<prompt> Human: Graduated last year. I have 0 credit card debt but have several collections for phone bills and cable bills. On top of that I believe I have about 60K in student loans but thats deffered for now until I find employment. Is my bad credit hurting my chance at a job? my score is 520  <response>: Unless the places you are applying for have asked to do a credit check and youve granted them permission they have no way to access your credit report or score. 