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What does your credit history have to do with your future job prospects, anyway?

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When it comes to landing a great job, it’s more than what’s on your resume these days. In addition to your one to two page work history, employers are also looking at other things, including your cover letter, your LinkedIn profile, your social media, and your presence on Google.

The one thing you may not have realized is that employers are looking at your credit report too! If you have a low credit score, they may decide not to hire you.

Why? Well, an employer may think that if you can’t keep a positive credit history, how could you possibly run their business?

At first glance, this makes sense. Executives are often managing millions of dollars a year. They control big budgets, and are responsible for decisions that impact hundreds, if not thousands of people.

But, when you dig deeper, this issue is more complex than it sounds. There are many things that go into your credit score that you don’t have full control over, including:

  • Inaccurate information – Anyone who’s had their financial credit stolen knows what a pain it is to clean up the mess left behind afterward.
  • Healthcare bills – At times, healthcare bills you have already paid show up on your credit report as delinquent. Then, there are those times when you actually do have big medical bills, but at no fault of your own.
  • Home Foreclosures – Due to the crazy market we’ve had for a long time now, many homeowners have been forced to foreclose, or participate in a short sale. These actions can have a negative impact on your credit score.
  • Unemployment – In today’s job market, a layoff can happen any time and is often not a reflection of employee performance.
  • Divorce – Divorce can wreak havoc on a credit score.

What’s worse is that these negative events can stay on your credit history for up to seven years!

The good news for job seekers is that a new act, Equal Employment for All Act, is being introduced into the U.S. House of Representatives. Tennessee Rep. Steve Cohen and Massachusetts Sen. Elizabeth Warren are behind the project.

But, as long as employers are using your credit score to make decisions about your future, you should know what to do:

  1. Check for inaccuracies – Review your credit report once per year for errors – and report them. You can download one free copy of your credit report each year online.
  2. Keep your phone and online accounts secure – Don’t be careless and allow thieves into your personal accounts.
  3. Pay attention to where you shop online – Use reputable sites online. Stay away from putting your credit card into unknown sites.
  4. Pay your bills on time – One of the easiest ways to damage your credit yourself is to be careless about when you pay your bills. Make a point to pay them on time, or to set them up for automatic payment.
  5. Keep your balances on credit cards low – High credit card debt can negatively impact your score.
  6. Only apply for new credit when you need it – Don’t create a situation where you have a huge amount of unneeded credit available.

These tips will help you to both protect, and improve your existing credit score. And, having a dream credit score will get you that much closer to landing a dream job!
I hope these tips have helped you. Visit CopelandCoaching.com to find more tips to improve your job search. If I can be of assistance to you, don’t hesitate to reach out to me here.

Also, be sure to subscribe to my Copeland Coaching Podcast on Apple Podcasts and Stitcher where I discuss career advice every Tuesday! If you’ve already heard the podcast and enjoy it, please consider leaving a review in Apple Podcasts or Stitcher.

I hope these tips have helped you. Visit CopelandCoaching.com to find more tips to improve your job search. If I can be of assistance to you, don’t hesitate to reach out to me here.

Also, be sure to subscribe to my Copeland Coaching Podcast on Apple Podcasts and Stitcher where I discuss career advice every Tuesday! If you’ve already heard the podcast and enjoy it, please consider leaving a review in Apple Podcasts or Stitcher.

Happy hunting!

Angela Copeland
@CopelandCoach

Featured Job: Sr. Account Manager @ Walker & Associates

Walker & Associates is seeking a Sr. Account Manager in Memphis, TN.

This award-winning agency is looking for a talented and hard-working Sr. Account Manager with a minimum of 5 years of experience in a marketing, advertising or related sales account management position.

This person can:

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  • Manage projects and work progress
  • Create reports
  • Analyze, interpret and present sales results
  • Recommend ideas and final products to clients
  • Oversee overall client budget
  • Facilitate creative on behalf of client

To learn more, or to apply online, visit the Walker & Associates job posting here.

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Update daily posts for E! News on Facebook, Twitter, Instagram, Snapchat and any other platforms that may be used and execute strategies determined by the digital team. Have advanced knowledge of social media strategies and stay on top of the latest social media updates and trends in order to utilize them for the best results possible. Coordinate and grow all of E! News social media followings through user engagement, creativity, video and editorial content. Drive traffic to EOL through eye-catching posts and interaction with users.

