Jobs for People Who Have No Credit
Life without a credit rating, or with a bad credit, is expensive. It can even affect your ability to find gainful employment and virtually eliminates the possibility of a career in finance. There are, however, several jobs and career paths that do not consider your credit rating as integral to the hiring process. Securing one of these jobs can help you establish your credit and make it easier to find a new job or get a promotion in the future.
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Service Industries
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Retail chains, restaurants and bars rarely run credit checks as a condition of employment. The hiring process is usually faster, enabling applicants to secure a new job in as little as one interview with a manager or supervisor. The upside of a serving job or bartending gig is the cash. Bartenders and servers usually leave each shift with cash tips. This turns every shift into a payday as opposed to waiting for a check every two weeks. Retail clerk jobs usually pay minimum wage but can offer longer hours and may even have benefits packages including health insurance for full-time employees.
Small Business Employers
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Apply for jobs with local business owners. Small businesses are less likely to run financial background checks on job applicants because the costs of doing so can quickly outpace the benefits. Securing a job with a locally owned small business increases a worker's presence in the community and may give her sufficient time to establish a positive credit history. This can help her move into a higher paying position with a larger company which may require some form of credit background check.
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Freelance Contracting
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Freelance contracting in fields of manual labor, including construction or building inspection, does not usually require a credit check. Contractors must usually acquire certification in a particular field to legally offer services. Attaining proper licensure usually involves passing a state-administered certification exam after completing a training program given through an accredited program offer by a community college or technical school in the state. Freelance building inspection requires virtually no tools while freelance construction does require the purchase of a variety of equipment depending on the nature of the building project.
Government Employment
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Government jobs that do not directly work with money, including teaching in public schools and postal service employment, do not require credit checks. Certification and a four-year college degree is necessary to become a teacher while the U.S. Postal Service requires candidates to successfully complete a civil service test prior to hire. Government positions offer job security, guaranteed retirement benefits and wages comparable to those found in the private sector.
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