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Explaining How Credit Scores are Used in the Hiring Process
You might be wondering why credit scores are used in hiring processes. While you may have never heard about it, it is actually a more common practice than you might think. Companies and institutions such as banks, universities, retail stores, financial institutions across the United States use credit scores to determine whether an applicant is good for the open position or not. Even though you might think that this is illegal, it is not.
In general, it is a legal undertaking for companies to look at your credit score. This is yet another reason why you should make sure that your credit scores are good and up to date. So why would they be using your credit information in a hiring process?
For some of these companies, employees will be exposed to a lot of money and have a financially responsible position. Your credit information can actually help them determine whether you are a financially responsible person or not. Companies think that if you cannot handle your own money, why you would be qualified to handle their money? On the one side, if you think about it, it is a very valid thought. On the other side, the credit history will not tell the company how you might have gotten all the debt. What if one of your family members is really badly sick or a similar situation? In this case, you have not been irresponsible with your money, but you saved a family members life. You might have been willing to take on all this debt and then work from there. Sometimes numbers are just not an accurate representation of your life.
Companies that do use your credit are not only determining whether you can handle money, in some instances they use it as an indicator for your character. It will tell them if you are responsible with your money and finances you are a responsible person. A person that will not be tempted by money or certain situations in a workplace is a person they can securely trust with their funds, their tasks or their great projects.
One thing is for sure, the company needs to let you know that they are going to check your credit history in their hiring process and they also need to let you know what they are checking for. The criteria they are looking is the criteria they have to tell you about before you give them the permission. Unless they tell you and have a signature of permission from you, they are not allowed to check and use your credit history. If they miss these above mentioned steps, you do have a case in you hands that you can bring to the court. In some instances, some of the people that were not told about the credit check and have been denied have had a good case in their hands.
But as with so many things in life in the United States it pays off to have a good credit history and such a check will not ruin your career moves. Check your credit history every year since once a year the big credit companies do have to give you a free credit report. In the case that you find any wrong or dubious items on your account go ahead and dispute them. Oftentimes companies might just have put a claim against your account that is not really caused by you. Why do companies do that? Money has caused many bad things in the world and a company that wants their money back is going to run after any lead they have. Therefore disputing your case and putting your credit score back to normal can be an essential part in your application and hiring process with some companies.
Communication Key to a Better Work Environment Everyone knows the story of A Christmas Carole. On Christmas Eve, poor Bob Cratchit, who is working late again, spends his day working up the courage to ask his boss, Mr. Scrooge, if he can have Christmas Day off from work to spend with his family. When he finally does get up the nerve to ask, Mr. Scrooge lets forth a tirade over lazy people using Christmas as an excuse to have a day a off from work. This fictional story unfortunately rings true for a lot of people who have to work up the courage to ask for things from their employers. An employee who has to feel about their employer the way Bob Cratchit felt about Mr. Scrooge is not a very happy and productive employee. To get the most of out of your workers, you have to create a much more hospitable working environment. To create a better working environment, keeping the lines of communication open is absolutely crucial. How does communication work in your office? Do you get the impression that everyone is walking around on eggshells around you? While this kind of fear from your employees may be good for your ego in some senses, it is really bad for your business. When your employees don?t feel like they can talk to you, you will lose control over what is going on with your business. You may be the boss, but your employees are the ones who are actually on the front lines. To know what is really going on out there, you need your employees to communicate honestly with you. If they feel that you are unapproachable, they will hide problems and concerns from you, and you won?t be able to act to fix them. You can?t expect to run your business with half of the information about what is actually going on, and so your business will suffer for your ?mean boss? routine. There are still other problems with creating an office environment in which your employees feel like you are unapproachable. In general, there will be a dark cloud over the office when you are around. The stress will keep employee morale low, and employees with low morale are employees with low productivity. Besides, who wants to work hard for someone they cannot approach or who doesn?t show they any respect? Shutting down those lines of communication will definitely affect your bottom line as employees ?phone it in? because they don?t feel invested in making your business a success. If you want a better working environment, you have to improve the lines of communication. If there has been a communication breakdown in the past, take the time to address it with your staff. If you staff is small, talk to them each one on one, letting them know that your door is always open and that you want more regular communication with them. If you have a larger staff, schedule a meeting to address the issue. Weekly office meetings are a great way to keep communication channels open and swap ideas in the office environment. If weekly meetings are not feasible, find some way of touching base with your staff on a regular basis, either through weekly emails or a weekly newsletter. Also, you should encourage your staff to communicate with each other. Sharing information among the staff is a great way to generate fresh ideas and fresh approaches to problems. If your office is suffering from a communication problem, make nipping it in the bud a priority. The pay off will be more productive workers and a whole lot less stress. Who knew work could actually be a pleasant place to be?
