Bad Credit No Job
- It amazes me that we have so many people unemployed. It is not by choice but due to having bad credit in this economy. We are expected to go back to work, but due to bad credit we can not get work in our experienced fields. So we are forced to work several low paying jobs and only coming in 1/2 of what we would have made if we were working in our profession. This is not fair and we need to call on getting a class action suit against employer who do this and change the laws with the fair credit reporting acts.
- —Guest Hopeful for work
Denied
- Just got a call to offer me an interview in a CSA role in a building society. Looked through the application when I got home and got the email to see several questions about CCJ's, Bankruptcy, Bad credit. Figured that if they were asking about it, then it was an issue so I called them. I told them I declared bankruptcy in 2009 and was told that I wouldnt be eligible for the position and they had to withdraw the interview offer. Yes -- me calling saved the hassle of the interview procedure to then be told my credit history meant I couldn't have the job. I just think it's unfair to be denied employment due to past issues with financing. I've never stolen money, I've worked cash handling jobs for years before they put weight on what your credit report says, absolutely ridiculous!
- —Guest Lady_Google
Lost My Chance Due to Bad Credit
- I've been unemployed - save for some consulting work - since my last employer terminated my employment, while I was on medical leave for an auto accident (I was hit head-on by a drunk driver - NOT MY FAULT) and have been through the ringer with my job search. I recently found and interviewed for what I thought was my "dream job." I was to fly out to the main office in California in two days and got a call yesterday that the premployment background check I agreed to came back and.. guess what... I failed!! All due to poor credit. The HR rep expressed the company's disappointment as my offer package was ready for me to sign when at the main office but since I didn't meet the background "threshold" due to my credit... they could not proceed. The position was not in a financial capacity but an ideal match for my skill set.. in my desired field. How do I recover as it seems everyone is doing these intensive background checks. Being out of work has hurt me!!!
- —Guest Fabfour68
Too Many Accounts
- I have been applying in the banking industry and with no luck and now I know why. If you have too many credit accounts you don't qualify to work in the industry,b ut now where will I work?I ended up working as a till packer in a grocery retail store with my qualifications.
- —Guest confused
Family Suffers Due to Bad Credit
- I'm so sad because my wife needs my help to provide for our family. She's sick and we have 2 daughters and the oldest wants to go to college, but I can't provide for my family because of my bad credit.
- —Guest nohope
Grrrrrrr
- Ridiculous @$%%#& want paper for low tech jobs like trucking. I've had lots of jobs in my 46 years and that's the problem. Even though I have lots of skills I look like a flake so I don't get hired.
- —Guest Login
No hope
- You would think a military veteran with experience would be able to find a job. Not so much! I was discharged in 2010 and I haven't had a job since. I'm an excellent worker but because of my credit due to not having a job to pay bills I can't find a job. Where are the so called "employers" that are looking for hard working people, dedicated individuals.
- —Guest Guest
Bitter Irony
- This is one major reason that businesses say they cannot find qualified candidates -- HR is the new Gate Keeper of the jobs. OCR readers that detect the key words and dispose of all other resumes, credit scores and profiles tainted by the loss of a job is IRONY at it's best! And what happened to internships? I was told recently the term is plug and play that HR uses, candidates with exact credentials only. Are they looking for associates or robots? I have been denied a great job due to my credit score, I also just got a call back for a hospital clerical job that I really want , and they had me sign off on a criminal/education and credit check. I pray my qualifications will outweigh my negative credit since my unemployment loss, after 12 years with one employer! The government needs to offer incentives to companies to once again offer internships, HR needs talent antennae and not credit scores to make decisions, and companies need to accept that criminal and education checks are the key.
- —Guest Bad Credit
This Needs to Stop
- Once upon a time if you had bad credit that meant you paid higher for the things you wanted like a car or a house, if you could get a loan for that. Now employers are in my opinion calling me a thief without saying the word. I have never been in any trouble nor have I ever stolen anything. Bernie Madoff I am sure had awesome credit and look what he did. I think if someone with a criminal record with good credit has a better chance of getting a job than me. We all deserve second chances and to not be judged. We all have families and other responsibilities but those needs can't be met if I can't get a job because of bad credit. Life happens and its not like it was my aspiration in life was to have bad credit. If companies did an audit of all current employees they might be shocked at how many current employees are struggling with their own bad credit and glad they have a job to fix it or maintain it. I am sick of getting callbacks for a job and then they check my credit, now I'm not right.
- —Guest Single MOM
No Job No Hope
- I too have been called for jobs based on my experience only to be told I was denied due to my credit background. My unemployment will end next month and I will have no income or a place to call home.
- —Guest Houston Texas
Afraid I Will Never Work Again
- I have been unnemployed for 3 years straight, now. I'm college educated although I did not finish due to finance issues. Now I have crummy credit, and no degree. I have sent out THOUSANDS of applications all over the country, and have not gotten so much as a nibble. At this point, I've pretty much given up and I presume that I will never be able to work and earn a dollar again. So, even though I WANT to work and I have the skills to work, I am basically 28 years old and doomed to being a penniless vagabond for the rest of my life.
- —Guest Dead Guy
I Just Want to Work
- I am 54 years young. I worked for the company for almost 18 years and was let go, also two years before that they cut hours so I was suppose to work 40 hours per week and they cut it down to 24 hours per week for more than 3 months. I have not been able to pay my house payments so I have bad credit. I have been out of work for over a year gone back to school and sending out resumes but I keep getting passed over. They say I have excellent skill and qualification but go with another candidate. I am almost out of my unemployment and don't know what to do. Where I am too young for Social Security, in fact they state I would not get full benefits until I am 71 years old. That means I have another 17 years to give to a job. I am not the USA -- they can print there own money and be in debt trillions of dollars. But we can help pay for others and get them jobs. But can't help those who really need it. I don't want a hand out I just want to work.
- —Guest Worried
U.S Coast Guard
- I had applied and went through all the necessary training. I was accepted and was on my way to leaving retail and starting a career in marine biology. Saving the planet. A dream come true. Turns out I had to stay and fix my credit. They can't have you going off witb debt. I have a house and car under my name with no income to back it up. The sad thing I let my mom use my credit so I can leave her in a house and live my own life. Now I am stuck in retail again.
- —Guest theguythatgetstheshortstick
Turned Down Due To Credit and Age
- I also keep getting turned down due to credit and age. They always say my qualifications are excellant but we are pursuing other candidates. I have poor credit and also I am 54 years old. I lost my last job because it was only temporary. Now however I am still looking, unemployed and also a vet> I was in the US Navy for 12 years. I also thought vets have priority even if NOt disabled. I don't know what to do as my unemployment runs out in 3 months. There needs to be a law in Texas that they cannot base hiring decisions on credit or age. This does not seem to be the case.
- —Guest patrick p
What's a Credit Score Got to do with It?
- What does credit score has to do with jobs that do not involve in money? They see your score then they don't offer you a job working in a factory? Give me a break! The CEO makes a lot money and put you out of work. They can afford to pay off credit bills, get millions of severence pay or get a job feeling sorry for themselves on TV news. It's not the same story for those who suffer and are pretty much living poverty trying to buy food with cereal costing 5 bucks and gas 4 dollars per gallon. There are jobs available way out in no mans land 100 miles from home. Seems like companies care less about how hard you work and say it's your fault you are out of work and we cannot hire you.
- —Guest job seeker
