Consumer Credit Reports – equifax experian score

PlasticTrees asked:


I went in for an application, and they said to come back on tuesday to do it and 2 computer tests.. as well as my first interview and to bring my ID. Does it sound like they’re hiring everyone, as long as they’re not idiots? It sounds like they plan to hire me if I have to bring my ID, right?

Should I worry if they’ll ask for a consumer background check (credit report)? My credit is horrible and I’ve been turned down for jobs because of it.

It’s a telemarketing job that works with people and their accounts.

LIONEL

Dann asked:


I have been offered a GS13 level position within a federal agency, and I am about to proceed with the first background check (prior to both my start date, and full blown security investigation). I have about 70K in student loans, a few K left to pay on my car, and about 15K in revolving debt. Despite these debts, my consumer credit rating is over 750 and I have never been late paying any of my bills. I am however concerned that the 15k in revolving (i.e. credit card debt)accounts will draw a red flag. What is the threshold for revolving debt in the federal hiring process? Do they pay more attention to the underlying habits (i.e. on-time payments) as do the consumer reporting agencies, or will they disqualify me for having a relatively high credit card load?

BOBBY

Sye S asked:


I have been in touch with a company who said they can add seasoned tradelines to my credit report to boost my score over time. However, in doing some research online, I fopund that a lot of lenders are trying to combat against this practice by ignoring “authorized user” accounts and the points they add to your credit score. I believe this practice began some time last year.

Is there anyone who has had seasoned tradelines added since then in the recent past who has seen some form of improvement to their score AND been able to get a loan (i.e. home, car, etc) with the improved score and tradelines completely considered? I would like to know if this is still a beneficial practice before I spend 800 to add one to my report.

Please, only consumers, not companies trying boost their services. Preferably someone who got through with a loan after adding seasoned tradeleines. Thanks!

ANDREA