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I had bought a computer from a company about 6 years ago, the computer turned out to be defective-totally non operative after less than a year, I had to buy another one and did not finish paying off the other one, and disputed the bill. It is now in collection for about $350. I am going to talk to a bank tomororow about a teller or call center postion, can something that I am disputing keep from getting a job? I have no bankruptcies, repos, or anything like that. I paid off my car loan early a few years ago.I have utilities in my name, etc, and own my home. Are they worried I will steal $350 when I have assets, cars real estate, etc.

I *think* I’m ok, but…

Credit Score – high 600s-low 700s

I have less than 20k in student loans and I have no late payments, liens or anything (checked two days ago). My credit-debt ratio is like 65-35 or something.

Is it a business tactic? In the fact that they force you to pay for checking your credit score before you apply, so you know what it is and can decide before hand if you qualify for a loan or credit card. That’s my assumption. It seems very detrimental in my opinion, in the sense you can’t give apply for credit a shot without it really screwing you over.