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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.

Pertinent Advice for Negotiating Salary Your salary is a huge factor when it comes to job satisfaction and overall quality of life. That is why negotiating salary is something that you should never overlook. While many employers like to state that starting salary as if it were etched in stone, there is usually some leeway in how much you will make. Remember, what you make is going to affect your entire life. Negotiating your salary is something that you should take very seriously. There are a few things to consider before you start throwing out figures. You don’t want to lose the job you have just gotten. First of all, leave the salary negotiating for the end of the hiring process. This is important because if you agree to a lower salary earlier on in the hiring process, you will be locked into that salary. Also, as the hiring process goes on and you become more of an employee, opposed to an interview, your worth increases. If you have gone through several interviews and met a few different managers, you have been able to make an impression on a number of people. That means that several different people have measured your worth to the company. When salary negotiating comes around, you can ask for more money. With several different people discussing your salary there is a chance that your state price may win out. Before you begin negotiating salary, you should know how much you are worth. One of the most important aspects of job hunting is finding out how much your skills and talents are worth in the job market. Armed with this knowledge, you will be able to market yourself better and know whether or not the employer is bluffing you. If you know that the salary they are offering you is much less than other companies offering the same position are offering, start the negotiating. Employers are always looking for a bargain. They never shoot out the high end of salary numbers. Employers start out at the bottom of the salary barrel. That means you can work to boost the salary offer. Of course, you do not want to sabotage yourself by acting too cocky but do not crumble under pressure. Be savvy in your negotiating and recognize that if the company is hiring, they need you. Yes, you may need a job, but the need is mutual. They would not be going through the interview process if there were no need of your services. Also, they obviously were impressed with your credentials. Be sure that they appreciate you will a decent salary. Know when to start salary negotiation. When the employer is explaining the job description to you, if they state a salary that is lower than you would like, let that pass. Until you have been offered the position, you do not need to worry about the salary. The first thing is to get the job. Once the offer is made and you are filling out paper work, you can start the negotiating part of the deal. It is important to know when salary negotiating is not an option. There are certain jobs that offer a set salary for certain position. If you are interviewing for a job that has a stated, set salary, you do not want to negotiate. The stated salary is the one that you will be getting if you take the job. In these cases, whether or not you are willing to settle for less is the question at hand. If the salary is too low for you to handle, get out there and find an employer that appreciates your talents.