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How critical is credit report?

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tradersltd said:
Good to know. I really want to get on with pinnacle flying an RJ. I have wanted a shot like this my entire life and to think my credit would blow it would really suck. Thanks for the input, I really appreciate it!!

ROFLMAO!! Thanks for putting such a big smile on my face as I awoke from my afternoon nap going into day 6 of illegals (Continuous Duty Overnights) here at Cynical (Pinnacle) Airlines... Remember our motto: "We're not happy until you're not happy, and the beatings will continue regardless of whether morale improves or not!" ;)

Mostly joking, don't freak out... :D Seriously, congratulations on the interview. The first year here as an F/O is a bit brutal: 3 months of non-paid ground school and sims, then reserve rules suck, then illegals until you're senior enough to hold a day-trip or 2-3 day trip line, but once you get through that it's pretty cool - sounds like your enthusiasm should carry you through that with no problems. :D

The good news: I just got off the phone with our HR people - they screwed up my deductions for the insurance I have so I had to call anyway - and I asked specifically about the bankruptcy deal. I was told, unless the interviewee's background (places worked and lived) doesn't jive and it raises a red flag during the interview process, that a credit report is NOT pulled at Pinnacle. Our HR's department exact words to me 30 seconds ago: "We don't want to know, it's none of our business, unless they're lying about where they got their flight time". As a result, I STRONGLY suggest NOT bringing it up at an interview unless asked about it... but tell the truth if asked.

Despite what another poster wrote, bad credit does not necessarily make you a bad person, unless it's obvious to see that the person deliberately lived outside of their means as a way of "living large" until their income could no longer keep up with their debt and they knew full-well they'd be filing BR on a bunch of creditors.

When your debt goes through the roof because you get furloughed during a down-turn in the economy (or a group of religious zealouts turn 4 planes into ballistic missiles), or BOTH, and you end up with extended slow-pay periods or file bankruptcy to continue to use the money you are making to put food on the table and buy gas at $2.00 a gallon to go to work, it's not a character flaw. :rolleyes:

That said, don't sweat it at the interview, you have enough on your tray to worry about these kinds of "what ifs"... Your primary concerns right now:

Be able to pass the written with a 70% or better - flunk it and you WILL NOT successfully pass the interview.

Be able to brief a Jeppessen approach plate.

Be knowledgeable on your current aircraft; it shows how well you will remain current on the CRJ if hired.

Have several TOAAT (Tell Us About A Time) stories, there are several interview prep websites out there, run a search and have your stories rehearsed decently (but please don't "rote memorize and repeat" them). Remember, short situation description, longer resolution description, meaning, don't spend 10 minutes telling what happened with the situation then spend 30 seconds telling how you resolved it - it's your resolution they're most interested in.

DON'T BULLSH*T THE ANSWER IF YOU DON'T KNOW IT! Just say you don't know, and if you have a good idea where to look it up, say where you think it would be found and you can look it up if they'd like. B.S.'ing the answer means you might do the same thing in the airplane and give wrong information...

And above all HAVE FUN! Seriously, if you don't smile, don't look like you're generally enjoying being there, and come across as a sour-puss, the interviewer will think "I don't think I'd like to get paired with this guy/gal for a month", and that will be it. Don't be cocky, but be relaxed and smile. Most of the interviewers are drinking buddies, if that gives you any hints about how much they like to relax and have a good time -vs- being irritated they have to be interviewing people (it's a volunteer gig).

Good luck!
 
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Well

I have the same worry I fell on hard times with 4 high impact orthopedic surgeries. Causing my credit and other things to suffer and so now I am worry that after fighting to get healthy and complete my flying that my credit will cost me.
 
Guys your getting all worked up over nothing, correct me if i'm wrong but no airline hiring today from SWA to Colgan checks credit.
 
Guys thank you for the positive input regarding my credit. You have saved me a lot of stress. Thanks again!!
 
Bad credit will sink you at a major interview.

Well id have to say most major airlines arent exactly poster childs for good credit. Kind of hyopcritical for some of the majors to exclude someone for bad credit when many airlines out there have been bankrupt at some point or have flirted with it because of bad debt. Oh well not very many majors are hiring now anyway, get your credit good over the next few years then you can see whos hiring. I dont think ive ever heard of a regional doing a credit check. The waiver you sign usually allows them to grab a "consumer report" on you. That includes court records, driving records, credit reports, etc. ive aksed quite a few people and i havent found a regional yet that runs them.
 
Your credit report is not too critical if you don't plan on buying anything.............Poopy credit = cash only. As far as employers are concerned they may/could pull it to see if you take responsibility for your decisions and obligations. Just my 2 Cents
 
If I was an employer I'd be concerned if they had good credit...
 

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