To learn more, or to apply online, visit the E! Entertainment job posting here.

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To learn more, or to apply online, visit the NBC Universal job posting here.

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Cox Media Group is seeking a Public Affairs Director in Memphis, TN.

WHBQ Fox 13, a part of Cox Media Group has an incredible opportunity for a Public Affairs Director, which plays a critical role in the organization.
Duties and Responsibilities include but are not limited to:
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  • Key stakeholder in the development and implementation of the Fox 13 Family Focus program
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To learn more, or to apply online, visit the Cox Media Group job posting here.

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Double-Spacers, You’re Dating Yourself

My latest Memphis Daily News column is out, “Double-Spacers, You’re Dating Yourself.”

There’s something you may be doing every day that’s making you look old. And you probably have no idea what it is. It’s not your clothes, your hairstyle or the AOL email address you’re using (although those aren’t helping either).

What you’re doing is subtle, and worst of all, it’s what you were taught in school. How could someone teach you to do something incorrectly? Times have changed, possibly without you.

Before I get on a high horse, let me share – I learned this lesson the hard way. I want to keep you from learning it the hard way too. Because it’s possible nobody else will point it out to you. They’ll just talk about you when you’re not around or wonder to themselves about your intelligence.

This sounds like a big deal, doesn’t it?

To read the rest of my column, and to find out exactly what you’re doing that’s making you look so old, visit the Memphis Daily News website here.

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This position will assist with the day-to-day management and marketing of Saddle Creek located in Germantown, TN. The Assistant Manager / Marketing Director assists with all operating aspects of the center and is responsible for leading the marketing, tourism and communication efforts of Saddle Creek in an effort to achieve the center’s goals. These responsibilities include coordinating, overseeing and implementing all aspects of the center’s marketing and communications plan including marketing, advertising, public relations and special event planning.

To learn more, or to apply online, visit the Saddle Creek Shopping Center job posting here.

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As the Director for Vendor Management Fulfillment, you’ll work as a part of the Technical Application Support (TAS) organization supporting world-class information management solutions for Nike. You’ll provide experienced guidance and oversight to third party production support providers using established business models and processes. You’ll collaborate with business partners at the global and regional level, and the Nike FulFillment IT team and Solution Delivery team to ensure future support requirements are well known before deployment into production. You will ensure the future strategic roadmap leverages the knowledge of the production support team. You’ll work with business and IT partners to ensure that production support activities are aligned with the strategic plan. You’ll directly manage a team of Advanced Process Support resources and provide input on resource requirements to effectively deliver on all Service Level Agreements. You will monitor and provide status reporting on all service commitments by auditing vendor deliverables and quality as outlined in the vendor contract.

To learn more, or to apply online, visit the NIKE job posting here.

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The Marketing Assistant is responsible for executing the administrative tasks of the AS Consumer Marketing department and providing support to the Adult Swim Consumer Marketing team. This will include: Coordinating marketing department meetings and inter-departmental meetings; Maintaining all department records, including production calendars, contracts, approvals, competitive approval, ratings, artwork, etc.; Assisting with campaign and social media workflow;-Assisting with acquiring assets and organizing/maintaining department Server; Producing decks and presentation materials; Managing On-Air department administrative support as determined by VP of On-Air and producers; Managing department technology needs and requests, supplies, premiums, etc.; Supporting the VP of Marketing and VP of On-Air with administrative help, such as travel, expenses, etc.

To learn more, or to apply online, visit the Adult Swim job posting here.

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Featured Job: Project Manager @ Greater Memphis Chamber

The Greater Memphis Chamber is seeking a Project Manager in Memphis, TN.

The Greater Memphis Chamber is seeking an entry level Project Manager, Economic Development to assist in coordinating a high volume of relocation and expansion projects with local, national and international corporations. This position is responsible for coordinating with various agencies of local, state and federal government and the private sector to identify available incentives, available real estate, workforce development needs and provide any demographic information requested, and to assist with other areas of the department as needed.

To learn more, or to apply online, visit the Greater Memphis Chamber website here.

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