that he has praised me and promoted me to where I am
today.”“We will be doing a background check that includes a
credit check. Do you have any problem with that?”
■“I am going to tell you before you see for yourself that I did
have a time in my life when my credit was not sterling. It
was a time when I was going through a nasty divorce, and
it has taken me the last five years to clear up my credit
record.I am proud to say that I have been an on-time bill
payer since that period ended.”
■“I am a person who has high integrity, and any marks you
will see on my credit rating are due to hitting some excep-
tional spending times in my life. Overall my credit has been
excellent. There was a time when we were buying a house
and furniture that we got in over our heads. We are very
conscientious about paying our bills on time and working
on being debt-free. I pride myself on my ability to manage
money at home and at work. I have always come in under
budget on projects that I have overseen in my work.”
■“The downturn in the economy has caught my husband
and me offguard, and we have not been proud of our
credit rating. When my husband and I were laid off at the
same time, it was tough to meet all the payments on time. I
am proud to say that by writing to the creditors, we were
able to negotiate a more lenient payment plan. We are very
careful to pay bills on time, even if it is not the full amount
due. Things are turning around. My husband has a great
new job, and I am confident that I am going to get a great
job. We are in the process of pulling resources together to
get our feet back on the ground. Neither of us wants to be
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