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How To Read A Credit Report

Once you have your credit report, it is important that you know how to read the report and understand the special coding included. Although credit reports don’t look alike, they contain many of the same items. When reviewing, check the details. Make sure your name is spelled correctly, and that your date of birth and social security number are correct. If these items are incorrect, this could cause some problems. Someone else’s credit history may be mistakenly included in your file!

Your creditors are listed on the report. The first thing to do is to find and circle each of the negative remarks or “dings” in your credit file. Information on these reports is usually coded like your bank statement. The law requires credit bureaus to explain anything on the report that you cannot understand. You will find a key to the coding symbols. Next, look for damaging remarks in the Historical Status section of your report.

Identify the negative marks on your credit report.

Most damaging remarks are “past dues.” A “past due” is noted whenever your payment wasn’t received within 30 days of being due. Your payment must actually be credited to your accounts before the due date, not merely mailed by that date-to avoid a late payment mark. Most “past due” notations are correct. However, there are times when entries are made accidentally, or the mail delivered your payment late, or there was a delay in processing your payment.

The comments section may, for instance, contain remarks such as “COLL ACCT”. “COLL ACCT” means “collections agency account.” When a creditor lists an account this way, the creditor has turned the account over to a collections agency as it was seriously past due. Other negative entries may include:


Foreclosure proceedings began on your account. However, all past due amounts have been paid and the account is now current.

  • CURR WAS 30-2.

Your account has twice been 30 days past due, but is now current.


You gave a creditor a deed to your property to prevent them from foreclosing.

  • DEL WAS 120.

At one point, your account was 120 days past due. You have made some payments, but the account is still 30, 60, or 90 days late.


You failed to repay a government loan, and the government filed a claim against you.


A foreclosure occurred on your property as you failed to pay the creditor.


An outstanding balance still exists and you are not paying according to the agreement.


The creditor charged-off the debt on their profit and loss statement as they felt it was uncollectible.

  • REPO.

Your property was repossessed because you failed to repay your loan.


To prevent repossession by a creditor, you voluntarily surrendered your property.

  • 30-DAY DEL.

Your payments are at least 30 days late on one or more accounts.

Negative remarks from public record data must also be examined closely for accuracy. These include:

  • Bankruptcy

It indicates you once were financially unable to pay your obligations when due.

  • Tax Lien

You owe taxes and an IRS or state tax lien was entered against your property.

  • Judgment

There is now a judgment on record against you due to losing a lawsuit either at trial or because you failed to defend.

  • Settled

A pending lawsuit was resolved before trial.

  • Child Support

You failed to pay court-ordered child support.

  • Withdrawn

A bankruptcy case was withdrawn.

  • Dismissed

Either the court ruled in your favor or the creditor failed to show up and your case was dismissed.

  • Discharged

Bankruptcy was filed and the court relieved you of your debts.

  • Paid and Satisfied

A court judgment or a collections account has been fully paid.

  • Suit

There is a legal action pending against you.

Any of these marks, of course, signifies a bad credit risk. Inquiries made by creditors from whom you applied for credit will also be listed in the report. Too many credit inquiries within a short span of time can be taken as an indication that you are having financial problems and seeking more credit to solve them. Creditors can refuse credit when there are too many inquiries. Each creditor determines how many inquiries are “too many”. To offset the problem, you can have a 100-word (or less) statement added to your credit report to explain in a positive way why you have so many credit inquiries.

Creditors also look for patterns of behavior regarding credit usage. For example, holding or applying for several credit cards may be detrimental to future credit applications, even if your existing credit cards have zero balances. In addition, your “debt ratio” (the percentage of your monthly income that is spent in debt payments), may be too high. As a homeowner, your debt ratio should not exceed 20-25 percent of your income, as a renter, your debt ratio should not exceed 8-15 percent of your income. Still confused? The right credit union can help you stay on top of your finances. Visit Riegelwood Credit Union to learn more.

Your credit report will also include an “Account Profile” column. This column contains a summary rating for each account. A summary may read “positive,” “negative” or “non-rated”:

  • “Positive means you pay on time.
  • “Negative” means serious credit problems, perhaps a defaulted debt.
  • “Nonrated” may signify a few late payments, which still gives you a weak credit report even when there is no strongly negative entry.

