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Cafepharma Message Boards | Pharma Sales, Device Sales, Lab Sales
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<p>[QUOTE="anonymous, post: 5601537"]My take on credit comes from experience. I was employed with a big pharma company and filed a chapter 13, 6 years ago, got laid off and interviewed with others. I was hired by a major contract company; when he told me they would do a background check I was proactive in telling him bankruptcy would be on my report. He said we dont do credit on rep jobs due to not handling money, finances, etc. I got denied for amex and was able to use my master card which I got a few years out of bk for this very reason. I then was laid off from this contract due to contract ending. I got offer from a smaller pharma company and again let them know about credit and they informed me that they didnt check credit unless hiring for a financial position, ie: accountant, CFO, etc. I also learned that those with a BK that are denied usually have public records liens, judgement, past due child support, IRS levies, etc that may affect work performance. So, if you say I have an old BK on report make sure it is old and not relevant to what is going on today with your finances. If you are drowning in levies, judgements , etc that is what is killing your job offer not the old BK that is closed out and not affecting. As far as Amex goes, many companies will offer an override. In fact both companies I was hired by had a paragraph on the amex form you sign that if you cant get one based on credit denial, company may override or you may use your own credit card to pay for expenses. So, for what its worth, thats my side of the story......So call me a dead beat , child had major medical bills so it was treat and have her live, or not to treat and have her die...[/QUOTE]</p><p><br /></p>
[QUOTE="anonymous, post: 5601537"]My take on credit comes from experience. I was employed with a big pharma company and filed a chapter 13, 6 years ago, got laid off and interviewed with others. I was hired by a major contract company; when he told me they would do a background check I was proactive in telling him bankruptcy would be on my report. He said we dont do credit on rep jobs due to not handling money, finances, etc. I got denied for amex and was able to use my master card which I got a few years out of bk for this very reason. I then was laid off from this contract due to contract ending. I got offer from a smaller pharma company and again let them know about credit and they informed me that they didnt check credit unless hiring for a financial position, ie: accountant, CFO, etc. I also learned that those with a BK that are denied usually have public records liens, judgement, past due child support, IRS levies, etc that may affect work performance. So, if you say I have an old BK on report make sure it is old and not relevant to what is going on today with your finances. If you are drowning in levies, judgements , etc that is what is killing your job offer not the old BK that is closed out and not affecting. As far as Amex goes, many companies will offer an override. In fact both companies I was hired by had a paragraph on the amex form you sign that if you cant get one based on credit denial, company may override or you may use your own credit card to pay for expenses. So, for what its worth, thats my side of the story......So call me a dead beat , child had major medical bills so it was treat and have her live, or not to treat and have her die...[/QUOTE]
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Cafepharma Message Boards | Pharma Sales, Device Sales, Lab Sales
Home
Forums
>
General Discussion
>
Industry Veterans
>
What does "employment verification"
>
Cafepharma Message Boards | Pharma Sales, Device Sales, Lab Sales
Home
Forums
>
General Discussion
>
Industry Veterans
>
What does "employment verification"
>