Appointed

I live in California, recently received my state life & health license, training for all life and some annuity products, as well 16 hrs of CE for LTC and Annuities. My problem is I was denied appointment with two national companies because of my poor credit rating and specifically, IRS lien from impact of divorce years ago. My question is do I have any chance of landing with a company? Or must I figure a way to work as an associate for finder's fees? Any advice would be very much appreciated!
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