Each negative or non-rated entry has a code that reflects the nature of the problem. Your goal is to protest and eventually remove every negative or non-rated profile.

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Clean Your Credit Reports: How To Remove An Obsolete Notation On Your Credit Report

Before you can demand your legal rights, you must know your legal rights, which are contained in The Fair Credit Reporting Act (FCRA). The FCRA is primarily concerned with credit bureaus and credit reports. The intent of the FCRA is to protect you against credit abuses, and to provide you with legal tools to repair and improve your credit.

What can you do if your credit report contains negative information that is more than 7 years old, or bankruptcy or tax lien notation that is over 10 years old?

The Fair Credit Reporting Act (FCRA) grants you important rights as a credit consumer. These basic rights are your key to eliminating those obsolete negative marks in your credit report and to regaining good credit. You have the right to dispute any information in your report that you feel is false, obsolete, incomplete, or incorrectly entered. By disputing an entry, you are challenging the accuracy of what is reported on your credit statement and you neither admit nor deny your liability for the debt.

The law also clearly defines the length of time negative information can remain on your credit report. Older information is considered obsolete and must by law, be removed. For example, the law considers a bankruptcy or an unpaid IRS tax lien to be obsolete information on your credit report after 10 years. Most other information is considered obsolete after 7 years.

To have the obsolete information removed from your credit report, you may write to the credit bureau to request that they remove the out of date information. Write the sample letter by hand, or re-type it on plain paper. A handwritten letter is a better way to initiate the process. You want to avoid the appearance that the letter originated from a credit repair company or an attorney, as the credit bureau will either automatically return it or send it to the bureau’s legal department.

Be sure and sign the letter, date it and include your address, date of birth, and social security number. Make a copy of the letter before sending it. Send the letter certified mail, so that a return receipt is requested. You can then know when the bureau received it. Include a copy of your credit report so the bureau checks the right file.

There are over 1000 credit bureaus in the United States. However, most creditors will request your information from one (or all) of the three largest. If you have been denied credit, have a dispute, or just want to know what’s in your credit file, you would need to request a credit report from all three major credit bureaus. In addition, you would need to send a letter to all three major credit bureaus to feel certain that you have completely removed any obsolete information that may appear in any credit report a potential creditor may request. 

Still confused? Don’t worry, we’re here to help. Visit Riegelwood Credit Union to learn about how the right credit union can protect you and your money.

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How to Decide about Bad Credit Mortgage Refinance?

It is a common financial habit among most of the households. People are now acquiring multiple debts: one for a car loan, another for a department store; on one side they are handling a bank loan and on the other side they have got several credit cards with them. In the beginning all seemed to be manageable, but as the time passes, you realize that you cannot pay your monthly payments on time. Due to the reason that you have to fulfill any other financial need you miss out a payment or two, and as a result you have a bad credit record. And then if a few more payments are missed by you, you will start to feel the pressure of debt payments, so before that happens start thinking about refinance.

The thing to be considered now is that, in asset terms you are not poor. You have got a home of your own with plenty of equity; it is mortgaged. Now don’t you think that it would be great if you could get a new loan in order to consolidate your monthly payments of previous loans and get your finances back in order? Well, maybe, you think, but can you get bad credit mortgage refinance?

So what are the things that should be considered before seeking bad credit mortgage refinance?

Don’t ever think that any mortgage refinance package is something to be taken lightly, but rather than to take it lightly you should have a careful thought about the costs, consequences, and whether or not it is really necessary.

Things to Consider

Following are the things that you should consider before refinancing your debts through unlocking the equity in your home.

Do You Really Need It?

First of all, you have to make sure that you really need it or not? You should analyze your outstanding debts in detail. Make their list, total the amounts owed and total your monthly payments. The cheapest and simplest way to get out of this debt will be to manage your current finances without resorting to new and probably expensive, borrowing.

