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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.

Why Taking that Vacation Can Lead to a Better Workplace Do you love your vacations? Are they relaxing, fun and entertaining? There are many reasons why a vacation can enrich your life and fulfill you with joy and happiness. But many of these reasons actually can also be directly translated into reasons for why taking that vacation can lead to a better workplace for you, your boss and other employees. Vacations are as essential to a hard working employee as a parachute to a person jumping from an airplane with the goal to land safely. Many employers would love to minimize the time you are gone from your workplace because they think the more time you spend there, the more work you will accomplish. This argument is right up to a certain amount of hours and days a months or a year, but whenever your body starts to get tired and exhausted, the amount of work that you produce decreases. The quality of your work starts to decline as well. Time off work, time together with your family, time to relax, time to regenerate and time to just plain have fun are very important in an employees life. Taking a vacation has many benefits to the employee, but also to the company you work for. The more relaxed and happy your worker starts a workday or the workweek; the better will most likely be his or her performances at work. Research has shown that relaxation and regeneration are essential to human bodies. Did you know that in some companies in Europe and Asia, the emphasis on relaxation goes so far that meditation, morning sport and a short power nap belong to their required parts of a work day? The United States is actually one of the only industrialized countries that does not mandate a minimum of vacation days that the worker has to take off. In fact, in many countries in Europe, a minimum of 20 and more days is the norm. Since the late 1970s, the average middle income family works in total hours three and more months a year more then they did back then and according to a research done by Boston College, approximately 25% of Americans do not take a vacation at all. After all these facts are slowly emerging from mounts of collected date, some of the bigger American companies have actually begun to realize that off-time and vacation are essential to prevent mishaps and screwed up designs and products. If you are not taking your vacation or your employers does not allow for any vacation, a series of health hazards such as stress and high stress, sleeplessness, burnout, heart attacks and even more serious health conditions can occur. Another big factor in working too much, working overtime or never having vacation can be problems and loss of family and friends. Problems with families and friends will directly impact performance at work and even though the employee might not talk about it at work or might b e holding back his or her feelings, the mood and general behavior of the employee will have an impact ion his work and other employees. Every employee should value the vacation time given to him or her and employers should grant the time asked for to their employees. Vacation is essential to the performance at work and the quality in products the company can deliver. Following the examples that are set by many European countries, the US should give their employees the time they need and also make sure that their employees do take the time off to be a better employee overall. Vacation is fun, relaxing and regenerating.

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