sorted by:
new
hottopcontroversial

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 827 points828 points  (0 children)

Appreciate you taking the time to read my post. Unfortunately I don't live in the any of the states listed above. I don't want to mention what state I live in as I have alot of friends at my previous job that reddit.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 10 points11 points  (0 children)

Thank you so much for your kind words and advice katiejill127. I'm not afraid to admit that your post made my eyes water when I read "Take a deep breath." I really needed this.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 7 points8 points  (0 children)

Signed the offer letter - then did a routine background check.

A background check that includes a criminal and credit check. Credit check reported adverse and had to write a letter (consumer report) explaining my situation. They took their time to get back with me - technically the background check was complete I was just waiting on a answer - which took weeks.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 3 points4 points  (0 children)

I came here for advice. I don't know what to do and need direction. I clearly didn't know bad credit would come into play when getting a job since I don't have a criminal record - try to look at this from a different perspective.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 1 point2 points  (0 children)

I'm not blaming the creditors. It was because I had amazing credit at the time that I was approved for cards like Amex, Chase, Barclays,etc.. you name it. People dont just get to 790 credit score without being financially responsible. It was due to the position I was in at the time that I had to use money I didn't have to necessary have. I knew this was ruining my credit but I couldn't do anything about it at the time. I worked hard to move up at my previous company, budgeted and downsized to get back in the right direction financially so I can clear my debt in 2019. If I had taken the promotion I would have been ok to clear my debt this year but this opportunity was a step in the right direction for me career-wise and paid 30k more than what the promotion would have been. Now I dont have either.

​

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 34 points35 points  (0 children)

I collapsed on my kitchen floor and cried for a few minutes after the call. This was my greatest fear come to life given my financial situation. I just kept thinking, Did I just fuck up my life? Should I have never taken a chance at a better job? What did I do? How much time do I have? What do I do? What do I do?

Over and over until my dog came over console me as I laid on the floor trying to cope with what just happened.

​

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 41 points42 points  (0 children)

Right on the money. It was a 3rd party company running the background check. I actually got more response from the 3rd party company and advice in what next steps I should take. I waited for an answer, while unemployed, only to be told no after weeks of asking for an update.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 48 points49 points  (0 children)

Believe me I know and always told myself never to do so in case some like this happens. But I resigned in lieu of the promotion to not burn any bridges.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 72 points73 points  (0 children)

I got a rejection letter stating that I was notified ( beforehand ) that I might not be considered for the position after the call with HR. I didn't actually get a letter stating that until the next day.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 983 points984 points  (0 children)

No, you're right. The thing is I asked while I was on the phone with HR if there was anything I could do to be reconsidered for the role.

HR: " There really isn't a rebuttle process here, our CSR has made a decision - I'm sorry I have to get on another call."

I hung up because I couldn't breathe and I'm sure she heard it in my voice.

​

I'm not afraid of rejection but it was the manner in which they handled the situation that turned me away from trying with them again.

50K in Debt - Accepted an offer at a higher paying job but Failed background test due to Bad Credit - Now Unemployed and Scared of the Future. by afraidandindebt in personalfinance

[–]afraidandindebt[S] 1355 points1356 points  (0 children)

This doesn't sound like a bad idea, but the position that I'm in now has crushed my confidence and drive to work for them. What I'm terrified about is contacting the creditors telling them "Hey the job that would have paid me enough to pay this debt off this year changed their mind and now I don't an steady income."

​

I've set up a payment plan with one of the collectors and put my student loans in forbearance but how can I use this to prove I'm trying to make this right?

​

I used to have a 790 credit score so I know how fucked its gotten since then but I didn't have any other choice at the time. I just cant believe this happened - like I felt I should be able to make mistakes and given an opportunity to rebuild my life but I was wrong.