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I Hate Debt
Homepage
Section 1
A Look at Debt
History of Debt
Credit Card History
Current State of Debt
How You Got Into Debt
Good Debt Bad Debt
Business vs. Personal Debt
Section 2 Dealing With Your Money

The Two Step Plan
Doing The Two-Step
Step One
Step Two

The Paths Out of Debt
1- Create a Debt Payment Plan
2- Neogtiate Better Rates & Terms
a.Consolidation Loans
b.Consumer Credit Counseling Services
3- Negotiate Lump-Sum Settlements
4- Bankruptcy
5- The Easy Way
6- Win $1,000,000

Living Debt-Free
Manage Your Money
Make More Money
Save Money
SameMoney-MoreFun
Stay Debt-Free
You as a Business


Section 3 Dealing With Your Creditors
Alerts/Scams

The Credit Industry
Credit Industry
The Fine Print
The Secondary Debt Market

The Debt Collection Process
Original Creditor
The Charge-Off
Collection Agency
Legal Problems
Dirty Creditor Tricks

Dealing with Debt Collectors
Dealing with Debt Collectors
Statute of Limitations
Cease and Desist Letter


Section 4
The Credit Report
The Credit Report
Credit Score
Credit Repair
Section 5
Dealing With Yourself
The Critical Factor
The Art of Prosperity
The End of Failure
Prosperity Coaching
Section 6
Kids and Money
Kids and Money
How to Pay for College
Section 7
Debt Information
Bookstore
Debt Facts
Radio Show
Resources

About Us
Privacy Policy
Site Map


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Credit and Your Career
by Andrea R. Villarreal with Better Scores Better Rates
Looking for a new job? Did a headhunter call you about your “Dream Job”? Have you updated your resume? Sent your best suit to the dry cleaners? Checked your credit report?

Yes, your credit report. Many employers are turning to credit reports to get a better look at their future employees. Hiring a new employee is a risk and costly. They are finding out if the applicant is financially responsible and in good standing. The Federal Trade Commission has this posted on their website:

“As an employer, you may use consumer reports when you hire new employees and when you evaluate employees for promotion, reassignment, and retention — as long as you comply with the Fair Credit Reporting Act.’

The potential employer only needs to get your permission to run a credit report and then only needs to inform you if the report was the reason that you were not hired and give you information on how to obtain a copy of the report.

Do you know what’s on your credit report?

Before you send in your next resume or circle your next ad in the classifieds check your report. You should order a credit report from all three credit bureaus. Go to www.bsbr.com and obtain free credit reports from all three bureaus.

When you receive your report look at it as an employer or a potential employer. Do you have late pays? Delinquent accounts? Charge offs? Maxed out on any of your credit cards? Someone else’s information on your report? Incorrect addresses that appear as if you have moved constantly? All of these may show a potential or existing employer that you are not as financially responsible or stable as their ideal employee even if the information is not yours.

A financial institution may have policies against hiring individuals who are in serious financial trouble or have low credit scores.

What to do now? Contact a Credit Bureaus Specialist, such the ones at BSBR, to see what can be done to improve your credit score. Having good credit isn’t just writing into the credit bureaus trying to get negative items off. A specialist looks at the whole picture and advises you on everything that can be done to improve your credit standing and make you appear to be in control of your finances.

You need to start working on this quickly, your next career move may depend it.

More Credit Report Links

The Credit Report
Credit Score
Credit Repair
Your Free Credit Report

The History of the Credit Report Credit Report Tips
Credit Repair Scams
Credit and Your Career

Consumer Alerts for D.C. Credit Services and Camco

Some collection agencies has started reporting old debt as new. Find out more here and here's a letter that you can use to file a complaint if this has happened to you.

Books on Credit Repair

Read the transcript of Andrea Villarreal from Better Scores Better Rates’ "I Hate Debt" radio show interview.
Improving Your Credit Score 1
Improving Your Credit Score 2

Listen to Andrea R. Villarreal from Better Scores Better Rates’ “I Hate Debt” radio show interview.
Segment 1
Segment 2

If you're looking for help try the
Credit Secrets Bible™
Don't let bad credit cost you money. Fix it!

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