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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.
Prayers, Ploys and Passions: The Poetry that Gets Published (published poetry) Some people may tell you that poetry doesn’t get published. Published poetry is only that written by people who have already died. That is not true however. Poetry is not as frequently found as other kinds of writing, but it is a genre that is still alive and well in today’s publishing world. If you are a poetry writer, you are also probably a poetry reader. You of all people know that poetry publishers are still out there. There are specific types of poetry that tend to get published though. There are special interest outlets for other types, but in general, what gets published gets repeatedly published as time goes on. There are three main categories that currently published poetry falls into. Those categories encompass the most important interests of people today. Prayers and Matters of Faith The first category of published poetry involves faith. There are people that subscribe to all different kinds of faith and it is that belief that is at the core of many people’s lives. Atheists are a minority in the world. Since faith is such an important part of so many people’s understandings of the world, it is no surprise that it draws poetic words from those who believe. It started long ago. The Bible, for example, is full of poetry. Those people who first knew God were inclined to speak of him through the illustrative voice of poetry. Today people are the same way. Such is their deep experience with God that they must express their emotions with an emotional type of writing. Since so many people have personal experiences with God, those who do not write are interested in reading the writings of others. For that reason, matters of faith, and especially expressive prayers placed in poetry get published. Ploys and Plans for the Nation National interest is also of major interest to most people. As a group of people head through their lives, united with others of the same nationality, they must want to know where the group as a whole is headed. Much of the published poetry in this category contains hopes and dreams for a country’s future and expected path through history. More of the poetry in this category though is in protest of how a nation has forged its path as it has grown. Frustration with events beyond one’s control elicits words that can only have their full meaning in poetry. Since those of a nation are united with each other, poetic commentaries about that nation are of interest to everyone. They help each person express their feelings and frustrations and hopes for their home country. Passion and the Human Condition of Love People are obviously not only connected to each other as citizens of the same country. People need each other in a much more personal sense than that. A third major category of published poetry is that which contains expressions of love between people. Love poems are a genre that dates back, again, to biblical times. Romantic love has always been a popular theme within poetry because of the passion that can be displayed with poetic devices. Other kinds of love are also well expressed in verse. The love of a mother for her child or that of a friend for another friend is a common topic in poetry. Humans thrive on love. That is why poetry about love gets published. Published poetry does fall into three major categories. It appears in books and anthologies, but also in magazines and even greeting cards. As long as a poem is effective in describing a common human reaction to life, it will probably be passed along from person to person. Poetry is a beloved form of writing that connects people to one another. As long as humanity feels, poetry will continue to be published. Check Download.com for the Best Free Security Software Around With viruses, spyware, adware and hackers threatening on every corner of the internet, it is essential that especially internet users protect their PCs as best as they can to not loose their files or even their whole PC. Buying security software at a local computer store can be very expensive, but protecting the PC does not necessarily have to cost private persons anything at all. Just by checking what for example download.com has available, computer users might be able to save as much as 50-100 Dollars and still be able to protect their PCs adequately. One part of the web page called antivirus, firewall and spyware offers different links to downloads from companies that help protect PCs from any harm. Most of the programs offered on the web page are free for download. Some of the programs are antivirus software, which generally will scan the PC according to your settings for example once a day. When the software finds a virus in any of the files on the PC it will put out a virus alarm in form of a message box. The PC users then have to decide in which way the PC should be cleaned. Some antivirus software will offer to delete the file, others save it in what is called a virus vault, where the virus cannot attack other files on the PC, while others clean the file if it is cleanable. Other programs offered on the page are firewalls. Firewalls protect the Pc from any attacks form the internet, such as hackers hacking into your PC, Trojan horses, viruses and more entering the PC is not possible, when a firewall is used and set to the proper security setting. Using a firewall is a good idea for any PC, but it is important to know that the way the firewall works it might also cause a few problems with software on the Pc that enters the Internet. Therefore firewalls need to be configured right to have a smooth running and protected PC. Many of the firewalls offered on this page are free for download, but generally most PCs have a built in firewall in their operating system that just needs to be activated or configured. The third major kind of protection software one can download form this website is spy or ad-aware detection. Spy and ad-aware are programs that are malicious for the PC user. These kind of malicious little programs are installed without the users proper knowledge and intercept or partially take control of the interactions of the PC with the internet without the users consent. Spywares do not just monitor the internet interactions, as the name suggests, it also collects personal information, can install additional software that will take over the control of the browser activity, accessing websites that will allow for example viruses to enter the PC. Spyware is also often called privacy-invasive software and something a PC as well as a user needs to be protected from. The download page does not only offer many of these programs for free, it will also offer patches and update files for these programs. Even though many of the companies offer the continuous automatic update to protect a PC from new viruses and other malware, some PC users prefer not to have an automatic update and download their own updates whenever they deem necessary. Whichever way one likes to update the PC, it is most important of all to know that PCs need to be protected and users do not need to spend tons of money in order to do so. Free programs available for download on download.com will give a PC similar protection and keep files and identity safe. |