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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.
Five Flex Time Options that Can Propel your Employee Productivity Flex time is something that is still very rarely used in the United States, but has many followers in other countries, especially European countries. Flex time in general means flexible working hours for employees of a company. They way the flexible working hours are implemented can differ greatly. But one thing is for sure, flexible working hours can greatly propel the employee productivity in your company. Take a look at five different ways to implement flex time in your company. The first and probably easiest way is to give your employees the option to come in to work and leave work within a certain time range. For example, so far your employees worked from 8am to 5pm, now you might give them the opportunity to come in to work anywhere from 7am to 9am, and of course, leave somewhere between 4pm and 6pm. This first model would give your employees an opportunity to be on time as long as they are within that range and their individual habits are considered in regards to being an early riser or a late sleeper. This first model would set the rule that there are 8 work hours plus a one hour lunch in a work day and these are not variables. Therefore, you only have to check their arrival and leaving times in one way or another. A second option is very similar to this, but you can expand the hours worked to a weekly or monthly check, where the employee is responsible to work 40 hours a week with one hour lunch everyday. Then he or she can come and leave in the morning and afternoon in the specified time ranges. For the employee, this means maybe on days that he or she is more energetic, they can spent more hours at work to get their work done and on days they do not feel so energetic or so good or they have family things going, on they can come in the minimum hours established from 9am to 4pm. This version of flextime is a much appreciated model by many employees, but for the employer, it means more work in tracking hours worked and arrival times, to make sure the required hours per week or months are worked. An even more advanced version of the first two flex time themes is a theme where the worker can accumulate time to take off at some point in the future. How specifically you are going to use this version is up to you. You basically are making sure that your employees are not working more than the required amount of hours. Why would you profit from this? Less time spent at the work place makes for more time to relax and regenerate and your employees will be more efficient and motivated throughout your work week. In some companies this flex time method allows the employee to accumulate hours up to a certain amount and then for example, they are allowed to leave after six hours for several days to be home for activities with their family. In an even more expanded version, a fourth version of flex time options, the employee can actually take full days off after having accumulated hours. These days are in general additional to vacation and holidays and can be taken in agreement with their supervisor. The fifth option that has been adopted by some companies actually gives the employees the chance to go into negative hours on their time account. This means if you do not have the required hours, you can still take a flex day off, but have to make sure that after a period of time, that the employer sets in the contract your account goes back to zero or higher. If the employer is a really generous person, he might allow you to completely choose the hours you want to work. You might be able to take work home or work from 10pm to 3am if you desire, as long as you have your assignments done on time and your hours are fulfilled.
Sweepstakes Entries Can Garner some Freebies Are you ready to cash in on the web's best sweepstakes and freebies? When it comes to finding the best of freebies on the web, sweepstakes entries and freebies go hand on hand. There are many fine websites that act as repositories for free stuff and sweepstakes. Here are some tips for finding the best sweepstakes entries and cashing in on the best freebies to be found on the World Web. Tips and Hints for Finding the Best Sweepstakes on the Web There are many websites out there that advertise the best of the free web. These sites often list dozens (if not more) of freebies and sweepstakes. Unfortunately, there are good deals of disreputable and not-legitimate websites that offer erroneous information or simply dozens of outdated sweepstakes links. Fortunately, there are many easy to use tips that you can use to find the best in sweepstakes. Ordering Your Sweepstakes Entries by Category Part of the secret in winning sweepstakes is that winners are able to organize their sweepstakes entries. First, you want to order sweepstakes by category. What are you most interested in winning? Are you lusting after a brand new car, or are you coveting that full makeover and shopping spree? Remember—sweepstakes usually come in big packages, so it does not hurt to think and dream big. Of course, it is important to keep a healthy sense of perspective when you go about filling out sweepstakes entries, but you want to make sure that you are focusing on the right kinds of sweepstakes. Ordering Sweepstakes Entries by Entry Deadline Date Another easy way to bring order to the crazy world of sweepstakes entries and freebies is to organize all of your sweepstakes entries by the deadline date. The last thing you want to do is to focus your energies on sweepstakes entries that are already expired. Purchase a notebook with file pockets that allows you to organize all of your sweepstakes entries by category and date. Keep a calendar handy and make sure that you note the various deadline dates for submitting to sweepstakes contests that you want to enter. Keep an Eye on Your Favorite Companies and Sponsors Once you have been in the sweepstakes business long enough, you begin to notice a definite pattern—your favorite companies, businesses and corporations probably sponsor their sweepstakes contests on a regular schedule. Make sure you bookmark your favorites—those companies that are frequent sponsors of sweepstakes contests—and visit their site often. You want to get a leg up on the competition by knowing who will be holding a sweepstake contest at any given time. Make the Sweepstakes Directory Your Best Friend If you are serious about winning sweepstakes freebies, you will want to become very well acquainted with sweepstakes directories. The World Wide Web is a haven and treasure trove for sweepstakes directories. These are websites that contain libraries of links that can connect you to new sweepstakes. Thank the organizers out there, who feel the need to collect and label links for the rest of us. These websites can be great places to start your search for the perfect sweepstakes entry. Sign Up for Newsletters that Keep You in Touch with Sweepstakes Sponsors If you know that certain companies sponsor sweepstakes contests, consider joining the newsletters of the contest sponsors. Many sponsors use their free newsletters to promote sweepstakes contests. This is a good way to learn more about their giveaway patterns. You will also be the first to know whether about sweepstakes contests as soon as they go online. You can search the Internet for the best of these newsletters. Be warned that your inbox will quickly fill up if you rely on this method.