Credit Report?

[NEDude]

Anyone have an idea on how much a persons credit report will play into the final decision?

My credit isn't great. There are no bankruptcies or judgements, and I have been able to get financed for a car and house in the past few years. Mostly a lot of little stuff from a few years ago that is slowing being cleaned up. But I am concerned about it. I am doing what I need to do to clean it up but worried I may get the call before I can get it sparkling clean. Any idea on what the airlines would be looking for in a credit report and how much weight is placed on it when it comes to hiring?

 

[michael707767]

Anyone have an idea on how much a persons credit report will play into the final decision?

My credit isn't great. There are no bankruptcies or judgements, and I have been able to get financed for a car and house in the past few years. Mostly a lot of little stuff from a few years ago that is slowing being cleaned up. But I am concerned about it. I am doing what I need to do to clean it up but worried I may get the call before I can get it sparkling clean. Any idea on what the airlines would be looking for in a credit report and how much weight is placed on it when it comes to hiring?

FWIW, my wife works in HR, and at her company one of the biggest things they look at is your credit report. Its not an airline, but I suspect all companies are now looking at it. Pay your bills on time folks.

 

[Gulfstream 200]

Anyone have an idea on how much a persons credit report will play into the final decision?

My credit isn't great. There are no bankruptcies or judgements, and I have been able to get financed for a car and house in the past few years. Mostly a lot of little stuff from a few years ago that is slowing being cleaned up. But I am concerned about it. I am doing what I need to do to clean it up but worried I may get the call before I can get it sparkling clean. Any idea on what the airlines would be looking for in a credit report and how much weight is placed on it when it comes to hiring?

If you qualify for a car and a house loan I think you are OK for an airline job...

companies are looking for trends - bankruptcies, defaults, etc....

they are not looking at your "credit score"....

thats is, unless you are PFT!!!!

dont sweat it, most airline new hires dont have stellar credit I imagine..how do you on new hire money?

 

[Hipster Loser]

Hmmmm...

I've had a bankruptcy a few years ago. I hope that doesn't hurt my chances. Excellent credit now. Since the bankruptcy, Ive been given $20,000 in credit cards from various banks. I've kept no balances and pay in full almost every month.

Is this something they ask you about in the interview?

Things were tough and I had to declare bkrptcy.

Isn't it discrimination to base on past credit history. can you not be liable if you dont hire due to this ?

 

[jehtplane]

Hmmmm...

I've had a bankruptcy a few years ago. I hope that doesn't hurt my chances. Excellent credit now. Since the bankruptcy, Ive been given $20,000 in credit cards from various banks. I've kept no balances and pay in full almost every month.

Is this something they ask you about in the interview?

Things were tough and I had to declare bkrptcy.

Isn't it discrimination to base on past credit history. can you not be liable if you dont hire due to this ?

Don't sweat it dude, you be allright

 

[Hipster Loser]

Don't sweat it dude, you be allright

hey man, are you being sarcastic.

I hope this wont be much of a problem for me. I cant see it beign something they'd ask in an interview, but I do know that employers will look at credit history.

anyone have knowledge or a bankruptcy in the past and got hired?

thanks

 

[Goose17]

Hmmmm...


Isn't it discrimination to base on past credit history. can you not be liable if you dont hire due to this ?

You can be held accountable for everything you do in the past. This is not discrimination. How about checkride failures or a criminal history. Everything can and will be held against you.

Goose17

 

[Hipster Loser]

You can be held accountable for everything you do in the past. This is not discrimination. How about checkride failures or a criminal history. Everything can and will be held against you.

Goose17

I know they ask for criminal history checks. like past 10 years.

what if you have one but its more than 10 yrs ago?
it doesnt have to be listed, right?

 

[PropsR4Boats]

What did you do in your previous life? Own a bunch of stock in Enron and beat a VP with a bat?

 

[jehtplane]

hey man, are you being sarcastic.

I hope this wont be much of a problem for me. I cant see it beign something they'd ask in an interview, but I do know that employers will look at credit history.

anyone have knowledge or a bankruptcy in the past and got hired?

thanks

nope, no sarcasm.

 

[jehtplane]

I know they ask for criminal history checks. like past 10 years.

what if you have one but its more than 10 yrs ago?
it doesnt have to be listed, right?

Disclose everything when asked, or risk being thrown out of class.

 

[GogglesPisano]

If you are interviewing at an airline which once declared bankuptcy itself, I think they are being a little hypocritical to hold it against you.And that list is a long one.

 

[NEDude]

I know they ask for criminal history checks. like past 10 years.

what if you have one but its more than 10 yrs ago?
it doesnt have to be listed, right?

We just had a guy who was terminated out of a new-hire class for failing to disclose a felony conviction more than ten years old. All of the background information asked for ten years worth, but they were also asked if they had ever been convicted. So yes, list it.

 

[Goose17]

wrong focus

I don't think you should be trying to hide problems of the past in hopes the future employer will not find out. First off, they probably will. Secondly, it will give you a lot of stress going into an interview.

Divulge everything that has ever been in print. Hopefully you will be selected for an interview and you can walk in with a clean conscience. If the interviewer asks about the _____ (bankrupcy, conviction, failed checkride, etc), tell them all the facts. Then turn the story into a positive. Describe how the happened and then how much you've learned from the issue. If you show confidence and growth, and the ability to calmly talk about a past negative issue, I think you will have a successful outcome.

Goose17

 

[Thedude]

I am curious to know what airlines/operators you have been applying to that check your credit. Remember they cannot check your credit unless you sign the proper form/waiver.

 

[Hipster Loser]

If you are interviewing at an airline which once declared bankuptcy itself, I think they are being a little hypocritical to hold it against you.And that list is a long one.

good point! they are just as guilty

 

[NEDude]

I am curious to know what airlines/operators you have been applying to that check your credit. Remember they cannot check your credit unless you sign the proper form/waiver.

Southwest asks you to sign a credit check authorization at the end of their application.

 

[USNFDX]

Airlines/comapanies are looking at your decision making history. A track record of bad decisions whether it be failed checkrides, speeding tickets, DUIs, poor academic achievement, and yes even credit history, are likely determinents of future behavior.

Nobody is perfect and they know that, so they look at the "big" picture. If you have a clean record but had trouble making ends meet when you were furloughed it would not be an issue.

However,

Say you had bad grades, tickets, a failed checkride or three, late or missed payments because you bought both the harley and the boat then you have established a trend or "big picture" of poor judgement.

 

[michael707767]

You can be held accountable for everything you do in the past. This is not discrimination. How about checkride failures or a criminal history. Everything can and will be held against you.

Goose17

The best predictor of future behavior is past behavior.

 

[atrdriver]

Most airlines do a credit check, but how much weight they apply to it probably depends on hpw bad they need pilots. ASA as gone through several periods where the main requirement was to be able to fog a mirror, and that was waivable.