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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.
The Business of Self-Publishing (self publishing) Self-publishing has become a common practice for many writers. Writers? reasons for self-publishing are varied, but it is commonly known that many writers want the accolades of having published work, no matter who publishes it. The freedom and business aspects of publishing work independently are desirable to many writers. A self-published writer is one who is in control of every aspect of their published work. The term self-publishing is defined as the publishing of books and other media by the authors of those works, instead of being established by third-party publishers. The advancement of technology has caused an increase in the self-publishers world, but it still only represents a small percentage of the publishing industry in terms of sales. The proliferation of media channels and web logging has contributed to the increase in self-publishers. The business of publishing books and other media independently is one that is unique and different from any other business. The most distinguishing characteristic of self-publishing is the absence of a traditional publisher. The author of the content takes on the role of the traditional publisher. The author is given editorial control of the content, arranging for printing, marketing the material, and distributing the material to consumers and retailers. The published books may be printed on demand with no inventory, which places a large amount of financial risk for the venue on the author?s shoulders. Many self-published authors end up subsidizing their work rather than making money from it. Digital printing technology has made it possible for the self-publishing concept to become mainstream in digital photo book printing. Self-publishers are able to get individually printed photo books from firms like Apple?s iPhoto, FotoInsight, Snapfish, and Printing-1. The motives for publishing work independently are varied, and there are numerous reasons for choosing to self-publish. One common reason is that the work of the author is not of interest to the commercial publisher, and otherwise not marketable. Some other common reasons for self publishing include an author?s preference to retain complete editorial control over content. Many writers are unwilling to compromise when it comes to the editing of their work, and some prefer to have their work presented ?as is.? Writers may also be denied publication because they are unknown and don?t have a substantial resume. Self-publishing may also be an alternative for writers who have written material on a popular topic but that is only of interest in a small geographic area. Topics that address an obscure topic in which few people are interested may also be denied publication by commercial publishers. Writers of controversial works may also choose to self-publish, as many traditional publishers refuse to work with controversial writings. There are also some authors choose self-publishing because they want a larger percentage return from retail sales. Whatever the reason for self-publishing, authors should know that there is extensive work required in publishing a book alone. Publishing alone involves a long list of tasks, which include prepublication and publication. Prepublication includes editing or obtaining editing for the manuscript, proofreading, establishing yourself as a legal retail business, and obtaining an ISBN ?Cataloging in Publication? number. The publication process involves formatting the manuscript, providing front matter and back matter, and providing cover art for the front and back covers and the spine of the book. Self-publishers must also obtain printing quotes, determine how the manuscript will be delivered to the printer, and pay for printing and delivery of finished books. Self-publishing is a business that many writers prefer to avoid, but for others it may be the only way to have the work printed and available to the public.
Steps on Reinventing yourself to Land a Better Job Having a decent job can greatly improve the quality of your life. You probably spend a fair amount of time at work. With that in mind, you do not want to be miserable when you are at work. If you want a better job, make yourself more attractive to employers. This task may be easier than you think. Start making some simple changes and watch the job offers begin to appear. The number one way to reinvent yourself in order to land a better job is to reform your attitude. Even if you are working at a nightmare of a job at the moment, you need to fight to stay positive. That negativity can be seen a mile away. You may not realize it but your face expression, posture and quality of work give off your frustration. This attitude is the first thing that has to go. Simple ways to change the way you feel about your current job include being on time and in uniform or proper dress code. These are two easy steps that will give you more pride about yourself. If you are out of dress code and late, you are not just making statement about the job. You are making a statement about yourself. Change these aspects of your working environment and you will be on your way to increasing positive energy. Take some classes. Whether you have a degree or not, brushing up on skills is always a good idea. No matter what your schedule is like, you can find time for a class or two. Use the Internet and take online classes if time is a major issue. Work at your own pace and pick up new skills. A degree or a couple of classes will make you more attractive to employers. Move away. If you are tired of dust collecting on your Communications degree while you wait tables, move to a place where your degree is more marketable. Find an area where the job market is fertile. When the economy goes south, certain job types are completely eliminated. If you are eager to find a better job you may have to go somewhere else to do it. Apply for higher positions in the company that you currently work for at the moment. Even if you are not really that thrilled about the current company you work for, while you are there you should make the best of it. Get as much experience as you can so that you will have a nice extensive work history to refer to when you are looking for a new job. If you want a better job, do some networking. Take advantage of the people that you know that have better jobs. Surround yourself with people that are working at jobs that they enjoy or are successful at. This is a great way to pave the way for yourself to get a better job. Figure out what type of job you want before you start looking. Narrow down the search and target the positions that fall in line with the jobs that you are most interested in. If you a constantly saying that you want a better job but don?t have any idea what the better job is, you are not going to be very successful in you search. Have a job in mind before you start your search. Join networking sites. These sites can be used for networking for jobs among other things. Be sure that you take the professional route when you put up your page. Let employers know that you are serious about finding a job. Do not post pictures of yourself at parties or in questionable positions.