What a bunch of liars at crete!

[gatorbreath]

Just applied to Crete maybe 2 months ago and was told they couldn't hire me because of my DAC report.
Turns out I just received my report in the mail and it is crystal clean of any negative reports.
As a matter of fact, on the report a company I use to work for said they would hire me back.
Just wanted to let others know that there's something's a little shady with Crete...be careful.

[pro1driver]

Originally Posted by gatorbreath

Just applied to Crete maybe 2 months ago and was told they couldn't hire me because of my DAC report.
Turns out I just received my report in the mail and it is crystal clean of any negative reports.
As a matter of fact, on the report a company I use to work for said they would hire me back.
Just wanted to let others know that there's something's a little shady with Crete...be careful.

the DAC report also contains your DMV record, any arrest record, any drug/alcohol record, even (believe it or not), your credit report.

i do believe Crete has an owner-operator division, where you can lease/purchase a truck from them, even if you DO NOT WANT TO BUY A TRUCK, they would still run a credit check (score) on you.

heck, you can be late in your paying of bills, that would show up in your credit report. you could have filed bankruptcy, that would show up.

DAC is a "consumer reporting agency", and you have rights, under the "Fair Credit Reporting Act".....

you now have the right to pursue this further. get back to DAC and tell them you were REFUSED employment by that company, and want the SAME EXACT REPORT that Crete got. you may have only been given the "condensed" version...........

then too, maybe they just ain't hiring, and wanted an "easy way out".......

best of luck, let us know how you make out with another DAC report.......

[Krzy18whlr]

ABF wouldn't hire me a few years ago because of a bad credit report, however, Crete did!

[OleGuy]

Drove OTR for several years and ran small loan companies for about the same length of time. Some observations relative to topic.
Best credit risk you can get is a man exiting bankruptcy court.
He owes no one and has no credit. You can lend him and train him to pay.

Stability, ability, willingness to pay:
He has to be in reach/Not a skip hazard.
He has to have income / No $, no pay.
He has to be willing to come make the payment / Part with the money.

These all used to be covered in the face to face credit app interview. Now it's fill in the app, fax or e-mail it in. Grantor gets your credit score???? Wow! High number - Good Approved. That's history and many times is erroneous.

Best customer a lender can have is an honest, hard working man, who get behind on payments but continues to pay. Runs a payment or two behind on a 18 month deal. This man always needs credit and will come to appreciate your going along and continue to be your customer.

There is no correlation between a credit score# and a man's character.Good scores can pay with drug money. Lower ones may have hit a bad patch or deal with a company and got shafted.

Generally, truck drivers were "slow and saticfactory". Always paid, may not
be on time exactly, but workable. Due to nature of the job -OOT, missed a trip, boss OOT on payday, etc. Most seemed to be of higher character than I was back then.

We've come to the age of technology being substituted for human observation and analysis. Kinda like a robot for a doctor.

[gatorbreath]

Originally Posted by Krzy18whlr

ABF wouldn't hire me a few years ago because of a bad credit report, however, Crete did!

Hey Krzy, I appreciate your response, but I can tell you my credit, dmv and work history reports are clean.
I have to chalk up my rejection to the slow economy and I'm willing to except that, but don't tell me there was something on my DAC report when there isn't.
Plus a few years ago, things were a lot different...

[ranger309]

Originally Posted by OleGuy

Drove OTR for several years and ran small loan companies for about the same length of time. Some observations relative to topic.
Best credit risk you can get is a man exiting bankruptcy court.
He owes no one and has no credit. You can lend him and train him to pay.

Stability, ability, willingness to pay:
He has to be in reach/Not a skip hazard.
He has to have income / No $, no pay.
He has to be willing to come make the payment / Part with the money.

These all used to be covered in the face to face credit app interview. Now it's fill in the app, fax or e-mail it in. Grantor gets your credit score???? Wow! High number - Good Approved. That's history and many times is erroneous.

Best customer a lender can have is an honest, hard working man, who get behind on payments but continues to pay. Runs a payment or two behind on a 18 month deal. This man always needs credit and will come to appreciate your going along and continue to be your customer.

There is no correlation between a credit score# and a man's character.Good scores can pay with drug money. Lower ones may have hit a bad patch or deal with a company and got shafted.

Generally, truck drivers were "slow and saticfactory". Always paid, may not
be on time exactly, but workable. Due to nature of the job -OOT, missed a trip, boss OOT on payday, etc. Most seemed to be of higher character than I was back then.

We've come to the age of technology being substituted for human observation and analysis. Kinda like a robot for a doctor.

We are getting to a point where the old saw about " I was out driving OTR and missed a payment because I am divorced", isn't going to cut it anymore.

You can pay your bills online with a cellphone or smartphone nowadays, not to mention using a laptop to take care of things financial and otherwise.

Things are changing fast, but DAC still is allowed to ruin the lives of many a driver, using old 1980's methodologies, here in the 21st century.

I am seriously surprised that some driver hasn't gone postal over the bad or mistaken reports they give many a good driver to the trucking companies.

I guess we drivers are not all that bad, after all.