how can i get a job with credit i have?my husband filed for chapter 11 and it is showing on my credit report?
373808
Was the chapter eleven filed by your husband before or after you were married? If it was before you were married you may be able to have that noted on your credit report. Having said that, more and more companies are paying attention to credit reports as a way to thin out persons who may not be able to be responsible with money management. This does not mean that this is you. But you do need to understand that the type of jobs you keep applying for may fit this profile.  Try looking into government positions. Most do only a background and not a finacial report (which does not say much for the government). Do look at your own credit report. If it is poor, than find a way to build good credit for yourself and encourage your spouse to do the same. Financial counseling is a good start to overcome your distress.  Good luck!
587869
When I met my husband, he had bad credit.  Neither of us knew how to manage money.  After 14 happy years together, we have come a long way.  He has great credit and we have two brand new vehicles.  We bought a new house 7 years ago and he makes enough $ that I can stay home with the 5 of our 8 children who still live at home.
344636
There are financing options out there for you and your husband, but because of the bankruptcy you are going to have to pay a higher interest rate and most likely you won't be able to buy your dream house anytime soon.....it will take some time to build your credit back up and in time things will be back to normal for you both, check with top lenders, stay away from mortgage brokers, try Countrywide, Ditech and national lenders....mortgage brokers make profits based on several factors including interest rates, so someone who has credit issues are easy prey, national lenders typically have programs for people in the situation you are in and although you will have to pay higher interest, it won't be outrageous. Any other questions just send an email, happy to help.
521811
You each have your own distinct credit ratings.  They will not combine unless you get joint loans.\n\nYou can actually use this to your advantage.  If you husband has good income, use your good credit to help him build his score back up.  Co-sign for a card or loan under his name, and keep up the payments. \n\nWhen I got married, my wife came with "baggage" from her previous marriage and had terrible credit.  I had a good job and excellent credit, so I co-signed on a couple cards, and co-signed for a car in her name.  Now her credit is super!  Took a couple years but it worked, and was totally painless.\n\nJust keep up your payments.
244969
I may be able to help you i use to be an apartment manager , once you are evicted your the balance you left behind goes to the credit agency to try an collect the money from you,it will show on your credit report until its paid off.Every time you fill an application out for another place to live that shows up,as well as the apartment manager calling to find out what sort of tennant you was and how the place you rented was left all this plays a big factor in renting.My suggestion to you is find out why you are being turned down you have the right to know and if you owe money you wont ever be able to rent again until the balance is paid.
264661
Some employers will do a credit check as part of a background search for a job applicant. Bad credit or a bankruptcy may disqualify you as a possible candidate.
985459
First, before filing Chapter 7, ask you attorney to work with your creditors to see if they can reduce the debt owed by paying a certain percent of the debt owed (i.e. $.25 on the dollar) with a monthly payment plan in place.  If it is in your budget to do so, this is your best avenue.\n\nIf this is not an option and you do have to file, it will take a little while to rebuild your credit.  BE PATIENT.  You will not be able to buy a house or car (without paying outrageous interest rates or exorbitant fees) right out of the gate and will more than likely end up in the same position once again.\n\nYou will be bombarded by credit card companies to "help re-establish your credit".  It would not hurt to get ONE credit card with a very low line of credit ($500).  Use this only in case of emergencies and pay off as quickly as possible.  \n\nMost important is to be patient and not get yourself into the same boat again.  Within a few years (3 or so), you should be able to pursue home ownership or car purchases.
994759
Contact any trucking company dealing with this and ask them if they are hiring for a driver or loading boy.  Maybe you would be lucky enough to get hired there.  Do you know why people build good credit?  So when they want to open their own business and don't have any down payment money their good credit vouches that they are dependable and can be accounted for.  If you don't have neither the money or the credit-who do you think will trust you even with one dollar? That is why they keep saying-pay your bills on time and never be late, you will need your good credit some day.   Well, apparently you thought that it was some kind of a joke ah!
484349
If your husband has a steady job and your previous credit is fairly good, then you might want to try one of the credit companies like Capitol One for instance or HBC.  The interest rates are huge but they can usually find a way to put all the different debts together and spread it out over 25 more years to keep the payments low.  This was an option I took a a number of years ago during a renovation that went bad. Hopefully you can sell the house when completed if the amount you sell the house for is more than the debt and start fresh, getting rid of the high interest debt. It sucks to sell what you have worked so hard for but it is just a house.  The credit companies will sometimes let you pay the total debt without penalty if you sell the home and then you haven't paid much high interest anyways.  I understand the devastation and hopelessness of being in what seems to feel like an out of control situation.  You have to believe that life can get better just as quick as it went wrong.  If your only option is bankruptcy, so be it,  do what you have to do to make a stable home for your kids.  Just take control of the situation, get a few opinions and start sleeping again.  Banks run like sissies when you need help yet they are the first in line to bankrupt you in the first place.  There are reputable companies around to help people like yourselves in this tight spot.
