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  1. #1
    S5K
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    Question Hiring and Credit Advice - PNW Area

    Credit collections. Old medical bills in the process of being worked out. Thoughts?
    Last edited by S5K; 01-05-2012 at 02:13 PM.


  2. #2
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    As with everything else in your background checks, they are subjective. Other than a felony or other major problem you usually have a chance to explain.

    In this day and economy it isnít unusual to have had credit problems. Divorce, medical problems, identity theft, a business that went under, or being laid off could be acceptable reasons for having credit problems.

    While some, not all, departments do check your credit along with other stuff, they understand things happen. What they would look for is did you run up your credit cards before declaring bankruptcy. Did you have multiple times of defaulting, have you been juggling credit cards and bouncing checks as a pattern, is there a history.

    I wouldnít worry about your credit keeping you from a job. They wonít be checking that stuff until you have gotten far enough in the process to be offered a job, so apply yourself to that. In the mean time there may be some things you canít do to speed the recovery of you credit, and by all means put as much time between your problems and the present.
    Good Luck, Capt Rob
    www.myfireinterview.com

  3. #3
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    If that is your only credit problem We would say no problem

    We check credit reports but not the score

  4. #4
    Forum Member nmfire's Avatar
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    Another valid point... Would this expensive medical issue be a problem?
    Even the burger-flippers at McDonald's probably have some McWackers.

  5. #5
    S5K
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    Rob and 49, thanks for the encouragement. This kind of reasoning makes sense to me, but one does 'hear' a lot of things from FFs and on the boards..

    NM, Nope, fully fit for duty. But yes, worth mentioning..
    Last edited by S5K; 01-05-2012 at 02:11 PM.

  6. #6
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    Suggest you get a credit report on yourself (Sears has one for free if you've got a Sears cc. There are others). Suggest you also use a third party to get a credit report on you (as it will be a little different than the free ones).
    This will help you:
    1) understand the issues on your report and how to get score improvement.
    2) understand what someone else will see when they do a Credit Check on you,
    3) understand that portion of your credit history that is good
    4) so you will be ready to respond to concerns in this area
    4) plan to lay down some good credit over the bad credit

    For example, I have 340 on time payments and 4 late payments. The four late payments are 300 payments ago. The farther back those puppies are buried the better my credit score gets.

  7. #7
    S5K
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    Pasha, 10-4 to that. Have all the credit reports, and am working on getting these things ironed out.
    Last edited by S5K; 01-05-2012 at 02:15 PM.

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