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I'm studying/practicing to be a software developer but I'm worried that my bad credit history will prevent me from getting a job as a developer.

I was laid off a few years ago and went through a period where everything went wrong. I was able to bounce back with a couple part time jobs and now I have a dead-end 40k a year job. Currently my credit history shows 2 foreclosures and credit card debt. I'm gradually paying off the credit card debt but my credit history will look horrible for a few years. BTW, an adviser told me to file for bankruptcy but that sounds like it will only makes things worse.

I already feel as if I'm too old (34 years old) to enter this competitive career but I don't have much of a choice because software development is my only interest. I currently code .NET desktop apps for personal use and I've been getting into web development lately.

I believe I can convince a potential employer to look past my age but I just feel as if no software development company would hire me over a 23 year with a clean slate. From what I've read, "job hopping" seems to be normal for software developers so even if I get my first programming job, when that job ends, I would have to go through the same process of fear again.

Does anybody have any advice for someone in my situation?

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closed as off topic by Ryathal, Bryan Oakley, Dynamic, GlenH7, World Engineer Jun 21 '13 at 12:50

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Is your credit history public? Is it legal for a prospective employer to check it? I honestly don't know. –  tdammers Jun 21 '13 at 12:29
Depends on location I expect but outside of jobs in finance or that require security clearance, I can't imagine most jobs looking into your credit history. –  Michael Jun 21 '13 at 12:45
Except in a few cases, most employers hiring programmers don't care about your credit history. Voting to close as off-topic. –  GlenH7 Jun 21 '13 at 12:50
Many employers do routinely use credit checks, and it's becoming common enough that some states are beginning to restrict how and when that can be done. Poor credit shouldn't automatically exclude you from most jobs, but you may have to explain what happened. Your age shouldn't matter, but your lack of experience may be a liability. Consider creating a portfolio of little projects that you've done. –  Caleb Jun 21 '13 at 12:56

1 Answer 1

If the work requires a security clearance your credit is checked as part of the clearance process. People with bad finances are considered more susceptible to bribery.

If someone declares bankruptcy while working on a secure project, they can be be removed from the project. I'm not familiar with the details of what financial problems are acceptable for each level of clearance.

I don't know if the typical company checks credit.

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