Maybe employers should disqualify applicants based upon their family's credit or criminal history as well. Being around such unsavory types may influence character.
Good suggestion Mr. Viscount

Maybe employers should disqualify applicants based upon their family's credit or criminal history as well. Being around such unsavory types may influence character.
Do you hire based solely on the person's credit score or do you take into account their number of delinquent accounts? Theoretically, a person could have a low credit score and a high to debt to credit limit ratio while still not having any bills over 30 days late.
Good thing you're not in a position to.![]()
Who is your mortgage with?
You should have went with a bank that still does manual underwriting. The local banks and some credit unions still offer it.
A standard 10 year Service rep at a company like AT&T makes about 35-40k, learning the skills in that field don't really help you in the general job market. That's the downside to a specialized white collar work force. The skills usually aren't transferable.
Not to mention, you lose a job because of cuts the compition has been doing the same thing. So the jobs at the companies that WOULD have hired you have no jobs to place you in.
Lastly, the biggest issue is that qualified people can find jobs but its a matter of finding one that will allow you to maintain your bills. You can't expect someone to go from 40k down to 21k and expect them to maintain their current bills....
The shyt is simple economics. And most people financial hardships in the past few years are created from forces outside of themselves. This isn't the 90's anymore, getting up and walking down the street and finding a job...that time in America is done.
It really isn't. Get one credit card, make small purchases, etc.Is it hard to have good credit?
I think companies probably consider that. But that wouldn't explain why you have a big ass past of bad credit and that's why it's important to not over extend yourself on stuff you don't need in the first place. People can look at your resume and see when you stopped working and correlate that with your credit history. I can see in the case of people with businesses, medical expense, kids who got fukked over, etc.You act this is not a regular occurrence in the economy were are in
There have been plenty of companies downsizing, going bankrupt and firing people on minimal notice.
What do you think a high unemployment rate is?
It's more people fighting for the available jobs.
Explain
The wicked borrows and does not pay back, but the righteous is gracious and gives.
There is nothing to explain. A man of great wealth I am. A man of squalor he is.
Psalm 37 verse 21
The wicked borrows and does not pay back, but the righteous is gracious and gives.
It's all right there, yet the arrogant ignore and complain.
Well played......
Let's put this in the proper context though
This scripture is referring to those that are wicked whom can repay but will not, as opposed to those who want to repay but cannot.
Righteous difference there
thing is though some people are in WILD debt therefore there is no other way to slice it other than they are incompetent and dumb as fuk
You are incredibly wrong. The wicked live by borrowing. You can only give after you have sought god and he has replenished you.
Id rather have bad credit, then dead like ur dad, just "hanging" there