As someone who checks credit for employment... [View All]

[Modem Butterfly]

I think everyone needs to calm down.

An awful lot of people have made mistakes in their past. In fact, very few people have "perfect" credit. Your credit is probably a lot closer to average than you may think. Employers are generally looking for an indication of responsbility. It's not so much the fact that you HAVE debt as much as are you PAYING OFF your debt? Owing a lot to Visa and/or Master Card isn't nearly as having multiple vehicle reposessions, a history of bad checks, or tenant evictions. Pay your debts or make agreements with your creditors and it will be reflected on your credit report. Dispute items that are in error. It will look a whole lot better than multiple collection items.