@Anonymous wrote:
Thank you for the encouragement. Honestly I hadn't even thought about applying to a lot of places because of it. Even this one, I was very hesitant. I hope it all works out... And if it doesn't I am sure there is something else out there! I'll keep everyone posted.
I do have experience with this and it was surprisingly positive.
I applied for a job with a consulting company for a Federal Government Agency. The consulting company actually called me about it and I declined, stating my credit was in the bottom of the bottom. They called me back again a week later and the HR guy encouraged me to apply anyway. It was my first Government related position.
My credit was really (really!) bad and I actually had a Lis Pendens for a foreclosure action on my house and six COs for CCs and my car had been repo'd the month prior.
I had to fill out volumes of pages (over 70) and fax them back. The people that handled interim Security Clearances were patient and I explained the circumstances that lead to the credit meltdown was a catastrophic illness for my DW (now fine) and that I was unemployed.
I had to show proof for items I had paid and outline a repayment plan.
But they hired me and I started working soon after.
Within 18 months, the Security people wanted (Ok, demanded) that I find a professional law agency that would create and manage a debt resolution plan for me. I was fortunate to find a good legitimate company and they took on my case to resolve my CC debt. I had to pay about $530 a month and they took 'professional fees' and also 'management fees' but they negotiated with each CA, or OC when possible, and they helped me resolve all of them. Overall, it was a very good thing, because I was never sued, no judgements, and all have been resolved, and will finsih rolling off my CRs by Feb 2016 and my scores are in the high 600 range now.
So, in summary, yes, you can become employed with bad credit, if it wasnt a deliberate scheme to defraud creditors. I have also heard from some of my co-workers that were hired with aBK on their records.
They are however, concerned about arrests, even if you were in a pre-trial intervention or pleaded no contest. Some people I knew had to write LOX about a DUI from 15+ years prior.
Oh yeah, and after 2 years with the consulting company, I saw a job posting at the Federal Agency and I applied and was hired. They continued to monitor my progress with resolving my debts.
So I say, go for it, and Good Luck!
hth
