I got hired with a Bankruptcy, and horrible credit. Do it if you have to, its not as bad as everyone thinks. I was getting offers for credit card less than a year later, started with a $500 credit line, then $1500, pretty soon back up to 5K limits on multiple cards. Now if your planning on buying a house or car, you may need co-sign and even then you'll get wacked on interest. If someone doesn't hire you, an you suspect that reason, sue. for....wait for it...the big D!