How do you find a decent paying job when employers want you to have perfect credit?

Question

I had a bankruptcy in2005, but now I get job interviews that are very positive until they see my credit and then all of a sudden they are not interested. I have children to support, but I am only able to find jobs willing to pay 12-13/hour. I can't pay my bills on that income, and it is illegal to live in your car in the state of Illinois. I have an AS in Accounting and I am currently taking online courses for my BS.

I also am without a residence right now and no appartments will take me. My credit history up to about 6 months before the bankruptcy was very good - and I am in my 40's.

Any suggestions will be appreciated.

Answer 1

You can probably land a job with a smaller company they are less likely to check credit. Smaller landlords too are less likely to check credit. If they do you probably won't be offered the jobs. Bad credit is very hard as you have seen but if you can explain what happened to you and that before the bankruptcy you had done everything right and stayed out to debt but had a sudden major medical problem that cause the debt you could be ok. If you simply didn't live below your means so ran up consummer debt until you couldn't pay it the first time you were unemployed you probably shouldn't be in accounting.

Answer 2

Credit reports are like report cards when we were in school only rather then reporting on how good/bad we are doing in our studies they show how good/bad we are doing in managing our debt.

I am not trying to be mean here but you say you have a AS in accounting and are taking courses for your BS. This leads me to believe that you are applying for a job in this field.

Unless your BK was the result of medical reasons or divorce, the only other reason is bad money management.

Now put yourself in the employers position. They are looking for someone for accounting and you have a BK due to bad money management. Would you hire you if you were the employer?

As far as suggestions go, I have to agree with the first poster. Apply at smaller firms who most likely will not check your credit and you may have to consider working two jobs to make ends meet.

Answer 3

relies upon what the interest is i think. while you're in a job that contains or pertains to funds managing or finding out to purchase and advertising then yeah, a credit examine is particularly regularly occurring. i replaced into presently provided a job as a application developer for a pensions and insurance company and a credit examine replaced into area of the technique. The good judgment at the back of it quite is possibly partly the comparable by using fact the best judgment for giving a drugs examine - those with intense funds flow subjects are extra possibly to devote fraud.

Answer 4

Welcome to the new America, "the land of opportunity" ......aka the land of the poor and the rich..........the answer to your question is quite simple, you are a member of what's left of the rapidly shrinking middle class. Really, it all comes down to greed, power, and money; or in other words, politicians and special interest groups. The group of credit ranking consortiums now rank much higher than the IRS or Laws in relation to your life. If you have any doubt, just try and get a credit error erased/corrected. The answer......get two low paying jobs like the rest of us who used to be in the middle class.......I'm a college grad with a BS in Marketing and partially through my Masters (stopped w/4.0 avg. when I realized what was happening). Unless you have an "in" with someone in the company you are applying to, unfortunately you are about 98% out of luck. Welcome to the ever improving "Land of Opportunity".