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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.
How to Be a Better Employee when You Work for Yourself Whether you are just starting or you have had your own business for many years, there are many reasons why you would be a better employee when you work for yourself. The biggest reason of all is probably that you work to make your own living. You do not just get a salary. If you as the boss and owner of the business do not produce the work and effort needed, you most likely will not make any money. If your business is not only providing for you, but also for you family, it is even more important that you make profit of your company. No profit and income from your joint venture means no food on your family?s table and that is a serious problem. For this monetary reason, many self-employed workers work harder, longer and put more effort in than other employees. Another reason lies within proving that your business can be successful. You want to be top-notch in what you are doing. Whether it is manufacturing products or offering services, if it is your own business, you are taking pride in what you do and you want to prove to customers and others that you are their first choice. Then you need to deliver quality. Often times as an owner of a business, you make sure that everything is one hundred percent and that is more than you would most likely give for somebody else?s business. If you work for a company as one of their employees, you might wonder why you should work long hours each and everyday, without the benefits. However, when it is your own business, money flows right into your pockets and every profit you gain from working harder can be yours immediately. Also, if you belong to the group of people that like to decide when they start work, when they finish and what they do, then being your own boss is probably one of the best choices for you. It is easier to work better and give more energy in what you do when you can decide what exactly you want to work on. Of course, some things always have to be done, but you can more or less decide whether you want to do it now or at ten o?clock at night. Did you also know that most of people would work better when they are having people that are under them? You are trying to set an example in work ethics, hours worked and projects completed and therefore, you will put extra effort in what you do when you are working for yourself. Your employees take you as an example for how they should do their work and if you just hang around and do nothing, why would your employees be motivated to do something? But if they get feedback and motivation from you and can see that you put just as much effort or even more into the company, they are more likely willing to follow in the footprints that you have left for them. Keep in mind, that when working for yourself, you are your own resource and motivator. Therefore it is important that you keep better work ethics than when you work for somebody else to not risk what you started. A hard working company owner most often gets rewarded with a growing business and happy customers that will come back year after year. Customers do like to be appreciated and a hard working business owner that will get on their case immediately is one way of appreciation to them.
Some Info on Those ?Get Paid To? Sites Where You Can Get Free Stuff Anyone who has spent even five minutes online is aware that there are many websites that offer free stuff, and many people cash in on hundreds of dollars of free stuff every single month. But what about taking that one step further? What if you could not only get some free stuff, but also actually get paid to get free things? It sounds impossible but actually you can make a profit on getting free things online. The catch is that you have to devote a little bit of time and effort to finding these deals and completing them, but many people find that getting paid to get free things is well worth a little time investment. One of the top places to cash in for free stuff is so called ?get paid to? websites. These ?get paid to? websites usually act as clearinghouses for all kinds of internet offers that give users the chance to make some quick cash by completing some tasks. Most of the time, the tasks you have to complete on these ?get paid to? websites involve filling out some kind of survey or submitting your contact information to a company. When you visit one of these websites, you can often click through offer after offer and complete them in your own time, racking up the cash along the way. But sure, filling out surveys is a way to get paid for doing something very easy, but what about getting paid to get free stuff? These offers also appear on these websites. Most often, you will get a free meal at a local restaurant and then get paid for submitting a report about your experience there. This kind of ?mystery shopper? deal is also in place at many big chain stores, where you may be given a gift card for a small amount to go into the store, buy something and report back about your experience. Companies use these services to test their customer service in stores and figure out what they could be doing better. So, not only will you get a free meal or a free item at a store, you?ll get paid for telling the company if you were treated well by the staff ? not a bad gig if you can get it! The way to get one of the deals is to keep a close eye on the ?get paid to? websites. There are many of these websites out there, so the best way to figure out which ones are worth your time is to look for ones that have deals on offer from big name companies that you know. Most of the times, a major company will work with one website exclusively, so you getting in with the website that has the biggest number of big name companies mean you will have access to the most valuable ?get paid to? deals on offer. Is there a catch to all of this free stuff? Well, there can be, but you can mitigate the hassle to some extent. The biggest problem with free stuff online is that you have to hand over your email address to a company who is sure to both solicit you in the future and sell your email address to other companies who will also start soliciting you by email. Cut the hassle by setting up a separate email address just for these purposes, so that your primary email address does not struggle under the weight of the spam. Also, never give out your phone number ? you can use a phony one with a 555 exchange or set up an online number that you use only for freebies. Managed properly, you can really get paid to get free stuff with a minimum amount of hassle.