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Explaining How Credit Scores are Used in the Hiring Process
You might be wondering why credit scores are used in hiring processes. While you may have never heard about it, it is actually a more common practice than you might think. Companies and institutions such as banks, universities, retail stores, financial institutions across the United States use credit scores to determine whether an applicant is good for the open position or not. Even though you might think that this is illegal, it is not.
In general, it is a legal undertaking for companies to look at your credit score. This is yet another reason why you should make sure that your credit scores are good and up to date. So why would they be using your credit information in a hiring process?
For some of these companies, employees will be exposed to a lot of money and have a financially responsible position. Your credit information can actually help them determine whether you are a financially responsible person or not. Companies think that if you cannot handle your own money, why you would be qualified to handle their money? On the one side, if you think about it, it is a very valid thought. On the other side, the credit history will not tell the company how you might have gotten all the debt. What if one of your family members is really badly sick or a similar situation? In this case, you have not been irresponsible with your money, but you saved a family members life. You might have been willing to take on all this debt and then work from there. Sometimes numbers are just not an accurate representation of your life.
Companies that do use your credit are not only determining whether you can handle money, in some instances they use it as an indicator for your character. It will tell them if you are responsible with your money and finances you are a responsible person. A person that will not be tempted by money or certain situations in a workplace is a person they can securely trust with their funds, their tasks or their great projects.
One thing is for sure, the company needs to let you know that they are going to check your credit history in their hiring process and they also need to let you know what they are checking for. The criteria they are looking is the criteria they have to tell you about before you give them the permission. Unless they tell you and have a signature of permission from you, they are not allowed to check and use your credit history. If they miss these above mentioned steps, you do have a case in you hands that you can bring to the court. In some instances, some of the people that were not told about the credit check and have been denied have had a good case in their hands.
But as with so many things in life in the United States it pays off to have a good credit history and such a check will not ruin your career moves. Check your credit history every year since once a year the big credit companies do have to give you a free credit report. In the case that you find any wrong or dubious items on your account go ahead and dispute them. Oftentimes companies might just have put a claim against your account that is not really caused by you. Why do companies do that? Money has caused many bad things in the world and a company that wants their money back is going to run after any lead they have. Therefore disputing your case and putting your credit score back to normal can be an essential part in your application and hiring process with some companies.
Sync your Technology with Free Organizers Found on the Net Are you looking to simplify your online presence? Do you want an easy way to keep social and business contacts organized accordingly? Do you wish you had an easy way to keep track of your different online passwords, your favorite websites and manage your life away for the computer? There are now many options for those seeking to sync their technology with their Internet life. Here are some fast and easy resources that allow you to sync your technology with your online presence. Many of these organizers make it possible for you to keep track of your web activity with your life away from the computer. Here is a quick run-down of just some of the free organizers and resources that are available on the net that can help make your life easier. Using Planner.Excite.com to Organize Your Technology There are so many organization tools these days?personal digital assistants, outlook email, smart phones, mp3 players and several others coming out every season. Many of us use several different disparate electronic planners to organize work, school, business and home. Work email, calendars and planners often overlap with personal business, school and home calendars. Wouldn't it be nice to have all of your meetings, dates, appointments and contact numbers organized in a single area? This is where Planner.Excite.com comes in. This service allows you to sync all the information on your palm pilot, pda, outlook and smart phone so that you don't have to enter the same information more than once. Moreover, it allows you to sync different schedules?work, home, business, family and school?into one master schedule that is easy to follow. Other organizational tools include email and pager reminders so that you never miss another event, date or appointment again. Organize Your Online Discussions with Delphi Do you like to hold web-based discussions or send messages for business or social purposes? If so, delphi.com is an advanced web-based messaging service that allows you easy access to threaded discussions. You can choose to keep your threaded discussions public, or protect them with a password. It's up to you. This is a great and secure way to organize your online conversations and discussions. For Easy Event Planning, Choose Evite.com Are you looking for an easy way to use the World Wide Web to organize your events? If so, turn to Evite.com, the place for electronic events and event planning. Evite.com is an easy and free service that allows you to organize all kinds of events, from baby and wedding showers to surprise birthday parties. This is an easy way to keep in touch with all your online friends and family. It is simple to use?simply create your own attractive electronic invitation and email it to everyone on your invite list. The site allows you to create and personalize your own electronic invitations using their templates. Palm.net Allows You to Sync Your Whole Life Ever wish your personal digital assistant allowed you to sync up your whole life? Palm.net allows you to do just this. This online organizer works with your handheld organizer in order to help you organize and schedule your whole life, including what's playing on television, your local movie theater, local sporting events and other activities. Organize Your Files with Visto.com What is Visto.com? This website is a calendar and task manager that allows you to organize all of your disparate files. This is a great way to organize files, especially if you work from different computers or simply need a new and easy way to store files. Choose from online file storage and organize and sync your work and home Visto files.
