how does a person get a full time job with bad credit, but no criminal background? I am desperate!?
93281
well you cna become a truck driver.  it is good money and  easy days
1055043
Some employers interpret "bad credit" as a sign of irresponsibility.\n\nThere are many employers/jobs that will check your credit.\n\nMy cousin missed out on a correction officer's job because of bad credit.\n\nAt any rate, start working on cleaning up your credit now.\n\nYou don't need an agency.  You can call creditors, explain your situation, make a payment plan, ask for interest relief, etc.\n\nMany people have debt.  To have debt and to have bad credit is not one and the same.\n\nBad credit means you don't pay your bills, borrow or spend more than you can pay, etc.
1146737
Well unfortunately credit isn't easy to obtain when you've messed up your credit record. I should know, I also got into a mess.\n\nIn the UK it takes 6 years for the credit reference agencies to 'forget' about your past. Up until then, you are pretty well stuffed unless you can lay your hands on some cash.\n\nTIP1:\nChange your name. This is complex and you need a new address to move to under your new name otherwise the credit agencies will tie you together if you stay at the same address. It's also very longwinded and possibly illegal. Personally I would not recommend this as you could get in trouble.\n\nTIP2:\nIf you are a homeowner, you can get a nice new homeowner loan from many places. Just be sure to keep up your repayments or you might find yourself in a big mess.\n\nTIP3 (This is genious here):\nIf you have £1150 you are sorted.\nGoto your local bank and open a savings account. Put in £1000 and then ask to see the manager about a SHORT-TERM loan. They will refuse until you agree that they can freeze your savings account for security. This means you cannot access your savings. When you are asked why you need the loan, Tell them it is for "Credit repair/Building". This is genuinely recognised reason which they will loan money for.\n\nOnce this is done, take the loaned £1000 and repeat the process another 4 times with different banks. When you leave bank #5, return to the 1st bank with #5's money and pay them off (AND the small amount of interest owing - hence why you need £1150). Take your savings back out and go pay back Bank #2. Take your savings from #2, Repay #3 and so on.\n\nOnce you have repaid bank #5 you have 5 very good, clean positive points on your credit reference score from 5 banks. Suddenly you will find that credit is available to you from practically anywhere and many bank managers will be only too happy to help.\n\nTIP 3 sounds rather longwinded and far fetched, but infact does apparently work very successfully. It is used by people ranging from 1st time property developers to people looking for short term loans. The only snag is you do need just over £1000 to start with - Not easy if you don't have it.\n\nGood luck whatever you decide..
945
First: the ads that say "we'll fix your credit!" are LYING. You are the one who's going to have to do the job.\n\nFirst: get your credit report. Most states now have a law on the books that requires all of the credit reporting agencies to give you a credit report once a year. Check it over. Make sure that there are no *mistakes* on it - late payments that were not late, disputed accounts, etc. \n\nLate payments and charged-off accounts stay on for 7 years, bankruptcies for 10. Generally, lenders are looking for patterns of behavior rather than once-in-a-way problems. If you find something wrong (and it's likely, unfortunately), write a letter to the credit bureau, providing documentation that you're right. They have to respond in 30 days; if the creditor can't prove that the negative item is indeed true, it comes off your report.\n\nNow you're down to real debt. If you can't afford the payments, contact the lenders and negotiate reduced payments. They will prefer to be getting something rather than having to write off the debt. Once you can afford to pay everything, commit to paying off the worst (i.e., highest-interest) items first. They cost you the most money that isn't going toward paying off the debt. Once you've killed one, the money you were spending on that one can be applied to the next-worst debt, and so on. The amount you can pay any given creditor snowballs rapidly when you follow this pattern. You have to remember, though, that when the first one is paid off, you don't have "more money". You still need to be committing that to killing your debt.\n\nIf you're out of debt, but your credit is lousy, get a secured card, use it, and pay it off every month. This will do a lot for your credit rating. In addition, open a savings account, and make regular deposits. This shows you are saving money and have a resource to pay your bills.