Quest of Becoming a Writer (becoming a writer) Finding ones? true calling is one of the hardest things in life. There are some people who believe that they are meant to sing, or dance, or even write. Like all things, becoming a writer is a process and there are many hurdles and even steps, potential writers must take in their quest of making their writing dream come true. It has been said that the art of writing is exploration of you, your own thoughts, your own motivations, and your own goals. However, there is much more to being a writer that just learning to be a good writer. Potential writers must realize that a career writer is one that recognizes writing as a profession and craft that can be turned into a career. The first step to becoming a writer is the most obvious, which is writing. If one is going to make writing their career then they must write first. There are many who believe that writers have no excuse not to write. A writer who does not want to write may be classified as someone who doesn?t want to be a writer. However, there are many people who don?t have the time to write, and in some cases it is best for potential writers to get jobs that make use of their writing skills. Most writers believe that to become a writer you must work as a fiction writer, but there are many jobs that offer the experience needed to become a professional writer. Although the creative process may not be the same as writing fiction, by acquiring a job that uses their writing skills, potential writers will be able to write more creatively and efficiently as fiction writers. Nonfiction writing jobs include, journalism, becoming a technical writer, becoming a technical editing, science writing, marketing communications, sales writing, resume writing, freelancing, and many more. There are many writers who don?t believe that they have to write or obtain a job in writing to become a great writer, but writing is the key to becoming a writer. Another key step for potential writers is to use logic to create the vision, and to achieve the desired goal. Before writing, it is important to think about what you want to write, instead of thinking of what can be gain from writing. It is typical for many writers to site personal gain as their reason for writing, instead of financial gain. There are some who believe that you can?t put a price on pursuing a dream. Becoming a writer also requires working long, and odd hours. A creative idea may strike at any moment, and it is advisable for writers to write and to expand their ideas, no matter what time of day it may be. Potential professional writers should also become comfortable with their place as a writer, and comfortable with their own creative process. If you are going to write, it is best to find a process that works best for you, and to use that process in all of your endeavors as a writer. Writers who have a steady process and who strive to become better and to write more will eventually achieve the success they want. Potential writers should also know that writers? block is not real, and many times writers cannot write, because they are lacking something and may need to fill a need in order to return to their comfortable place of writing. Becoming a writer is not easy and many writers may run away when they see all the hard work that is required. However, there are many who pursue their dreams and who become the writers they always wanted to be. So, while it may be easy to run away, it is always more rewarding to face a challenge and come out on the other end as the victor, and for many that means becoming a writer.
Helpful Hints on Getting Better Respect in the Workplace Sometimes, an inhospitable work atmosphere can ruin the best job in the world. If you work in an office where people don?t respect each other and you feel undervalued and taken advantage of, then you are likely to give up and move on--no matter how much you love the work. When people work closely together, disagreements and problems are bound to arise from time to time. There are, however, ways you can get more respect in the workplace, so you don?t have to dread heading to the office every morning. As the old adage goes, you have to give respect to get respect. Are you doing everything you can to treat your co-workers with dignity and respect? Put another way, are you doing everything you can to avoid annoying everyone in the office? There are a lots of little ways you can make the day more pleasant for everyone, including showing up on time for work and for in-house meetings, not talking too loudly on the phone, keeping your personal cell phone ringtone on silent or vibrate, and cleaning up when you use the common break rooms and kitchen area. Things like spamming everyone in the office with incessant ?funny? emails, sending political or religious emails (or challenging everyone on political or religious issues), or invading privacy by looking at someone else?s emails, phone messages, or mail are also not a good idea in the office setting. Then there are the big ones ? you should never take credit for someone else?s work, talk behind people?s backs, lie, steal from other?s desks (even if it is just a post-it note or white-out), or have a general bad argumentative attitude. If you are doing anything of these things, trying to correct your own behavior is the first step to earning a little more respect in the workplace. What happens if you are doing everything you can and you still aren?t getting the respect you feel you deserve in the office? How you handle things may partly depend on who is showing you the disrespect. Are your subordinates treating you like you?re not the boss? In this case, having a little one on one conversation might do the trick. It doesn?t have to confrontational. You can simply point out that you are getting the impression that they may be having a little trouble with your leadership style and offer them a chance to raise any problems. If they bring up a legitimate problem, then there is something you can work on to make things go smoother in the future. If they can?t point to any one thing, let them know politely, but firmly, what you will need from them going forward in terms of respect. And then, stick to it and hold them accountable for their behavior. If your boss is not respecting you, things can get a little trickier. If your boss has a bad attitude, being pulled up on it by his subordinates is probably not going to do much to improve it. Your company may have a grievance policy in place to deal with issues like this, and it is best to go down this path when dealing with a boss with a respect issue. There are some respect issues in the work place that can?t be resolved with the softly, softly approach. If you are being persecuted on the basis of your gender, your race, your disability, or your sexual preference, you have a right to demand a stop to that at once. If the abuse is coming from your co-workers, go straight to your boss. If your boss is unresponsive, or if your boss is the offender, go right over their head, and keep going until you get some satisfaction.