Is your credit holding you back?

Before you apply, make sure your credit is ready.

In today's competitive job market, many employers will check your credit before hiring you. Bad credit is often seen as a lack of responsibility, honesty, or financial management skills. Don't let a negative mark on your Credit Report hold you back.

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Credit score calculated based on FICO Score 8 model. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. Learn More.

Employers want to make sure you can handle money before they pay you money

Your Credit Report may play a role in your employment aspirations and, if you have dreams of self-employment, credit plays an even more important role in achieving success. No matter who's the boss, money can be part of the job satisfaction equation, and management of that money is critical.

Yes! Credit Matters: Bad Credit can Make You Look Bad

Collection accounts or foreclosures can be included in your credit report and may impact employment-related credit checks. That's why it's so important not to overextend your credit and to pay your bills on time. If you are unemployed and struggling to cover your expenses, it's a good idea to ask creditors to lower your interest rate or let you make smaller minimum payments until you find a job. Otherwise, bad credit could keep you from getting your dream job or re-entering the work force.

Yes! Credit Matters: Making your Credit Report Job-Worthy

Since many employers may check your credit before making a job offer, it's important to periodically check your Credit Report to make sure it's accurate and up-to-date. If you have negative marks on your Report, such as collections or charge-offs, work with creditors to show your willingness to take care of past due debts. Remember, that paying your bills on time going forward can make you appear financially responsible to employers.

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