waitingblessing Posted June 10, 2013 Share Posted June 10, 2013 Hi does anyone know when a school checks an applicants credit? I would imagine it is after being interviewed? I have about $10,000 in credit card debt. I make my monthly payment on time. No home or auto loans. Just student loans and these dang credit cards! My credit score is around 500 something. Anyone who knows anything please help!!!! Thanks everyone!!!! Link to comment Share on other sites More sharing options...
OpSite Posted June 10, 2013 Share Posted June 10, 2013 I don't think my school did a credit check. Background check for criminal activity, yes, but the only credit check I had was from the federal government for PLUS loans. Link to comment Share on other sites More sharing options...
cupojava Posted June 10, 2013 Share Posted June 10, 2013 I do not believe the program itself will check credit reports but the financial aid office surely will if you apply for aid. If you pay for your tuition up front, there would also be no need to check credit report Link to comment Share on other sites More sharing options...
waitingblessing Posted June 10, 2013 Author Share Posted June 10, 2013 Wow I'm so glad to hear that! Thank u both!! I think I have a real chance of getting accepted and living my dream and I was so worried I would not get in due to my credit!!! Link to comment Share on other sites More sharing options...
waitingblessing Posted June 11, 2013 Author Share Posted June 11, 2013 Does anyone else know about this? The ask an admission PA person said programs vary and to check with the school? Has anyone or does anyone know of people not getting in due to debt? Link to comment Share on other sites More sharing options...
winterallsummer Posted June 12, 2013 Share Posted June 12, 2013 Don't think most/any? do checks. Mine definitely didn't. The OP's credit would def not restrict him from admission anyway. Only way it could be an issue is maybe student loans doing the credit check, and some employers post-PA school may do them. Link to comment Share on other sites More sharing options...
cinntsp Posted June 12, 2013 Share Posted June 12, 2013 The only time you will have a credit check done is if you use grad PLUS loans, and that is really only to make sure you don't have a bunch of previously defaulted student loans, or for private loans, in which case your interest rate would be based on your credit. Link to comment Share on other sites More sharing options...
waitingblessing Posted June 12, 2013 Author Share Posted June 12, 2013 Great! I really appreciate everyone commenting!!! I mean I make my minimum payment on all of them but that all I can afford right now :( it good to hear that if I did get accepted somewhere I wouldn't get a well your credit is not great so you can't get in!!! I would die I have worked so hard!!! And I know this is the right career for me!!! Link to comment Share on other sites More sharing options...
loliz Posted June 12, 2013 Share Posted June 12, 2013 I make my minimum payment on all of them ... Always pay over the minimum, even if it is only $1. Something so simple can really help your credit score and report. A 500 credit score will leave you in need of a co-signer on your student loans, but as for school, it should not affect your application. Link to comment Share on other sites More sharing options...
SopranoKris Posted June 13, 2013 Share Posted June 13, 2013 I think it's ridiculous that admission could be potentially denied based on a credit report. There are so many circumstances in life that can't be explained by reading a credit report. I was previously married and my ex-husband ran up so much debt on credit cards. Unfortunately, both of our names were on the cards, so I'm tied forever to that debt. When we divorced, the judge split up the bills and I paid off every single one I was given by the judge. My ex, on the other hand, has defaulted on a lot of the bills he was assigned. Even with a divorce decree, the credit card companies are not obligated to remove my name from my ex's debt. This has absolutely RUINED my credit! And it infuriates me because it is not my fault those bills are not paid. Some are months & months behind in payments. I have applied to several jobs at hospitals and I know my credit report is probably preventing me from getting a job interview. A credit report should have no bearing on your ability to perform your job or your ability to be a PA. Just had to rant.... Link to comment Share on other sites More sharing options...
waitingblessing Posted June 13, 2013 Author Share Posted June 13, 2013 Sopranokris omg I'm sorry to hear that!!! Luckily for me I am not married I know I agree it is total bull crap!!! I don't know why these schools think college students are supposed have such good credit when we r being milked to death with tuition and book costs that what all my debt is from!!! Good luck with the job search!!!! Link to comment Share on other sites More sharing options...
waitingblessing Posted June 13, 2013 Author Share Posted June 13, 2013 Thanks for the tidbit about boosting my score loliz!!!! Link to comment Share on other sites More sharing options...
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