- Reaction score
- 0
- Points
- 60
I did a search looking for answers (99% of the time I find what I need...) but couldn't find details on the finer points of what I need to know.
My credit isn't good. It's not terrible.. no bankruptcies or anything that catastrophic, but employment has been a huge problem for me the past few years and there are bill payments missed all over the place. I've cleaned most of the mess up, but I need to know how bad 'bad' is... not working at the moment and things are only getting worse the longer I wait. I like referring to myself as a casualty of the east coast economy when I'm feeling dark humour kicking in.
I'm having problems with letters of reference because I've moved around most of my life, but I think it's something I can overcome.
Who is called exactly? Do they call your recent employers whether you list them for contact or not? What about places you've lived? If two of my previous landlords are called it won't be pretty... if I'd been able to afford the court battle I should have sued them both for delinquency. Instead I moved away.
I guess I just feel the past year and a half or so has been one of my lower points in my life (I'm 36) and I'm wondering how much it's going to hold me back. I don't feel I have the luxury of waiting another couple years hoping for better days with the economy the way it is right now, plus my age.
Can anyone give me more detail on the guidelines that I'll be judged on? Right now this is the biggest issue I think I'm facing in terms of being given a job offer. I'm in excellent shape, non smoker.. only owning a car two years my whole life is actually turning out to be a blessing. I have no criminal record at all, absolutely clean driver abstract.. just not the kind of guy a bank would be ecstatic to have walk in their office and ask for a loan.
My credit isn't good. It's not terrible.. no bankruptcies or anything that catastrophic, but employment has been a huge problem for me the past few years and there are bill payments missed all over the place. I've cleaned most of the mess up, but I need to know how bad 'bad' is... not working at the moment and things are only getting worse the longer I wait. I like referring to myself as a casualty of the east coast economy when I'm feeling dark humour kicking in.
I'm having problems with letters of reference because I've moved around most of my life, but I think it's something I can overcome.
Who is called exactly? Do they call your recent employers whether you list them for contact or not? What about places you've lived? If two of my previous landlords are called it won't be pretty... if I'd been able to afford the court battle I should have sued them both for delinquency. Instead I moved away.
I guess I just feel the past year and a half or so has been one of my lower points in my life (I'm 36) and I'm wondering how much it's going to hold me back. I don't feel I have the luxury of waiting another couple years hoping for better days with the economy the way it is right now, plus my age.
Can anyone give me more detail on the guidelines that I'll be judged on? Right now this is the biggest issue I think I'm facing in terms of being given a job offer. I'm in excellent shape, non smoker.. only owning a car two years my whole life is actually turning out to be a blessing. I have no criminal record at all, absolutely clean driver abstract.. just not the kind of guy a bank would be ecstatic to have walk in their office and ask for a loan.