Bad Credit = No Job!
It has been just over a year since we moved into this house, yet I’m still unemployed. It’s not that I’m not looking for a job, it seems to be a combination of my severe gaps in employment and the Lack of Necessary Credit. So far, we’ve been lucky enough to use money that was set aside, though not for this type of situation but still helpful, however as this money is slowly drying up I find myself in a tight spot. I honestly thought that finding a job would be fairly simple, especially if I’m willing to do just about any job I could find, this however would prove to be a foolish mistake as made evident by the fact that I’m still unemployed.
I decided it was time to look into why I wasn’t being hired, after applying for hundreds of jobs and not getting one interview, when I found out was credit as well as my gaps in employment were the two number one factors for me not getting a job. I should mention that a majority of that time that I was unemployed was spent helping to care for my terminally ill father-in-law, we’ve been living with my in-laws since 2004 but it wasn’t until late 2006 and my father-in-law started to take a turn for the worse. During this time I felt it was important for me to be available 24 hours a day, as my mother-in-law was not the best of health either (though she was not terminally ill). Sadly, my father-in-law passed away late 2008 at which point we continue to live with my mother-in-law for some time, about 1 1/2 years to be exact.during this one a half years we lived with my mother-in-law, she began to have financial trouble, and it was time for me to start looking for work again. well, no work came and my mother-in-law continue to have financial difficulties, so bad did these become in fact that we were forced to start looking for new place to live as was she.
Rushing thinking we had a limited amount of time to find a new place to live, we begin apartment hunting, only to find the price of bread and, way up since last time we were renters. With no disposable income other than the government disability money my wife receives, we had no income and next to nothing saved up.we did have investments and other assets which netted us an extra bit of money every month to help with the bills, but due to not having a job a lot of those investments have had to be liquefied, and the extra money we have every month is running dangerously low. Before I go any further, you might be asking why I’m so willing to share this much personal information, the answer is simple I have nothing to hide and it makes me feel better to get it off my chest. I will say right now, despite what you might be thinking this blog post is not leading up to me asking you for a donation so don’t even get that in your mind, what I’m truly hoping to achieve by writing this blog post is for employers that happened to be checking my social networking sites to get a glimpse a snapshot if you will of where I currently stand so that they can understand why I’ve been unemployed as long as I have. I have no preconceived misconception that this in any way will improve my odds of finding a job, but it was least give an employer perspective, something they may not have otherwise.
Fast-forward to the current day, things are starting to sort of look up, if that doesn’t sound too reassuring let me explain. I have made it no secret that my wife has cerebral palsy, while I consider us both blessed and lucky that it doesn’t hinder her to the point that it does some, is still causes her difficulty. In fact I would be willing to say that the only advantage to her disability to either one of us could see, would be the fact that it qualifies her to get Social Security disability, this is meant the difference between us being able to pay the rent and not being able to pay the rent. All that being said my wife is currently enrolled, or hopes to be enrolled in a program set up by Michigan called Michigan rehabilitation services or MRS for short. Now there are a lot of benefits associated with her being enrolled in MRS, I’m not exactly sure what they all are so not going to mention too much about it here, what I will say is that I’m pretty sure they have a program set up to aid her in finding work. As weird as it sounds for me to say this, she made be employed in a part time job before I can ever land an interview.
So you might be asking what if I done recently to help improve my odds of finding a job, I recently pulled a copy of my credit report along with scores for all three credit bureaus, without going into specifics here, let’s just say that my credit is not as bad as I thought it was, in fact my father who has been on the opposite end of the hiring table told me that these scores should not affect most employers decision to hire me.I can in fact see my credit report were several employers have queried the report, I seem checking my credit for pre-employment evaluation, or in my case the pre-interview evaluation. Something on that credit report must be spooking them because usually, after looking at my credit report the application process stops dead in its tracks. While I might not be able to do anything about the gaps in unemployment,I am hoping that I can do something about the credit issue, in the meantime I can only hope that my wife’s appointment with MRS proves fruitful.
Ok, I think that’s enough of me rambling on for one has to at least be two pages (or maybe not), was hoped this blog post at least as enjoyable for somebody to read. At the very least this blog post will give somebody better insight into me personally what my current situation is (if somebody’s actually interested enough to find out more about me which I doubt).
Comments are welcome, suggestions are also welcome, but please don’t be a jerk about it, in fact if your jerk about your comment will even be posted.