Credit check

Get new comments by email
You can cancel email alerts at anytime.
Comments (8)

DLindsey88 in Orange Park, Florida

27 months ago

I just got a job offer for Sales and Service Specialist and my recruiter told me that they would be conducting a credit check. My scores are in the low 500's and I have a few collections. Should I be worried?

- Was this comment helpful? Yes / No (5) Reply - Report abuse

Bluetea in Texas

27 months ago

DLindsey88 in Orange Park, Florida said: I just got a job offer for Sales and Service Specialist and my recruiter told me that they would be conducting a credit check. My scores are in the low 500's and I have a few collections. Should I be worried?

It depends on the job but yes, you should be worried.

- Was this comment helpful? Yes / No (2) Reply - Report abuse

Blessed in Downers Grove, Illinois

27 months ago

I have a sister that works for BOA & her credit is pretty bad, but no criminal & good employment ref, & she is in the branch. So I am almost sure you should not be worried

- Was this comment helpful? Yes (2) / No Reply - Report abuse

Banker89 in Baltimore, Maryland

25 months ago

DLindsey88 in Orange Park, Florida said: Thanks. I just completed the forms for the background check. It had my position listed as "Loan Originator." Does anyone know what the background check for a Loan Originator entails? I'm not to worried about the criminal part, but I have had my driver 's license suspended in the past. I'm most worried about the credit check, if they even check that.

How did this turn out for you?

- Was this comment helpful? Yes / No Reply - Report abuse

Julie 1000 in South San Francisco, California

25 months ago

Hi DLindsey88 ,

I have some questions but just want to know before did you started to work already did everything work well for you ?

Thanks

- Was this comment helpful? Yes (3) / No Reply - Report abuse

dlindsey88 in Orange Park, Florida

25 months ago

Sorry for not updating, but I have been pretty busy. I received a call from the background check department the week before my start date to explain some items on my credit report. One of them was a student loan that went to collections and was flagged by BoA because it was a federal debt. I had to provide proof that the collection was paid in full and that I was in good standing with that. As far as all of my other collections, I had to provide a notarized statement explaining the items. Two business days later, I got a call from my recruiter telling me that I was cleared to work. Been working since March 20 and I am loving the job so far. Good luck to anyone who is applying with the bank. My advice: don't rely to much on what you read here because everybody's situation is different. And pick up a new hobby. Stressing over my credit made the wait almost unbearable.

- Was this comment helpful? Yes (1) / No (1) Reply - Report abuse

Worried Bofa candidate in Moraga, California

6 months ago

I got hired months ago at Bofa but got rescinded for bad credit under loan originator . I had horrible credit and they asked me to explain it all but I had no proof of payoff. I used the hard times excuse, but it didn't work. Since then, most derogatory accounts are removed because over 7 years old.

I got hired again but there are still 3 items that won't be removed for a month or 2 for $624 total. Plus I have recent collection for $3892.

Does anyone know what chargeoff limit they will hire you at? I had over $19,000 when my first offer got rescinded. Now it's less than $5,000.

Another option is settle for less on collection and show proof of payment when they ask me to explain. I just want to know how much bad credit is too much in the banks eyes ?

If a person had only one $400 charge off will they deny a job over that?

Hope my experience is helpful. Please provide input and opinion. Thanks

- Was this comment helpful? Yes / No Reply - Report abuse

D.W in Atlanta, Georgia

6 months ago

Worried Bofa candidate in Moraga, California said: I got hired months ago at Bofa but got rescinded for bad credit under loan originator . I had horrible credit and they asked me to explain it all but I had no proof of payoff. I used the hard times excuse, but it didn't work. Since then, most derogatory accounts are removed because over 7 years old.

I got hired again but there are still 3 items that won't be removed for a month or 2 for $624 total. Plus I have recent collection for $3892.

Does anyone know what chargeoff limit they will hire you at? I had over $19,000 when my first offer got rescinded. Now it's less than $5,000.

Another option is settle for less on collection and show proof of payment when they ask me to explain. I just want to know how much bad credit is too much in the banks eyes ?

If a person had only one $400 charge off will they deny a job over that?

Hope my experience is helpful. Please provide input and opinion. Thanks

What position did you get hired for???

- Was this comment helpful? Yes / No (1) Reply - Report abuse

» Sign in or create an account to comment on this topic.