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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.
The Job Interview ? How to Handle Getting Around a Negatively Asked Question Many dread that day that they have to go for an interview. Looking professionally dressed, acting professional and displaying the knowledge is all important. Employers and interviewers test you for anything and everything that you can think about--from your likes and dislikes to the actual experiences with this type of work to the facts. Most of these questions you can dodge and answer safely and securely. But how about those negatively asked questions, how could you professionally dodge those questions? Often times a reaction to a negative question is what can make or break the deal. Sometimes employers ask these questions on purpose to see what your reaction might be and to be able to determine first of all your character and second of all, if the negative event in your life is related to a good or bad character. So how can you master these questions and possibly pass the tests? One of the most important factors when getting prepared to dodge difficult questions is to be secure and knowledgeable about any points on your résumé and in your life. If you have a good answer prepared for difficult situations that happened in your life, it will be an ease for you to get around negatively asked questions. Whenever an interviewer asks you a negative question, make sure you stay calm and do not answer hastily. Sometimes it is enough to give a very short answer and it does not necessarily need a complete explanation that might get you stuck. The longer the answer you try to make up, the easier you might stumble over something and then fall hard. When trying to get around a negatively asked question, besides that fact that you need to stay calm and give a short answer, try to get to a different topic. Strike up a conversation about your more positive skills and accomplishments and therefore get around that question that might have bothered you otherwise. In some instances, depending on the content of the question, it might even be best to answer truthfully. What if you were asked about staying home for no obvious reason? At least according to your résumé there is no job, no new degree or similar mentioned. Maybe it was for a sick relative or the birth of a baby? Why not use the truth in these cases as an answer. When answering difficult questions you might have to decide often on the spot how to answer. In any case, it will almost never help you to make up a lie for a negatively asked question. A lie can get you into a situation you cannot get out of, but the truth can never get you in a worth situation than you are in by answering the questions truthfully. If you do not want to answer truthfully because you think it can hurt your image, sometimes it then is better not to answer the questions. Try to divert the attention successfully to another more positive topic such as your achievements, earlier project or similar other experiences that led to a positive result. Keep in mind that the interviewer is testing to see if you are a good fit for the company and they do not exactly know you. They know a few facts about you, but the do not know the whole picture and especially not about the more negative things they might want to find moiré information about. So when going for a an interview and trying to get around a negatively question, make sure to be honest or to not get into details if you do not want to discuss the issue, but mainly make sure that you stay calm, do not get excited about it. A calm confident person can easily answer any and all questions that might be posed to him or her.
Copyright law Understanding Copyright Law Copyright law is a set of laws that is used to regulate things such as movies, plays, poems, musical compositions, drawings, paintings, sculptures, software, photographs, sculptures, literary works, choreographic works, radio broadcasts, televisions broadcasts and more. Copyright law is only regulated to cover the manner or form in which the information or material is expressed. For instance, it does not cover the idea or facts which are represented in a work. In instances where a copyright does not exist, patents or trademarks may be in place which can impose legal restrictions. Copyright law states that the holder of the copyright has the right to make copies or reproduce the work to sell. They can also export or import the work, create derivative or adaptation of the original work, display or perform the work publicly and assign or sell the rights to someone else. Copyright law is set up to protect people from having someone do something with their copyrighted work or material. Someone that has a copyright may choose to exploit their copyrighted work, or they may choose not to. Many people debate whether copyright law and copyrights are moral rights or merely property rights. It is important to note that in the U.S. copyright law covers protection for published and unpublished works. Copyright law protection covers a work from the time it is created in a tangible form. The author or creator of the work immediately holds the copyright to the work and it is the property of the author or creator. No one else can claim copyright to it, unless the original copyright holder (the author or creator) gives or sells the rights to another person. Many people fail to understand that merely owning or possessing a work does not give them the copyright to it. Just because you have ownership of a copyrighted work does not mean that you own the copyright. Likewise, if you copy someone?s work and list their name on it, you are undertaking copyright infringement. Many people also fail to understand when copyright protection is secured. The moment a work is written or created and it is in physical tangible form or recorded it falls under copyright law. While it is recommended to register your work through the Copyright Office, if your work is not registered and someone steals your work, they have violated your copyright. Using a copyright notice is not required by law. However, many recommended that the copyright notice or symbol be used so remind the general public that the piece is under copyright. Anything that is created after 1977 is protected by copyright law for the lifetime of the author of the creator, plus an additional 70 years after the creator?s death. The public domain is a good source of information that is no longer under a copyright or work that was never under a copyright to begin with. Virtually all works that were created or published in the United States prior to 1923 are said to be in the public domain. Things that can be found in the public domain that are free of copyright law generally include generic facts and information, works that have a lapse in their copyrights (this encompasses works that were created prior to 1978) and materials and information put out by the United States government. In addition, you may find works in the public domain that are free of copyright law because it has been dedicated to the public domain.