  1. Now find some other ways to clear those overdue amounts. Have a look at your current home budget, your expenditure, find out any unnecessary expenses that can be cut out or reduced. Doing this makes sure that the money that you have saved by reducing expenses goes towards reducing at least one of the outstanding debts where some amount is overdue. If there are several overdue debts that you have to pay, and you need a few months to clear them with your newly released funds, you should inform the concerned credit companies about the steps that you are taking to pay off the overdue amount. That will release a little bit of pressure, while you get things in order again.
  2. You should now seriously think about your financial situation and you yourself should find out ways to make some extra money. If you have a few weeks of overtime to payoff debts, then is it enough for you to clear the overdue debts and allow you to get your finances in order again? Is there any possibility that you can use one of your skills to earn some extra money part time? You should keep in your mind that, if you take no action at all, it will have an adverse effect on your financial situation. If there is a possibility of taking some action by which you can pay off your debts without resorting to bad credit refinance, then the chances are it is worth doing.
  3. Take a look around the house. Have you got anything that you do not use, but are worth selling to clear some of those overdue payments?  Have you got some old shares that you could sell, or an old savings account, with a healthy balance in that you’ve not used for years? If you have any such things then they can also help you to clear your overdue payments.

Alternatives to bad credit mortgage refinance

You should also consider the other alternatives to bad credit mortgage refinance, especially a debt consolidation loan. Search the internet or visit some consolidation loans providers to have few quotes for consolidation loans, compare the results with a bad credit mortgage refinance option. Don’t forget to make a note of the costs of each of the loan options, as this may affect your decision. Riegelwood Credit Union offers a variety of excellent loan options for you to explore.

Other Ways to Pay your Debt

Up till now you have gone through all the possibilities of paying off your debts without resorting to a new loan or refinancing. If you think that none of the above ways can help you, or they are insufficient for you to pay the overdue debts, then now it is the time to consider mortgage refinancing. Again, you need to search through the internet or by visiting different mortgage refinancing providers in order to get more than one quote. As you have a bad credit record, some lenders may try to charge more money from you than what is really justified. You have the right to get the best deal possible. You should take a very close look at the charges of the lender and broker, record them, and use them in your calculations so that you may decide the best suitable option to go with.

Debt Consolidation Vs.  Bad Credit Mortgage Refinance

What you have to do finally is to make a comparison between using bad credit mortgage refinance and using a debt consolidation loan. Really, you need to do this over the full term of the mortgage.

Mortgage refinance costs

Actually you are comparing between the mortgage refinance costs, interest rates and repayments based on the best quote you have with you and your current mortgage plus the costs of the consolidation loan. It is important to do this comparison, as the bad credit mortgage refinance loan may be at a higher interest rate than your existing mortgage. If you are not good with figures then, that is not a problem, ask a friend who can help you in this regard, or there is also a possibility of getting free counseling from someone who can help you to make the right choice.

Finally make a decision

Once you have all the figures noted down in front of you, the choice will probably be clear. Remember, however, that if you are choosing the option of keeping your existing mortgage and having a separate debt consolidation loan, once that consolidation loan is at the end of its term, say 5 years, you will no longer have any repayments. This is the reason that it is important to look at the whole mortgage period to make a comparison.


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How to Take the Stress Out of Moving

It is many people’s least favorite thing to do, but moving is inevitable for most. We know moving is stressful and emotionally draining, even under the best of circumstances. Moving is considered one of the top five most stressful situations. Moving is as hard for kids as it is for adults.

If you are interested in determining how expensive your move will be, you will have to do some estimating. After looking at the cost of wear and tear on your vehicle, the cost of renting a moving van, and the cost of gasoline you may find that moving yourself is more expensive than you thought.

Packing materials and moving boxes can be a substantial part of your moving costs. In addition to doing all the work yourself, you will also need to figure in broken items and unexpected trips. Perhaps your budget allows the movers to move only the furniture. One thing to note is that you can deduct the costs of packing and moving from here to there including truck rentals, moving companies, boxes and so on at tax time. It is best to get a referral to a mover from a friend or family that already has used the professional moving company, like US Border Movers.

Choose companies that have been around for at least ten years. While you are still getting estimates from various companies, be absolutely sure that each company visits your home and gives you a written estimate on moving your belongings after making a physical inspection. Never accept an estimate over the phone and do not consider using a company that offers you this service.

