Welcome to www.ircd-ratbox.org
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?
Conducting a Self-Evaluation After Getting Fired Sometimes life is hard and when you get fired, it gets even harder. In a country where employee turnover is high and there are no laws to protect you at your work place, potentially anybody is at risk to be fired. In general, that is true, but companies usually only fire a person that has done his or her job improperly, or is not qualified for his or her job any more. Therefore after you get fired, it is time that you conduct a self-evaluation. First of all, you need to make sure you know the reason why you have been fired. Do not just assume, you know why you have been fired. Make sure that your employer tells you the exact reasons why he has fired you. A self-evaluation as to whether the employer is right and whether you might have to work on yourself can only be done after you know why the company has told you to leave. If it was tardiness and absence of work that has gotten you fired, you need to be self critical enough to see that you need to be on time and be at work every day that you are not taking a vacation day. Keeping a job means playing by the rules and these rules do include times that you have to be a t work if you want to keep the job. When your boss told you, that you are not accomplishing your work or you are not qualified for the position, think back and try to find out why he might have said that. Did you deliver your work on time? Was it correct, mostly without any problems and errors? If that is not the case, then perhaps your boss was right and maybe you were not qualified enough to do the job. It might be that you need some more training or some more classes at the university to be able to do your job right. Or maybe you have just chosen a job that is not for you. When you are conducting that self-evaluation, make sure you are not too hypercritical. If it clearly was your fault that you got fired, you need to improve yourself and the personality traits that have led to the firing. Sometimes even though your boss gave you an explanation why you have been fired, you might not agree with the reason you have gotten fired from your company. Yes, sometimes these reasons might not be right. Since this is a society where anybody can get fired, maybe you have been fired because your boss did not like you and he made up some dubious reason for firing you. This is why you have to conduct a self-evaluation to make sure if what you were told is the truth. A self-evaluation might also lead you to the conclusion that you need to choose a different profession than the one you have been in. Maybe it took to get you fired to ser you in the right direction and at some point in your future you might actually thank that boss of yours that he had fired you. Otherwise you might have never found the job that you were destined for and would have been miserable doing the job you were doing. Unhappy employees are not good for a company and some bosses are good enough to realize that. Whatever the reason is that you got fired, make sure you find the reason and check with yourself how much truth lies within that reason and do you have to change to be a better employee and be able to keep your next job.
Get Roboform to Help with those Countless Online Forms for Free Stuff RoboForm, is a web site that offers users programs to make life on the Pc and on the Internet easier. These programs help the user to remember and securely store online and offline passwords. How often does it happen that someone forgets the PC password and then there is no other way than reinstalling the whole PC operating system? The programs offered by the website also help with many other Internet and PC issues and tasks. RoboForm can log the user automatically into online accounts, complete online registrations and complete checkout forms with just one click of the mouse. This makes the program a great help with the countless online forms that exist for free stuff. Over and over fill freebie seekers online forms. Name, address, e-mail, birth date and more and this program is able to fill the information into the online forms with essentially one mouse click. For example, for online sweepstakes entries, the most important factor to receiving free stuff is how often one is able to sign up for different sweepstakes. Hunting down online free stuff is already time consuming, but filling out all the long and tedious entry forms every single time takes even longer. The company states, that this program can help the consumer increase the number of filled forms for sweepstakes at least ten times, since the users identity is stored in the software and then used to fill the online forms. When sweepstakes allow for multiple entries, the program can speed up this process even more. The software offers the option to save the data into a file and then the user needs to just choose the data and hit the fill and submit button and the sweepstake entry is on its way. For consumers of the software it is important to know, that RoboForm will not disqualify consumers from the sweepstakes and as the company states is completely legal. The reason a user cannot be disqualified for using this program is that the company that offers the sweepstake will not even remotely know that a program was used. Data is saved on the user?s computer and just used to fill the forms. The filling happens just like when the consumer enters the information himself into the form. Even if programs state that automated entries are prohibited, this excludes this program. The automated entries are referring to programs that submit the data to the page without the user ever viewing the page. With this program the user is still required to open the page, view it, and then fill the forms. The only part done by the program is filling the form. The user then still has to check the filled form and hit the submit button on the page by himself. This is what makes the whole process legal and a good deal for freebie seekers. By many this software is called the best way to automat sweepstakes and increases the free stuff coming into the house. Due to the programs ability to save online addresses users can browse thru their sweepstake web pages without having to remember all the long URL addresses. Additionally due to the ability to save already filled forms, users can easily participate in daily sweepstakes for certain products. When combining this software with one of the online pages that offer links to free contests, free products and more, consumers can be showered in anything from free movie tickets, to food products and health products. Many consumers have positive feedbacks to offer about the amount of freebies they are able to get every month. Sometimes people apply for freebies, even if they do not really need them. There are always pages up there, where the product can be donated or sold to other people.