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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.

Yes, Freebies are Real! If you tell someone that something is free, they immediately start looking for the catch. After all, the words of wisdom “there is no such thing as a free lunch” have usually been proven true for people time and again throughout life, and so a healthy cynicism towards free stuff usually springs up with good reason. If you are one of these skeptical types, however, you may be missing out on some really great stuff. The truth is that you CAN get free things that are really and truly free, and yes, actually worth having. You just have to know where to look. OK, here is where the caveat comes in. The definition of “free” often depends on the definition of “cost.” As any economist can tell you, cost really doesn’t only come down to how much money you have to hand over to get something. There are additional costs, like inconvenience and time spent doing something. And true, some freebies have these “non monetary” kinds of costs associated with them. You have to balance all of the costs with the value of the free stuff you are getting and decide if it is worth it to you. The two biggest costs associated with freebies? Time and convenience are at the top of the list. Time is a big factor in many free offers. Companies want a bit of your time in exchange for their free products. Indeed, some companies literally want hours of your time. Have you ever taken advantage of one of those “free weekend vacation” offers in which you received free accommodation in a beach house or condo for a weekend in exchange for suffering through a long presentation and intense sales pitch? For some people, they can handle the presentation and have no qualms about refusing to buy anything and the free vacation more than makes up for it. Other people would rather pay any price to avoid having to listen to one of these spiels. So, while these weekends are freebies, for some people, they cost too much. More often, a company wants your time in a less obvious way – they want you to spend time filling out forms. These forms may simply be your name, address and email address, or they may be very lengthy, quizzing you about buying habits and the like. The reason the companies want you to do these forms is often for market research, and they are more than happy to give you a freebie in exchange for this. Many people find the time spent filling out these forms will worth it to get a great free product. Convenience is the other cost involved with many freebies. Time and convenience go hand in hand in some cases – after all, it may not be especially convenient to fill out form after form simply because it is time consuming, but convenience takes another hit from freebies in the form of spam email. Often, signing up for a freebie can land you on a spam email list, and for some people, getting tons of spam is so inconvenient that they would rather pay full price. The truth about all of these costs of freebies is that the freebie is in the eye of the beholder. You have to decide what you are willing to put up with in order to get a free product. Once you know the limits to your freebie costs, than you can cash in on some really great products that don’t cost you a dime. When you spend five minutes filling out a form and get rewarded with a free DVD player that you have been wanting, you will realize that there are free things out there to be had.

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?