1121601
Bad Credit usually means you will have difficulty getting financed and when someone does finally loan you money it will be at a very high interest rate. You can probably get a home loan, but it will be 8+% or require a good downpayment.  You can expect upwards of 10% on a car loan, etc.  You are a higher risk, so the bank has to charge you more in case you don't pay them. \n\nBad credit can also prevent you from getting a job.  Many companies now pull credit reports to assess the responsibility of the person.  \n\nAnd don't be late on any more bills. Once you have about 3 years of paying on time, people will start to take a chance on you again. Bad credit stays on your credit report for 7-10 years. \n\nIf you have debts, call the companies and work out payment plans, or call a NOT FOR PROFIT debt counselor, like Consumer Credit Counseling Services
59722
How long have you got?\n\nYou can't wipe out bad credit - no matter what the scam artist will tell you.\n\nYou get rid of your bad credit by paying all of your bills on time from now on.\n\nYou pay off all of your existing bills.\n\nYou buy only what you can afford from now on. And that means a lot of the time you don't buy stuff you want until you've got the cash in your pocket - and even then you might not buy it because you'll use that cash to pay off your bills from before.\n\nYou may be able to negotiate payment plans with some of your creditors, or go to a legitimate credit counselling agency (call you state consumer protection folks for advice) and they may be able to help - but maybe not.\n\nAvoid the scam artists that say they can get you out of debt, now! or the ones who try to get you to establish some kind of a new identity - they're just going to get you in trouble worse than you're in now.\n\nIt sucks. You can't do it overnight. And you're going to be paying inflated interest rates for a long time. Forget those 0% credit offers - you probably won't qualify for the next few years.\n\nBut you'll be better off in the long run. And you'll be a lot richer in the long run, too. How do you think rich folks get that way? They manage their money, they pay their bills, they invest in boring but consistent and safe stuff - like index mutual funds. They put all they can into things like 401k's at work.\n\nYou'll get their, but its going to take patience and slogging and not having a bunch of stuff you want. At least right now. But you can make it, if you're willing to make the sacrifice.\n\nReality bites. But you can learn to deal with it.\n\nGood luck
729282
if you've had bad credit, it's tough to get a credit card, since this is an unsecure loan to you.  settling the debts is pretty bad too because it means you're paying less than amount owed.  best solution to work and rebuild  your credit is to open a secured credit card if need be, use it and pay it promptly and on time. after you are consistently paying this on time.. try again to get a new card.
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
349669
Bad credit has no bearing on a bank account, because it doesn't involve credit.\nYou just need to have money to deposit to create a bank account.
998414
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc). You can get your first set free on an annual basis at annualcreditreport.com.\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcr... for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards unless necessary.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
1089932
Of course, this is exactly WHY you shouldn't allow yourself to GET bad credit.  It is extremely costly, because it forces you to lose out on good opportunities like this.  There's a very high likelihood that you WON'T be able to get credit anywhere.  \n\nHere's what I would consider.  Try some of the high risk credit card lenders.  See if you can get a home-equity line for your home.  You might also be able to depend on 'trade credit' for part of it (foods, etc.), but you'll still need enough to equip the place, and frankly, your choices are very limited due to your past record.  I hope you can find something.  Otherwise, you'll just have to wait 7 years until your credit clears up.\n\nBest of luck to you.
1140390
Start at your local Worksource or Unemployment agency.  They will be able to answer your questions and allow the person to move on with their lives.  Frequently there are agencies that will post a bond to the employee, in the case of a store or something along those lines.\n\nUsually, Fast Food (I know it is crappy work), Construction companies, and a lot of places don't check your background.  Good Luck
571979
There are plenty of lenders that do loans down to 500 fico score. You just need to not have any forclosures or repos. Find a great mortgage broker that specializes in shopping for lending for those with credit issues. Push comes to shove, you can seek a credit repair specialist that can get your score up to a 560 so that you can qualify for a 80/20=100% financing loan in your area. Credit repair is costly, usually $45/line item/credit agency to get rescored, but you must be willing to either pay the debt or have a lawyer "fix" your credit using their methods.
264661
Some employers will do a credit check as part of a background search for a job applicant. Bad credit or a bankruptcy may disqualify you as a possible candidate.
1059603
I have answered this question in a 5 part series. There are a few items that can be done to build credit. Here are some quick ideas:\n\nThe fastest way is to have a family member or friend put you on a credit card of theirs as an authorized user. This allows the history of that account to report to your credit as well, but you never are in debt. (Just be careful that the account you are added to is a good one!)\n\nHowever, this is not a long term solution for good credit... try these for solid established credit over the long haul....\n\nOpen a Credit Union account and get them to provide a secured loan against your savings. If you have bad credit, most traditional and national banks will not give you a loan. They usually want good credit for that.\n\nGet a secured credit card and only use it for gas purchases, once a month and pay it off each month. No debt, but always paid on time... does wonders!\n\nBuying a car can help, but you will have a very high rate with limited or no credit.\n\n\nCheck out the resources below for all the details and more ideas.
454863
Only way you could hope for a loan is from family. You really need to get your credit back on track and keep it that way. Get a credit card or something that will allow you a small monthly payment and keep it up and that way your credit gets back up. Although I know with your bad credit right now most lenders will not want to loan to you and you may be able to find a credit card company that will..Good Luck Nicky