- Joined
- Aug 20, 2022
- Messages
- 28,040
- Points
- 113
Feel really dejected in life.
I’m 40 plus. Married with a wife and 3 kids. Been struggling for the past year after losing my job in 2024. Lost my job because of the annual credit screening which flagged me as someone that exceeded my 3 months salary (due to past mistake).
Managed to get a very menial job which has no pre-employment credit check. But the pay is not enough to cover my expenses. Am trying to get a better job but almost all requires a credit check. I have been denied an offer for 2 jobs due to this (these are not even jobs in the financial sectors). Right now, I have received a verbal offer from a company but its subject to checks. This job can change my life. But as they are proceeding to do the credit check, I fear this will also not go through. Which means another dead end.
I have defaulted with the banks many times. And very close to losing everything. Losing my family, my house and my life. While I am the author of my own misfortune, I just hope that employers would give people like me a chance to work hard.
I even tried to sell my house to settle my debt but HDB refuse to extend a HDB loan to me to downgrade hence I am stuck. I am trying to appeal this but the process is tiring and long. I just come home and smile every day to my family but I know I’m dying inside.
I am lost. And I feel hopeless. I dont see a way out of this as I cannot secure better employment. Some people have very bad criminal records and they can still secure good jobs. But I have a poor credit score and I am ultimately rejected for all the jobs I applied for.