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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.
What Career Coaching Can Do to Help Land a Better Job A career coach is something many people have heard of but few actually understand what they do. Career coaching has become more popular in recent years, and they are actually used by many people who already are employed to help them stay on the right track in their career. If you are looking for a job, however, and especially if your job search is proving difficult and painful, a career coach might be just what you need to get your search on track. Career coaches get a lot of flack by trade. Some people laugh them off as the latest in the line of self help gurus that people spend a lot of money to see, often with mixed results. To some people, career coaches are up there with psychoanalysts and personal trainers ? accessories of the rich but not very relevant to your every day kind of person. This assessment of career coaches might not be entirely fair, however. Career coaches can, and have, helped tons of people get on the right track in their job searches and have helped even more people not only find a job, but find a career that they love. So, just what can a career coach do for you? If you are job hunting within a certain industry, a career coach can help you narrow down your choices while simultaneously making sure you are putting your best foot forward when you go out there on the hunt. Sometimes, especially if you have been in a field for a long time, the skills you are highlighting on your resume are stale or the language you use to talk about your work history is outdated. In addition, a career coach can help you make sure that when you go into a job interview you can present yourself as on top of the latest developments in the field and as a person who could jump right into the job without needing a lot of training or guidance. The same goes for someone who is trying to get a job in a new field. A career coach will give you pointers about that field and the companies in the field as well as giving you general advice about the typical culture of that business ? what kind of lingo is used, where the industry is centered, who the big players are, and even how to dress for your interview so that you look the part. Career coaches can also make sure your resume is in order and showing off your skills in the best light possible. This help a career coach provides when you know what kind of job you are looking for is all well and good, but they can do even more when you know you need a job, but you just don?t know what you want to do. If you have been frustrated in your career goals in the past, a career coach will work with you to decide exactly what kind of job you really want to have. They can help you figure out which industries are best suited to your interests, your skills and your personality. If you want to start your own business, they can walk you through the process from start to finish. A good career coach could be the key to finding the career of your dreams instead of just one more job. Last but not least, a career coach can let you know what you are doing wrong in your career. Do you have a problem with your interpersonal working relationships, or are you bad at delegating so you always end up doing all of the work? A career coach will work with your to set these problems right. When you need a better job, a career coach can clear the path for job improvement.
Getting Paid to Work for Yourself: Writing Grants and Grants for Writers (grants for writers) Do you have a fantastic idea to improve the world? Are you frustrated because no one is addressing the issues that you know are important? Writing is a powerful tool that can bring change and improvement to the world. Grants are available from various sources in order to fund important work that is not being done in the corporate world. If you are inspired to make improvements and make life better, you may be an ideal candidate for grant writing. How Do Grants Work? Grants are sums of money awarded by the government or other entities to those who can use that money effectively. Candidates for grants are usually those who can serve their community with the money given to them. The way it works is that you start with an idea. Your idea could benefit your community in areas that range from tourism to health care. If you have the capabilities to implement your idea, you then decide how much money it would take to do so. At that point you begin to write. You must convince those with the grant money of why they should give it to you. The writing of the grant may be the most important step in the process of receiving that grant money. Writing a Grant Writing a grant is a very precise process. It involves explaining very clearly what your idea for improvement is as well as why it is a worthwhile pursuit. In the actual grant writing, you must be very clear in your explanations as well as persuasive in your arguments. You can find actual templates or set up guidelines online or in style handbooks. Those resources will help you ensure that you are following proper procedures in writing grants. Grants for writers are potential job opportunities. Since some brilliant minds do not necessarily have the appropriate writing talent, they may hire a writer to actually complete the grant proposal. Writers have more opportunities to enter into the grant writing process than just being the executer though. Is it Possible to Get Grants to Write? Grants for writers are definitely available. What would you write that would be worthy of a grant? There are many possibilities. You may be able to write a guidebook that fulfills a community need. A tourism guide would be of particular interest to the government. Keep in mind though, that only unfulfilled needs will merit grants. Grants for writers are not given to those who are writing redundantly on a topic or who are writing about an issue that no one cares about. You may be thinking that writing is free. Aside from the actual printing and publishing costs, there is no money required to produce text. Especially if you think of writing as opposed to creating a clean burning engine, the costs are not even comparable. The great thing is that even if you don?t need very much money to get the words on the page, there are grants available just to write you a paycheck. On top of any costs incurred through research and development of your ideas, you will also get paid should you be awarded grant money. There are two different meanings for the phrase, ?grants for writers.? A grant may need to be written by a qualified writer. The other possibility is that a writer could actually be awarded grant money for their contributions. Writing is a powerful tool. It can persuade and benefit people from where it sits on the page. For that reason, writers and grants are inseparable. If you have a great idea that needs funding, consider writing a grant. If you are not a writer yourself, be comforted by the fact that there is someone out there who can do the writing for you.