5 Months to Make a Miracle Happen

Hi Ashley!

To be honest, I've never been hired by a company that ran a credit check on me before, so there are definitely companies out there who don't do this as a common practice. I'm wondering if Kohl's does this because they are a retail company? Who knows....

Stay strong, you can do this. Heck, even if you have to work fast food or wait tables, it's money coming in, and I'm sure your credit won't be an issue to get hired.

Good luck!
Tiffany

acharlton..welcome to the forums.
Let me ask you this, you say you have a student loan, may I ask what you went to school for? Have you finished?
Most places say they will do a credit check to weed out the undesirables. My employer said the same thing, but in reality they told me all they do is check your address.
Go ahead and apply for as many jobs as you can...I'm sure you'll get some offers.
As far as apartments, alot of places want some employment background as well as a thorough credit check. I don't know what kind of relationship you have with them, but perhaps your parents would be willing to cosign for one for you? As long as you stay on track with your rent and bills, you'll establish some great credit and you're parents might be more willing to help in the future.

I second the advice given above. It is very peaceful to mind.

Acharlton, go ahead and try your luck in the job market. If possible, focus in that area in which you are skilled enough. Not only you will gather some experience out of it but your credit profile will also start improving. Please pay the bills in full and in time. This is one very important factor in rebuilding credit. If you are able to maintain this segment, things will shape up nicely in the future.

Ashley,

Whoops...
Ashley, I recently moved into a new apt as well, and was worried about the bad credit thing as well. But I sucked up the embarassment and talked to a couple of apt leasing agents, and found out that many apt complxes will let you lease the apartment anyway (even with bad credit), they'll just require you to put down an extra $100-$150 dollars on the deposit. It was hard to cough up that extra money, but you'll have a steady record of paying rent on time, and good rental history can go a long way for you in the future. As for the job search- what is your degree in? Site like Monster and MSN jobsearch have tons of listings for advedrtising/marketing agencies that are looking to fill entry level positions. Also, depending on what your degree is in, you may be able to find an entry level position in a field you never expected- with and undergrad degree in psychology, yoour options may seem limited, but you can end up getting a job in Human Resources or Client Services/Customer Service.

My credit sucks,(but is getting better..yay!) and I've applied for and got jobs that have you sign a paper stating they could do a credit check...I think it's mainly just to check your background, more than "Look, she doesn't pay her bills." Don't sweat it...Apply anyway. The worst--You don't get hired...The best--You get hired, right? :)