Smart Employers Are Proactive

Smart employers proactively address any workplace harassment or discrimination complaints before they result inAdministrative complaints or lawsuits. Sometimes it’s the most angry employee that files the lawsuit, not the employee who is the most likely to win in court.

Harassment and Discrimination Suits Require a Protected Group

An employee’s best chance of success in a discrimination or harassment case occurs when the discrimination or harassment is attributable to the employee’s status as a member of a protected group. A protected group could be fairly described as a group of people qualified for special protection by a law, policy, or similar authority. For example, U.S. federal law protects individuals from discrimination or harassment based on sex, race, age, disability, color, creed, national origin or religion. In many cases, state laws also give certain protected groups special protection against harassment and discrimination. The key here is the person must be part of a protected group. If the boss is discriminating against or harassing the employee because the employee is a Democrat, a Republican, a Kim Kardashian fan, a “FloMo,” a “Pactard,” or the only person in the office who thinks O.J. is innocent, then the harassment case isn’t going anywhere – even if you are represented by Lisa Bloom and Gloria Allred.

Applications for auto financing

Applications for auto financing made within a 14-day period will only count as one inquiry for credit scoring purposes.

Applications for Mortgages

Multiple applications for mortgage made within a 30-day period will only count as one inquiry for credit scoring purposes.

Know the difference between soft inquiries and hard inquiries

You should understand the difference between a soft inquiry and a hard inquiry.  If you don’t know, then check out these examples of the two types of inquiries:

Soft Inquiries

  • When you pull your own credit report
  • When a current credit runs your credit as part of an account review to see how well you are using your credit
  • When a potential creditor is looking at your report for solicitation purposes

Hard Inquiries

  • Applications for credit and credit based insurance
  • A review made by a creditor for a purpose permitted under the FCRA

Why does it matter? A soft inquiry does not impact your credit score. A hard inquiry may adversely impact your credit score.

Don’t Just Send A Dozen Roses

Be a little creative next time you want to give your guy or girl a dozen roses. Make sure that one of the roses is a different color from the rest. Then attach a note that says something along these lines: “You’re the one who stands out from the rest.”

Be sure to post a comment and let me know what response you received.