credit check

[ZDC Handler]

here's my situation: i applied to city agency a year ago. i scored so high on the written i was accused of cheating and asked to take it again. i scored better the second time. i smoked the physical agility test. apparently i did well on the oral board, as the background detective who was on the board stepped out of the room after me to tell me what a great job i did, and that he looked forward to seeing me at the academy. you can imagine how surprised i was when i got my letter of denial only two weeks later. when i called to find out why, i was told it was a credit issue.

i don't have loans in default, i haven't had a vehicle repo'd, but i do have some medical bills in collections. i've been working my butt off to get these things paid, but it's difficult when you're only making 10-12 bucks an hour. if i had a great police officer's salary, i could hammer those things out. i'm sure if i were offered conditional employment...on the condition that i pay the collection agencies before academy...i could probably get some family to help me out. but, as much as collections notices harm my credit, they don't harm it badly enough for me not to be able to buy a new car with a great financing rate, as i recently did, so they aren't high on my priority list.

who will listen? who cares? any agency out there that maybe thinks a couple grand in collections isn't that big of a deal? any advice?

currently residing in las vegas working in armed security, trying to get some field related experience, and about a year and a half away from completing my bachelor's degree in criminal justice.

[Creeker]

here's my situation: i applied to city agency a year ago. i scored so high on the written i was accused of cheating and asked to take it again. i scored better the second time. i smoked the physical agility test. apparently i did well on the oral board, as the background detective who was on the board stepped out of the room after me to tell me what a great job i did, and that he looked forward to seeing me at the academy. you can imagine how surprised i was when i got my letter of denial only two weeks later. when i called to find out why, i was told it was a credit issue.

i don't have loans in default, i haven't had a vehicle repo'd, but i do have some medical bills in collections. i've been working my butt off to get these things paid, but it's difficult when you're only making 10-12 bucks an hour. if i had a great police officer's salary, i could hammer those things out. i'm sure if i were offered conditional employment...on the condition that i pay the collection agencies before academy...i could probably get some family to help me out. but, as much as collections notices harm my credit, they don't harm it badly enough for me not to be able to buy a new car with a great financing rate, as i recently did, so they aren't high on my priority list.

who will listen? who cares? any agency out there that maybe thinks a couple grand in collections isn't that big of a deal? any advice?

currently residing in las vegas working in armed security, trying to get some field related experience, and about a year and a half away from completing my bachelor's degree in criminal justice.

IF things are the way you state that they are, it may bear getting your own credit report to see what it looks like yourself on the chance that you may have some issues you don't know of or have been created by other means... mis-connected ID or ID theft.

FI, my parents thought it would be cool to name their kids with all the same initials as theirs, boys after Dad, girls after Mom. There were no girls, but there were 5 boys. Over the years I've seen my wife listed as my Dad's wife, my Mom as my wife, etc. To make things even worse, my Dad and at least one of my brothers don't have the best credit histories.

Things have gotten better in recent years, but my wife is still listed as having a credit reference in some place that we've never lived and she hasn't been able to get it off of her history because someone typo'd a digit in a Social, apparently.

I say IF, because I am highly skeptical of your grandiose claims of over-achievement... which could lead me further into character issues.

[Roger Dat]

One red flag I see is that your didnt pay your medical pills for sucha long time that they went to colections. INSTEAD of paying off those bills or making larger payments on those bills in collections, you went out and bought a new car. Doesnt scream responsible decision to me and they may have viewed it the same way.

[Agent_Chaos714]

If you are telling the whole story then I don't think you have much to worry about, you should saturate applications elsewhere, I got in with 2 CC's in collections, and a repossessed vehicle...I explained my situation and they listened, at one time I had 7 delinquent accounts and I paid off 5 of those in one year, and I am making payments on the repo and they are current, so I guess that helped....Plus I am only 22 so they told me that as long as I learned from my mistakes it wouldn't be hard for my credit to bounce back.

I agree with roger, the red flag would be over looking the debt to buy a new car, you may have trouble getting in any where that will accept that, but just be honest and work hard on getting those medical bills out of collections...and apply any where you can. The last thing I could tell you is what a few esteemed verified LEO's on here told me when I asked a similar question...don't be too hasty and don't get all your no's at once, there will always be a need for good cops somewhere. Be Patient, because Time heals everything and time is definitely a bad past's best friend

[Ispbear]

One red flag I see is that your didnt pay your medical pills for sucha long time that they went to colections. INSTEAD of paying off those bills or making larger payments on those bills in collections, you went out and bought a new car. Doesnt scream responsible decision to me and they may have viewed it the same way.

That was the first thing that struck me as odd.

You have outstanding bills that went to collection yet you go and buy a new car? That simply shows that you are immature and irresponsible at this point. I'm not saying that you will never be an officer, good chance if you get your mess cleaned up you will be accepted. You just need to grow a little bit.

Good luck.

[retdetsgt]

You have outstanding bills that went to collection yet you go and buy a new car? That simply shows that you are immature and irresponsible at this point.

I wouldn't hire you just because of that. Paying off those collections obviously aren't very high on your priorities if you bought a new car, spending money for college, etc. People who demonstrate that lack of responsibility often display it at work and get themselves and others in grease. No thanks.

Pay off the medical bills even if you have to quit school and dump the car. Wait a while and then reapply.

