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Advise on improving my credit!

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  • Advise on improving my credit!

    I am seeking to start applying for employment with several of the local police departments in the Phoenix Metropolitian area. But before I proceed in seeking employment, I need to improve my credit that I had ruined when I was younger.

    My credit is the only thing I am worried about when it comes to applying for a Law Enforcement job. I know having good credit shows that you are a responsible person and shows that you will not be so easily bribed for money if you don't have money troubles.

    I am planning to register myself in a local community college and take a money mangement course so I can get my credit and finances in order.

    Besides taking this money mangement course in getting my finances in order, is there anything else I can do to improve my credit and improve my chances in getting a job with a police force?

  • #2
    i had the same isssue with my credit. Most of my stuff was a 4-6 years old. i was reffered this company. I did use them and they worked for me. http://www.aacr-llc.com

    give them a call, the guy i talked to was Kenny. Hope this helps.

    The only other thing i can tell you is search for letters to write the companys to settle, or becareful to pay off bills that you have not been touched for a few years. For instance, if you have a charge off and you have not touched it for 5 years in 2 more years it is off your credit no matter what. If you try to settle and you work somthing out and you settle it will show on your credit for 7 years from the date you settled. So unfortunatly you would be better off not touching it. That is just somthing i learned along the way. Good luck to you.
    Trust in the Lord with all your heart and lean not on your own understanding.
    Proversb 3:5

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    • #3
      Originally posted by italyn View Post
      i had the same isssue with my credit. Most of my stuff was a 4-6 years old. i was reffered this company. I did use them and they worked for me. http://www.aacr-llc.com

      give them a call, the guy i talked to was Kenny. Hope this helps.

      The only other thing i can tell you is search for letters to write the companys to settle, or becareful to pay off bills that you have not been touched for a few years. For instance, if you have a charge off and you have not touched it for 5 years in 2 more years it is off your credit no matter what. If you try to settle and you work somthing out and you settle it will show on your credit for 7 years from the date you settled. So unfortunatly you would be better off not touching it. That is just somthing i learned along the way. Good luck to you.
      Thanks for the advise!

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      • #4
        I learned the hard way. Check your credit al least once a year. You can get 1free credit report a year. Also, check yourself. Don't trust that your spouse took care of anything.

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        • #5
          Step 1: Cut up the credit cards
          Step 2: Burn the pieces.
          Step 3: Vow to never have one ever again.

          I used to be in your situation and it kept me from being hired several times. I called Consumer Credit Counseling and they bailed me out and helped me. My interest rates on the different cards dropped from around 30% to 7% (and on two as low as 0).

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