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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.
Working Smarter ? Planting Seeds to Earn Employee of the Year To be awarded with the employee of the year and maybe even having your own plaque posted on the wall is the highest of rewards for some employees. With all the competition in the workplace, becoming the employee of the year is not an easy task. One of the first steps to becoming employee of the year is to be a good worker. Being a good worker actually includes lots of different strategies. A good worker is always on time and never leaves early without permission. Of great benefit to you as well as to others is to make sure that you have a pleasant attitude and lots of motivation. The lack of motivation in a workplace can slow down productivity immensely and if your boss sees that you are one major motivator in your department, a small seed towards that plaque is already planted. A good worker is also very well organized and works in an efficient manner. Efficiency with high quality results is a great combination to add more seeds to sprout your career and reach your goal of being the employee of the year. In some companies there is an employee awarded every month. The employee of the month gets awarded for his outstanding work and contribution to the company over the course of the month. Sometimes to become the employee of the year, you need to get several or the most of the employee of the month awards. But since you are trying to be the employee of the year, you must already try to be the best employee every month. You should have a chance for one or more of the monthly awards. Becoming employee of the months is one important seed to harvest your crop, the employee of the year award. Often times, it also helps to have a good relationship to your boss. A relationship of mutual respect, somebody your boss can rely on, likes to exchange ideas and just plain small talk with, are all important. Become his ally and best worker, but do not over do it. Sometimes in the effort to become employee of the year, you try too hard to be somebody you are not in order to show off in front of everybody and forget that working in a businesslike or industrial setting also means teamwork. Try to be a leader and show respect for others at your workplace. If you are just trying to take away work and glory from others, you will soon be the person nobody wants to go to. To become the employee of the year, you need to be a resource for others, help with their daily problems and most of all, respect them and recognize their accomplishments. If you are working in the team, everybody needs to feel welcome and feel like he or she is contributing. As you can see, just doing the most work will not get you the employee of the year reward. Accomplishing many other things at the same time is just as important as the amount of work you correctly and timely deliver. That is why the process of getting awarded is more like planting seeds in the field and seeing them sprout. It is not just one action; it takes many different actions to become the employee of the year. Possibly one of the most important facts at the end of the year-- do not expect that it is you that gets the award. Be humble, think of others that did also tremendous amounts of work and tried to be motivated throughout the year. Do not be disappointed if it is not you.
Self-Publishing and Other Options Online (how to get a book published online) There?s no question about it. There is more room for more types of writing on the internet. Many people know that getting a book published for the book store shelves is next to impossible. The competition is overwhelming. Most successful writers have already achieved fame and so are able to write book after book. The unknown, though still talented writers are shut out. Publishing books is expensive and time consuming. There are only so many readers in the world. To keep the ratios between writers and readers comfortable, less than one percent of would be writers actually get published. That is all changing now. The internet is big enough for everyone it seems. It offers many more, less expensive publishing opportunities. It also gives exposure to aspiring writers allowing them more chances to impress the hard copy publishers. So, the opportunities are there. Do you want to know how to get a book published online? Is Self-Publishing Cheating? Self-publishing is certainly not cheating. Depending on what your goals are of course, it may or may not be a direction you would like to take. In the hard copy world, self-publishing is cost prohibitive. Actually getting a book into print costs more money than a typically poor beginning writer can muster. That is the great thing about the internet. It?s free. You can either start up a free website of your own and post your novel, or pay a small monthly sum and attempt to sell your writing online. By paying for a website you will be allowed to sell a product from that site. If you can write well enough to catch someone?s attention, they may be willing to pay for a download of your book. That is how to get a book published online. Just do it yourself. You circumvent the normal book publishing costs and still get some exposure. You just may luck out and get the attention of someone who thinks you could make money off of your writing. If you?d really like to hurry up the process to getting your books in print, there is another route to go. Pay to Be Published Everything is cheaper when done ?en masse?. There are book publishers that reduce the cost of publishing by running the presses all of the time. If you?d like to know about another way of how to get a book published online, this is it. With publishing companies though, you don?t have to dream about getting your book on the shelves. The online self-publishing companies require a fee ? which will be much less than if you were to try to print yourself. They use your money to get your writing into print. You have the option of publishing your own book, or for a much smaller investment, to be included in an anthology. You won?t get as much exposure as from a big name publishing company, but it will be significant nonetheless. E-Book Publishers A third road to travel if you?re wondering how to get a book published online is that of e-books. They are another form of writing that can get you the practice and exposure that you need. Instead of writing on a topic of your choice though, e-book assignments are centered on topics that a typical person will search for online. They are normally informative and how-to books. They are usually short and to the point. E-book publishers are willing to pay experienced and capable writers to create book length, researched writing. How about adding that to your resume? Publishing a book online is easier than publishing in the world of hard copy. The end result is not as glorified, but it is a step towards success in the published realm. The more experience you can get writing, the better writer you will be. As the internet becomes more depended upon, you may find yourself on the frontline of the publishing movement.