Bad Credit Stories: Read stories of job seekers who have been denied a job because of bad credit and share your story if you're been denied employment because of your credit history. Share Your Story
Credit and Crime
- I would like to know who came up with this act. How are you suppose to pay your debt if you can't find a job? To me ,this is promoting crime, yet the government says they are fighting unemployment and crime. How else are you suppose to earn a living when you don't have a source of income?
- —Guest Sikhumbuzo
12 yr Career Means Nothing
- I worked as a mortgage broker for 12 years and due to changes in the mortgage industry, and my family life, I walked away from the industry and tried other things. Each job paid way less than I was use to making but we survived. I had excellent credit and purchased a home, before the mortgage industry collapsed. I was stuck with a home with many issues. The home was worth less than half of what I owed on it and my paychecks were only 25% of what I was making when I purchased the home. I finally simplified, turned the house over to the bank, lowered my expenses and found a situation that is manageable for me today. I was approached by 2 mortgage companies and 4 insurance agencies. I did not go to them, they came to me. The first one signed a contract with me pending criminal background check. They pulled my credit and rescinded their offer. I was approached by another mortgage company and the same thing happened. Then it happened with an insurance company. Walmart, on my way
- —Guest N Nelson
- I've been denied employment for a job that I'm for sure that I qualify for. I'm a 49yr ex pharmacy tech with17yrs of experience in the field. After several attempts at different companies it makes me realize it's all about your credit history. How can a person obtain a job to clear their credit if no one is ready to give a person a chance to do so? Most people who have credit problems are not thieves. This practice is so damn unfair!
- —Guest Guest guest
Denied a Job due to Bad Credit
- I lost my job due to company bankruptcy. I have applied for two jobs that I know of that have rejected me for employment because of my credit. I have lost everything. The only thing I have left is my truck which thank god is paid off, but I am soon to be sleeping in because I can't find a job. I have been told by friends that bad credit is a sign of a thief. I have never stolen a thing in my life. This is a crazy theory and needs to be stopped.
- —Guest Brandon
Failed Security Screening
- I have been a self employed /contracting field engineer to the Security Systems industry for 20+ years. Recently I have decided to go back on full time with a Security Systems Company.Having had interviews and being immediately offered a position with two major companies, I have failed the NSI security screening, but they won’t tell me why. having never been trouble with the police, I can only assume its my bad credit and CCJ for a house repossession some years ago that is causing the screening failures. It’s frustrating as I am not allowed access to the information they have collated and it effectively has rendered me unemployable. I am 59 and its really too late to start training a new career, and lets face it, most companies now require some sort of screening
- —Guest HaddonEast
- I went through a vicious divorce. My self-employed ex (who earns cash and whose wage can't be garnished) does not pay spousal support. He is supposed to and the court has been after him. The result of his not paying forced my home to go into foreclosure. I have two kids. I had to file a motion to move to Texas where it's more affordable to live and there are more jobs. Now here, I have had more interviews in two weeks than I had in five years in NJ. I am well qualified for the jobs I seek (pay is entry level). I have been denied three times in three weeks for my credit. I could not leave NJ until a judge said I could. My ex dragged out the Motion. It cost me a small fortune to move to Texas so that my children would have a better future and yet I'm finding no one cares. My score was 720 all my life. My divorce has ruined any chance of me ever supporting the kids and I as it appears I am financially irresponsible. I did all I could, to the point of uprooting my children.
- —Guest Anna
I'm in the Same Boat
- I am in such bad way financially, and not being able to find a job at 49 because of my credit has sent me into DEEP depression.
43 and Unemployed
- I am too a victim. In this economy, what person is not going to have financial difficulties? I was denied a job due to my credit score. I was a contractor for CBP for 6 years got laid off in September of 2013 and till this day I'm being denied of a job and I have my Federal Security Clearance. It is shameful what the companies are doing to the unemployed. The Government will soon have everyone on Welfare. "SHAME ON THE GOVERNMENT"
- —Guest sylvia
Unfair: No Way to Turn Things Around
- I think it is completely unfair to deny employment based on bad credit. There are so many reasons why an individual is unable to pay a bill, but there is one main reasons --looking for employment to turn things around. Denying employment based on bad credit only leave the individual in the same vicious circle, for the love of God what I need is a job!
- —Guest Nells
It's A Shame
- That in this day and time that people are denied jobs based on their credit and not their skills. There are Congressmen and Senators with bad credit and they get to run things. You would think in light of those facts, that they'd pass some type of bill making it discriminatory to deny a perosn employment solely based on their credit history. I myself have been a victim. Before my husband passed away suddenly, I was a freelance artist. He passed while we had no life insurance in place. My freelance was a supplement. Needless to say, the bills didn't go with him and I had to find a permanent job. It took almost a year after; at which time my bills fell behind. Nobody cares that before that time, my bill were paid in a timely manner. When you call to explain your situation, you get "sorry for your loss...but we want our money" as if it's money owed to the person collecting it. It's just a sad state of affairs.
- —Guest Someone's Mom
- I was once a military spouse, my now ex-husband abandoned my children and I to marry another woman. He turned his back on both me, the kids, and our finances. Once I was divorced I had a few health set backs (surgeries) gallstones, kidney stones and a partial hysterectomy all a different times. Also I recently found out to add to my credit woes, the bank that financed my family's vehicle because I was late on a couple of payments while going through my divorce reported on my credit the late payments. Later I found out that my loan was sold to the parent bank and both of these banks were reporting on my credit report simultaneously. I received a nice letter recognizing the problem after I found it. One removed it right at seven years and the other refuses to remove it until another three years even though it was their mistake. And I lost my job due to discriminatory practices. With all that said my credit score is low and I have been refused employment because of this.
- —Guest Guest 1
Lives in Ruins
- I have been turned down for jobs because of my credit as well. I have a Master's degree and cannot get a job. I have no way of paying my bills or my loan. Maybe it should be considered that this is one reason our economy is at a stand still. How many of those unemployed now have bad credit? I would suspect millions. These people cannot get hired. So instead of the unemployed getting hired, those already working are simply moving around in jobs. In other words, a job opening occurs, and someone already working changes jobs. Hopefully that makes sense. If they want to reduce unemployment they need to ban this ridiculous practice of checking credit.
- —Guest Sandy
Job Discrimination Due to Credit
- I have held several highly professional administrative positions, including running my own business. My child's illness destroyed my credit and I was forced to file bankruptcy and suffer deeply. None of my credit problems were avoidable yet for two years now I have been discriminated against due to bad credit and age. I have one question, what would a company do if after hiring someone with great credit that person's credit declines? Would they fire a great employee because of bad credit?
- —Guest ylorraine12
I need a Good Lawyer
- USA gave China my job.Then I couldn't pay my bills. Now USA says my credit makes me unenployable and its OK for employers to discriminate against me. Mind you, the USA is in debt up to its ass. Why don't we cut out the middle man and give our taxes directly to China?
- —Guest jeff lynd
No Credit, No Job
- After multiple interviews and screening tests for this job, I received the phone call from the manager saying that the HR rep would be back on Monday and would be calling with my offer then. Three weeks later, no phone call and apparently no job offer either. I can only assume that it was based on my credit score after they already told me I had the job. I went through a messy divorce and got saddled with most of the debt which now I am trying to pay but how can you do that without a job? The employer didn't even bother with a rejection letter or phone call!! I am legally entitled to my credit report if they rejected me based on it!! Short of prostitution I don't know where to go from here!
- —Guest Denied again...