As more Americans are facing tougher economical times, with job losses and cutbacks at work, more and more are also facing another dilemma – being denied that big promotion or even a new job that can make your life better!As you watch the headlines of the morning and evening news, I am sure you will see more than one news feed regarding the economics of America. As those high paying jobs are dwindled down into nothingness, people are out searching for new jobs, or maybe a second job to supplement their income. But with less than perfect credit, do you know your credit score can be costing you – your job.
The days are gone when you could pick up the local paper or simply walk into the local factory or store and apply for a job and be hired on the spot, we all know that. In today’s times, even the simplest job requires a full resume’, application and hiring interview. But did you know that along with your references, they are checking your credit report to see how worthy you are. Now I may be a little old-fashioned, but doesn’t it seem likely that the reason you are applying for a job is because you could use the income to support your debts? Granted, there are those out there that love to live beyond their means, relying simply on this weeks’ credit card balance to get them through to next week. But on the average, aren’t we all searching for something better? Can a poor credit score really tell a prospective employee what you are all about? Your strengths that you can bring to their company, your skills, your willingness to exceed your expectations?
It seems unfair that we are graded in our financial status, that if we have had a hard road to climb and are willing to battle it, that we can be put down simply because of our past. Now I know that we can all send a letter to the credit reporting agencies, with an explanation of our credit and why things are what they are, but have you ever tried it? It’s like explaining to the IRS why you had an error on your return. It takes time, and patience, as you will most likely have to send your information numerous times before it actually appears on your credit report. But it still does not affect your credit score. Which is what most employers look at, not the actual report.
I think it’s time we as Americans stand up for ourselves and write letters to our Congressmen about this issue. We should not be judged by our credit score!