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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.
Web Hosting - Is a Dedicated Server Worth What You Pay? In reviewing web hosting plans, many web site owners are faced at some point with the decision of whether or not to pay for a dedicated server. A dedicated server is one which holds your site(s) exclusively. It's not shared with other sites. You then have the option to put one site or many on that piece of hardware. But the decision is never easy. There are multiple considerations to take into account, far beyond just the higher dollar outlay that inevitably accompanies a dedicated server option. Performance is (or should be) a prime consideration for the majority of site owners. Studies show that when a page doesn't load within about 10 seconds or less, almost everyone will give up and go elsewhere. The delay may be caused at any of a hundred different points in the chain between the server and the user. But often, it's the server itself. In any case, it's important to eliminate the server as a possible bottleneck, since it's one of the few points over which the site owner can exercise some control. That need for control extends further than just performance, however. Other aspects of the user experience can benefit or suffer from server behavior. Security is a prime example. With the continuing prevalence of spam and viruses, a server can easily get infected. Having only your site(s) on a single server makes that issue much easier to deal with. With fewer sites on a server, there is less likelihood of getting infected in the first place. Also, since you will place a higher value on security than many others, it's easier to keep a dedicated server clean and your site well protected. You can use best practices in security to fortify your site. Having other sites on the server that you don't control raises the odds that your efforts are for nothing. One way your efforts can get watered down is through IP address sharing. Less sophisticated hosting services will often assign a single IP address to a single server and multipe sites. That means your site is sharing the same IP address with other domains. That leaves you vulnerable in several ways. Virus or spam attacks may target a particular IP address. If you have the same one as another site, one that is more likely to attract hostile intentions, you suffer for and with someone else. In other cases an IP address range is assigned to the server, with each site receiving its own address from within that range. Though better than the one IP:server scenario, this still presents a vulnerability. Many attacks try a range of IP addresses, not just a single one. But even legitimate sources can give you trouble when you share an IP address or a range. If another site engages in behavior that gets it banned, you can suffer the same fate if they ban the address or range. If the miscreant that shares your server/IP address or range is himself a spammer for example, and gets blacklisted, you can inadvertently be banned along with him. Using a dedicated server can overcome that problem. There's a certain comfort level in knowing what is installed on the server you use, and knowing that you alone put it there. But a dedicated server option may require increased administration on your part. If you're not prepared to deal with that, you may have to pay still more to have your dedicated server managed by someone else. All these factors have to be weighed carefully when considering a dedicated server plan.
Free Baby Stuff Requires a Visit to Babies Online Babies online is the page on the Internet when it comes to free stuff for the baby and new parent. The page offers any parent resources about the growing baby. Anything from personalized weekly calendars, over calculators to articles and information can be found on this web page. All the information offered on the page is freely available to anybody who signs up for their free membership. Under the top pages offered by babies online are pages that contain links to other free baby web sites, fun birthday facts, a weekly pregnancy calendar, due date calculator, baby’s first year, baby photo contest, baby names and meanings, baby freebies and a baby’s online blog. These pages are visited by the most users and are also most frequently used by members of the page. All these pages offer information around pregnancy and the infancy. Some of the pages offer advice on many of the questions that parents have in their first year of parent hood or before during pregnancy. The baby pages section of the website offers anybody to have an online birth announcement for the newborn, to read other peoples birth announcement and even to create or read other women’s pregnancy journals. Anyone can create his or her own and then sent links to all their friends to show off their little one over cyberspace. Not only does this save the writing and buying of all those birth announcement cards, it also saves the stamps and printed pictures that generally are included in birth announcements. The freebies page offers users links to free baby websites, links to free baby product samples, free pregnancy wristbands, free photo prints, free baby coupons and even freebie alerts. The free baby’s web site section lets parents create a web page that is completely centered on their new addition and give the new parents a chance to share their precious with all their friends and family. In the free baby product sample section a parent can find anything from free magazine subscriptions to those famous parenting magazines, to formula samples and children’s books. Due to the ten year anniversary of the page the web site offers pregnant mothers a free pregnancy bracelet. It is not only sleek and fancy, but is also there to alert any doctors or other personnel of the mother’s pregnancy status in any kind of situation, such as fainting, unconsciousness or an accident. A link to a related photo-processing place offers free photos for parents. Shipping as well as the prints is free to anyone that signs up to receive this offer. The online photo page offers any of the services a local photo store or photo lab might offer. Cards, picture prints, enlargements, photo gifts, calendars and more can be bought from this online site additionally to the free prints. On the online babies coupons and sample page users can find links to good deals, links to coupons and links to free samples. This part of the page is sure worth checking out. Some of the deals are for baby gear and baby food, while others also have links to places that offer deals on toddler’s and younger children’s clothing items. Even if it is just the beginning of pregnancy, checking out what is available online; especially on babies online can have great advantages. Some of the links offer new parents and parents to be many samples of different formulas, if this is going to be the choices to feed the baby, parents have a chance to try the different formulas and additionally get coupons for their favorite one. Not just the coupons, but also the free tools and journals on the web page make it worth to check it out. So go ahead and surf the web page to get up to date with newest baby information.