I cant seem to get a job because of bad credit.  What can I do to improve my chances?
471838
Small companies are less likely to do a background check and you will have to settle for a lower level job because of bad credit. Certainly you will not be able to handle money and you will pay more for your car insurance. \nThe best way to find a job is to get out the yellow pages and find places you would like to work. Call them up and ask if you can fax over your resume and to who's attention or ask if they are hiring and can you come in for an interview. Make sure the resume is very specific about what you are looking for.  If it's vague the resume goes into the garbage. Only 10% of the job openings ever make it to the ad s. 70% of jobs are filled through someone you know-your mother's cousin or whoever.
1042232
You can always call and ask if you have been approved or not.\n\nIf you get denied, you can send a reconsideration letter. Tell them why you have bad credit (hopefully the bad credit was years ago) How you are trying to clean up your credit etc. \n\nIf you do have bad credit, you should try to clean it up. I'm listing a fantastic "free" do it yourself credit repair site.
392710
First, get a credit report to ensure that nothing has been reported negatively.  If there is erroneous information, dispute it immediately. If there are no problems, you may want to consider a secured credit card.  You put money down as a deposit, in case you default on your payments. Payments on the card are reported like an unsecured card, and in time, the company you have the secured card with, may offer you unsecured credit.  Third, if you have a poor to fair job history, that will look badly for you.  Also, opening a checking AND savings account and not overdrawing, will make you more responsible looking.  Hope this helps!
123318
Don't do this.  It's a scam.\n\nThere is no way to "fix" your bad credit.  You can only improve it over time by paying your bills & being responsible.\n\nYou can, however, fix errors if there are any on your credit report.  You're entitled to one free credit report a year at annualcreditreport.com
352118
try Capital One. but alot of credit card companies will try to work with bad credit just the intrest wont be that low. if that doesnt work try a secure credit card.
24921
Your credit score indicates that you have problems using credit.  So it is risky to lend you money.  If lenders put their money at risk they want a high return(interest) for it.\n\nThe good news is that when you work through your debt you will be eligible for better terms.  Your first step should probably be to see a credit counselor.
851181
banks are not the place to go to if you have bad credit; you'll need to talk to a broker or retailer in the area of financing you desire.\n\nWhat do you want?  A house, a car, a loan, a student loan?  Etc....\n\nThere are varing degrees of bad credit.  The easiest to do is talk to a mortgage broker, as their credit terms will be most generous (to buy a house).  Do this even if you don't want a house, as you'll get an honest assesment of your credit this way.\n\nIf they can't help you, you need to talk to a credit counseler to rebuild.  You'll need to wait a couple years for results.
1006724
You will not get the credit you think you deserve because you must first establish credit. I know a kid whose only bill was a cell phone. Guess what? He went delinquent on it. He has just put the first stain on his credit.\n\nThe only way to prove yourself is to accept the high interest rates now. Pay them on time all the time. Maintain your employment for as long as you can. If you change you job within the last year it will affect your interest rate and may even affect whether or not you are approved for credit. Keep in mind that creditors are looking to see what they can work with.\n1. How much do you earn? In most case it must be over $12,000 USD.\n2. How long you've worked at your present job? Should be better than a year.\n3. How old your are? Over 24 is a better chance to get credit and lower interest rates\n4. Do you own or pay rent? "Live with parents" doesn't impress a creditor.\n\nIf all the above are good answers then work on getting a secured credit card. There will be a lot of fees associated with a secured card such as application fee, annual fee, processing fee and late payment will be $25 and up, and your interest rate may be around 18 - 25%. Do this for a over a year. Make sure you actually use the credit card but dont ever max it.\n\nProvidian Bank may give you credit without money into a savings account but there interest rates will be up there. They start of low but every 6 month they increase as long as you've made timely payments.\n\nAlso get a loan. Have a family member cosign it. Your credit as well as their credit is affected. So as long as you make timely payment its a win win situation. You can't be denied an auto loan. Having and paying these loans and credit cards increase your credit score. Once you have these under your belt and your on the better side of items 1-4 stated above, you should be home free.\n\nGood Luck
134346
all i can say is be honest. Explain that your credit history isnt the greatest but point out that you have always paid your rent.Some landlords will be understanding. A good work history is always helpful; as well.
880632
Applying for "a bunch" in the last six months is negative toward your credit history.  Stop by your local bank and see if you can borrow a small personal loan...or maybe buy a car?
451561
DO U HAVE INSURANCE?  TALK TO YOUR LOCAL SALVATION ARMY SEE IF THERE ARE ANY HOPITALS IN YOUR AREA THAT WILL HELP U, OR THERE IS ALLWAYS CREDIT CARDS.
195300
Even if you have bad credit, but have good income, you have a good chance. But you're not meeting the criteria in either side. Bankruptcy is the last thing should come in mind. In your case I rather suggest you talk to a good good home refinancing or mortgage company. Try also to find someone to co-sign with good credit or high income.\nSee if you can talk to one of the agents in http://www.LendingTree.com they have connections with various banks, and online companies.
844619
It is REALLY unlikely that an employer is going to check your credit history.  Even if they claim they have that right, or you give them that right when you fill out the application.\n\nThere are plenty of other ways to get screwed when trying to find a job, this one should probably be at the bottom of your list of things to worry about.\n\nGood luck.
1089932
Of course, this is exactly WHY you shouldn't allow yourself to GET bad credit.  It is extremely costly, because it forces you to lose out on good opportunities like this.  There's a very high likelihood that you WON'T be able to get credit anywhere.  \n\nHere's what I would consider.  Try some of the high risk credit card lenders.  See if you can get a home-equity line for your home.  You might also be able to depend on 'trade credit' for part of it (foods, etc.), but you'll still need enough to equip the place, and frankly, your choices are very limited due to your past record.  I hope you can find something.  Otherwise, you'll just have to wait 7 years until your credit clears up.\n\nBest of luck to you.
22406
There is no quick fix to imrpove your credit. Dont fall for any scam that says it will improve your credit score in a matter of weeks. The only way for credit to improve is to be responsible over a long period of time.\n\nIf you have records on your file such as public records, bankruptcies, they will stay on your record for several years. The best way to improve your credit will be to make sure you pay your credit card bills, mortagage payments, loans, in full every month and on time.\n\nIf you can't obtain credit cards because of your credit try a secured card. This is where you place a deposit into a savings account in the lender's bank which is used as collateral in case you default. Usually the deposit size will be your credit limit size.
850433
If you are turned down for credit,you can get a free credit report from the three major credit bureaus.Good luck.
1084346
For the most part, it doesn't matter what country you're in. The only thing that can improve your credit rating is time and better credit history. Make your payments on time. Make extra payments when possible. Call your creditors to see if they can help you by lowering your interest rates and refinancing loans for a lower cost. My husband and I had BAD credit, and this was the only thing that could help. If you file for a bankruptcy, that will be on your credit for several years and will look worse to possible creditors than the fact that you are trying to dig yourself out on your own. You made the mess, no you have to clean it up. I know it sucks, but it's true. Make sure you keep accurate records so that when you finally pay a bill off, you can contact the credit bureaus with that information and get the bad info off quickly. We did this and we were able to buy a home, a new car, and a motorcycle within a year and a half! Good luck!