How to Respond to Interview Questions on Consumer Credit Default
Job interviews are nerve-racking anyway, but worrying that someone will ask about your negative credit history is even more stressful. It's very common for employers to ask potential employees for their credit reports, which can leave you feeling vulnerable during the interview. If you suspect you'll be asked about negative marks or defaults on your credit report, there are tactics you can use to get through the uneasiness and still ace your interview.
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Instructions
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Obtain a copy of your credit report before the interview and make sure there aren't mistakes on it. You can get a free credit report once a year from each of the three credit bureaus by going to the Annual Credit Report website (See Resources). The Fair Credit Reporting Act protects job seekers who need to show their credit reports to potential employers by enforcing the consumer's right to an accurate and up-to-date report. If you find a mistake on your credit report, you can dispute it and possibly have it removed.
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Answer honestly about your credit history. If you attempt to lie or cover up your credit problems, the truth probably will come out and you will not get the job. No one wants to hire a liar. But if you tell the truth from the beginning, no one will be surprised when he sees your credit report, and you might still have a chance.
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Explain your credit defaults to the interviewer. If you have proof that helps your explanation, bring it to the interview. Don't blame anyone else for the credit default -- unless you were the victim of identity theft -- but explain clearly why you won't default on credit again in the future.
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References
Resources
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