(Job placement) Getting a Job with Bad Credit
No commentsBy Earma Brown
According to a recent survey by VISA, 80 of Americans did not know that bad credit can affect their chances of getting a job. What many people do not realize until they experience it firsthand is that employers have the right to refuse to hire job applicants because of their credit histories.
Employers who investigate your credit reports as a part of the employment process argue that your credit history is a good predictor of your judgment, character, work performance, and reliability as an employee. Some consumer advocates argue against this and feel the practice is an unfair method of discriminating against job applicants. Regardless of which side of the story you agree with, the fact remains that the information contained in your credit reports could have bearing on your being hired for a new job.
Tory Johnson of Good Morning America recently authored the article How Bad Credit Can Affect Job Prospects in which there are a number of good tips to keep in mind when applying for a new job. First among these is finding out if the employer will be requesting a copy of your credit reports. Prospective employers are required by law to get your permission before conducting a credit check so look through the fine print of any employment application. Is it usually in the fine print where you lend your consent upon signing the application.
If you have great credit, you probably won’t have anything to worry about. If, however, your credit reports show difficulties making payments on time or other credit problems, you may need to take steps to minimize their impact. Of course, if you dont know what is on your credit reports, make sure you order a copy of your reports before starting the job search. You can order your reports free of charge at www.annualcreditreport.com.
If your credit score is sub-par because of credit reporting errors or other questionable negative items in your credit reports, work to get these items corrected or removed. Even if you do not have time to address these listings before applying for a job, it is still in your best interest to dispute these items for the future. But for the time being, you will have to try to help a prospective employer see past your bad credit.
If you know an employer is going to perform a credit check, consider coming clean immediately instead of trying to perform damage control after they have seen your credit reports. Many people with bad credit have perfectly reasonable circumstances in their past such as unexpected unemployment, divorce, or medical issues that can significantly impact their credit rating. After explaining your situation confidently and truthfully, you may find that employers will be sympathetic to your troubles.
Since 1991, Lexington Law has been helping clients legally dispute the questionable negative information in their credit reports. To date, Lexington Law’s credit repair services have assisted with the removal of millions of these credit listings including over 600,000 in 2007 alone.
Accident
&
Illness Redundancy Protection in Times of Any Unexpected Event!
By Kirthy Shetty
Many people rely on the income payment protection as their only source of temporary income in case of an accident or illness.If you have met with an accident and have been hospitalized for a long time and you are unable to resume back to work, then, accident and illness redundancy protection will help you. How does this help? It helps you cover up your credit card payments, mortgage payment, loan payments and your other basic expenses for a period that you are unable to work.
You must be prepared for all kinds of unexpected redundancies. If you are driving your car and some one rams into it, causing any serious injury you might be hospitalized and unable to cover up any expenses or payments due to absence of any income. It suddenly changes your life and you will find it difficult to cover up even your basic needs. Such redundancy protection if taken before hand will protect your payments and thus safeguard your collateral too. You dont have to lose your home for non payment of mortgages. Payment protection insurance will take care of the rest.
With downsizing and lay offs rampant in the IT industry, such insurance is definitely indispensable. With a huge mortgage or loan amount pending it might be horrifying and the thought of losing your house will be more painful than the actual pain caused by your injury. Why take risk, be prepared for any such unexpected eventuality and protect your payments.
Accident or injury can leave you unable to work for a period of time and affect your normal life. Thus, such an insurance will help protect you if this situation happens to you. Failure to meet mortgage repayment can result in repossession of your house. This insurance saves you from such repossession. And can cover you for an average period of usually 12 months, sometimes 24 months. You can gain peace of mind during a time when you need it most, as you recover from your illness. Usually, loan protection, mortgage payment protection is regularly sold in combination with loans by banks and lenders.
It is advisable to take such redundancy protection insurance while you take your loan or mortgage itself. Your mortgage lender may offer you better insurance rates as you have applied for a mortgage with him. There may be discounts on your insurance policy. Moreover, the job market is uncertain and any one can face unexpected events such as accident or sickness. Hence, a suitable insurance cover is required to protect your redundancy situations in times of accident or illness.
Get more information on: Accident & Illness Redundancy Protection
For more information on: Income Protection Plans
Your Network For Waiter Or Waitressing Employment
Nursing Job Overseas - A Solution For Brighter Career
By ChezMoi
It is true that the situation in US is uncertain as the impact of global economic crisis. Many people who worked for big and strong industries all of a sudden might face things that they never thought before: losing their job!
If you are now working in the health industry, particularly as nurse assistance, nurse, or even registered nurse, you dont need to worry about the situation happened in our country. According to some news on leading newspapers that I read recently, nursing is considered as one of the most wanted jobs in 2010 onwards across the country. It means, you can also work as travel nurse and get higher pay rather than a regular nurse.
If you think the local marketplace is too competitive, why dont you try to seek for work opportunity overseas? Many countries express high demand for US nurses. Based on certain research done by a credible institution, the demand for nursing job overseas is now 1:527! One good US nurse is needed by over 500 workplaces worldwide. And of course, when demand is far higher than supply, the price will go up. A professional nurse who works overseas may receive not lower than $100,000/year salary. Isnt it very tempting?
To make yourself become more competitive and more credible, there are certain qualifications that you should meet. One of the major factors is the education level. The higher your education level in nursing, the higher the salary you might get.
Since you have to work everyday, for sure its kind of impossible to attend a normal nursing degree program at any university near you. Theres always a solution and this could even become your best option, take nursing online degree programs from reputable institutions. It normally takes 1 to 2 years to complete without you have to leave your daily job. And right after that, you will be ready to have a better life (with higher salary) in another part of the world. Bright future is awaiting!
Nursing career is a promising career. You may start building it by taking nursing online degree, then work as a travel nurse and eventually, get a nursing job overseas.
Saturday, August 29th, 2009 at 7:25 pm and is filed under employment. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
