

While on supervised release, you are not allowed to apply for any credit or loans. Also, they pull a credit report on you each month to make sure you are not applying for anything.

Hello! What difference does it make if someone opens a new credit account? Maybe they can use that loan to pay off their restitution. Or finance a car to get back & forth to work to be able to pay restitution. Maybe they need a credit card to buy work clothes to wear to work. They think that having any new debt like a credit card will prevent you from paying restitution. I doubt that! Financing is a way of life. It's none of their business.

Actually, if someone has to spend money all at once to pay for a car or suits or struggle to save up enough cash, that would most likely create a bigger problem.

I feel this supervised release condition needs to be abolished. There is really no need for our credit reports to be viewed each month and there should not be a restriction on applying for credit. This is very unfair. They should not have control over our credit reports and financing. We have a right to privacy. This is going too far.

No one should have to wait 3-5 years to be able to apply for credit. Some ex-offenders may need to establish credit to buy a home or start a business and live a productive life. Wish there was a bill to abolish this policy!!

Why do they have to make it so difficult for you to get back on your feet. It's bad enough you already have to struggle with a felony.

We are human! We are not perfect! We make mistakes! Where is the forgiveness?
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  #2  
Old 06-04-2004, 08:00 PM
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This is interesting....I never knew this.


What about searching for a place to live, they often check credit reports, how would taht alone affect someone who is trying to start over after years of being incarcerated?
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Old 06-04-2004, 08:17 PM
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I never heard of this either...what if an inmate never lost their credit, and comes home with open accounts?
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Old 06-04-2004, 10:07 PM
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It depends on the nature of your offense. I am able to apply for loans and credit. I only have to report any purchase over $500.
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Old 06-05-2004, 09:01 AM
BillnDenise BillnDenise is offline
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I wonder if this would apply to my Sweetie as well....However, his fine is already paid and he wasn't ordered to pay any restitution...
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Old 06-05-2004, 09:41 AM
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It must be ordered, you would know if you have this restriction...my hubby cannot apply for any new credit, unless to refinance our house and we would have to prove that it would allow him to pay more for restitution by lowering our house payment. Otherwise no new credit. That does not however prevent him from using existing credit cards that he may have.
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Old 06-05-2004, 02:24 PM
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This is a condition of my Supervision as well. They check it thoroughly. I can open a new line of credit if I get permission from my PO. They look to see of there are any new inquiries on my credit report, and ask me about the ones that are there. After 6 or 7 months of "US DEPT OF JUSTICE" inquiries on your report, anyone you ask for credit is a little gunshy. It's a hassle, but you get used to it.

EF
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Old 06-05-2004, 03:22 PM
sbrown110 sbrown110 is offline
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Personally I think this is another form of punishment. It really prevents a person from starting to re-build their life until supervised release is over. And I imagine it will make working that much more difficult if one cannot purchase a car.

To Eagles Fan - have you ever actually been granted permission to take out a loan or purchase anything on credit???

Thanks,
Sheryl
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Old 06-06-2004, 05:44 PM
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John B. Webster John B. Webster is offline
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I think it says that ou cant apply for credit without your PO's permission. I believe the purpose is to ensure that you pay your fines/restitiution.
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Old 06-08-2004, 10:41 PM
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I too believe this is another form of punishment. It can truly have an interference with one getting their life together. This condition is wrong!

What if the IRS starts using this condition and they start restricting people from applying for new credit & loans because of past due and back taxes, and threaten to add more penalties if you don't obey. Who would allow it? Just because someone has been convicted of a crime and has to pay a fine or restitution, doesn't mean they should be treated any different. You can't enforce restitution payments by restricting people from applying for credit and loans! That doesn't sound like freedom at all...

If one was trying to seek a place to live, it might take 5 or more different credit checks until their application is accepted by a landlord. This person would then have to explain each and every inquiry to a supervised release worker who should be focused on other things instead of loans & credit reports.
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Old 06-09-2004, 04:36 AM
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Just another way for them to humiliate & degrate you.
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