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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.
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A Woman?s Appearance Do?s and Don?t for the Job Interview Proper dress and interview attire is one of the first and most important things that you have to work with when you are invited to an interview. Whether you are trying your luck on a position of CEO or as an entry-level worker, the person hiring you will make a great deal in out of the clothes you are wearing. Appropriate clothing is one of the first things that an interviewer will see of you and if you are off with it, you do not even have to talk much anymore. For a woman the dress to impress factor is way more complicated than for a man. A man can always choose to wear a business suit and tie, while there is not quite such an equivalent for the female clothing market. To give you a good idea about what women?s clothing articles you should wear when going for an job interview, here a short list: blazers, closed-toed shoes, dress pants, dress shirts, dress coats, women?s suits, skirts, hosiery and turtlenecks. All these clothing articles should be in solid colors and patterns. It is recommended to wear such colors as black, blue, navy, gray, brown and white/beige for shirts and tops. Colors and patterns need to be subtle and should not give the interviewer the wrong idea about you. Bright red attire might suggest that you are wilder or need to be the center of the room and this is not one of the traits that an employer wants to see in their employees. For women it is also very important that they do not wear to sexy cloths. No deep cut shirts that are exposing too much of the chest area, as this could suggest sexual tendencies to the future employer. Going along with this point is the skirt lengths. Should you decide to wear a skirt to your interview, keep your skirt lengths long enough to reach the knees or surpass them. Anything shorter is seen as na´ve or even worse. Especially important when wearing a skirt to an interview is to wear tights and similar hosiery. Hosiery should be plain and without patterns. The colors should be complementing your business attire but not be too contrasting. When getting ready for your interview, besides the apparel you are wearing, the way you look is just as important. How about your hair? Make sure your hair is neat and do not style for a party. When putting on make-up, tread lightly. Do not use provocative colors such as way to red lips, especially in pale skin types. Make-up needs to be subtle and needs to emphasize your business attire. Most women do like their fingernails adorned with nail polish. When getting ready for an interview, it is important that your fingernails are neat and clean and when using nail polish, the color needs to complement your attire. Bright red is one of the colors that is not recommended to be used. Rather a clear, golden or darker subtle red color is more appropriate. It is also important to remember that anything that distracts from you as a person while being in an interview can take away the chance to land the job. Whenever you are going for an important interview it is recommended to have friends, family or maybe even colleagues check out your attire. Often times you might be wearing something that is not appropriate or does not fit right and in the excitement and rush of getting ready you might have not even realized it. Also, keep in mind that you need to feel comfortable in what you wear to be confident and secure when talking to the interviewer.