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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.

Business writing: What it is and Tips to Help You (business writing) Business writing is much more precise and less detail oriented than other styles of writing. In writing for a business there are a few elements you must know. Your knowledge or lack there of these elements can make or break your business writing career. Your goal for business writing is to strive for clarity and precision, yet not be too vague or elaborate. Examples of business writing would be emails, business plans, brochures, and many more. Virtually anything writings that pertain to a business are classified as business writing. When people read business writings they are not only looking for what happened and why, but how you are handling the situation at hand. A person reading a business writing that has an organized and concise style with an active tone is going to heed a much better result and give confidence that any matters will be taken care of. Organize your thoughts. The more organized you are the quicker and easier it will be for you to put your words in a decisive and orderly style. Your writing should be grammatically correct along with the proper usage of capitalization and punctuation. These errors can cause misinterpretations amongst the readers of your business writings. An example of correct and incorrect punctuations would be “We are missing the actress Jane.” Or “We are missing the actress, Jane.” While both are correct, they mean two entirely different things. Business writing is backwards or upside down from other writings. You start with the ending and then give a brief synopsis on how you got to that point. You may include other avenues that were considered and why they were not chosen. Have a positive attitude. Even if you are conveying a message that has on outcome other than optimal a positive tone will bring a much better response. Tell your readers what good came about from the outcome. Tell them what you can do with these results. For example a non-profit agency held a fundraiser. They were hoping to bring in $25,000 for building repairs and play ground equipment. Unfortunately, they only got $15,000. Positive tone writing would be “Our fundraiser was successful. We can now begin building repairs.” Or “The new playground equipment will be delivered tomorrow due to our successful fundraiser.” Even though it was not as much of a success as you would have liked, by keeping a positive attitude and showing people what can be done will promote a positive attitude in the future. A negative tone might be something like “Since our fundraiser was not as successful as we had hoped, we will have to choose between playground equipment and builder repairs.” This approach could be unfavorable to future fundraisers because it seems as though you are unthankful for what you did get. Being positive shows your appreciation for the hard work or donations that you have received. Don’t play the blame game. Even if you know whose fault it is a deal fell through there is no need to start a mud-flinging contest. Surely, the person responsible is already aware of the situation and chances are so is everyone else. Down the line they are not going to remember whose fault it was, but they will remember who was naming names. This is not only very unprofessional, it is malicious and that is not how you would like to be talked about. Finally using an active voice will promote a better reception to your business writing than a passive one. An active voice shows that you are in control and are aware of how or why things are going to happen.