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Job Seekers In 2010 Looking For Higher Paying Jobs Need To Have Great Credit Scores - Credit Expert Mark Garcia Offers Tips For Job Seekers


Nationally recognized credit score expert Mark J. Garcia says millions of Americans are in for a shock when it comes to applying for a high paying job, because many employers seeking to fill these positions will pull credit scores.

While the debate about the legality or ultimate use of pre-employment credit checks goes on, a 2006 study by the Society of Human Resource Management shows that over 40% of medium and large companies conduct some sort of credit score check when performing pre-employment screening of applicants.

“In the current economy, job seekers and those seeking a significant promotion are absolutely affected by this screening process,” says Garcia, author of “Crushing The Credit Bureaus” and founder of “With the U.S. unemployment rate zooming past 10% and with one in seven mortgages in some state of foreclosure - those seeking employment must be absolutely diligent about knowing and protecting their credit scores.”

Garcia says the majority of his students and colleagues over the past 18 months are people who have not been able to maintain payment over some or all of their bills due a job loss, pay cut, or some other financial crisis.

He offers up advice for those with less than perfect credit who are also looking for employment, “Be up front with a current or future employer. Let them know what negative info may exist in a credit report, what steps have been taken to fix it, and most important of all, what lessons have been learned. Everyone has had some sort of financial hiccup or occasional late payment show up on a credit report. The more honest an applicant is from the start, the better the chances are for employment.”

According to Garcia, “this shows the HR department that an applicant is honest about past mistakes and that they have learned from those mistakes. Remember, most employers understand the far reaching impact that this economy has had on all demographic levels. In all honesty, the person conducting your interview might have had their credit scores impacted as well.”

Garcia says that many myths still exist about how a late payment, a foreclosure, or a charge-off will ruin someone’s credit for 7 years or more.“Truth is, even now there are many banks and lending institutions who will work with borrowers that may have negative items on their credit reports, plus there are many, many techniques that an individual can do to improve their credit scores right away.”

By following these techniques, individuals who may have had a negative credit past, will not only present a better fiscal picture to prospective employers, but they will also be on the path to repairing their credit report.

For those job seekers troubled by information in their credit reports, Mark J. Garcia offers free credit repair information and tips at

About Mark J. Garcia:
Nationally recognized credit score expert Mark J. Garcia offers a low-cost, do-it-yourself credit repair program. Garcia speaks nationwide on the problems and challenges with our credit scoring system and how it burdens most of the American public. He created Crushing The Credit Bureaus to expose the rules of the credit scoring system and to to help Americans save hundreds, sometimes thousands of dollars in unnecessary interest payments.


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