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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.
Send Free Cyber Greetings to Friends and Family with These Popular Sites Are you looking for a fast, fun and easy way to stay in touch with family? If so, consider sending free cyber greetings to your best friends and family members by taking advantage of the services offered by many fine e-greeting card services. Here are some reasons why you should consider sending ecards, and where you can find the very best in electronic greetings. Why Should You Consider Electronic Greeting Cards? The traditionalists among us will complain the World Wide Web is quickly eating away at the last traces of decorum and good manners. They will suggest that there is no replacement for the thoughtful and handwritten stationary note. While it is true that there is no equivalent to the handwritten note, it does not mean that you should exclude electronic greeting cards from your social life. Electronic greeting cards can actually be quite helpful in establishing friendships, keeping in touch and sending out a last-minute greeting. In truth, electronic greeting cards may be the saving grace of the modern electronic age. Sending an electronic greeting card is just casual enough to keep you touch, and just formal enough to send a meaningful greeting to someone that you really care about. When it comes to keeping in touch with the people you love, you may want to send out a paper greeting card. However, for those occasions where the important occasion has slipped your mind, an electronic greeting card is an easy way to tell someone that you have not forgotten about him or her. More Reasons Why You Should Send Electronic Greeting Cards Besides being a very quick and easy way to stay in touch, electronic greeting cards are also a great way to help the environment. As more of us move towards an environmentally sustainable future, you may want to send your environmentally conscious friend or family member an electronic greeting card. This is a fun and simple way to save paper and resources. Digital Greeting Cards are Fun and Easy Free virtual postcards are an easy way to keep in touch with friends and family. How do these virtual postcard services work? Usually, you simply select the card that you want from an assortment of electronic designs. Many websites even allow you to select various features of your card. You can often choose your own image, music, background music and other special design features. Then, all you have to do is simply type in your own personalized greeting. Then simply type in your recipient's email address, and wait to hear back from them. Your recipient will either receive an email message with an in-text card greeting, or a link to view their virtual postcard. Where Can You Find the Web's Best Electronic Greeting Cards Services? Fortunately, email has allowed us to become closer to own another, and electronic greeting cards are an easy and fun way to stay in touch. There are many fine websites that allow you to send and receive electronic greeting cards for free. Here is just a brief sampling of the web's best free virtual greeting card services. These include FreeWebCards.com, AllFreeGreetingCards.com, Greetings Island, E-Greetingz.com, Virtual Gravy Greetings, Electronic-Greetings.com, AAAPostCards.com, Radio Cards, E-Cards-Greetings.com, and CyberKisses. What to Look for in a Virtual Greeting Card Service First, although many greeting card services offer paid services, there are still plenty of free greeting card services to choose from. If personalization is important to you, choose a greeting card service that offers a large selection of cards and that allows you to choose from a selection of fonts, colors, music and other template and personalization choices.
Copyright lawyer Everything You Need to Know about a Copyright Lawyer Everything you may need to know about a copyright lawyer before you get one, there are so many different types of lawyers a little run down never hurt anyone. Copyright lawyers deal with many different subjects such as internet law, intellectual property, patent and trademark and of course your copyright laws. Each lawyer has gone to school for some time in order to get a degree to help you, which means they know more about the law than you do. Some mistakes website owners make is when they buy articles online; many times a buyer just assumes they have full copyright. This isn?t always the case, depending what was agreed on will determine who has ownership. In order to make sure you don?t fall into this trap have a lawyer set up a contract before you hand over any money, this way you know for sure if you have full ownership or if the writer does. There are actually three different categories that you may purchase an article, usage, full and unique. A copyright lawyer will explain exactly what each one means. Usage is basically meaning the buyer gets to use the article one time, but the writer can use it again or resell it. Full rights will give the buyer all rights; they can even place their name on the article saying they wrote it. A copyright lawyer will never tell you that you don?t have to register your copyright; in fact they will encourage you to do it. Sure, they get money to do it for you but you will have documented proof that you own the copyright. If you don?t file it, you can?t sue if someone uses your information. A copyright lawyer is not cheap, that means if you are just looking to pay out a mere $300 you are looking in the wrong field. Sure there are sites that offer to do your bidding for you. Are you sure they are someone you trust? Stick with your gut feeling, pay the money and have someone there to walk you through everything you need. Most copyright lawyers will have special discounts on packages, which means you?ll be getting a lot more than what you originally walked in for. Chances are your lawyer will even advise you of things you didn?t even have knowledge about. A copyright lawyer can help you better understand the laws of the virtual world, as well as the real world. Every day someone new is getting sued over content on the internet, it can be as simple as someone stealing an article, quote, song or a picture. A big issue is using another company?s name in your tags to get the search engines to rank you higher, you will get caught and when you do the fines are pretty steep. Other issues may be with bloggers today, be careful with what you say about your places of business, not only could you get in trouble for any copyrighting issues but slander is another big issue. Another thing you may want to know about a copyright lawyer is that you can use one even if you are actually getting sued. Many people only look for one when they want to copyright something or sue someone, but they normally don?t think about hiring a copyright lawyer when they are being sued. This is definitely the person you want on the job defending you if the time comes, after all they do know their job. That?s everything you need to know about a copyright lawyer before you get one, if you have any other questions call them up and ask them. Lawyers love to give advice, especially if they think you?ll be hiring them.