You should have decided on your final choice of cross border moving company at least one to two months in advance if you’re moving outside of the US for example. Let the mover know how much packing you will be doing. Of course the more flexible you are, the less the cost will be. Once you’ve selected a mover, be sure to confirm the move dates and details. Standard moving company insurance may pay only a percentage of the cash value of broken items. Before selecting a mover, know and understand your rights.

Ask the mover how they can be contacted before the move, during the move, and after the move. Auto transport carriers, or simply auto transporters, are companies that provide the trucks, facilities, and services for the actual transporting of vehicles. Some companies only transport certain vehicle types and refuse to handle very expensive cars or large trucks or trailers.

If you use this service remember to make sure that the car is emptied of all personal effects before it is loaded onto the car carrier.


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Team building events

Many organisations at the moment are feeling the negative effects of an economy in recession within their workforce; there may be a sense of worry, or panic, if the company is struggling to make money, or depression if there have been countless waves of redundancies, benefit and training reductions, or other necessary cost cutting exercises that have had an effect on the morale within the company.


So the organisation has done all it can to weather the financial storm; and what it needs now is an injection of enthusiasm, drive and above all positivity, otherwise the business is not going to continue to survive in the face of the recession, and more negative activities will become inevitable. So what are companies doing to boost morale, encourage the kind of team spirit that drove the company before the credit crunch struck, and increase their chances of survival through improving the behaviours of their staff?


One option is a company event; such as a day out or even an overnight event. This might sound like a strange idea given the need for most companies to cut costs at the moment; but it needn’t be an expensive activity to plan. There are loads of free and low cost activities to do across the country, and there may be untapped creativity within the company that can be channelled into a really positive event.


In a previous role of mine, one of the major activities for me each year was to plan and implement a two day team building event for all staff, and the budget was always very tight. Staff would always request activities such as rock climbing or canoeing, but the budget just didn’t stretch to that, and I also felt that these were not the sort of activities that would encourage team and employee interaction.


Activities in the trips ranged from working in teams to create a live advertisement for one of the company’s services (for some reason most teams went down the superhero route – you wouldn’t think there would be so many men willing to wear knickers over tights and a makeshift cape!), to complex puzzles in which the only way to solve the mystery was for each team member to take a section each and then really work together and listen to each other to get to the answer.


The accommodation was really cheap and we even had a function band for evening entertainment that was made up of a group of employees.


Other cheap activities could include orienteering if you have a lot of employees that like the outdoors (there are lots of ready-made courses in national parks or country parks) or something more creative if you have more arty types; such as re-creating a famous piece of art with a varied range of materials. The old saying of ‘thinking outside the box’ was never more appropriate than for this kind of activity.


There’s so much scope for a morale-boosting event for staff, maybe with the presence of a motivational speaker, like Richard Jadick for example; and even if it doesn’t cost a lot it shows the organisation that whilst times are tough, and finances are tight, the need for a strong team of people that work well together and are enthusiastic about what they do is still really important within the business.


Interviews with great human resources companies, like Solvo Global, might help understand how the employment market is at the moment.


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How To Prepare For Public Speaking

The thought of public speaking is likely to make anyone anxious. But the level of your anxiety could be lessened if you are prepared with the speech. Public speaking entails not only your speech but also your public presence. You may have questions about how you would stand on a podium in front of an audience, what you would say to them, what kind of body language you would use, etc. But with a good preparation and practice you would be able to deliver a good, effective speech.

You have to know the following information in order to prepare yourself: Your topic, duration of speech, type of your audience and your presentation plans. Based on this information start gathering the relevant information from sources such as books, Internet or incidents from your personal life. You may be able to convey about three or four ideas in your speech. These vital ideas would be your key points. You could prepare an outline of the speech you are going to make and use some incidents and quotations and graphics as supporting materials.

Once you have your materials in order you have to practice the speech. You could rehearse in front of a mirror. By watching yourself in the mirror, you could observe your body language – your facial expressions and postures. Video taping yourself and checking it would help you improve in the problem areas.

Some key points while making the speeches are:

Opening of the speech – A good beginning would gain the full attention of your audience. Your speech should benefit them or else they would not be interested in listening to you.

