BAD CREDIT is a term used to describe a poor credit rating. Common practices that can damage a credit rating include making late payments, skipping payments, exceeding credit card limits or declaring bankruptcy. Bad credit can result in being denied credit.
ESOP see Employee Stock Ownership Plan.
ON-THE-JOB TRAINING (OJT) is training that takes place at the work site, usually supervised by a manager or an experienced coworker.
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