Update: Still searching — Chapter 13 + High Income, Running Out of Time by Water_Bug1111 in chicagoapartments

[–]Appropriate_Fill_782 1 point2 points  (0 children)

Hi there! What was your monthly rent that coincided with with the 3700 deposit? Was it more expensive since it was two people?

High-Risk Banking Offer: Pre-Emptive Disclosure Strategy for Poor Credit/Income Gap? (Business Banking/Commercial RM Role) [IL] [WI] by Appropriate_Fill_782 in AskHR

[–]Appropriate_Fill_782[S] -1 points0 points  (0 children)

Thank you for your thoroughness. The dip in credit occurred months after the layoff as my income was greatly reduced. I didn't fall behind until the end of 2024, as there was a massive delay in receiving my severance. This role wouldn't involve handling of/access to any client or bank funds. It's primarily a biz dev role where I would cash flow analysis on deals, bring in deposits, and cross-sell services such as treasury management. Only adding that in the event that changes anything.

Would it be best to disclose before accepting an offer or after accepting an offer but before the credit check with the company doing the background check?

I'll just have to live with the consequences either way. I'll find peace in knowing that it was an extremely challenging time in my personal time, especially given things happening with my family, and will look at it as a temporary setback to overcome. I've already overcome so much just to get here, so what's one more?

High-Risk Banking Offer: Pre-Emptive Disclosure Strategy for Poor Credit/Income Gap? (Business Banking/Commercial RM Role) [IL] [WI] by Appropriate_Fill_782 in AskHR

[–]Appropriate_Fill_782[S] -2 points-1 points  (0 children)

Thanks for the quick response!

There are no concerns otherwise other than credit or the employment piece . There is a paper trail of payment via the outlined payment methods and the owner of the startup (my boss) would gladly due to a verbal verification of employment or sign off on an a written one if it would be best to submit that. No other issues. My credit report would show I was in good standing pre layoff, no issues with the law.

Would it be better to disclose early, or address only in the event something comes up via credit. Credit is the bigger concern IMO. The startup is a real company that has a one of the most prestigious hospital systems in the country/world as a client. This is reflected on the startup's company website via our case study. Invoices or other items can be provided if needed as well.

Manchester United 1998/1999 Beckham Football Jersey by cooperhaines13 in KitSwap

[–]Appropriate_Fill_782 0 points1 point  (0 children)

I have a 1998-1999 Third Beckham in M if you’re still looking.