Posture – Do not show your audience that you are nervous. Your posture would give you away if you do not find your center of balance. Do not fidget or sway and move about. These are the signs of nervousness. Stand with your feet firmly planted about your shoulder width apart. Keep your chin up and stand straight. Let your hands rest by your sides and maintain your calm. Give a steady speech and maintain eye contact with the audience at all times. Smile more often.

Your voice – maintain a steady pace and talk slower to be clear when you speak.

Relax – If you know your topic well, you could relax. Before the speech, take a few deep breaths and do some stretching to divert your mind and release your anxiety. Smiling helps to hide your anxiety. Maintain a relaxed feeling throughout your speech. Once you start well and see your audience settled in their seats, you should be able to relax.

Concluding your speech – You could conclude your speech by summarizing the key points. This would help your audience to remember your speech. You could ask for audience participation by allowing them to ask you questions. If you have a passion for your subject, know your topic, possess organized, supportive material and have a sense of humor, then you could breeze through your speech with ease and you would sound like a natural at public speaking, just like Richard Hadick and other professional speakers!


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Moving Your Computer

Before moving your personal computer, there are certain procedures to follow which will protect your system from mechanical failure or damage due to normal physical shock which occurs during transport. If the following steps are taken prior to moving your computer, your system will arrive safely at your destination.

  1. The computer and associated components (e.g. monitor, printer, scanner, etc.) must be properly prepared to be packed by the customer or a qualified moving services provider. The preparation includes servicing the hard and disk drives, disconnecting all cables and power cords, and removing all toner and ink cartridges.
  2. The customer must back up all software and data files on diskettes, which should then be transported by the customer.
  3. Note and pre-existing damage on a Packing Exceptions Form. Be sure to record the make and model numbers of all components on the inventory.
  4. If possible, use the computer’s original carton and packing materials. Cover all components with plastic bags before re-packaging.
  5. If the original carton and materials are unavailable, use an appropriately sized carton. Place crumpled unprinted newsprint in the bottom as a cushion and place the “bagged” computer on top of the layer. Surround the sides and top with additional cushioning material and if there is room, place other “bagged” components in the same carton.
  6. Add crumpled unprinted newsprint on top of the items, close the flaps, and tape securely.
  7. Using a permanent marker, write the customer’s name, reference number, room, and contents on the carton.


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Financial Consulting Tricks and Techniques

If you are really very confident about earning lots of money with consulting individuals through your high-end ‬expertise and services,‬then here are certain things you should need to do before stepping towards financial consulting.


Being knowledgeable is highly essential and is not at all negotiable.‭ ‬To consult others and give them advice to solve their financial problems and make profitable‭ ‬decisions in future,‭ ‬you must be regarded as an expert in your field and so you must have an adequate knowledge about the current market circumstances,‭ ‬changes in the value of commodities,‭ ‬stocks and shares in the market,‭ ‬ability to predict how market will go in future etc.‭ ‬You must offer the consulting services to the individuals as per your educational background and‭ ‬field of‭ ‬interest.‭ ‬For example,‭ ‬if you posses a degree in Accounting,‭ ‬it would be better for you to offer financial consulting services.‭ ‬Always avoid sinking your teeth in those areas where you are novice as,‭ ‬you client will always expect best advice from you.


You must have the experience of working in the field relevant to your‭ ‬financial‭ ‬consulting offers.‭


Your prospective customers will definitely check your portfolio before being engaged in a business with you.‭ ‬These people seems interested in doing business with one who possess a brilliant track record in the field of investment and have deep knowledge related to financial point of view.‭ ‬You must also have the experience of the relevant subject that will surely prove your expertise.‭ ‬For example,‭ ‬individuals who are searching a suitable financial consulting firm or a proficient financial consultant for the proper and adequate management of their massive financial resources‭; ‬they will not hire you if you‭ ‬if this is your first‭ ‬time to handle and manage cases like this.‭ ‬If you are handling and‭ ‬managing‭ ‬your first project and facing the hard time as well,‭ ‬it would be better to take advantage of the apprentice programs and on-the-job trainings to get the first-hand experience in the relevant manner.‭


You should always know and understand about your clients.‭ ‬The needs and demands of every client may be specific and different and you cannot take measures‭ ‬for them‭ ‬equally.‭ ‬Your consulting services should seem like a tailor fit for meeting their financial problems,‭ ‬to advice for their better financial prospects in future and to ensure that they are going in the right path with their finances.‭ ‬This will only give them the actual worth of the money they are investing and this will only let you get appreciated by the client for‭ ‬the efforts you have. Also, you can always learn a lot with experienced professionals that are in the field for a longer time, like Erlybird.


