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Experience outweigh Bad Credit

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Posted over 2 years ago

 

I am applying for a new agency and have bad credit.  Prior bankruptcy, and behind on payments ( I am working with those creditors to get everything back on track).  I have 8 years experience as a police officer.  I have been with the same agency since I finished the police adacemy.  Looking for advice and opinions on if previous experience and work history will outweigh bad credit?

2012-09-24_22-41-56_408_max50

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Rate This | Posted over 2 years ago

 

Your credit is generally viewed as an indicator of your Integrity, sense of duty, and honor. Bad credit is looked upon very negativly.


Considering your past experience, you may be able to get a recruiter to overlook it as long as you can justify it. As in, if the bankrupcy was due to a messy divorce, natural disaster, personal tragedy etc....


It certainly will not hurt to be up front and honest, and just ask.


IF you are currently employed, and that is not going to change against your will, you might want to consider sticking it out theer until your credit situation improves.


In a world where there are Sheep and Wolves,
I am the Sheepdog.
Ranger Up!

I am NOT a hero
but I know a few

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Having a bankruptcy and poor credit rating is not necessarily the kiss of death,BUT the powers that be will definately take this into account.If you are currently with an agancy where you are a sgt. I would definately stay with them.Better than taking a chance on unemployment.---In this instance I must bump my friend ScjohnK

Wredcedar_max50

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Rate This | Posted over 2 years ago

 

Bump both previous posters.  Even if you are as honest as Abe Lincoln, someone in your postion can be seen a an officer who might potentially be tempted to go to the dark side for financial gain.  Things like seizing cash and failing to turn all of it in, stealing additional items from a burglary scene and the like.


Being up front with the agency you are applying at will certainly help you.

White_shirt_max50

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Rate This | Posted over 2 years ago

 

Go to those you owe a debt and set up payment schedules. This will shout volumes. In todays times most departments should be understanding. Good advice from the others.

1979_max50

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Rate This | Posted over 2 years ago

 

You better stay where you are. It is somewhat surprising that you are still employed as this bad credit brings a whole lot of questions about your ability to make sound decisions. Now I know that there are things that can happen that can seriously harm your credit, especially now but you really need to stay right where you are for the time being.

Th_policeavatar_2__max50

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Robocop33 says ...



You better stay where you are. It is somewhat surprising that you are still employed as this bad credit brings a whole lot of questions about your ability to make sound decisions. Now I know that there are things that can happen that can seriously harm your credit, especially now but you really need to stay right where you are for the time being.



 


EXACTLY!


""Life is a storm.. You will bask in the sunlight one moment, be shattered on the rocks the next. What makes you a man is what you do when that storm comes"
Alexander Dumas-The Count of Monte Christo

Army_max50

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Rate This | Posted over 2 years ago

 

 yes bad  credit is viewed as not good in the eyes of most agencys, however, if you are working with the crediters that shows that you are willing to pay back your debts witch will help your case, lets look at the bright side of things , most people these day have bad credit, so i would say that you are on the right path as far as paying it back.


“In honor, there is hope”

Th_policeavatar_2__max50

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jpainter2728 says ...



 yes bad  credit is viewed as not good in the eyes of most agencys, however, if you are working with the crediters that shows that you are willing to pay back your debts witch will help your case, lets look at the bright side of things , most people these day have bad credit, so i would say that you are on the right path as far as paying it back.



 


"most people have bad credit"? Can you back that up? We seem to have a large pool of applicants every year with very good credit. 


Yes there is always the slightest of chances but those hires are few and far between.


""Life is a storm.. You will bask in the sunlight one moment, be shattered on the rocks the next. What makes you a man is what you do when that storm comes"
Alexander Dumas-The Count of Monte Christo

Wredcedar_max50

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Rate This | Posted over 2 years ago

 

Go to the news section and check out the article "Former Phoenix police sergeant probed for pocketing cash"  where an officer took cash from a burglary scene, this is the sort of things a department fears can happen if you have bad credit.


and i woud say w/o proof also that 'most people have good credit'

2012-09-24_22-41-56_408_max50

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Rate This | Posted over 2 years ago

 

 I have excellent credit. But I dodn't always. I went through a very expensive divorce 15 years ago. I lost everything. I was working 4 jobs, sleeping 2-3 hours a night and still not getting anywhere. I ended up in bankrupcy. All of this was completly beyond my control. I am certain that were I going through the recruitment process, it would have been rough, however, I am sure I could have been able to explain my situation. 


Having learned my lesson, I've spent the last 15 years building my credit very carefully. I now have what is considered excellent credit. Whatever situation you are in, you can overcome it.


I recommend what everyone else said. Have a plan to pay off your creditors, whether that is consumer credit counseling, or simply paying them on time every month. Be able to explain exactly how you ended up in the bad credit situation, and whatever you do, be completly open, up front, and honest.


In a world where there are Sheep and Wolves,
I am the Sheepdog.
Ranger Up!

