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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.

Do and Don’ts of the Interview Process No one likes job interviews. From the moment you schedule the interview you are under a microscope. Your potential employers waiting for you to make the move that make you stand out or eliminates you from being a candidate for the job. This necessary dance that just about everyone, has to go through can be mastered. Learn the key things to do to become a high-ranking candidate for a job. First of all, before you go to the interview be prepared. Having copies of your resume and pens are only half the battle. Where exactly is the office located? Do not leave the location or the interview site up to chance. The only way to know exactly where your interview is and how much travel time you should allow is to go there. Even if you are interviewing out of town, find out how long the drive is to the interview. Nothing disqualifies you, in most cases, faster than being late for your interview. Before you are sitting across from the interviewer, accumulate some knowledge about the company. Knowing about the position is not enough. Everyone that interviews will have read the advertisement for the position. You need to be armed with information about the company. Have they won any service awards? Are they ranked as one of the best companies in America to work for? Find out and impress the interviewer. Another way to impress the interviewer is to have intelligent, thoughtful questions to ask. Ask about productivity, benefits or training procedures. Show that you have done your homework and are truly extend about the position. Be attentive and bring the interviewer as much information as possible about yourself. If you have a portfolio or reference letters, be sure you take them to the interview. Also be prepared with complete work history and information as well as past residency information. Be ready to answer a few probing questions. Why do you want the job you have applied for? What makes this a good time for a job or career change? Have some intelligent answers for these questions. Interviews will know if you are nervous. No matter how badly you need the job, do not appear desperate. Show that you believe in yourself and are confident about your ability to do the job. Speak in terms of when you get the job opposed to it. While this is a bold move it is a way to reinforce the idea of you being chosen for the job. This is a trick for both you and the interviewer. No matter how true this may be, never tell the interviewer that you “really need a job”. If this is what you tell the interviewer they will think that you are willing to take any job. Also, never talk negatively about your current boss or co-workers. Give as objective view as possible if you are asked about your current job relationship. Inquire about the next interviewing steps. This will not only show the interviewer that you are interested in the position it will also give you some time to prepare if you are called for the next interviewing step. Be sure to keep a notebook in your car so you can jot down notes immediately after you leave the interview. This is the best way to keep track of important facts about the position. In a day or so, mail a thank you card to your interviewer. This could be the added interest they are waiting to see from you in order to eliminate the other candidates.

Important Networking Follow-Ups: How to Get Those Job Leads Calling When you leave a networking event, you may be buzzing at the prospects offered by all of those new contacts you made, but soon, the cold reality sets in. How will you be able to convert those contacts you made over a glass of wine into valuable business opportunities for you? Successful networking is all in the follow-up. If you’re looking for a job, following up is all the more crucial. Without touching base after a networking event, you become just another face in the crowd of job hunting hopefuls. The first important rule for following-up with networking contacts is to lay the foundations for the follow-up during the initial meeting. At networking events, there can be a lot of empty promises thrown around. Use that first meeting to convey the message that you haven’t gotten caught up in “networking fever” but instead that you are very serious about exploring the job opportunity that you’re discussing with your new contact. Ask the contact when would be a good time to follow-up with them, and then reiterate the information back to them at the end of your conversation: “I look forward to speaking with you Friday at 2 p.m.” If they don’t give you a specific time, then suggest one to them. This rule holds true even if your contact is giving you a lead on a job not with them but with another contact of their own. Let them know you appreciate the information by saying, “Thanks. I will plan on calling Mary on Monday afternoon at 1 p.m.” Not only will this convey your seriousness about the opportunity presented to you, but it may also get you some handy inside information, as the contact may reply, “Oh, no, Mary will be out of town until Thursday – call her then.” The next important rule to networking follow-ups is to follow up with EVERY lead a contact gives you. If a contact suggests that you call someone whom you know won’t really be able to help you in your job search, call him or her anyway. Otherwise, when your contact finds out you aren’t taking their advice, they may just decide not to give you any more the future and any business person can tell you that you never know from whom the most valuable lead will come some day. Keep the lines of communication open by giving any and all suggestions a whirl. Last but not least, do the actual following-up. Follow up with your contact exactly when you said you would, and in the exact manner you said you would (phone, email, letter, etc). If for some reason you can’t make contact at the arranged time, keep trying. If you haven’t made arrangements for a follow-up with a contact, then the rule of thumb is to follow-up with them as soon as possible after meeting them. Try to at least send an email or letter the next day saying what a pleasure it was to meet and that you look forward to talking more in the future, and then say in that note when you plan to follow-up with your contact by phone. Then, of course, stick to that new follow-up obligation. Even if the promises made by a contact while networking don’t pan out for you on the job front, don’t cross them off of your contact list. Keep them in the loop about your job search and your career goals. While they may not have been able to make if happen for you this time, you never know what they might be able to do for you in the future. Your most promising business contact may be someone you already know.