CYBERSECURITY JOB HUNTING GUIDE
  • Home
  • Introduction
    • Things you should know
    • The strategy
  • Paths into Cybersecurity
    • First steps
    • SWOT Analysis
    • How much time do you need?
    • Calculate& Evaluate Knowledge
    • Imposter syndrome
    • Time Management
    • Cybersecurity Domains
    • Cloud Security
    • Financial advice >
      • Credit score
    • The salary
    • Advocacy for underrepresented groups
  • Goal Setting & Career paths
    • Find your career in 5 steps
    • Cybersecurity career options
    • Career finding with LinkedIn
    • Transferable Skills (general)
    • Transferable IT Skills
    • Find a path with job descriptions
    • The I do not know path
    • Do you know “garbage” jobs?
    • “Bonus” knowledge
    • Learning & Motivation
    • Particular vs. any job
    • Pentester path (start)
    • Pen Testing as Career
    • SOC Analyst as career
    • Security Engineer as career
    • Compliance & Risk as career
    • How to find a career (IAM Engineer)
    • Find a company
  • Networking
    • Networking like a pro
    • LinkedIn
    • Referrals & Skills
    • LinkedIn Recruiters >
      • Working with a recruiter
    • Cyber Community
    • Networking University
    • Mentoring
    • Build your personal brand
    • Goal of Networking
  • Hands-on
    • The home lab >
      • Designing a home lab
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      • Hypervisors >
        • VirtualBox
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      • Operating Systems >
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          • Installing Kali with VirtualBox
        • Parrot
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          • Installation Security Onion
        • Metasploitable2
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        • pfSense Installation
        • pfSense configuration for Security Onion
    • Volunteer Work
    • Note Taking
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      • Cyberseclabs
      • HackTheBox >
        • HackTheBox Academy
      • INE red side
      • RangeForce
      • Offensive Security
      • TryHackMe
      • Virtual Hacking Labs
    • Red tools & techniques >
      • Atomic Red Team
      • DVWA
      • Metasploit
      • OSINT tools
      • OWASP Juice Shop
    • Blue labs >
      • Blue Team Labs Online
      • DetectionLab (free)
      • INE
      • Letsdefend >
        • LetsDefend password stealer
      • Opensecuritytraining (free)
      • PurpleLabs
      • RangeForce
    • Blue tools >
      • Install a Canary Token
      • CyberChef
      • EDR Lima Charlie installation
      • EDR LimaCharlie configuration
      • EDR Velociraptor (free)
      • EDR Bluespawn (free)
      • DeepBlueCLI (logs Powershell, free)
      • Raccine (ransomware protection, free)
      • Install RITA (detects C2 traffic, free)
      • Sandboxes >
        • Joe's Sandbox
      • SIEM ELK Stack
      • SIEM Graylog >
        • Getting started with Graylog
        • Install Graylog
        • Graylog Windows agent
        • Graylog Linux agent
        • Graylog as application
      • Suricata with RangeForce
      • Identifying IoCs with RangeForce
      • What2Log
  • Certifications, Degree & Courses
    • Overview
    • Free & Affordable Resources
    • Pick your cert
    • Skill Assessment
    • Get a cheap degree
  • (Employment) fraud & scams
    • Suspicious Offer
    • Second Offer
    • Certification Scams
    • Fraud with courses
  • Analyzing a job ad
    • The Header
    • Building a Bridge
    • The Responsibilities
    • Desired Skills
    • Preferred Qualification
    • Benefits
    • Own skills vs job ad
    • Dealing with poorly written job ads
  • Resume writing
    • Templates
    • Building a draft
    • Resume in Detail
    • Understand the company
    • ATS and tailoring
    • Last Step
  • Cover letter
    • Writing a cover letter
  • Preparation & Interview
    • Organize your job hunt
    • SWOT Again (interview)
    • Twitter
    • The interview
    • Interview Questions Designed To Trick You
    • Post interview tasks
  • I did it all, but...
    • You are not alone
    • Try Something New
    • Why You'll Fail in Cyber Security
  • Yes, I got a job!
    • Two, or more offers?
    • Continued learning
    • Moving up
    • Lessons learned
  • Conclusion
  • Additional things
    • Reviews (labs, courses, certs) >
      • CompTIA A+
      • CompTIA Network+
      • CompTIA Security+
      • CompTIA Server+
      • CompTIA PenTest+
      • DroneSec DSOC
      • Defensive-Security Purple Labs
      • FAA Part 107
      • INE eCPPT & PTP
      • Letsdefend review
      • Microsoft AZ-500
      • RangeForce SOC 1
      • RangeForce SOC 2
    • Work In A Different Country >
      • The Work Permit
      • Working in the US
      • Studying in the US
      • Studying in Germany
      • Work in a different country
    • Other Resources >
      • Useful Links >
        • All about careers
        • Red resources
        • Blue resources
      • YouTube
      • Twitch
      • Podcasts
      • Books
      • Udemy
      • Thanks
    • Contributors
  • Stefan Waldvogel, where can I help?
  • Home
  • Introduction
    • Things you should know
