I have been on the mortgage business for 5 years and I am very good at my work, however, there is a job that they are opening for me but I am scared to tell them what they will PROBABLY find out anyways,.... I dont have good credit,.... my husband lost his job and I have been late on a credit card and my home mortgage.
I really want the job as a Production Manager..... does anyone have any suggestions? Will Bank Of America check my credit report and deny me a job? As a mortgage professional I dont work with REAL money. Escrow handles all the money wires. PLEASE HELP ME.. :(
2007-12-13 16:12:02 · 10 answers · asked by Justme 2 in Business & Finance ➔ Careers & Employment ➔ Other - Careers & Employment
I don't know about Bank of America, but when I applied to work at Countrywide they did a credit check and a background check. I would probably not tell them and hope they don't check or don't check until they've already hired you. It's up to you though.
2007-12-13 16:16:10 · answer #1 · answered by Anonymous · 0⤊ 1⤋
Did they ask you how your credit is? Was good credit one of the requirements for the position? If they asked, tell the truth. Never lie on an application, because if they find out you did, you will most likely be terminated. If the answer is no to the above questions, then you are not required to tell them. However if they have disclosed that part of the application process is a credit check, you will want to talk with them openly about your situation. It may or may not be a deal breaker. If you're up front with them they may have some flexibility, especially if they have already decided they want to hire you. Good Luck
2007-12-13 16:37:26 · answer #2 · answered by cwald888 3 · 0⤊ 0⤋
There is no best bank, best credit union, or best bank account. You need to look at the totality of the bank’s or credit union’s services, accounts, and fees. Every bank and credit union offers several accounts with different features and different fees. Some banks and credit unions may have low overdraft fees, but high fees in other areas. Some accounts waive all fees if you maintain a minimum balance. The minimum balance varies from institution to institution. Other accounts have a monthly fee, but no fee on each transaction. Other accounts have no monthly fee, but a fee for each transaction. All institutions are required to print a schedule of fees. ►Read each schedule carefully, especially the small print and the footnotes. ◄ Some banks have a large number of ATMs which you can use without a charge. Other banks have a charge for ATMs. I suggest that you visit several banks and credit unions and speak to the customer service personnel. Bring a written list of questions which are important to YOU. Find out the features and charges of each of their accounts. Find out how many ATMs are available, and whether there is a service charge for using the ATM. Make sure you get everything in writing. Do not accept anything the customer service person tells you verbally.
2016-05-23 11:59:50 · answer #3 · answered by ? 3 · 0⤊ 0⤋
My friend had recently applied to Bank of America, she asked them if they do a credit check. They said no, they just do a back ground check and that's about it. So I think you re safe. And a couple of late payments doesn't really affect your credit that much.
Good luck..
I hope u get the job
2007-12-13 16:38:01 · answer #4 · answered by Answer2urquestion 1 · 0⤊ 0⤋
Bank of America isn't in a stable condition but then the majority of lenders aren't....but being late on anything; especially your mortgage does have a major impact on your credit file. I believe you have to sign permission anyway to pull your credit if that is their hiring procedure. Did they already offer you the job or are you in the preliminary stages of hire? If they offered you the job and gave you a start date, then it would appear you have a clear to go...so go for it and best of luck!
2007-12-13 18:50:08 · answer #5 · answered by dkrg04 2 · 0⤊ 1⤋
Just hope for the best if they hire you this is great nothing to worry about,so keep your head up. I know my sister in law have bad credit and this bank still hire her. My other sister in law work for an insurance company they too hire her with bad credit it depend on the bank and the company.
My pray is with you
2007-12-14 01:53:01 · answer #6 · answered by Linda 7 · 0⤊ 0⤋
They will do a credit check, no doubt about that. But it's up to them if they choose to hire you or not based on your credit report.
2007-12-13 16:20:51 · answer #7 · answered by xoxo 6 · 0⤊ 0⤋
BofA is on edge of bankruptcy due to mortgage mess . they are probably looking for a fall guy . beware .
2007-12-13 16:17:34 · answer #8 · answered by Anonymous · 0⤊ 1⤋
well i honestly dont know a whole lot about this but i would tell you not to just tell them. they may check it, but they may not. it may be considered personal business....
2007-12-13 16:16:05 · answer #9 · answered by ifeellikepennies 5 · 0⤊ 0⤋
just hire!
2007-12-13 16:15:21 · answer #10 · answered by Anonymous · 0⤊ 0⤋