grassisalwaysgreener
Rough_Rock
- Joined
- May 11, 2010
- Messages
- 15
I am in need of some advice. In the past two weeks DH has received two job offers (in writing) however both require background checks. DH will pass any background check- never arrested, no lawsuits, no sex offender list, didnt lie on his application, etc. However he does have bad credit. We had to short sale a property that we rented out, 18 months ago. Then we had to do a loan modification on our primary home and that was completed 7 months ago. We have credit card debt (due to rental property before it was short saled) and are enrolled in a debt management program. We've paid off $15K in debt already and plan to be 100% debt free in two years. We've made some financial mistakes but have been on the right track for some time now.
I am very scared that the company DH says yes too will rescind their offer once they check his credit. We checked his credit tonight and there weren't any errors on DH's credit report (we checked all 3). Unfortunately the last reporting was in June and it doesn't show yet that in July we've paid off two credit cards and one of our cars, making us car payment free. I know by October it will be reported and his credit score will jump higher, but that doesn't do us any good right now.
Anyway, has anyone had a background check done on them with bad credit and still gotten the job? Both jobs would help financially but one in particular (DH's first choice) would allow us not only be financially comfortable, but pay off our debt in 12 months, be 100% debt free. We really really need him to get this job. What would be the best way to approach this? Mention to HR that he has bad credit and explain why (bad real estate deal)? Wait until they come back and explain? Does it help or matter that the first company is jumping through hoops to get DH to accept the offer?
I'm literally sick to my stomach with fear about this. So any advice would be helpful.
I am very scared that the company DH says yes too will rescind their offer once they check his credit. We checked his credit tonight and there weren't any errors on DH's credit report (we checked all 3). Unfortunately the last reporting was in June and it doesn't show yet that in July we've paid off two credit cards and one of our cars, making us car payment free. I know by October it will be reported and his credit score will jump higher, but that doesn't do us any good right now.
Anyway, has anyone had a background check done on them with bad credit and still gotten the job? Both jobs would help financially but one in particular (DH's first choice) would allow us not only be financially comfortable, but pay off our debt in 12 months, be 100% debt free. We really really need him to get this job. What would be the best way to approach this? Mention to HR that he has bad credit and explain why (bad real estate deal)? Wait until they come back and explain? Does it help or matter that the first company is jumping through hoops to get DH to accept the offer?
I'm literally sick to my stomach with fear about this. So any advice would be helpful.