Credit Scores, Criminal Background Checks and Hiding the Bad Apples

Truth:

My view is actually that criminals face too many post-crime impediments to reintegrating themselves within the workforce.  Private incentives not to take a risk on an ex-con do not cohere with social incentives to reintegrate workers into society and thus we get too little hiring of ex-cons.  As a result, ex-cons face a low opportunity cost of recidivism.