No I am not delinquent or anything like that but my credit has gone down to “fair” because of all the debt that I do have.  Just trying to get a sense if Smith Barney likes their FA’s to have good or great credit. 

I’m new to this and am trying to get a sense of what else goes into the decision making process besides, personality and experience. 

The background checks are very extensive, and deep.  If you don’t have a high credit rating - they will probably pass on hiring you.  I guess they want people managing money to be good stewards of their own finances.

There is nothing else that I am hiding…I pay my bills but my i’ve reached my credit limits on a couple of credits because of the wedding and house.  

AND?? Have you been turned down for a loan? Have you been getting Letters Of Demand or phone calls from Collection Agencies? Had your Car repossessed?

I am comfortable, but my state of mind is that some of the prestige wirehouses want to see excellent credit rating…

All I am asking is, Do the Smith Barneys, ML, MS want to see high credit score?? 

I am comfortable with my credit rating, but when going for a job you sometimes second guess things even though you shouldn’t.  Its human nature. 

If there is a concern on the part of the employer they will ask you to clarify. Don’t second guess.

Bankroll - if you’re already to the max on debt going into this job - you’re in trouble.  You will not make any money for a few years - and you’ll probably go further into debt.

You’ll be fine.  I had a couple of dings on my credit report, courtesy of a divorce I had just before coming over to SB.  I had some serious delinquencies on loans that we had co-signed on, but which were really her responsibility.  No problems.  I had to submit a written statement on the four items on the report, and that was it.