Background checks Forum

Anonymous User · Post by **Anonymous User** » Wed Oct 27, 2010 1:18 pm

Does anyone know what sort of info firms will unearth..?

I think I have bad credit

Anonymous User · Post by **Anonymous User** » Wed Oct 27, 2010 1:33 pm

If you aren't sure why don't you just get a credit report? At least to make sure it's accurate. As long as you haven't been seriously defaulting / a serial bankruptor I think you'll be fine.

dood · Post by **dood** » Wed Oct 27, 2010 1:43 pm

Jessep · Post by **Jessep** » Wed Oct 27, 2010 2:05 pm

Dood, you are a jackass. I'm calling bullshit on that 700 score credit requirement. I know several junior associates in big law with not so great credit scores. Maybe some firms are that picky, but most aren't. Additionally, 700 is a fairly high credit score. Firms are not worried about someone with mediocre credit.

dood · Post by **dood** » Wed Oct 27, 2010 2:16 pm

pasteurizedmilk · Post by **pasteurizedmilk** » Wed Oct 27, 2010 2:22 pm

dood wrote:a TRUSTED SOURCE told me anything below a 700 will ding you from top firms. here are some anecdotal articles about bad credit and jorbs in general:

http://online.wsj.com/article/SB1000142 ... 26180.html
http://online.wsj.com/article/SB1000142 ... 71086.html

i have a credit score of 753, HTH FRIEND

Did your TRUSTED SOURCE not explain that the raw credit score is 1 variable of many they examine?

A weak score due to 1 late payment and a lack of credit history will probably not be a huge deal. A weak score due to consistently defaulting, bankruptcy or a habit of very late payments is a different story.

dood · Post by **dood** » Wed Oct 27, 2010 2:28 pm

anstud06 · Post by **anstud06** » Wed Oct 27, 2010 2:30 pm

@dood - I just wasted $1 because of you to find my credit score is 730.

dood · Post by **dood** » Wed Oct 27, 2010 2:31 pm

anstud06 · Post by **anstud06** » Wed Oct 27, 2010 2:33 pm

It's a waste because I panicked to get my score upon your revelation when I'm sure you can probably get it for free lol.

Kohinoor · Post by **Kohinoor** » Wed Oct 27, 2010 2:34 pm

anstud06 wrote:@dood - I just wasted $1 because of you to find my credit score is 730.

Mine is bigger than yours.

Ahhhnold · Post by **Ahhhnold** » Wed Oct 27, 2010 2:47 pm

Kohinoor wrote:
anstud06 wrote:@dood - I just wasted $1 because of you to find my credit score is 730.
Mine is bigger than yours.

Does it top >800?

pasteurizedmilk · Post by **pasteurizedmilk** » Wed Oct 27, 2010 2:50 pm

You can tell dood is reliable by his posting history - check it out.

Don't be fooled by the flame, TLSers. Unless you have a history of very bad financial management (you know who you are), you're probably fine.

vamedic03 · Post by **vamedic03** » Thu Oct 28, 2010 8:03 pm

dood wrote:my apologies. let me clarify: there is no hard and fast rule that every single firm follows. but as a rule of thumb: dont fuck up your credit score because a majority of firms will consider it. whether they ding you on a bad credit score alone, or what number = "bad" varies from firm to firm. the anecdotal evidence from my CDO is that the higher ranked or perceived more "white shoe" a firm, the more rigorous the background check and the more importance they may place on your credit score.

Quit the flaming... people are stressed enough as it is. I hope you have better things to do in life than freak out people.

Unless you have some serious, serious credit issues, your V10 isn't going to withdraw your offer.

pasteurizedmilk · Post by **pasteurizedmilk** » Thu Oct 28, 2010 9:35 pm

vamedic03 wrote:
dood wrote:my apologies. let me clarify: there is no hard and fast rule that every single firm follows. but as a rule of thumb: dont fuck up your credit score because a majority of firms will consider it. whether they ding you on a bad credit score alone, or what number = "bad" varies from firm to firm. the anecdotal evidence from my CDO is that the higher ranked or perceived more "white shoe" a firm, the more rigorous the background check and the more importance they may place on your credit score.
Quit the flaming... people are stressed enough as it is. I hope you have better things to do in life than freak out people.

Unless you have some serious, serious credit issues, your V10 isn't going to withdraw your offer.

Exactly. A consistent pattern of irresponsibility could be a problem. A blemish here or there? Not so much.

Common sense people.

Anonymous User · Post by **Anonymous User** » Thu Oct 28, 2010 10:38 pm

what about an arrest that did not result in any conviction. . .

Dr. Van Nostrand · Post by **Dr. Van Nostrand** » Fri Oct 29, 2010 10:01 am

The stress levels on these types of threads is unreal. Seriously guys/gals, stop worrying so much about the small minutia. Be happy if you have an offer. I agree with all the above posters that consistent poor behavior could result in negative ramifications, but everyone makes mistakes - I think one slip up is not going to result in your career being over. Seriously, take a breath, relax, and roll with the punches. Best advice, IF they ask about such things, just be completely forthright and never lie, period.

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