My Job Is My Credit

P

Parker1985

Member
I’ve been hearing the phrase “my job is my credit” tossed around, usually in relation to dealerships or landlords who say they’ll work with you even if your credit isn’t great, as long as you can show steady employment.

It got me thinking, how much weight does a stable job history actually carry compared to your credit score when it comes to big decisions like financing a car, getting approved for an apartment, or even qualifying for certain loans?

Some places advertise “no credit, no problem” as long as you have proof of income, but I’m skeptical about how reliable or legitimate those offers really are. On the flip side, I can see how consistent employment could give lenders or landlords confidence even if your credit isn’t perfect. Has anyone here had real-life experience with this? Did a steady job history outweigh bad or thin credit when you applied for something major? Or is it more of a marketing gimmick to reel people in?

Would love to hear your thoughts and stories does “my job is my credit” actually hold up in practice, or is good credit still the real key?
 
For apartments, it’s kind of a mixed bag. Some landlords will take stable employment over a score, especially if they’re independent owners rather than big property management companies. I’ve rented with a thin credit file before, and my pay stubs mattered way more than a number. Big corporate complexes though? Forget it, they only see your score.
 
I think “my job is my credit” mostly works at small dealerships or buy-here-pay-here lots. They care more about steady cash flow than your FICO score because they know they’ll repossess the car if you stop paying. It’s riskier and usually comes with crazy high interest rates. But yes, having proof of income helps a lot. Wouldn’t recommend unless you’re in a pinch though.
 
I actually bought my first car from one of those my job is my credit dealerships. It worked, but the interest rate was brutal. Like, yeah they gave me a car, but I ended up paying almost double over the life of the loan. Consistent employment helped me get in the door, but without decent credit, they definitely stacked the terms against me. So yeah, it’s real but not exactly a bargain.
 
I used to sell cars, and my job is my credit is mostly a sales pitch. We’d finance people with rough credit if they had a steady job, but the trade-off was insane interest rates. Like 22%+ on a used Honda Civic. You technically get approved, but long term it’s not doing you any favors.
 
I worked at a used car dealership for a few years, and I can tell you that my job is my credit is mostly a sales pitch. What it really means is that they’ll find some way to finance you, but the interest rate will be brutal. If you’ve got steady employment, they can at least be confident you’ll keep making those high payments. It’s not a scam exactly, but it’s not the golden ticket people think it is.
 
I worked at a used car lot for 3 years, and my job is my credit is basically a sales hook. What it usually means is they’ll approve you, but at crazy high interest. They don’t care about your score as long as they know you can make the payment. The steady job just proves you can bring in money regularly. You’ll drive off with the car, but you’ll also be paying double what it’s worth over time.
 
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