TakingNoMore Posted January 29, 2005 Report Share Posted January 29, 2005 and it sucks because the job pays well and all I have left to start working is the background and credit check.I really want this job, I'm an honest person, but I have a question about ethics here.Should I just dispute everything on my reports right away so the negs. don't show up? Or does that even work? Or should I even being doing this at all.I'm bummed. Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted January 29, 2005 Report Share Posted January 29, 2005 I've seen this question on here before. Do a search with keywords: job, (employment?) credit check.If my memory serves me well, these are more like criminal bckgrd than credit. It's true they have access to your CR, but chances are, they don't even know what most of it means.As long as your address matches and you don't owe a large judement or something, how can they count your old negs against you? I wouldn't worry about it.If you dont get the job, I would ask them out of courtesy to you to explain the factors that caused you to be declined. Say you want to improve for the next interview through that process.Good luck bud, I'd say you're in, but I guess ya never know God's will til it happens right?JT Link to comment Share on other sites More sharing options...
bigdaddyroy Posted January 29, 2005 Report Share Posted January 29, 2005 JT, Good Info. Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 29, 2005 Report Share Posted January 29, 2005 i got turned down for over 15 jobs because of my credit. one of them was a good paying government job. the government job told me to fix my credit and pay consistently for 12 months and call them back, but i had no money to attempt to do anything like that.my current job checked my credit but since i was already trained in the field, and knew people in the company, they didn't care about it. Link to comment Share on other sites More sharing options...
wunderwoman Posted January 29, 2005 Report Share Posted January 29, 2005 I guess you must work in a financial position? Or a position securing money? Those would really be the only factors from my experience for a decline based on your credit rating. You should try to contact the bureau of labor statistics to find out what things go into consideration in regards to your credit report for your position.You can also go ahead and continue to clear your credit. Once your credit is cleared up you can require that the CRAs send a copy to the places where you applied for employment. When a position opens up, they would probably consider you. Link to comment Share on other sites More sharing options...
itsgettingbetter Posted January 29, 2005 Report Share Posted January 29, 2005 A lot of companies are doing a credit check now (even if credit has nothing to do with your position).I was turned down for a very high level position at Proctor and Gamble because of my credit check. (the position had nothing to do with finances whatsoever, I was going to work in new product development).So--it just depends on the policies of the company.It is becoming more and more typical for companies to do them--but usually they do not count your credit against you unless you will be dealing with money--OR the position is highly competitive and they need a way to weed out some people.I was disappointed about the position I lost--but there will be others to come along. Stuff happens and we cannot control everything. (Although we should be advocating that employers can not do this!) Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted January 29, 2005 Report Share Posted January 29, 2005 To Takingnomore: Accentuate the positive . . . let us know how it goes.JT Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 30, 2005 Report Share Posted January 30, 2005 I guess you must work in a financial position? Or a position securing money? Those would really be the only factors from my experience for a decline based on your credit rating. You should try to contact the bureau of labor statistics to find out what things go into consideration in regards to your credit report for your position.You can also go ahead and continue to clear your credit. Once your credit is cleared up you can require that the CRAs send a copy to the places where you applied for employment. When a position opens up, they would probably consider you.no, the positions i applied for had nothing to do with money. it's in the publishing and writing field. i also applied in libraries and most of those are government, so they did a credit check. even admistrative assistant jobs i applied for did a credit check. Link to comment Share on other sites More sharing options...
J_Snow Posted January 30, 2005 Report Share Posted January 30, 2005 If you are denied employment because of a credit check you are entitled to know what report they pulled and get a free copy of it from the CRA. Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted January 30, 2005 Report Share Posted January 30, 2005 Tourniquet, to be denied from over 15 jobs, the factor was more than just your CR.Also, it costs near to nothing to repair your own credit. Any old timer here can attest to that.Like I said: "Accentuate the positive, let us know how it goes" oh, and thanks to wolf, in the event of a turndown, get a free report and the reason why.PEACEjt Link to comment Share on other sites More sharing options...
Tourniquet416 Posted January 31, 2005 Report Share Posted January 31, 2005 no, that was the reason they gave me. i had to take tests for most of the editing positions and i always passed them. i live in DC and they all check your credit report. Link to comment Share on other sites More sharing options...
Guest jeeptravel Posted January 31, 2005 Report Share Posted January 31, 2005 Then I feel really sorry for you. It took me 5 interviews before I found the right fit in a teaching job. To go through over 15 interviews must have been demoralizing for you.Glad to hear you finally found an employer willing to overlook your CR.I appreiate you trying to help job-seekers learn the ropes here on this board.BestJT Link to comment Share on other sites More sharing options...
creditcardcory Posted January 31, 2005 Report Share Posted January 31, 2005 Spend 10% of your time fixing your credit. Spend 90% of your time learning how to interview. If you add value to a company they are not going to turn you down. Remember, tell the company how you will make and/or save them money. If you can't, you need some help. Get the book by Jeffrey Fox- "Don't Send a Resume".My point - Fixing your credit and finding a job are two seperate issues. Do not let them merge.Good luck.Cory Link to comment Share on other sites More sharing options...
Recommended Posts