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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.
A Top Notch Cover Letter Can Get your Foot in the Door If you have ever looked for a job, then you know that it is tough out there. Competition is always fierce, especially for those ?dream job? type of positions ? great company, great benefits, and great pay. If you want your resume to rise to the top of the pile in the Human Resources department and you want to get that call for an interview, then you need something to make your resume stand out from the rest. The best way to draw attention to everything you have to offer is to have a cover letter that jumps right off the page and grabs the attention of the reader. The cover letter is your first chance to make an impression, so make sure your cover letter makes you the one potential hire that is definitely going to be getting a call. Before you can get into the content of your cover letter, you have to cover your basics. You should never, ever have a ?form? cover letter that you use with every resume you send. Tailor your cover letter specifically to each individual employer, mentioning their company and the position for which you want to be considered. Address the letter to the correct person ? if you?re not sure who will be doing the hiring, call the company and ask. Don?t assume you can address your letter to the HR department and have that be close enough. Taking the time to write a personal cover letter to each company lets your potential employer know you pay attention to detail right off the bat. Of course, you should also make sure that your cover letter is grammatically correct and free of typos. A sloppy cover letter is a one way ticket to the trash can for your resume. Once you have your basics in order, you can turn your attention to what you are actually going to write in the cover letter. Your cover letter is your sales pitch to the company; you need to let them know why they should bet on your when they hire for the position. One great way to sell yourself is to show off how much you already know about the company. Let them know why you want to work there by specifically mentioning projects the company has been involved in that you admire or talking about the position of the company within the field. As you show off how much you know about the company, draw attention to the ways you can actively help the company grow and succeed by drawing parallels between your experience and their work. After you have shown that you have done your homework and know about the company, go into some detail about the unique aspects of your work history. Draw attention to any special achievements or awards and any educational background you have that makes you a good candidate for the job. Remember, your resume will be attached to the cover letter, so you don?t have to go into great detail. Just pick out the highlights that will make the reader want to turn the page and delve into your resume. How you close your cover letter makes as much difference has how you open it. State again exactly what job you want to be considered for, and suggest that you come in for an interview. You can also suggest a few dates and time for an interview to show that you are eager to move on to the next step. You should also give a time and date that you will call to follow up on your resume. A pleasant closing and your signature seal the deal on your winning cover letter.
Start Sampling for Free with the Start Sampling Website If you are looking for the best in online sampling, there is one Web destination that you should know about. The websites is known simply as StartSampling.com, and it can do wonders for your cache of freebies. If you are an avid freebie hunter, this is a website that you will definitely want to keep at your freebies by placing it on your active bookmark list. You will find that this is a fun and active community that you can consult on a regular basis for the best in online freebie sampling. How Can You Become a Member of StartSampling? If you are a newbie to the world of online sampling and freebies, here is a brief primer on becoming a member of this active community. First, StartSampling is a free service?never sign up for a freebie service that asks for monetary compensation or that requires a yearly membership sign-up. All you need in order to become a member of the StartSampling community is the ability to willingly sample many fine products from some of the company's leading manufacturers. As a member of StartSampling, you will receive samples as well as participate in the site's own Frequent Tryer Miles program. The Frequent Tryer Milers program allows you to collect points. You collect these points from participating in a variety of sampling programs and taking advantage of special offers and promotions. As a reward for participating in these programs, you will receive pints and gifts for free. This is your reward for being an active member of the StartSampling community. How to Contact the StartSampling Company Directly If you find that you have questions and concerns about using StartSampling, you can contact the company directly by selecting the 'contact us' button that is located at the bottom of the StartSampling home page. However, you will probably find that most of your questions can be answered directly simply by perusing the FAQ section of the website carefully. The FAQ provides you with an extensive list of questions and answers that have been addressed and compiled by the company. What Exactly Does StartSampling Do? Many newcomers to the StartSampling community wonder if the company is a web research enterprise. In reality, StartSampling is a promotions and marketing company. They have recently managed to establish themselves as a leader in online sampling. They do this by connecting consumers directly with the right kinds of companies. As an active participant of the StartSampling community, you will have the opportunity to receive samples from companies that you did not previously recognize. Sampling also allows you to inform marketers about your specific desires and interests. This way, you will receive product and service offers that are tailored specifically to your interests. In effect, think of StartSampling as a way to make your voice heard as a consumer. Where Do the Product Samples Come From? With so many online samples coming your way, perhaps you are wondering where all the samples provided by this community come from. All the samples provided to you by StartSampling are furnished directly by the small and large companies that are working with StartSampling. These samples are provided to StartSampling because these companies believe in their products and want consumers to try them and express an honest opinion. Most companies are looking to receive consumer feedback from members of their targeted consumer group. Who is Behind the World of StartSampling? Many newcomers are curious about who is behind the scenes at StartSampling. StartSampling is a leading online company managed by small group of energetic individuals. It is a privately held organization that is growing at a rapid pace.
Four Ways to Create a Better Work Environment and Increase Job Productivity What kind of environment do you think creates the most potential for job productivity ? one in which everything is very regimented and the workers perform their work because they are afraid of ?getting in trouble,? or one in which the workers are relaxed and allowed a great deal of freedom and flexibility? It is the great working conundrum ? to get workers to do more, you have to let them work less. Further, you have to create a work environment in which work is not stressful. In fact, creating an environment in which work is even enjoyable and a pleasure gets the best results of all! If you want to get your employees to improve their job productivity and job performance, forget about cracking the whip. Instead, think about how you can make coming to work appealing for them, so they actually want to get things done for you! The first way to create a better work environment and increase job productivity comes down very much to your attitude and the way you treat your employees. Make sure you create an environment in which your workers can come to you and discuss work related problems they are having with you. The feedback you get from them will enable to make sure the office is working as efficiently as possible. Additionally, it will allow you to stay on top of everything that is happening in the office much easier ? instead of employees trying to hide mistakes and problems from you, they will bring them to your attention and work on finding a solution. Above all else, creating a good relationship with your employees will keep the mood in the office positive ? no one likes working for someone who doesn?t appreciate them or casts a black cloud over the office. You?ll get more out of your employees if they are happy when they are at work. The next thing you can do is consider ?fun? options, like a dress down day once a week or a weekly office lunch get together. These kinds of shared activities increase the team building and the morale among the workers in your office. When everyone feels like he or she is a member of a team, they will be more likely to feel responsible to each other and perform better at their daily tasks. The third idea for creating a better office environment is related to the second, but has more to do with the actual office itself. Open plan offices are believed by experts to increase feelings of belonging and team membership among employees. Try to encourage shared workspaces and a healthy exchange of ideas between your employees at all times. Again, when employees feel like they are part of a team working together for a common goal, they will be more likely to make sure they are holding up their end of the bargain. Last but not least, make sure your employees are well rested and as stress free as possible. Allowing flex time hours in your office is a great way to give employees more control over their time; it gives them time to get rest when they need it or take a day off when they need to recharge. Encourage your employees to disconnect from the office when they are not at work instead of being constantly available, even after hours or when they are on vacation. An employee who actually gets some time off will be more productive when they return to the office. Likewise, make sure that the office has a break room that offers a real respite for employees during the day, and encourage employees to make use of it. Allowing your employees to get they breaks they will increase their ability to deliver for you when they return.