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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.

Get Noticed at your Job by Doing it with Flair Doing your job with “37 pieces of flair” may have entered the pop culture vernacular through the famous movie about life working an office, Office Space, but there may just be something to it. You might not need 37 pieces of flair, but doing your job with a little bit of flair and a lot of hard work is a great way to get noticed in the office and to move on to bigger and better things. How do you go about doing your job with flair? The first way to make sure you are doing your job with distinction doesn’t involve much flair at all – it simply involves doing your job and doing it well. Know exactly what your responsibilities are and attend to them every day. Don’t let any of the things that come under your job description fall by the wayside because you think they are unimportant. If you are unsure exactly what all of your responsibilities are, ask your boss for a meeting and discuss your job description with them. You will get noticed simply for your desire to make sure you are covering all of your bases and not letting any of your responsibilities fall by the wayside. Another way to do your job with flair is to add to the good morale in the office. Everyone has at least one person in the office that is like a black cloud hanging in the air. Gloom, doom and pessimism don’t really have a place in the office. Even if you feel like you are heading for a fall with the way a certain project is coming together or because someone on the team is not pulling their weight, look for solutions instead of standing around and complaining about it. When your attitude can help people stay on track with their work and not dread coming into the office every day, you are bound to get noticed. If you really want to add some flair to your work performance, learn how to manage your time and avoid procrastination. Time management is one of the biggest problems all employees face, and when you don’t manage your time efficiently, you are not being as productive as possible for your boss, which never wins you any fans among the management team. If you find yourself always rushing through your work at the last minute trying to meet your deadline, try keeping a journal of all of your activities at work for a few days. When you see how much time you spending doing things like talking with co-workers by the water cooler and surfing the net, you might see ways you can improve your work habits, so you can get things done well before the deadline is pressing down on you. Increasing your productivity by managing your time is a surefire way to earn some praise from the people over your head. Another way to add flair to your work performance is by being a team player. It can be tempting to thing that to have flair you have to go out on a limb and try to do everything yourself, but that is not the case. Employers don’t like to see an employee trying to hog credit for things that everyone has worked on together or trying to one up everyone else on the staff. When you work together with the team, you show your employer that your interests are with making the company a success and not trying to advance you own personal agenda. If your employer understands that you see the bigger picture of making the company succeed, you are sure to get noticed and rewarded.

Craigslist a Great Place to Find Free Stuff – While Exercising Caution of Course Craig Newmark of San Francisco founded Craigslist in 1999. Craigslist is a web page that offers anybody to sell or by articles virtually free of charge. Some of the categories such as job ads in some of the major cities have a charge, which is the funding for all the other private, free ads on Craigslist. Currently the web page is available in approximately 450 cities all over the world. IT serves more than nine billion viewers per months and therefore gives the web page a ninth place in the rankings for most frequently used web sites in the United States. The web sites offer over thirty million new postings and classifieds each month. Categories for classifieds and advertisement range from job and housing postings over traditional buy and sell classifieds all the way to community events and personal ads. Since Craigslist offers so many different ads and classifieds each month, it is also a great place to find free stuff. Many people that are about to move or have top give up a hobby due to whatever reason often times offer things for free on this web page. Generally ads and classifieds are divided by categories and then listed on the pages depending on the proximity to a major city. Many major cities in the United States have their own Craigslist. Classifieds that are posted on a city site generally are from somewhere in the proximity of the city. Often time’s sellers expect the buyer to pick up the merchandise. Therefore, it is not unusual to find car ads, fitness equipment, baby clothing and items, furniture and more on the web site. Posting is for most classifieds free and there are also no fees for anything else. In contrast to some other pages, posting a used children’s toy, a piece of furniture or similar as well as anything else is completely free. The seller has the possibility to stay anonymous till shortly before the sale, when the seller decides to hand out his or her telephone number or address for sale purposes only. Of course such classifieds and advertisements can also be cons and need to always be handled carefully. Generally a good judgment of the price and offer helps to prevent from falling for fraudulent classifieds. Even though there are measures from the creators of the website to prevent fraud such as official statements and more, there is no guaranty that a fraudulent add will be taken off in time to prevent any trouble. So whenever buying or selling on Craigslist do it with caution. Craigslist offers classifieds for anything. Community, housing, personals, jobs, for sale, services, gigs and even discussion forums are all part of the web site. On this website anybody can post anything. Therefore it might take some time to find the right ad. It might even be possible that the chosen product cannot be found. Craigslist works like an online yard sale or a flea market. Therefore finding the exact product may be hard. But sometimes getting lucky is all that it takes and then the seeker is united with the product of desire. This web page should be used and supported by anybody and everybody. Whatever there is for sale, it should be put up on Craigslist, so that other people can male good use of a product that might be a good product for someone else for a few more years. Even jobs can be found on Craigslist. In cities such as New York, this web page’s jobs are one of the most important sources for job hunters and therefore are not free of charge for the employers that are posting in some of the bigger cities.