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Dr. Bob is Robert Hsiung, MD,
bob@dr-bob.orgShown: posts 1 to 5 of 5. This is the beginning of the thread.
Posted by Lonely on July 10, 2006, at 23:45:00
One issue that comes up for me is my credit rating ... and it's very low. My hubby has admitted to intentionally wrecking us financially out of irrational anger towards me. Two years ago he dragged us through bankruptcy again. I do now have more control over the finances and he's agreed to it but his jealousy, insecurity and bipolar disorder still are active (the latter is under treatment) and he has been known to delete messages from clients. I've changed my voice message box to a PIN number that only I know now.
In any industry related to finance, and it's amazing how many are, the BK is a wipe-out. Other industries such as software or Information Management or technology are also freaky about that sort of thing. I'm not quite sure how to handle it. I have an excellent record otherwise - high character, excellent driving, absolutely no trouble w/law at all in my entire life. Haven't even used an illicit drug!
I might have an inteview coming up - trying to figure out what to say and when to say it re credit. Any finance people or HR people who have suggestions? Thanks!
Posted by med_empowered on July 11, 2006, at 1:51:44
In reply to Credit Rating and Finding Work, posted by Lonely on July 10, 2006, at 23:45:00
THe only thing I can think of is using a credit counselling service--they might b able to show you how to boost your credit score a little faster.
Posted by Phillipa on July 11, 2006, at 20:27:20
In reply to Re: Credit Rating and Finding Work, posted by med_empowered on July 11, 2006, at 1:51:44
Get one credit card for a small amt. Use it each month and pay it off in full each month. Use it only for things you need.Like groceries. We're renting a house to a family that is doing that so they can buy the house in a few months I hope. We need the money!!!!!!Love Phillipa
Posted by Racer on July 14, 2006, at 2:39:03
In reply to Credit Rating and Finding Work, posted by Lonely on July 10, 2006, at 23:45:00
I'm assuming you're asking how to approach the subject in terms of getting a job, rather than how to fix your credit rating?
Here's what I would recommend: see a career counselor if you can, to ask about it, but since that's really not a quick and dirty (and cheap) option, how about making an appointment to speak to someone at a good employment agency? Just call, make the appointment as though you're a regular applicant, and then ask -- say something like, "I have one difficulty I'm not sure how to address? My husband made some bad financial decisions, and put us into BK. It seems as though that's coming up in the pre-employment screening. Can you recommend a way to deal with that, so that it doesn't count against me so much?"
That's pretty much what I would do, in that situation. (I would probably not go to an agency I was trying to get work through, unless I already knew them. Silly, ain't it?)
Hope that helps.
Posted by octopusprime on July 15, 2006, at 12:26:24
In reply to Credit Rating and Finding Work, posted by Lonely on July 10, 2006, at 23:45:00
The fastest way to fix your credit is to leave the country. I hear Canada is nice these days. :)
It may sound flip, but moving from Canada to the US for a new job cleaned up my credit nicely. You get a clean slate in a new country. In IT is easy for Canadians to get a visa to work in the US (and vice versa). I only have to stay here for 7 years, then my credit in Canada is automagically clean too.
This is the end of the thread.
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