275204
You don't have to own property to have a state tax lien. Basically what it means is he has unpaid state income taxes that are past due.  The state will put a "lien" on you which means they can take any federal tax return money you may get, or "attach" any property or income you have coming in the future until the past due taxes have been paid.  They can actually go and attach or garnish your wages until it's paid off too. Since you are his wife, they can garnish your wages too.  Employers tend to get upset with this stuff and in some states can even fire you for it.  I would contact your state tax collection people (you can look in the phone book under "(your state name)_______ State Income Tax")and find out exactly how much you owe.  Usually you can make an arrangement with them to pay it off in payments. As long as it's outstanding, you are getting hit with penalties and interest too, which can turn a relatively small amount into a HUGE debt in a very short time.   Trying to get anything on credit will be next to impossible also with that on your credit report.  The sooner you take care of it, the better!
1018869
Try to find a rent to own. My husband and I had bad credit and wanted our own home. \nWe looked in our daily local newspaper and found a 3 bedroom -2 bathroom ,2+ acres and all we had to do was sign the lease and give a 1000.00 down and we were in.\nA lot of rent to owns don't do a credit check. \nWe pay 640.00 a month and that includes insurance and water.\nWe pay 200.00 a yr in taxes. We have now been in our home 1 yr and loving it!
49050
Also they check your credit to see if you will be a high risk of; A. wanting more money or B. they think that people with bad credit will be more likely to steal from the company. \n\nIf it shows that you are always in default on your house or car loan then how responsible are you going to be at your job? And on the same note, they will think that you will be looking for a higher paying job while employed with them because you are in debt...\n\nThese aren't my views, I am a firm believer of second chances (I have been through bankruptcy so I know how it is to struggle) but I also have been through many HR and recruiting classes.
1149969
Since you have a computer go to your banks online service bring up the payments. Call the Loan Company while online discuss it with the manager in charge. Explain to them the problem you are haveing. A Friend of mine just went through this an she claim bankruptcy just prior to this but kept the car and payment. But what had happened is the payments go to a lock box and sit there and when they finally put it in they credited the wrong account. They were showing her two months behind an her payment were there on the first of every month. Plus get there building address not a po box and send the payments to that addrress.
882392
Try a secured credit card. Anybody can get one, and as long as you pay on time every month, it will show as a good account on your report.  Also, if your husband has any accounts, you can see about having your name added onto them.
514475
Guess what?  If you file for bankruptcy you will still have bad credit.  Plus, the laws have changed.  Even if you file you may still be responsible for your debts.
212712
Why do I feel you are leaving out some important details here?  What's going on?\n\nThe dealer has the right to get a credit report on you if you have applied for credit with him.  Did you have a business transaction with this dealer (signed or otherwise)?  If so, you don't have a leg to stand on.\n\nIf no, then he is in violation of the Fair Credit Reporting Act.  See the link below for the entire text and see what the law says.\n\n\nIf you did have a business relationship with him, I don't see anywhere in the law that prohibits him from getting it 8 times.  He has to pay for each credit report, so if he wants to do that over and over that's his privilage.  You can contact the credit reporting agency and explain the situation.  They may remove some of the disclosure reports.  Be prepared to give them a good explanation.\n\nNow, if you were not applying for a loan, and he did do all of this, you can sue him for any damages that happened as a result.  Were you denied credit because of your now lower score?  Was the interest rate higher because of it?  Were you denied employment?  How were you damaged.  \n\nYou can't sue him just because your score went down.  You can report him to the credit bureaus, and they can deny his access to future credit reports.\n\nOn a happy note....if you can prove that he willfully requested credit reports, and you did not have a credit application or business relationship with him, he can be sued for $2500 for each violation. \n\nYour next step is to contact the credit agencies. Good luck
39399
Marrying him is not going to lessen your credit score. However, get him to work on his credit as well, because from the moment you say "I Do," you share credit. You will have to both sign for cars, houses, etc. There is no "single" application once you're married. Smart move to think about this BEFORE you get married...most people don't even consider asking their partners about their credit history. It is wise of you to work on this issue first! Bravo!