I've applied for a new position with my company, and have been awarded the job pending a background and credit check. It's not a financial institution, but is a quasi management role.
Background is of no concern, no tickets, no jail, no nothing.
For the credit check I have no clue. I pulled my report, and there's nothing on it as far as negative factors. No judgments, no collections, no missed payments in 10+ years. But I DO have a significant amount of revolving debt. I think I'm @ 65% of my limits, so my accounts aren't maxed out.
I also have two homes I'm paying for, but one's covered by a renter, who is in the process of buying it right now. They're not likely to complete the purchase of the home by the time my report's pulled. I have two vehicles with loans, I owe <$4000 and < $6000 and I only owe $24000 on my current home.
So, everything is below what I imagine the national average to be aside from my revolving. Revolving has been accrued slowly from a remodel (followed by a move before we even got to enjoy the new digs) and various other things. Again, all payments are on time, and generally exceed the minimum payment due.
What are they checking for, and any idea what would preclude an applicant?
Background is of no concern, no tickets, no jail, no nothing.
For the credit check I have no clue. I pulled my report, and there's nothing on it as far as negative factors. No judgments, no collections, no missed payments in 10+ years. But I DO have a significant amount of revolving debt. I think I'm @ 65% of my limits, so my accounts aren't maxed out.
I also have two homes I'm paying for, but one's covered by a renter, who is in the process of buying it right now. They're not likely to complete the purchase of the home by the time my report's pulled. I have two vehicles with loans, I owe <$4000 and < $6000 and I only owe $24000 on my current home.
So, everything is below what I imagine the national average to be aside from my revolving. Revolving has been accrued slowly from a remodel (followed by a move before we even got to enjoy the new digs) and various other things. Again, all payments are on time, and generally exceed the minimum payment due.
What are they checking for, and any idea what would preclude an applicant?
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