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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.

Keeping your Career Intact During Maternity Leave Since, for the most part, maternity leave in this country is not paid, the reality of returning to work after having a baby comes much sooner than it does in most countries. No one wants to return to absolute chaos after they have the baby. Cut down on the stress of going back to work by being prepared. The length of your maternity leave can determine the amount of stress you return to. If you are willing and able it is a good idea to work as long as possible. Of course, everyone is not willing and able. For those that need a longer leave, they should put some plans in place to make the transition back to work smoother. How long you are on maternity leave varies. However, if you plan on returning after you have the baby, you do not want to return to a totally chaotic situation. That means that you want to have the needs of your career in tact before you take your maternity leave. Nothing should interfere with your new addition to the family. While you are bonding and spending time with your newborn you do not want the stress of the office hanging over your head. Lay the ground work so that you do not have to worry about the office while you are away. If you are the boss, you have a lot more stress to manage. It is important that you leave a responsible and capable person in charge of things in your absence. Start training that person to deal with the aspects of your job that they will have to handle as soon as you know you are pregnant. Nothing is more annoying than getting “How do I…” phone calls when you are on maternity leave. If your job is massive, split the responsibilities between two employees. You do not want to split up the tasks among too many people because this can lead to confusion. Two should be the maximum. Be sure to leave things in order. If you are not the most organized person, get that way when you find out you are pregnant. While you are on maternity leave anyone should be able to walk into your office and find what they are looking for in a very short amount of time. If things are messy there is more of a chance for things to go wrong. If you are one of those women that needs to have an extended maternity leave because of pregnancy complications, don’t fret. Enjoy your time offer and relax but also, if you can, try to stay on top of what is happening in your career field. Take an online class and brush up on skills. If you are not sure you want to return to your 9-5, research a new career. The Internet has made working from home a very real and popular option. Search for a job that will allow you to stay at home but also bring in some income. Some jobs, such as Computer Programming, can fetch a pretty penny. Do some research and find out what will suit you best. Work part time until you are ready to have the baby. While some women are eager to take their maternity leave, others are not so excited about it. If that is the case, talk to your employer about working part time until you are due. Some women work until they go into labor. There is no need to do that if you are uncomfortable but if you are having an uneventful pregnancy and love your job, why not?

Tackling those Second and Third Interviews to Land that Job If you make it to a second or third interview, you are a serious candidate for the job. The key now is to narrow down the candidates. This moment is when you will determine if you get called with a job offer or receive a notice of rejection in the mail. Arm yourself with the proper tools and make an even bigger splash on the second and third interviews than you did at the first one. The first thing to remember when you are going into a second or third interview is what you said in the first interview. The interviewer will have notes from the first interview so you need to be ready to follow up on things you said initially. This is why it is important to be honest and realistic in the first interview. If you work hard to impress the interviewer and end up lying, you may not be able to recall they lies you told in the first interview. Eliminate this from being the case by telling the truth the first time around. Be armed with questions about the position and the company in generally. Search through information online about the company and get a feel for day-to-day operations. Type in the name of the company in Wikipedia and see what comes up. Many corporations are listed in this massive Internet encyclopedia and information about the company can be found there. Find out as much as you can about the company you are interviewing with. If you are interviewing with the same person the second or third time around, ask about their experience with the company. Questions like, “What is a typical day for you on the job?” or “How long have you been employed with the company?” can help to build a relationship with the interviewer. It also signals that you are comfortable with the interviewer. Not to mention, who does not like to talk about themselves? This is a great way to keep the interview moving on a positive note. Have plenty of questions about the position. Show that you have researched the job and are very confident that you are going to get it. The more inquiries you have about the position the more serious and interested you will seem. By the second or third interview, you will probably meet a number of different people. Shake hands firmly and look them in the eye when talking to them. If you are given a tour of the facilities, ask questions. Do not just let your tour guide point out areas without you taking an interest in them. Although it may seem like second and third interviews should be easier, do not let your guard down. Stay on your toes and be even more prepared than you were for the first interview. As the interview process moves on you will probably be meeting with the person that will be your direct boss or the director. Interviews with these figures may be much more difficult than the first interview which was probably with a human resource person. Be aware of this fact and have answers for those tough questions like, “What makes you the right candidate for this job?” Also be prepared for hypothetic situations that may take some spur of the moment problem solving. No matter what number interview you are on, there are some standard rules to follow. Take copies of your resume to your second and third interviews. Even though the interviewer may have a copy of your resume, you want to be armed with extras just in case there are other people in the department that would like copies. If you meet with different managers they may all ask for copies of your resume. Yes, they have copies, but they want to see if you are prepared.