Start Sampling for Free with the Start Sampling Website If you are looking for the best in online sampling, there is one Web destination that you should know about. The websites is known simply as StartSampling.com, and it can do wonders for your cache of freebies. If you are an avid freebie hunter, this is a website that you will definitely want to keep at your freebies by placing it on your active bookmark list. You will find that this is a fun and active community that you can consult on a regular basis for the best in online freebie sampling. How Can You Become a Member of StartSampling? If you are a newbie to the world of online sampling and freebies, here is a brief primer on becoming a member of this active community. First, StartSampling is a free service?never sign up for a freebie service that asks for monetary compensation or that requires a yearly membership sign-up. All you need in order to become a member of the StartSampling community is the ability to willingly sample many fine products from some of the company's leading manufacturers. As a member of StartSampling, you will receive samples as well as participate in the site's own Frequent Tryer Miles program. The Frequent Tryer Milers program allows you to collect points. You collect these points from participating in a variety of sampling programs and taking advantage of special offers and promotions. As a reward for participating in these programs, you will receive pints and gifts for free. This is your reward for being an active member of the StartSampling community. How to Contact the StartSampling Company Directly If you find that you have questions and concerns about using StartSampling, you can contact the company directly by selecting the 'contact us' button that is located at the bottom of the StartSampling home page. However, you will probably find that most of your questions can be answered directly simply by perusing the FAQ section of the website carefully. The FAQ provides you with an extensive list of questions and answers that have been addressed and compiled by the company. What Exactly Does StartSampling Do? Many newcomers to the StartSampling community wonder if the company is a web research enterprise. In reality, StartSampling is a promotions and marketing company. They have recently managed to establish themselves as a leader in online sampling. They do this by connecting consumers directly with the right kinds of companies. As an active participant of the StartSampling community, you will have the opportunity to receive samples from companies that you did not previously recognize. Sampling also allows you to inform marketers about your specific desires and interests. This way, you will receive product and service offers that are tailored specifically to your interests. In effect, think of StartSampling as a way to make your voice heard as a consumer. Where Do the Product Samples Come From? With so many online samples coming your way, perhaps you are wondering where all the samples provided by this community come from. All the samples provided to you by StartSampling are furnished directly by the small and large companies that are working with StartSampling. These samples are provided to StartSampling because these companies believe in their products and want consumers to try them and express an honest opinion. Most companies are looking to receive consumer feedback from members of their targeted consumer group. Who is Behind the World of StartSampling? Many newcomers are curious about who is behind the scenes at StartSampling. StartSampling is a leading online company managed by small group of energetic individuals. It is a privately held organization that is growing at a rapid pace.
Web Hosting - The Internet and How It Works In one sense, detailing the statement in the title would require at least a book. In another sense, it can't be fully explained at all, since there's no central authority that designs or implements the highly distributed entity called The Internet. But the basics can certainly be outlined, simply and briefly. And it's in the interest of any novice web site owner to have some idea of how their tree fits into that gigantic forest, full of complex paths, that is called the Internet. The analogy to a forest is not far off. Every computer is a single plant, sometimes a little bush sometimes a mighty tree. A percentage, to be sure, are weeds we could do without. In networking terminology, the individual plants are called 'nodes' and each one has a domain name and IP address. Connecting those nodes are paths. The Internet, taken in total, is just the collection of all those plants and the pieces that allow for their interconnections - all the nodes and the paths between them. Servers and clients (desktop computers, laptops, PDAs, cell phones and more) make up the most visible parts of the Internet. They store information and programs that make the data accessible. But behind the scenes there are vitally important components - both hardware and software - that make the entire mesh possible and useful. Though there's no single central authority, database, or computer that creates the World Wide Web, it's nonetheless true that not all computers are equal. There is a hierarchy. That hierarchy starts with a tree with many branches: the domain system. Designators like .com, .net, .org, and so forth are familiar to everyone now. Those basic names are stored inside a relatively small number of specialized systems maintained by a few non-profit organizations. They form something called the TLD, the Top Level Domains. From there, company networks and others form what are called the Second Level Domains, such as Microsoft.com. That's further sub-divided into www.Microsoft.com which is, technically, a sub-domain but is sometimes mis-named 'a host' or a domain. A host is the name for one specific computer. That host name may or may not be, for example, 'www' and usually isn't. The domain is the name without the 'www' in front. Finally, at the bottom of the pyramid, are the individual hosts (usually servers) that provide actual information and the means to share it. Those hosts (along with other hardware and software that enable communication, such as routers) form a network. The set of all those networks taken together is the physical aspect of the Internet. There are less obvious aspects, too, that are essential. When you click on a URL (Uniform Resource Locator, such as http://www.microsoft.com) on a web page, your browser sends a request through the Internet to connect and get data. That request, and the data that is returned from the request, is divided up into packets (chunks of data wrapped in routing and control information). That's one of the reasons you will often see your web page getting painted on the screen one section at a time. When the packets take too long to get where they're supposed to go, that's a 'timeout'. Suppose you request a set of names that are stored in a database. Those names, let's suppose get stored in order. But the packets they get shoved into for delivery can arrive at your computer in any order. They're then reassembled and displayed. All those packets can be directed to the proper place because they're associated with a specified IP address, a numeric identifier that designates a host (a computer that 'hosts' data). But those numbers are hard to remember and work with, so names are layered on top, the so-called domain names we started out discussing. Imagine the postal system (the Internet). Each home (domain name) has an address (IP address). Those who live in them (programs) send and receive letters (packets). The letters contain news (database data, email messages, images) that's of interest to the residents. The Internet is very much the same.