Find a Job With Bad Credit
A bad credit history can do more than just get in the way of securing a loan or applying for a new credit card. Unpaid debts and other bad credit history items can stand in the way of you getting a job. If you're looking for a new job, you'll have to know how your credit history can affect you, and get past it and get the job.
Instructions
Find a Job With Bad Credit
1. Know your credit history. Looking for a job can be hard enough without worrying that your financial and credit history will come back to haunt you. Before you start looking for a job, you need to make sure you know what your credit history is. Every consumer is entitled to a free copy of their credit report once a year. You can go to http://www.ftc.gov/freereports to get yours. If you've already received your yearly free report, you'll have to contact the three consumer credit reporting agencies, or one of the companies that does it for you. Review your reports and be able to explain any unpaid bills or collection actions.
2. Know what your employer can and cannot do. Under the Fair Credit Reporting Act, employers can only review your credit history under certain conditions. As the consumer, you have the right to allow them to inquire into your credit history. If you deny them this right, they cannot legally look at your credit report. However, the employer will probably look at your refusal negatively. If you do grant the employer the right to look at your credit history, they don't necessarily get to look at the entire thing. They can see any history of bad debts or delinquent payments, but not your credit score. If you have such items on your credit history (which you already know about because you checked your credit), you can often explain to the employer the circumstances around the item.
3. Begin the rebuilding process. Even if you have a bad credit history, you can begin rebuilding or restoring your credit immediately. To do this, you have to act like a responsible debtor. This means making all bill payments on time, paying off credit card balances at the end of each month and keeping the amount you have on your credit card at no more than 30% of the limit. You can then show the employer that you've taken steps to improve your credit and acted responsibly. This can go a long way to mitigate the impact of a negative credit history.
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