typical APC regional thread right here....
as to the OP, hopefully your investment in your education/career will pay off. Right now, if you have a pulse, and the hours, you can get a job somewhere. Some will be more selective and may question the credit rating...IF...they even spend the time, money and effort to pull it.
just an opinion, but I think they are more worried about the future of their own credit ratings at this point. good luck to you.