I was just sitting down with a friend who was telling me how he missed out on the perfect job though he felt he was the most qualified for the position. I mean, my friend has a pretty impressive resume and he interviews well, so I was thinking, what could be the problem? That’s when it struck me. I asked him, how’s your credit? His response? Not so good. With the recent downturn in the economy he had a car repossessed and had to come to settlement agreements on a couple of credit cards. My response to him: You may not want to hear this, but I think your credit was probably a determining factor.