I am NOT a hero
but I know a few

Army_max50

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SGT405 says ...



jpainter2728 says ...



 yes bad  credit is viewed as not good in the eyes of most agencys, however, if you are working with the crediters that shows that you are willing to pay back your debts witch will help your case, lets look at the bright side of things , most people these day have bad credit, so i would say that you are on the right path as far as paying it back.



 


"most people have bad credit"? Can you back that up? We seem to have a large pool of applicants every year with very good credit. 


Yes there is always the slightest of chances but those hires are few and far between.



 


    Iam sure that there are alot of people with good credit that are applying for jobs, how compared to lets say 10 years ago, seeing people with credit issues is much more commen today, what i was pointing out was that he is not alone with having bad credit.


“In honor, there is hope”

Th_policeavatar_2__max50

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jpainter2728 says ...



SGT405 says ...



jpainter2728 says ...



 yes bad  credit is viewed as not good in the eyes of most agencys, however, if you are working with the crediters that shows that you are willing to pay back your debts witch will help your case, lets look at the bright side of things , most people these day have bad credit, so i would say that you are on the right path as far as paying it back.



 


"most people have bad credit"? Can you back that up? We seem to have a large pool of applicants every year with very good credit. 


Yes there is always the slightest of chances but those hires are few and far between.



 


    Iam sure that there are alot of people with good credit that are applying for jobs, how compared to lets say 10 years ago, seeing people with credit issues is much more commen today, what i was pointing out was that he is not alone with having bad credit.



 


 


So what you are saying is that because other people have bad credit and its more prevalent depts. should excuse it? Your credit is not just a reflection of your character and life skills but how well you manage your own life. If you have to resort to the "everyone does it" excuse you won't get far.


""Life is a storm.. You will bask in the sunlight one moment, be shattered on the rocks the next. What makes you a man is what you do when that storm comes"
Alexander Dumas-The Count of Monte Christo

Army_max50

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SGT405 says ...



jpainter2728 says ...



SGT405 says ...



jpainter2728 says ...



 yes bad  credit is viewed as not good in the eyes of most agencys, however, if you are working with the crediters that shows that you are willing to pay back your debts witch will help your case, lets look at the bright side of things , most people these day have bad credit, so i would say that you are on the right path as far as paying it back.



 


"most people have bad credit"? Can you back that up? We seem to have a large pool of applicants every year with very good credit. 


Yes there is always the slightest of chances but those hires are few and far between.



 


    Iam sure that there are alot of people with good credit that are applying for jobs, how compared to lets say 10 years ago, seeing people with credit issues is much more commen today, what i was pointing out was that he is not alone with having bad credit.



 


 


So what you are saying is that because other people have bad credit and its more prevalent depts. should excuse it? Your credit is not just a reflection of your character and life skills but how well you manage your own life. If you have to resort to the "everyone does it" excuse you won't get far.



  That is not waht i am saying, and i dont think that there is an excuse for it, but i do think  that things can happen, you can have really good credit and get a in to a bad car accedent and you fall behind on your bill that can mess up your credit, so i am not saying that it is an excuse just that things can happen that are not in your controle, and that does not make you a bad person or a "reflection of your character nad life skills"


“In honor, there is hope”

Schultz3_max50

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Rate This | Posted over 2 years ago

 

It is interesting that a person with 8 years of police experience is asking this question. You should know the answer, buddy. It is going to depend on what you bring to the table. In 8 years, you should have plenty of training, maybe you're an FTO or have some special assignment in the department you are in.....or your 8 years could have been spent doing the minimums. What you did with the 8 years will be the biggest determination of your marketability. If the years were good enough, a department can overlook bad credit to some extent.

Just_passin__thru_max50

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Rate This | Posted over 2 years ago

 

Bad credit used to be a type of immediate disqualifier. Today, it is discussed and reviewed. This is mainly due to 'these economic times'. It isn't always a fatal career condition.


Bad credit is now broken down into categories: credit card debt, mortgage debt, bank loans, car loans, student loans, alimony, etc. Each has an 'answer'. You can potentially be in the rears on your mortgage but current with credit card payments. You might be a dead-beat dad who is not current with child support but current with eveything else. You might have the three major credit reporting bureaus (Equifax, TranUnion & Experian) that are inconsistent with their databases. You might be behind in your student loans.  Of course, there are more scenarios.


All of these have different economic responses and can be weighted very differently depending on the agency to whom you want to be employed.


The general answers to all of there are:


1. Be current. They don't have to be paid off, just current.


2. Be in contact with them. This will generally keep credit problems from being reported to the credit bureaus.


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Just_passin__thru_max50

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bump


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Rafngreenblack_max50

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pol123 says ...



I am applying for a new agency and have bad credit.  Prior bankruptcy, and behind on payments ( I am working with those creditors to get everything back on track).  I have 8 years experience as a police officer.  I have been with the same agency since I finished the police adacemy.  Looking for advice and opinions on if previous experience and work history will outweigh bad credit?



Just in case, here's the original post for future reference. I'm not implying the OP is going anywhere, but.....