However,‭ ‬if‭ ‬you‭ ‬are‭ ‬interested in increasing the fee you charge for your financial consulting services along with decreasing the time you spend with consulting your clients,‭ ‬the application of the best tips and tricks in this field will bring the definite success to you.‭ ‬Hence,‬try adopting the things stated above. 

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How to Cope With an Inexperienced Interviewer

Interviewing is an unavoidable part of job hunting. Some on-site interviews are relaxed and pleasant; some are strained and uncomfortable. To a great extent, how smoothly an interview proceeds depends on the interviewer. He or she sets the tone and directs the course of conversation, hopefully in a productive manner. The more experienced interviewer is adept at making it an enjoyable exchange of mutually enlightening information. By contrast, the less experienced interviewer is apt to make some miscues that might spoil the overall effectiveness of the meeting. Suppose you find yourself confronting an inexperienced interview. What’s the best way to handle the situation without appearing to be uncooperative or high-minded? The answer depends on the particulars of the circumstance, as well as the personality and style of the interviewer. Problem situations for most professionals who are job hunting, the likelihood of an interview going askew is remote. But, anything is within the realm of possibility. Interviews that turn out unfavorably generally fit into several categories. 

  1. The interviewer asks inappropriate questions. Experienced interviewers are well versed in what to ask and avoid asking. Less experienced interviewers may “innocently” pose questions that are insensitive, unprofessional or otherwise inappropriate such as:
  • “Are all of your children grown, or do you still have some at home?”
  • “Is English your native language?”
  • “Are you married? If so, how would your spouse feel about relocating?”
  • “Where were you born?”
  • “What is your religious affiliation?”
  • “Do you feel comfortable working around others with a different sexual orientation?”
  1. The interviewer strays from the subject. Busy professionals who take the time to interview want to make the most of it. It’s annoying to speak with an interviewer who constantly goes off on a tangent. Usually when this happens, at the end of the interview, the candidate doesn’t know much more about the job than she did beforehand. 
  2. The interviewer appears to be biased. Perceived bias is a very subjective feeling. Obviously, an interviewer is not going to violate state and federal equal employment opportunity laws by saying something outright that’s clearly discriminatory. The more common scenario is that the interviewer inadvertently mentions something that might be construed as indicative of some sort of subtle bias. Or, the interviewer communicates nonverbally something that makes the candidate uncomfortable.
  3. The interviewer doesn’t sell the opportunity. Productive interviews promote mutual exchange of valuable information. Seasoned interviewers have a knack for focusing on the issues that are most germane in determining how good a match there is between candidate and employer. Assuming there’s a good match, the interviewer faces the task of selling the candidate on the opportunity. Generally speaking, the most highly sought after candidates have numerous employment options. They don’t jump at any offer that comes their way. For this reason, experienced recruiters recognize exceptionally qualified candidates and know how to add the appropriate “sizzle to the steak” in selling the opportunity. Novice recruiters sometimes lack this skill, which can result in prime candidates losing interest in the opportunity under consideration.

Practical Solutions

Have you faced any interview situations similar to the scenarios mentioned above? If so, did you handle the matter satisfactorily? In case you encounter such problematic situations again, consider some responses that might be appropriate for the occasion. Redirect the conversation. Whenever an interviewer asks questions that appear to be inappropriate, you are not obligated to answer them. Without antagonizing the individual, you can rightfully mention something to this effect:

  • “I’m not sure what relevance that question has to the job we are discussing or my qualifications for it.”
  • “I prefer that we not bring personal matters into a professional discussion concerning career opportunities.”
  • “Is that something that you ask everyone interviewing for this job?”

