Are you basically screwed getting a job without a credit rating?

[blues90]

I just want honest imput and what people know and have experienced dealing with this subject .

[youngdem]

1. Not at all....Most jobs don't check credit

Some in financial services and such do because they want someone who is financially responsible in the job, and some companies who deal with security clearances also check because they want to make sure you don't REALLY need some money and are therefore more easily compromised.

But generally, no. I would NEVER apply with a company that asked for it. Not their business. All they need to know about my credit is that I am broke because I need a job.

[Forkboy]

13. I've filled out over two hundred applications in the last year or so.

Three quarters of them check credit history.Doesn't matter if it's driving a truck,pumping gas or sweeping a floor.

[spotbird]

2. not all employers check it

My bro-in-law got a job after the company's first choice wasn't given an offer due to poor credit. I don't know how common it is.

[supernova]

3. I haven't had anyone say they

were doing a credit check on me, and I'm in IT. I have had background checks though.

[hack89]

4. No - its a bad credit rating they are concerned with. nt

[blues90]

5. I have been trying to figure out why I can't get a job

I have 33 year experience at ford motor dealers in the service dept , last I was a service writer . I have put in apps at all dealerships within my entire area , not just ford but all makes .

It's been over a year now and nothing but one fair shot but they decided to promote within .

I know american car dealers are all in trouble but I have tried all others and nothing .

I don;t have a credit history at all and I have no criminal history at all ever and have no late rent or evictions , lived in the same apt since 1982 .

I live in Hollywood CA . Most times I am not even called back and my work history is good other than the gap of this 14 months and this was not a gap until now since I could find no job . I stay at jobs , last was 12 years .

Perhaps it's being 57 that is the barrier , if I don;t get a call back I have no way to know why I did not get the jobs , I have called back to them and asked and they say they had many applicants .

I don;t know what's next , what a rope and beam ? I am running out of money fast and the life on the street is not something I can deal with , really can't . I have my wife and she can't work . She gets SSI and I ended up on SDI because of resent break down , we will loose her credit rating and cannot afford Bank rupt issues .

[youngdem]

6. The auto market is hurting as you know

Insurance adjusting sounds right up your alley. You can also do independent adjusting if you don't want to work for an insurance company or you can work for a contractor that needs an estimator or pricer. Automotive insurance adjusters are always in demand.

Pays decently too ($35-65K with benefits). Some insurance companies even pay a percentage of written damage to the adjuster (how stupid is that).

Best wishes and best of luck in your search.

[spotbird]

8. Great idea! nt

[spotbird]

7. Wow

I'm so sorry.

Have you tried other sales jobs? I know that's obvious, but it's all I can come up with. I doubt troubled credit history is the problem.

Another thought would be places that honestly don't discriminate due to age, like local government or some charitable organizations. It may only be an entry level job, but it would give you benefits.

It is time for you to reach out for help. The local United Way likely has a hotline which could refer you to local job and more generalized counseling services. I'd start there.

Good luck. Really.

[blues90]

9. I have gone to vocation rehab

This was part of my shrinks requirement to stay on SDI even there when I spoke to a counsuler she said jobs are difficult to come by and at the introduction to the program which took three weeks to get an appointment there were alot of people all looking for work .

It just does not look to hopeful and I am completely lost as what route to take next , I really am .

I am a salesman at all , I have not the happy outgoing sales type of motivation needed and car sales is way down now , car salesman come and go at the places I'ver worked where you never knew their names .

[Greyhound]

11. Man, so sorry to hear your situation. You live in my old neighborhood

so I might be a little more familiar with the environment you're in. I think the issue is probably what you speculated, you're 57 and ageism is rampant in the "land of the lotus eaters".

Try this, redo your resume to just show your last position. You said you had that job for 12 years which is more than enough experience to qualify you, but doesn't indicate your age. If suddenly you're getting callbacks, at least you know the reason, though I'm not sure it will help when you show up for the interview.

Another thing, I know it's a mother of a commute, but have you tried Tuttle-Click? They were always a pretty straight company and they have about half a dozen dealerships so your experience should fit somewhere.

Good luck to you and to us all.

[meldroc]

10. Most employers don't care.

Sure some do, there are employers like banks and such where you're handling a lot of money - they have a reason to care, because an employee with crappy credit and a huge amount of bad debt is more likely to steal. There's also the defense contractors and such that handle classified information, that put you through getting a security clearance. Trust me, the credit check is only the beginning of what they put you through for those jobs - they'll have FBI agents calling your elementary school teachers and your ministers/priests/rabbis/etc. at your place of worship. They crawl up your ass with a microscope checking you out. I know a few friends who've gone through that process. I refuse to go through the process of getting a security clearance - I don't like having my life probed in such insane detail.

But I've personally got jobs at places where they have checked my credit, and I know my credit's somewhat shitty. Most employers don't care - as long as the credit report doesn't show you're blatantly lying about your credentials, they don't care if you have a couple black marks. As for the ones that do, do you really want to work for someone like that?

[Forkboy]

14. "As for the ones that do, do you really want to work for someone like that?"

People can't always afford to make that choice.A job is a job is a job.If you need to feed yourself or a family you can't afford to turn down a job because the boss seems like an ass.

[EstimatedProphet]

12. It can be tough, depending

For example, I was unemployed until recently and did have a couple jobs check my credit rating.

[Forkboy]

15. My credit would improve if they'd hire me.

If my credit was good I could get a job.If I could get a job my credit would be good.If my credit was good I could get a job.If I could get a job my credit would be good.

It's fun looking for work!

[bigwillq]

16. I think it's bullshit how jobs check your credit

I understand some of the reasons behind it but how the hell do they expect people to get out of debt if they can't find a decent job? :mad:

[judaspriestess]

17. I had a real hard time finding a job after an issue came up

on my credit and being laid off from my job all in the same month. My credit was stellar before the clusterfuck happened and now I'm in recovery mode as far as my credit.

The problem is, companies are running credit and the people evaluating probably don't have the proper training to make a decision based on credit. Mine for example was perfect, no collections, lates, refi'd my mortgage, had two cars paid for, 40K in credit card lines but whomever is looking at your credit is not looking at the HISTORY. just a SNAPSHOT of the moment and that is where the flaw is coming in.

If people are going to be judged on credit they need to be judged on their entire credit history and the patterns they have established. Those are the revealing factors into someones "character". That's what mortgage companies do, thats why you have underwriters evaluating everything, not some bozo who has no clue what they are doing. I finally got a guy who looked at my credit and told me he had no issue with it because he could tell something drastic had happened but my history was perfect and what I explained to him had happened made sense, well cause it did. But because of everyone running credit it took me months to find something and it forced me into a BK, I'm ok with it though, it was the best thing for me to do personally.

Its just another way of companies not paying people a proper wage.