OK, I really need to stop reading the news today and just go and play Animal Crossing!!!   So I haven’t been secretive about how my credit is virtually ruined now and how unemployment has gotten me there.  And I am fully aware of the difficulty of attaining a job with bad credit.   But according to this Aol article: 

 http://www.walletpop.com/credit/experian/poor-credit-score-kiss-these-goodbye

I an screwed in more ways than one.  And yes I realize the article was written so Experian can get more customers, but regardless, it is true.  College loans, business loans, home loans, job opportunities, and insurance rates are all impacted by those three numbers.  And I think it is pure shit.  Does the credit score take into consideration that I had stellar credit for 20 years prior to becoming unhappily unemployed?  And since loan interest and insurance rates will be higher, when I do find a job, I will end up paying more money out just because of one year of bad credit.  It certainly doesn’t seem right.

And why can’t anyone tell me the exact formula for figuring out my credit score?  You know it all depends on this, or that, and it is so complicated that the average joe just can’t do the math for him/herself.  That seems F’d up to me.  I want to know exactly how the credit score is figured out, after all, it certainly impacts me greatly!  Don’t I have the right to know how “they” grade me?  Just who are “they” anyway???  So many questions….. 

The whole credit system in America needs to be overhauled.  Take that on next Obama!!  Please before I do have to get college loans for my kids!!! 

Iz

Top Items I Hate About Looking For A Job….

1. Salary History

I don’t know about you, but I certainly don’t remember my salary history for the past 15 years.  Sure I can estimate, but give accurate amounts…no way!

1. Salary Request

I always hate this one.  Go too high and they write you off, go to low, and you wind up underpaid for the length of your tenure.  What is the right salary request?

1. Employment Dates

Again, I can’t remember all the exact dates I went from job to job.  I stayed at the same company for 15 years and was promoted to various positions.  There is no way I can remember the exact dates I was in different positions!

1. Previous Supervisor Contact Information

This one is crappy too!  Quite frankly all my previous supervisors aren’t there anymore, so I have no idea on how to get a hold of them now.  When you worked for a company who laid people off 3 quarters of the year to make the numbers, you just don’t keep in contact. 

1. Personality Tests

I have a great personality, but there are plenty of companies out there marketing their product to say differently.  Whatever happened to proven experience???  You can’t even get in the door until you pass the test that says if you would be a good fit or not.  How does one test say all that??? 

1. Credit Checks

Can’t say enough about this one.  Just because someone has hit upon some hard times, does that make them a loser for life???   Apparently so if the company wants to do credit checks before they will even interview you.

1. Previous Addresses/ Employer Addresses

Here is another one that is difficult to remember.  If you haven’t lived in the same place for 7 years, get your previous addresses together now!  How can I remember?   And the employer address is another one that is not that easy to remember.  Thank God for Google!!!

1. Lengthy Application Process

Wow could the employment world benefit from one application that can be submitted for all.  There are plenty of companies out there who have their own application process and they are long!!!  Why submit a resume if you end up having to type all the information over again in their own employment application process???  What is the resume for again???  And I just love those systems who parse out the info from your resume.  Who quality checked those apps?????? 

OK done venting now!  But if you are looking for a job like me, keep this info in mind.  Save yourself some time and create a cheat sheet with the above info.  And good luck keeping your sanity through this process!!!

Iz