- Platinum Member
- Posts: 93
- Joined: Wed Aug 17, 2011 10:53 pm
- Location: USA
I agree with both Doing Homework and ooxs.
Be happy that you ARE on the right track to repairing your credit and whatever you do, DON'T involve your company by asking for a business expense-related credit card because that could end up running you an inquiry in regards to your credit history which is - in my honest opinion - the last thing you need done.
Regardless of the fact that many Americans have faced bankruptcy for completely and unhappily legitimate reasons (and I'm sorry to hear you've had to go that route), it still isn't a pretty picture to see and be presented with in terms of someone (the company in this case) looking at your credit. The last thing you need is for the company to go, "I wonder how my employee got into bankruptcy with his/her previous employment record and salary... Does this mean my employee is going to go the route of bankruptcy again?"
It's not their business, in my opinion, to look into credit as a form of determining employment qualifications, but some companies DO do that anyways as they equate creditworthiness to dependability and responsibility.
Pay using debit and work on improving your credit. With the income level you have, I would think you would be able to keep a good chunk of that money untouched in your checking account to use like cash for your purchases. You might try inquiring at the bank that you do your banking with to see if maybe they would be willing to offer you a better credit option. As they're the ones who get to see what money goes in and what money goes out of your checking account, they might be more willing to give you a chance.
But otherwise, with the bankruptcy still on the not-so-far horizon at 18 months, you would be better off credit-health wise to stick to paying using debit or cash while working on your rebuilding your credit.
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