My question is specifically for US based credit ratings. I am not asking about credit scores in Japan.
Unfortunately, I might have to declare bankruptcy in the United States soon. Even if I don’t, my credit score sucks either way. Do Eikaiwas and other teaching jobs include a credit check in their background check? I am asking specifically about my credit score in the United States.
What is typically included in a background/employment history verification check in Japan for a teaching job? Is it even conducted at all? If so, what does it include? Are Eikaiwas actually spending money to have companies in Japan make phone calls to past employers to confirm past employment history?
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JET is the only one I know that does any kind of background check and that’s a criminal one, I don’t think they’d know or care if you declared bankruptcy.
It’s immigration you have to worry about as they can ask for up to three years of financial information or they might not ask for anything.
The only background check I ever had to do was a criminal background check. I’ve never had them call my past employers, but given the nature of my previous job that would’ve been impossible, for reasons. But they have certainly contacted the references I supplied via email.
Its kind of fucked up that a job your interviewing for, in America, can do a credit check on you. Unless its a finance based job, there is no reason they should be able to check that. I made a fair few mistakes when I was younger regarding my credit. If I was applying in the states, I’d probably be screwed even if I was qualified to do the job. As far as Japan goes, I believe the most basic check is a background check to make sure you aren’t a criminal.
First, the required “Eikaiwa is not teaching”.
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Those companies don’t care about your history financial or criminal. They just want people that don’t look Japanese and are able to get a visa. As long as you haven’t served longer than one year in prison and haven’t been arrested for drugs, prostitution or violent crimes you are eligible for a visa.
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One thing, do you really think you will be able to survive in Japan if you can’t keep your financials straight in the US? Japan is an all or nothing system. For most things you are only allowed one missed payment. That isn’t one a year, that is one missed payment in your entire life. Miss two mortgage payments and the bank will take your house. Miss two cell phone payments and the company will cancel your contract then blacklist you.
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In Japan you only get paid once a month. Can you handle that and still save for the big yearly bills in January?
It’s a teaching job, not a bank. You wont be handling any cash at the eikaiwa, so why would your credit score mean anything?
I doubt they check your U.S. credit score. TBH, my score is tanked because of private student loans, but I’ve worked for 2 different eikaiwa chains.