    • The strategy
  • Paths into Cybersecurity
    • First steps
    • SWOT Analysis
    • How much time do you need?
    • Calculate& Evaluate Knowledge
    • Imposter syndrome
    • Time Management
    • Cybersecurity Domains
    • Cloud Security
    • Financial advice >
      • Credit score
    • The salary
    • Advocacy for underrepresented groups
  • Goal Setting & Career paths
    • Find your career in 5 steps
    • Cybersecurity career options
    • Career finding with LinkedIn
    • Transferable Skills (general)
    • Transferable IT Skills
    • Find a path with job descriptions
    • The I do not know path
    • Do you know “garbage” jobs?
    • “Bonus” knowledge
    • Learning & Motivation
    • Particular vs. any job
    • Pentester path (start)
    • Pen Testing as Career
    • SOC Analyst as career
    • Security Engineer as career
    • Compliance & Risk as career
    • How to find a career (IAM Engineer)
    • Find a company
  • Networking
    • Networking like a pro
    • LinkedIn
    • Referrals & Skills
    • LinkedIn Recruiters >
      • Working with a recruiter
    • Cyber Community
    • Networking University
    • Mentoring
    • Build your personal brand
    • Goal of Networking
  • Hands-on
    • The home lab >
      • Designing a home lab
      • Ways to create a home lab
      • Hypervisors >
        • VirtualBox
        • VMWare Player
        • QEMU/KVM
      • Docker
      • Operating Systems >
        • Kali Linux >
          • Installing Kali with VirtualBox
        • Parrot
        • BlackArch
        • Red Hat Enterprise Linux >
          • RHCSA
        • Security Onion >
          • Installation Security Onion
        • Metasploitable2
        • Ubuntu
        • Windows >
          • Windows in a VM
          • Windows with Virtual Machine Manager
          • Preparing Windows logging
          • John Strand's ADHD VM
      • Firewalls >
        • pfSense Installation
        • pfSense configuration for Security Onion
    • Volunteer Work
    • Note Taking
    • Red labs >
      • Cyberseclabs
      • HackTheBox >
        • HackTheBox Academy
      • INE red side
      • RangeForce
      • Offensive Security
      • TryHackMe
      • Virtual Hacking Labs
    • Red tools & techniques >
      • Atomic Red Team
      • DVWA
      • Metasploit
      • OSINT tools
      • OWASP Juice Shop
    • Blue labs >
      • Blue Team Labs Online
      • DetectionLab (free)
      • INE
      • Letsdefend >
        • LetsDefend password stealer
      • Opensecuritytraining (free)
      • PurpleLabs
      • RangeForce
    • Blue tools >
      • Install a Canary Token
      • CyberChef
      • EDR Lima Charlie installation
      • EDR LimaCharlie configuration
      • EDR Velociraptor (free)
      • EDR Bluespawn (free)
      • DeepBlueCLI (logs Powershell, free)
      • Raccine (ransomware protection, free)
      • Install RITA (detects C2 traffic, free)
      • Sandboxes >
        • Joe's Sandbox
      • SIEM ELK Stack
      • SIEM Graylog >
        • Getting started with Graylog
        • Install Graylog
        • Graylog Windows agent
        • Graylog Linux agent
        • Graylog as application
      • Suricata with RangeForce
      • Identifying IoCs with RangeForce
      • What2Log
  • Certifications, Degree & Courses
    • Overview
    • Free & Affordable Resources
    • Pick your cert
    • Skill Assessment
    • Get a cheap degree
  • (Employment) fraud & scams
    • Suspicious Offer
    • Second Offer
    • Certification Scams
    • Fraud with courses
  • Analyzing a job ad
    • The Header
    • Building a Bridge
    • The Responsibilities
    • Desired Skills
    • Preferred Qualification
    • Benefits
    • Own skills vs job ad
    • Dealing with poorly written job ads
  • Resume writing
    • Templates
    • Building a draft
    • Resume in Detail
    • Understand the company
    • ATS and tailoring
    • Last Step
  • Cover letter
    • Writing a cover letter
  • Preparation & Interview
    • Organize your job hunt
    • SWOT Again (interview)
    • Twitter
    • The interview
    • Interview Questions Designed To Trick You
    • Post interview tasks
  • I did it all, but...
    • You are not alone
    • Try Something New
    • Why You'll Fail in Cyber Security
  • Yes, I got a job!
    • Two, or more offers?
    • Continued learning
    • Moving up
    • Lessons learned
  • Conclusion
  • Additional things
    • Reviews (labs, courses, certs) >
      • CompTIA A+
      • CompTIA Network+
      • CompTIA Security+
      • CompTIA Server+
      • CompTIA PenTest+
      • DroneSec DSOC
      • Defensive-Security Purple Labs
      • FAA Part 107
      • INE eCPPT & PTP
      • Letsdefend review
      • Microsoft AZ-500
      • RangeForce SOC 1
      • RangeForce SOC 2
    • Work In A Different Country >
      • The Work Permit
      • Working in the US
      • Studying in the US
      • Studying in Germany
      • Work in a different country
    • Other Resources >
      • Useful Links >
        • All about careers
        • Red resources
        • Blue resources
      • YouTube
      • Twitch
      • Podcasts
      • Books
      • Udemy
      • Thanks
    • Contributors
  • Stefan Waldvogel, where can I help?
  CYBERSECURITY JOB HUNTING GUIDE