That may be enough to clue the individual to the fact that his questions are off limits and not appreciated. Perhaps, he will think a little more carefully before asking anything else so insensitive. It also is appropriate to redirect the conversation when the interviewer strays from the topic at hand. Innocently enough, the interviewer may be a “chatterbox” who likes to hear herself talk. That’s fine and good in some social situations, but the context of a job interview is business. Again, perhaps a subtle remark will serve the purpose of steering the conversation back on track, such as:

  • “We were discussing my accomplishments in my current position. I’d like to elaborate on them a bit more.”
  • “You touched on your company’s growth plans. Can you say more about that?”
  • “You noticed that my resume mentions that I was selected to be Employee of the Month. I’d like to explain how I earned that designation.”

Hopefully, the interviewer will get your drift and steer the conversation into territory that’s more fruitful. Request speaking with someone else. Suppose you really want the job, but something about the conversation makes you uncomfortable. It could be off-the-wall comments that have a hint of bias. Bear in mind that your perception might not be totally accurate. Furthermore, any slight bias that the interviewer might have (which is probably unconscious) is not necessarily representative of the views of the company’s management and might be far from the company’s standard operating procedures. Therefore, it’s best to give the employer the benefit of the doubt and test the reality of the situation that makes you uncomfortable. Similarly, you may simply be turned off to the interviewer’s obvious inexperience but want to pursue the opportunity. If possible, request the chance to speak with someone else who can alleviate your concerns and further convince you that it’s a good company to work for. Suggestions are:

  • “From what I’ve heard, I’d certainly like to pursue this opportunity. Who else might I speak with while I’m here?”
  • “Is it possible for me to meet the department head and some of the other employees during this visit?”
  • “You’ve explained the job very well, but I have some questions for the person who would be my direct supervisor. Is he or she available?”

With this approach, hopefully you can deflect further conversation that’s uncomfortable or less than reassuring. In speaking with other company representatives, it’s quite possible that matters of mutual interest will be established to a greater degree. Even if the interviewer is inexperienced, the result may be a job offer that’s too good to turn down. So think positively and act accordingly.

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Leadership Transitions

People learn most from experience. That is why it is so important to move people around the organization to broaden their knowledge of the business, face new challenges, and learn how to deliver on stretch assignments. Nevertheless, most organizations do a very poor job of preparing these managers (or the teams they will be joining) for the new assignments. We clarify the new performance objectives, but we forget to clarify the learning objectives for the new assignment. Leadership transition management (LTM) ensures that leaders get the support they need to bond with their new teams, hit the ground running, master new skills, achieve stretch objectives, and prepare for yet higher levels of service. LTM is so successful and such a high leverage OD/LD opportunity because of the high stakes and high risks of leadership transitions.




  1. New Leader Assimilation (Orientation): This practice is recommended every time a leader gets a new team or a team gets a new leader. New leader assimilation, done properly, speeds up team bonding, reduces the time to full team productivity, and helps the leader and team hit the ground running. Deliverables include: accelerating the learning and bonding cycles; increasing productivity; improving communication, teamwork, and morale; reducing employee uncertainty and stress; and reducing errors and turnover (both employee and management).


  1. Leadership Transition Coaching: This practice helps newly appointed leaders transition quickly and successfully into new positions. LT coaches help leaders with the key challenges of leadership transition, including, clarifying the new leadership agenda; identifying clear measures of success; identifying and engaging key stakeholders of the new position; identifying and dealing with skill gaps; creating a transition action plan with first steps, quick wins and milestones; etc. For this, doing an event with the employees and hiring a motivational speaker to pass the message might be useful. I recommend you check Richard Jadick.


  1. Leadership Pipeline: This practice begins with the insight that each “level” of leadership requires leaders to learn new skills and approaches, and give up some of the activities that made them successful in their previous positions—which is not always easy. Organizations that do not map out what is required at each level of leadership and give their leaders appropriate training and support in these transitions, find that leaders do not master their new positions, they hold back the people reporting to them, and the “leadership pipeline” gets clogged. Managing the leadership pipeline is crucial to building internal talent and bench strength, and keeping the leadership pipeline full and flowing at all levels of the organization.



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