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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.
Networking Know-How: How to Get Through to the Busiest of People When you are job hunting, sometimes the most frustrating part is just getting your foot through the door to let the right people know that you are out there and available for work. Companies can be like members-only clubs; they tend to be a little distrustful of cold callers and most executives advise their assistants to run interference for them on the phone so they do not get stuck having a protracted conversation with someone they just aren’t interested in doing business with. The thing is that to get an interview, these people can be the very same people you need to talk to. How do you get these busy people to clear some time off in their busy schedule to speak to you? First things first – you have to get the right attitude. If you want busy people to make time to talk to you, you have to present yourself in a way that makes them feel like you are worth the time investment. The trick here is that you have to do this by phone, and often, you have to first convince an operator or personal assistant that your call is one worth putting through to the boss. Your phone etiquette and vocal confidence will be the key here. Consider you basic phone manners first. Instead of launching right into what you want, respond to the greeting of the person who answers the phone with a hello of your own. Animate your voice and always remember that simply saying “please” and “thank you” can go a long way. Be the kind of caller that you would want to talk to if your job was answering the phone all day. People will respond to your positive attitude with a positive attitude of their own. Next, consider your confidence level on the phone. Do you tend to get tongue-tied and stumble over your words? That kind of delivery from you will set all the warning bells ringing on the other end of the phone, and you will find the person with whom you wish to speak always “out of the office.” Instead, work on sounding like you are confident that it is a forgone conclusion that you will get to speak that busy person you want to talk to. Be confident that what you have to say is something that is worth hearing. It may help to write out a framework of what you will say and practice a few times so you sound relaxed and composed when you make that call. Once your attitude is right to make the call, you can then employ a few tricks of the trade for getting through to those busy people. Instead of giving away too much up front, start your call by asking if the person with whom you need to speak is in. If the answer is yes, then you can remove on potential “excuse” for not putting your call through. If your call can’t be taken at that time, skip the message. Let the PA or operator know that you will call back again. That way you have a legitimate reason to keep calling. Of course, you might have to keep calling and calling, and that assistant might start knowing the sound of your voice. If you keep speaking to the same person, it’s time to open up with some person details. Let them know your name, why you’re calling, and if someone referred you, who that person is. Developing that personal relationship can help you get your call through to the boss. Last but not least, don’t give up. Busy people are, well, busy, and not necessarily avoiding your call. Persistence pays off, so keep on calling until you get through. Four Ways to Create a Better Work Environment and Increase Job Productivity What kind of environment do you think creates the most potential for job productivity – one in which everything is very regimented and the workers perform their work because they are afraid of “getting in trouble,” or one in which the workers are relaxed and allowed a great deal of freedom and flexibility? It is the great working conundrum – to get workers to do more, you have to let them work less. Further, you have to create a work environment in which work is not stressful. In fact, creating an environment in which work is even enjoyable and a pleasure gets the best results of all! If you want to get your employees to improve their job productivity and job performance, forget about cracking the whip. Instead, think about how you can make coming to work appealing for them, so they actually want to get things done for you! The first way to create a better work environment and increase job productivity comes down very much to your attitude and the way you treat your employees. Make sure you create an environment in which your workers can come to you and discuss work related problems they are having with you. The feedback you get from them will enable to make sure the office is working as efficiently as possible. Additionally, it will allow you to stay on top of everything that is happening in the office much easier – instead of employees trying to hide mistakes and problems from you, they will bring them to your attention and work on finding a solution. Above all else, creating a good relationship with your employees will keep the mood in the office positive – no one likes working for someone who doesn’t appreciate them or casts a black cloud over the office. You’ll get more out of your employees if they are happy when they are at work. The next thing you can do is consider “fun” options, like a dress down day once a week or a weekly office lunch get together. These kinds of shared activities increase the team building and the morale among the workers in your office. When everyone feels like he or she is a member of a team, they will be more likely to feel responsible to each other and perform better at their daily tasks. The third idea for creating a better office environment is related to the second, but has more to do with the actual office itself. Open plan offices are believed by experts to increase feelings of belonging and team membership among employees. Try to encourage shared workspaces and a healthy exchange of ideas between your employees at all times. Again, when employees feel like they are part of a team working together for a common goal, they will be more likely to make sure they are holding up their end of the bargain. Last but not least, make sure your employees are well rested and as stress free as possible. Allowing flex time hours in your office is a great way to give employees more control over their time; it gives them time to get rest when they need it or take a day off when they need to recharge. Encourage your employees to disconnect from the office when they are not at work instead of being constantly available, even after hours or when they are on vacation. An employee who actually gets some time off will be more productive when they return to the office. Likewise, make sure that the office has a break room that offers a real respite for employees during the day, and encourage employees to make use of it. Allowing your employees to get they breaks they will increase their ability to deliver for you when they return. |