Valorey Salter
  • Mortgage Loan Processor
  • Certified Financial Health Coach
  • Domestic Violence Survivor
  • 100 pounds down club
  • 2x Lagniappe Award Nominee

From 435 FICO Domestic Violence Survivor to 700+ FICO Warrior, Homeowner, and Investor

In 2017, I walked away from my past and never looked back. I was freelancing social media management and barely making ends meet. Crowded into our small 2 bedroom apartment, my three children did what we could to survive. Within just a few months my freelancing gig turned into a business.

In a short 15 months after leaving, I had raised my credit score by over 200 points, saved $10,000, and closed on my first home. I was so impressed with the mortgage process that I felt the need to pursue it as a career.

Back in 2005, I had a friend who was a mortgage broker reach out to me needing help. I showed up at her office to a desk full of stacks of loose, disorganized papers. She had me organize the files and mail them to the mortgage companies. Old school. I enjoyed it, but sadly my friend was diagnosed with breast cancer and went into retirement.

I knew there was a seat for me in the real estate industry. I studied for the real estate exam, but didn’t have the desire to be a traditional agent. I spent months sending emails and networking with mortgage brokers and loan originators trying to find an entry level position. I applied for broker assistant jobs everywhere I could.

I couldn’t even get an interview. I was dismissed, ignorantly, because I “didn’t have experience.” I did. however, have exceptional transferable skills that caught the eye of a new LinkedIn connection.

In early 2021, just a few months after having to close my marketing agency due to COVID-19, I accepted a position as a Mortgage Loan Processor. I have loved every minute of the work, my teammates, and loan officers.

I’m excited for the future. I’ve never felt more at peace and focused. It took me a long time to discover who I am and what I was meant to do. It is my mission to help families, especially women of domestic violence abuse, to become financially healthy homeowners.

003 – Why Would an Employer Need to Check My Credit? valorey

Why Would a Potential Employer Need to Check My Credit? “I lost my job due to COVID-19, so I’ve been desperately seeking employment. I’ve put out several applications and finally got a call back to interview. During the interview, they told me that they perform a credit check on the person that they choose. Why would a potential employer need to check my credit?” Thank you to a loyal friend and client for this question. There are many reasons why a potential employer will want to check your credit before you are officially hired. We will go over those reasons in this blog post, as well as what they can see, your rights, and if the state of your financial health will cost you a great job. According to HR.com, in 2018 approximately 95% if employers used some type of background screening in their employment process. However, only 16% will ask to pull your credit. Background checks are needed for a multitude of reasons and resources such as: Criminal background Identity verification Credit report Education verification Driving records Drug & Alcohol testing Sex Offender Registry Professional License Verification International check Social Media But, why would they need to check my credit in the first place? This practice is most common where you are being considered for a leadership position, jobs that involve money, jobs where you would be responsible for confidential information, and many more. If it doesn’t make sense to you, be honest and ask why they perform credit checks and what they are looking for. This is a great way to set your mind at ease while you await to complete the employment process. For example, if you are being considered for a position in a bank, it would make sense that they wouldn’t want someone with a background of embezzlement. It can also give a good indication if you are truthful with the information on your application and what you told them during your interview. For more information, visit valoreysalter.com  Follow me on Instagram and TikTok – @itsvalorey  — Send in a voice message: https://anchor.fm/valorey/message Support this podcast: https://anchor.fm/valorey/support
  1. 003 – Why Would an Employer Need to Check My Credit?
  2. 002 – Stress and Money
  3. Episode 001 – What is a Financial Health Coach?
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