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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.
Highlights for Free Stuff for Educators Everybody knows that teachers work hard for little monetary compensation. Fortunately, there are many fine resources available that allow educators access to free stuff. Who deserves free stuff more than our teachers? If you are a teacher searching for the best of what the web's freebies, here are some places that offer freebies just for educators. Teaching Education Aid Available for Free There are many websites on the World Wide Web that offer totally free educational and teaching aids. If you teach younger students, you can find great coloring pages. You can also find several teaching aids, including alphabetical pages. Why spend money on expensive preprinted alphabets? You can gain easy access to your own free alphabet pages. Print them out, color them and seal them to make them last. This is an easy way to put together very elemental packets and gain access to fun activity pages. 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Take advantage by contacting the magazine for your free educator subscription. Save the Earth and Get Free Stuff from Recycling with Freecycle Get ready to become more earth-conscious by freecycling. What is freecyling and how can it help the environment? As the name implies, the concept of freecycling is directly inspired by the idea of recycling. Freecycling is not only a great way to help protect the earth's natural resources and prevent the flooding of landfills, it is also a great and viable way to find goods and services that you really need. Thus, freecycling is a very practical approach to many of the problems that we face today. What is the Freecycle Network? Freecyling has found a home at freecylce.org. The Freecycle website is home to the Freecycle network. This network is made up of over 4,000 groups with a total member population of over four million people worldwide. 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For information on posting, replying or reading messages to your local yahoo group, visit your local group and become familiar with the delivery options. If you have any questions, contact your group's moderator directly. |