5 Steps For Landing Your Dream Job

Imagine that you finally got the chance to apply for the job you’ve always wanted. You submit your resume and have an introductory interview with the HR manager.

Then a week goes by, and you don’t hear from them. So you wait another week. Yet you still don’t get that call you’ve been anxiously waiting for.

And that’s when your hopes and dreams vanish before your eyes. When you find out there was a problem with your credit check.

Well before you decide to “settle” for an average job that’s easier to get…

Here are 5 simple steps you can follow that will boost your credit score and help you land your dream job.

Step 1. Know your starting line.

Download your free credit report from AnnualCreditReport.com. You can get a free report from each of the 3 major credit bureaus there.

Your credit report is like your financial report card. It tracks all of your past financial activity. This helps lenders and employers determine your money management skills and financial responsibility.

Step 2. Check your credit score.

I suggest either of these two free-to-use sites: CreditKarma.com which gives you your score from TransUnion… or CreditSesame.com which gives you your
score from Experian.

I suggest you find out what your credit score is. The three major credit bureaus call this a FICO score. The higher your score the more trustworthy you are considered to be.

Step 3. Next, you need to identify and fix any errors found on your credit report.

Start with checking your personal information, like social security number, address and correct spelling of your name. To make sure this is your credit report, and not someone else’s.

Next look for any credit accounts that do not belong to you. Then check that your payment history is correct. If you find errors, start by contacting the credit reporting agencies for each item. They are responsible for correcting inaccurate or incomplete information in your report under the Fair Credit Reporting Act.

Next, do the same for each creditor connected with an error you are disputing. Include all the information you provided to the credit bureaus.

Step 4. Get up to date with any accounts you may be behind on now.

If you’re behind and think you need help getting current, contact the creditor to work out a payment plan. Creditors love it when you are talking to them and making an effort to get it right.

Step 5. Improve your score by understanding how your credit score is calculated.

This begins with making your credit payments on time, which is the biggest factor, and accounts for 35% your credit score.

The amount of debt you have accounts for 30% of your credit score. It is imperative that you make a plan to start paying down your debt today, and stick with it.

Identify your credit accounts that charge you the highest interest rates, and work to pay off those accounts first, while still making the minimum payments on your other accounts.

Once your debt with the highest interest rate is paid off, roll the entire amount that was going to that debt to the next highest interest debt.

Related posts:

Summer Fun Program For Your Kids
What Is Your Net Worth?
$1 Billion of Lost Life Insurance?

Please share your comments and questions