 I need a cell phone provider that doesn't mind bad credit? |
| my credit is not good but i would like a cell phne with out having to pay a deposit but i dont want prepaid. is there a cell phone company that will offer me a contract with poor ... |
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 Can my credit ruin my Fiances credit when we get married? |
| I have really bad credit right now that I'm taking care of. But in the meantime, I would like to get married in like 2 years, but we are afraid if we do it will ruin my fiances credit.... |
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 Why do they bother? :-(? |
| My credit got very bad a couple of years ago after I went >$10K in CC debt. I have been busting my can to fix it, and it's better but not perfect. (My credit scores are between 603-650, ... |
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 What should I do, I accidentially bounced a check? |
| I wrote a check to my job that I found out today was returned nsf. I accidentially grabbed the wrong check book and thought I had written it out of another account, it was an honest mistake and I ... |
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 Bad Credit-Home Loan? |
| I have a 495 credit score and just had a recent divorce and still living with my husband. I am staying with him to save money however I want to get my own home and its seems not to be possible ... |
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 Lookin to get credit?? |
i have no credit. i'm lookin to get some good credit. i'm really iffy about credit cards well the damn things scare me. Whats the best way to get credit?? thanx
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 I am unable to make my minimum credit card payment. Before signing up for a debt settlement program, should I? |
| talk to the bank about this situation? Do banks lower the balance and work with a customer in trouble, to help resolve this problem?... |
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 DESPERATELY need a loan shark. I know all the stories but MUST do something NOW? |
REALLY IN TROUBLE. Someone please help me.......
Additional Details
Tried all the online bad credit loans and got alot of denials as well as junk offerings. Even had a few call saying ... |
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 19yr old army lad needs loan or finance for car? |
| 19yr old been in army three and half yrs no credit who can he ... |
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 A creditor said I had to pay $450/month on a debt I was behind in.I can pay $225/month.Can they sue? |
| I live in Tennessee. I have corresponded with them from the beginning and have told them that now I can pay the $225 I was paying before I had problems. I have paid payments of $500 once and $450 ... |
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 How can I have a good credit score? |
How many credit cards are recommended to have open?
How often should I use them?
What can I do to increase my points?
Can you give me some tips on how to maintain a good credit?
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 When I apply for credit cards, do I use my old address or my current one? |
I didn't know which one to use or will they send it to my old address
Additional Details
I don't want them sending it to my old address because my ex lives ... |
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 What happens when you get rejected by a credit card company? |
| I heard it makes it makes your credit bad. i dont have any credit and have been trying to get a credit card and i got rejected a couple of times does that make my credit look worse?... |
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Jessica G | Why do employers do a credit check? |
I recently applied at fortunoff, and got to the second level of the interview, which was called an integrity interview, the lady said she will do a credit and background check, my credit isn't all that great, its around the 500, will this affect my chances of getting the job? |
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shiprepairwoman
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It might show you are irresponsible and you don't honor your committments. It also might be a indicator of carelessness. If they check they probably won't offer you the job unless you are just starting so are low with no negative items. |
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young granny
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A lot of employers do credit checks now it show how responsible you are. I may effect the interview but it may not. I know employers have been doing background checks for years because I'm a manager. The company there using for the background might also do a credit check as part of there service.
If they tell you that's the reason why you didn't get the job which is discrimination they will say someone else had more experience or something. But since you know it's low explain yourself if you got into a issue and got behind be honest a lot times this helps. Everyone gets in jam more then once in there life. Good Luck |
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rekh
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You can visit www.cashguru.info and find very useful tips and several articles on credit related matters. |
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mamanana9
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personally i dont think they should,some ppl have low credit scores because of things beyond there control like medical,company size downs any number of reasons,just because you have a low credit score dont mean your gonna rip anyone off as a couple have hinted at in answering this question. |
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boom
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Employers who check the credit of job applicants believe that applicants who meet their credit obligations are most likely to be conscientious employees who meet their obligations to their employers.
some employers dont do credit checks |
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jayveeyoung
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They do it as part of a character reference these days. Same for car insurance as there are statistical correlations with lower credit and bad driving apparently. My credit isn't superb due to some personal issues--it got questioned only once and my explanation is a good one and it has never been a problem otherwise. If they deny you the position, you can ask why and if that is the issue, explain everything. It is probably better for them to see your honesty or the reason behind it than throw away a perfectly good candidate in this job market.
Good luck! |
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SPIFIMAN1
 |
Credit reports are a lot like report cards when we were in school.
Only instead of showing how good or bad we are doing in our studies, they show how good or bad we are doing with managing our debts. As well as public records like bankruptcy's, judgments, collections, law suits and tax liens.
People are creatures of habit. We tend to do the same things over and over and expect the results to somehow be different. (The definition of insanity).
If a potential employer looks at someones credit and sees that they have not been responsible with their personal debts, they will be inclined to think that they will not be responsible with their professional lives either. |
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Leah
 |
where i work (financial services), it's a given.
When I applied for my job, my bankruptcy had just been discharged for about 7 months. I told the interviewer the circumstances of the bankruptcy (divorce) and they were fine with it... I got the job, and have been there 7 years. |
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OC1999
 |
Basically it is as the interview was called..the integrity interview. In a lot of lines of work such as Finance or Retail they don't want someone who is a credit risk. If someone owes money, they might feel that that person would be more open to stealing from the company to fix their situation.
Hopefully you know why your score is that low. If it is because of a lot of unpaid bills that are still unpaid that could be a big red flag. If it is something like you just declared bankrutpcy, you actaully have no debts so they might want to know more detail on the reasons why.
Since you know it is low, you could explain to them in advance that you have a bad credit report and be honest with them as to the reasons why. If they are going to decline you, they will do that anyways. However, if you tell them in advance they may cut you more slack. |
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Derail
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Shipwoman is right. Credit history reflects responsibility. More insurance companies are using it to adjust rates for individuals too. |
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meandnadine
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A lot of employers are starting to do credit checks and background checks especially if you will be handling money.
Employers figure that if you can't handle your own finances then you can't handle theirs either. |
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Tim
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I haven't heard of this but if you are in a financial job, it kind of makes sense.
Those that have bad credit scores are deemed to be more likely to be dishonest to find the "easy money". |
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rlloydevans
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Good credit is generally considerd a sign of a person who is responsible, honest, organized and effective in their actions.
Bad credit is generally considered a symptom of someone who is unreliable, morally lazy, disorganized or inept. |
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