[AgentOrange]

yeah buying the new car with all that debt looks bad but maybe he needed a new car because the old one was dead and it would be cheaper in the long run to get a new car. Thats how it was with me anyways i sold my old car to a friend for pennys on the dollar and bought me a new car and ever since he's been fixing that car to many times to count good thing hes a mechanic tho and knew what he was getting into. In the long run buying the new car helped me pay off my debts maybe it will work out the same for you. ( because you cant work if you cant get to work) and depending on the area you live no bus routes cabs come to your area who knows but if you bought just because you wanted a new car then yes that is bad.


i just noticed you said your making 10-12 in armed security field you might want to look into a diff company or position because i know some places around here where armed gaurds/drivers are making 21 i dont know how the job market is in vegas tho so take that with a grain of salt


o yeah on medical bills and collections you might really want to look into it once they where collected on and where sold off to see if it's in a third party because some companys get greedy and sell it before it is payed off just to get it off their books and i was informed when i was paying my medical bills off that you dont have to pay third party medical bills off it can be wiped from your credit something about a third party clause in collection contracts again i would get a agent who specializes in managing and cleaning records to help you out thats what i did and he was worth every penny. Alot of companies like Verizon and others after you pay them off will still show Defaulted status or what ever on your credit verizon had a law suit awhile back for it and they are still bad about it so are alot of medical bill collection companies.

[retdetsgt]

yeah buying the new car with all that debt looks bad but maybe he needed a new car because the old one was dead and it would be cheaper in the long run to get a new car.

That's bull**** rationalizing.:rolleyes:

When I got divorced, I'd just bought a new car and was given all the bills from the divorce. I sold the car immediately and bought a junker that I could easily afford so I could get the bills paid off. Once I did that, I went out and bought another new one. You can get a 2 or 3 year old car in pretty good shape for a hell of a lot cheaper than you can a new one. Saying buying a new car is cheaper in the long run is simply not true. It's all ego. Yeah, I buy new cars, but I can afford it.

His priority should be paying off those bills, not cruising in a new car.

[AgentOrange]

wow she got you good in that divorced . Your divorce sounds like my buddies she got the kids and a free ride he has to pay her from his disablity checks and her new husband lost his job so they upped his payments coming out of his disablity checks to cover her dead beat husband


that is true we cant determine the thought process that was used .
in my case tho buying another junker would of just been throwing money away in the long run but when i did it i wasnt making 12/hr so my bills where alot easier to pay. and hell his new car could be a used car but its new to him . But at 12hr splitting a new car payment rent/utilities/gas/food/collection debts i dont see how he will pay anything off fast enough to not collect interest.

[Sierra]

You know, there is a great invention out there for the public to use. It has been around for awhile and is free, but some people think they have to pay for it. It does wonderful things for clarity.

Wonder what it is?

A period (.)! Use it! Sheesh! :p

[retdetsgt]

You know, there is a great invention out there for the public to use. It has been around for awhile and is free, but some people think they have to pay for it. It does wonderful things for clarity.

Wonder what it is?

A period (.)! Use it! Sheesh! :p

Proper capitalization and sentence structure is also a huge benefit. From reading what some of the posters who come here wanting to be cops present to us, I fear what police reports will read like in another 10 -15 years....

It was amazing to me that when I first came on the job, most cops only had high school educations. But their reports were well written, proper grammar and spelling. As we pushed for more education, the quality of reports dropped. By the time I left, spelling was atrocious, grammar was maybe 3rd grade level.

I kept a report on my wall that an officer wrote about a man "stocking" a woman. The "stocker" did this and did that. :rolleyes: If you wrote a book about it, no one would believe it was true.

[AgentOrange]

Determined to lose a few pounds but already feeling cranky and deprived? Take a cheese break.

<-------------Drum Roll--------------->

We can reach any point on the globe with our cruise missiles and smart bombs, and our culture penetrates every nook and cranny of the global village. Yet our beloved America is now reviled abroad, dictated to by arrogant judges at home, overrun by special interests, and buried beneath a mountain of debt.

The most important risk factors for Thread Hiacking :cool:are structural and biological rather than environmental or activity-related.

[retdetsgt]

Determined to lose a few pounds but already feeling cranky and deprived? Take a cheese break.

<-------------Drum Roll--------------->

We can reach any point on the globe with our cruise missiles and smart bombs, and our culture penetrates every nook and cranny of the global village. Yet our beloved America is now reviled abroad, dictated to by arrogant judges at home, overrun by special interests, and buried beneath a mountain of debt.

The most important risk factors for Thread Hiacking :cool:are structural and biological rather than environmental or activity-related.

I hope that wasn't written to show your intelligence. :rolleyes: We were discussing the laziness of demonstrated by many posters in in communicating. People are judged on their ability to express thoughts in a clear, concise manner that's easy to read.

Stilted vocabulary is as annoying as poor grammar, spelling and punctuation. I tried to teach officers to write in at about an 8th grade level of vocabulary, but use all the basic writing skills they learned in grade school.

When you take a group of people like police officers, who read reports on a daily basis and try to write to them like you're posting to your facebook page, you aren't going to be terribly impressive.

I realize many teachers and college professors are now more interested in content rather than style, but in the real world, writing the way you were is irritating for adults to read.

I hope you take that as constructive criticism. It will help you immensely in the real world.

[AgentOrange]

Just trying to keep the thread on course of the titled subject.

[Roger Dat]

Yeah cause that post got us right back on track.