Building a credit score

only relevant for the US
Author: Stefan Waldvogel
This is a bonus article, and I describe the credit score system in the US.

Overview
The credit score system is for every American citizen. If you need credit for a car or a house, this score determines how high your interest rate is. The range is between 300 and 850. The level (according to Experian) is like this (we have different models):
>670 good
>740 very good
>780 excellent
Picture
source:www.experian.com/blogs/ask-experian/credit-education/score-basics/what-is-a-good-credit-score/

How can you build a better score?
There are three main factors with a high impact:
  • Total credit usage, balance, and available credit: Extremely influential
  • Credit mix and experience: Highly influential
  • Payment history: Moderately influential

Most people can improve their scores by managing their credit card statements. Each credit card has a reporting date, and on this date, the (percentage) balance is reported to the three credit score providers.
Let us say you have a limit of $1000, and you use $100. This means you use 10% of your credit limit. 
This is okay for building a credit score but try to be under 3 to 5%. This often looks impossible, but this value counts for all credit cards together.

Catch-22
Building a credit score is difficult for people with financial problems. Many cannot get a credit card because the score is too low (or 0) or they never had a credit card.
Some banks offer a "Secured Credit Card." Here, you deposit $500, and you have $500. If you take each month $5 and add $5 later, you use 1% of your card. This is exceptional and will increase your score.

A different option is: "Become an authorized user." Here you ask a person with a very good score, and this person shares a credit card with you. You might never want to touch this unique credit card, but if your friend is doing well, you get an increase, too. Problem: You need trust. The person has to trust you, and you have to trust this person.

A third way is via a special student credit card. I never used this path, so you have to research on your own.

Sometimes you can build your score via self-reporting. You might live in an apartment, here you can report your monthly payment manually. You can do this with a lot of bills like water/gas/electricity and even phone bills.

As an immigrant, there is another way. Before you move to the US, you can open an American Express account with a credit card. If you hold it for 6 months and move to the US, American Express allows you to open a US credit card.

Conclusion
Think about building an excellent credit score as early as possible. The reason is, if you buy a house, the difference between 790 and 810 could be >$10000. If you build a score from 0, you need about 6 months to reach >780 if you handle your credit card limit under 3 to 5% and report regular payments.
Next: Financial advice
© 2021. This work is licensed under a CC BY-SA 4.0 license​