Being hired as a cop with this credit?

Question

what if i have bad credit and call the creditors i owe to clear my credit if i pay them in full or most likely half the money like make a deal with them? think i could still be hired as a cop or a corrections officer in ca. I am 32 and messed up my credit in my 20's cause i was immature but i changed what do you think all.

And what i mean about in my 20's is i messed up with my credit and have not since then did anything to it as far as got new credit i just left in alone. However i have stuff on there that is five years ago and plus. And i want to pay this stuff off but it is hard with not to good paying jobs around, that is why i need to find a good Law enforcement job.

And if i clean my credit up does it have to be all clean or half clean to be able to get hired?

Answer 1

http://creditinfocenter.com/rebuild/statuteLimitations.shtml

SOL - statute of limitations
State: CA
Oral: 2
Written: 4
Promissory: 4
Open-ended Accounts: 4


Let me add a little more:
The SOL doesn't remove the entry from your credit report but you obligation to pay after the legal SOL has past is no more. This is why so many companies try to get any payment out of you after a while because it resets the clock on the SOL. The entry on your credit report will stay for 7 1/2 years. I would suggest learning more about the SOL and how credit works before making a final decission.

Answer 2

Well figuring your credit report is nothing but negative, I do not think it will help. People say that it only stays on your redit reoprt for ? amount of time. It only stays hi-lighted on there for that time. I found stuff more than 15 years old still on mine but not to be counted. Who cares if it is counted or not, it is seen and people judge by what they see. If you have bad credit, first you will need to clear it up and then petition all 3 credit companies to remove all questionable, no relevant, or paid in full accounts. Note that this process takes months to a year or two depending on the companies. Most companies only report to the credit companies once every month. prepare to tolerate all the negative red tape you can imagine. When you are turned from a person into a number, that is how people treat you. Like a number!

http://www.sarcasticgazette.com

Answer 3

If you chanced and it was 12 years ago, why are you wanting to call them and clear it up.
If you changed it should have been cleared up.
I think you should pay your bill not matter if they hire you or not.
If you had really changed then you would not have to ask this question.
Do it and do it now so that if and when this chance comes up in the future you wont have to worry about it.
The credit check will reveal your recent payoffs and it might raise more questions (ie "how did you get this lump sum of money")
and can you live within your means (so you cant be bribed)
I dont know what weight is placed on your credit rating in Ca but in ILLINOIS you would NOT be hired
better luck to you in ca

Answer 4

Please give more information about the 12 years ago.
People have an idea that stuff automatically drops off of your credit report in 10 years and this is only partly true.
It drops off 10 years from the last entry on the report.
SO if you have a cleaver creditor, he can keep placing stuff on there to keep the account active.....
In sceneario two
If the creditors stopped making entries on your report 5 years ago, if you contact them and make a payment, your ten years starts over again from this date.
So not sure where you need to go from here
but start by pulling your report
If there are tiny 100, 200 buck items, pay them
to keep the stress you feel from ever happening again

Answer 5

Having very undesirable credit can harm your possibilities of having a police officer activity. Having very undesirable credit and particularly some debt is worse. even with the undeniable fact that, the explanation(s) why you have very undesirable credit and debt could be seen. Your particularly credit is plenty much less substantial than your credit history. Do what you may to enhance your credit. Getting police officer jobs is turning out to be further and extra aggressive. Any purple flags can harm your possibilities of having employed by utilising some departments.

Answer 6

Try to get it cleared up, but 12 years ago shouldn't be that big of a deal. When you go through your background, just be honest about it. Tell your investigator that it was 12 years ago, you WERE immature, and show that you have spent the last decade being responsible and repairing your credit.

Answer 7

I think each city has their own requirements, and then the state would have theirs, for state troopers. I wouldn't get my hopes up, credit check is a big deal for any employer nowadays. But after 12 years, are you sure that stuff even shows up on your credit reports any more?

Answer 8

I dont think your credit has anything to do with being hired as a cop.
They mostly look at your age, how fit you are, must have a valid drivers license and most states require you have a high school diploma. Moslty they dont want you to have a bad record such as felony convitions and things like that. And obviously you have to be a
U.S. citizen.

Answer 9

If it was 12 years ago don't worry about it! Less than 10yrs is on your credit reports. Any mistakes on it correct them first before applying, or clean it up. It is a hiring factor.

Answer 10

Most agencies will do a backround check on you. Your credit score is one of the things they do check. Paid up accounts, even on past due ones, count more than just a score. During your interview that credit score might well be one of the things they ask you about.