topic Re: Denied a job because of credit report in SmorgasBoard

Denied a job because of credit report

Booboo71 — Wed, 30 Jul 2014 05:22:43 GMT

I just found out tonite thru email that I was denied a postion because my credit report (transunion) . It came back "red".. If I pay the 4 collections do you think they would reconsider employment with them?.. I'm so sick from this right now... The company that performed the back ground and credit check was sterling information system. The hr recruiter told me on email I had 5 days to correct any errors with sterling and to notify her. Do you think I have a chance to just pay these collections and maybe still get the job??? Everything else criminal and sex offender came back cleared but the credit part was marked red.. Please ant advice..

Re: Denied a job because of credit report

Booboo71 — Wed, 30 Jul 2014 05:29:03 GMT

Please anyone?? I'm so sick right now and depressed

Re: Denied a job because of credit report

Dalanar — Wed, 30 Jul 2014 05:37:04 GMT

i'm sorry to hear that. See if you can take care of your derogs and call the banks to have them report immediately to the bureaus then check back in with your recruiter...Just curious...is this an job agency recruiter or one with the actual employer?

Re: Denied a job because of credit report

Booboo71 — Wed, 30 Jul 2014 05:44:59 GMT

Actual employer

Re: Denied a job because of credit report

Stralem — Wed, 30 Jul 2014 16:16:43 GMT

Wow, that sucks. Was this a finance job by chance?

Re: Denied a job because of credit report

youdontkillmoney — Wed, 30 Jul 2014 17:56:22 GMT

Yes do the advice given above pay it off so the report is clear. Typically finance, security, airport TSA, CIA, police, and other sensitive government jobs or companies where you might be a financial risk require a clean credit and other background check.

Re: Denied a job because of credit report

RushXTC — Wed, 30 Jul 2014 20:05:39 GMT

@youdontkillmoney wrote:
Yes do the advice given above pay it off so the report is clear. Typically finance, security, airport TSA, CIA, police, and other sensitive government jobs or companies where you might be a financial risk require a clean credit and other background check.

Yup... I need to pay off around $40,000 in debt before I can apply for an armored truck company, LMAO.

Re: Denied a job because of credit report

Anonymous — Wed, 30 Jul 2014 21:29:33 GMT

You need to take care of this whether or not it can save the current job offer for you. If you are going for the type of jobs that require a background/credit check, it's going to come up again.

Re: Denied a job because of credit report

youdontkillmoney — Thu, 31 Jul 2014 13:56:48 GMT

@RushXTC wrote:
@youdontkillmoney wrote:
Yes do the advice given above pay it off so the report is clear. Typically finance, security, airport TSA, CIA, police, and other sensitive government jobs or companies where you might be a financial risk require a clean credit and other background check.
Yup... I need to pay off around $40,000 in debt before I can apply for an armored truck company, LMAO.

^^^^

Yes the armored car carrier company will not hire you unless you do since you may be tempted to steal money due to the financial pressure of the outstanding debt you have, what will make it worse is some late payments or defaults on the credit report causing you to be under more stress, or any job where your loyalty and/or responsibilities may be compromised due to financial stress.

Re: Denied a job because of credit report

Anonymous — Fri, 01 Aug 2014 16:14:02 GMT

@Anonymous wrote:
You need to take care of this whether or not it can save the current job offer for you. If you are going for the type of jobs that require a background/credit check, it's going to come up again.

This. And my guess is that if the employer has seen the current report, it really is too late. You can correct errors (the COs weren't mine) but having COs that you only fixed when it was absolutely necessary might create the wrong impression about financial judgement. But hope it can work out.

Re: Denied a job because of credit report

mzgg09 — Thu, 07 Aug 2014 03:37:23 GMT

Wow that sucks! Sorry to hear that. I for one am against this whole credit check for job thing. I just don't think you can determine whether a person will steal or not based on their credit. I'm sure the guy that was running Enron had perfect credit. And we all know how that ended up. Just saying.

Re: Denied a job because of credit report

OHWWCB — Thu, 07 Aug 2014 19:53:28 GMT

I'm so sorry to hear that! I got a new job in May and they ran a credit check on me and I was sick waiting for the results for over a week. I think the only reason I got in, at the time, was because my score was still pretty low (640ish) but all my debt was paid.

Good luck!

Re: Denied a job because of credit report

jamesdwi — Sat, 09 Aug 2014 06:34:54 GMT

@Booboo71 wrote:
I just found out tonite thru email that I was denied a postion because my credit report (transunion) . It came back "red".. If I pay the 4 collections do you think they would reconsider employment with them?.. I'm so sick from this right now... The company that performed the back ground and credit check was sterling information system. The hr recruiter told me on email I had 5 days to correct any errors with sterling and to notify her. Do you think I have a chance to just pay these collections and maybe still get the job??? Everything else criminal and sex offender came back cleared but the credit part was marked red.. Please ant advice..

don't over react and think you should imediately pay it and it will go away. It may not, and it will stay on your report untill it drops off. Read up on PFD (Pay For Delete) which is an agreement you setup with the creditor that they will remove the item from your Report if you pay, sometimes they may settle for less than the amount owed. Lots of options, but if you pay it, its nearly impossible to get it removed. Read the Rebuilder Forum for more details.

If you can pay it, call the recruiter ask if you show proof of payment is that good enough? It most likely won't show up as paid in 5 days you have, even if you handed the creditor cash today. The best you could do if proof of payment is not good enough is to dispute the collections, they they will show up in dispute for a period of time untill they can be verified or removed, it may be enough but who knows.