I have a pending job offer. The headhunter who got me the gig said that the offer was contingent on a background check. I will pass the peeing in the cup, criminal background and driving record check but my credit is only mediocre. I have a clean Exp. I have 2 paid charge-offs from 95 on TU and Eq. My FICOs run in the mid 600s on the reports with these derogs. Is this going to doom my chances of getting this job? Should I dispute the charge-offs now so they are shown as "consumer disputes" or something?