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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.
Find Free Stuff Online by Visiting the FreeStuffOnline Website Whatever it is somebody is searching for, he might be able to find it on the FreeStuffOnline website. The FreeStuffOnline website is a page that offers links to other pages that have products that are free off charge available to anybody. Pages like this one collect links and web addresses that offer free products and then publish it as a great resource to the broader public. The links offered by FreeStuffOnline leads to a variety of different topics and offers and there might be just what someone one is looking for. The web page offers categories such as educational freebies, which includes Study notes, Encyclopedias, books and more. Family freebies have categories for babies, children and parents. For the computer world there are free products such as free antivirus software, freeware programs, games and graphics, shareware, music and screensavers. For the cell phone fanatic, there are links to free cell phone ring tones and short message programs. A seasonal freebie category holds anything that relates to the major holidays in the United States, such as Christmas, Halloween, Easter and more. The category ?internet? offers links to free web hosting pages, e-mail providers and much more. The way such pages work is by the various masters that take care of adding and removing links. As a matter of fact, anyone can add freebie links to the page. This is one of their most important tools to keep such a freebie page working. Anyone who finds a good freebie that is not a fraudulent page should go to the FreeStuffOnline web page and add the link. Other people will benefit from the link just as much as the person that added it. To keep such sites possible the effort of anyone that is looking for freebies is necessary. There are many organizations out there that specialize in providing help for the ones that do not have a wealthy family to pay for all of it. Organizations that specialize in literature offer PDF files of books of world famous authors such as Shakespeare, books that anybody should have the chance to read. Other pages specialize in children?s songs. Downloadable MP3s, legal downloads of these songs are available to make music an integral part of young children?s lives. Even for the new craze of sharing pictures, files and other important date there are links that guide the user to pages that will offer such services for free. Sharing pictures with loved ones should be easy and free and available to anybody. Whether it is the grandparent that lives hundred of miles away or a father that serves in the army, these pages offer the opportunity to anyone to share important data such as pictures over the distance. Using an online file sharing web page also has the advantage of speed over regular mail. Until the pictures are sent to their destination by mail, it can take days, but on the Internet the process takes a few seconds and the person at the other PC can see the data almost instantly. When these files are shared there is always the possibility to have the pictures printed at one of the photo stores and the person will still be able to hold printed pictures in their hands. One other important fact to know about these free online pages like FreeStuffOnline is that whenever you come onto a link that is not working, let them know, only by people telling the web master that the link is not working it can be removed. Helping to maintain the page by alarming for broken links can reduce the frustration to other that was trying to check out the link.
Great Free Gift Idea ? How to Get Official Presidential Greetings for a Loved One Are you ready for the most official gift idea ever proposed? Do you know someone who enjoys collecting authentic autographs and memorabilia? Or perhaps you know someone who has a good sense of humor and enjoys a gag gift on those special occasions? If this is the case, you may be interested in a great free gift idea?procuring an official presidential greeting for a loved one. Here is the run-down on how you can get a hold of this awesome gift idea. Believe it or not, getting an official presidential greeting is easier than you might think. Did You Know that the White House Offers Free Greetings? It is true?the White house offers free greetings for those very special occasions. These free greetings are official and recognized by the White House and the Office of the President. However, you should know that there are numerous restrictions to procuring these free presidential greetings. Unfortunately, the White House is not currently able to fulfill all the requests for official presidential greetings at this time. However, if you are truly interested in landing a free and very official presidential greeting for a loved one, it is worth giving it a try. As the old saying goes, nothing ventured, nothing gained. How to Make Your Request for an Official Presidential Greeting How can you go about making an official request for an official presidential greeting? There are several ways you can request a presidential greeting directly from the White House. There are several ways to make your official request. There are three basic routes for requesting an official presidential greeting from the White House. You can make your official request for a presidential greeting through fax, by postal mail, or by filling out an online email form. Although no one method appears to be considerable more effective than any other, some successful recipients of an official presidential greeting swear that you are more likely to receive a response if you put in your official request through postal mail or fax. However, this may just be a hunch, because it seems that it may seem harder to ignore a written request rather than a virtual email request. As with anything important, you will want to make your request for an official presidential greeting way ahead of time. For instance, if you want to request an official presidential wedding greeting, you will want to make your request well ahead of time. What Kind of Official Presidential Greetings is You Allowed to Request? Although there is no set guideline about what kind of greetings you can request, there are many standard issue presidential greetings. These include birthday greetings, 50th wedding anniversary and higher, births, Bar Mitzvahs, Bat Mitzvahs, weddings, scouting awards and others. Official Guidelines for Requesting Your Greetings For the official guidelines on how to request official presidential greetings from the White House, check out the official White House website. There you will find the official guidelines on how to request greetings from the White House, as well as how to extend an official invitation to the White House. In general, here are some things to keep in mind. The White House will only send out official greetings to U.S. citizens. You must provide the following information: name of the honoree, address of the honoree, form of address, date of birth, birthday, wedding or anniversary, and the requestor's name and daytime phone number. Be aware that the numbers of requests you can make are limited on a per day basis. Requests for multiple institutional requests must be make by fax or mail on official letterhead. When can you expect your official presidential greeting? In general, greetings will be mailed in approximately 14 days prior to the event that is being recognized by the greeting.
Craigslist a Great Place to Find Free Stuff ? While Exercising Caution of Course Craig Newmark of San Francisco founded Craigslist in 1999. Craigslist is a web page that offers anybody to sell or by articles virtually free of charge. Some of the categories such as job ads in some of the major cities have a charge, which is the funding for all the other private, free ads on Craigslist. Currently the web page is available in approximately 450 cities all over the world. IT serves more than nine billion viewers per months and therefore gives the web page a ninth place in the rankings for most frequently used web sites in the United States. The web sites offer over thirty million new postings and classifieds each month. Categories for classifieds and advertisement range from job and housing postings over traditional buy and sell classifieds all the way to community events and personal ads. Since Craigslist offers so many different ads and classifieds each month, it is also a great place to find free stuff. Many people that are about to move or have top give up a hobby due to whatever reason often times offer things for free on this web page. Generally ads and classifieds are divided by categories and then listed on the pages depending on the proximity to a major city. Many major cities in the United States have their own Craigslist. Classifieds that are posted on a city site generally are from somewhere in the proximity of the city. Often time?s sellers expect the buyer to pick up the merchandise. Therefore, it is not unusual to find car ads, fitness equipment, baby clothing and items, furniture and more on the web site. Posting is for most classifieds free and there are also no fees for anything else. In contrast to some other pages, posting a used children?s toy, a piece of furniture or similar as well as anything else is completely free. The seller has the possibility to stay anonymous till shortly before the sale, when the seller decides to hand out his or her telephone number or address for sale purposes only. Of course such classifieds and advertisements can also be cons and need to always be handled carefully. Generally a good judgment of the price and offer helps to prevent from falling for fraudulent classifieds. Even though there are measures from the creators of the website to prevent fraud such as official statements and more, there is no guaranty that a fraudulent add will be taken off in time to prevent any trouble. So whenever buying or selling on Craigslist do it with caution. Craigslist offers classifieds for anything. Community, housing, personals, jobs, for sale, services, gigs and even discussion forums are all part of the web site. On this website anybody can post anything. Therefore it might take some time to find the right ad. It might even be possible that the chosen product cannot be found. Craigslist works like an online yard sale or a flea market. Therefore finding the exact product may be hard. But sometimes getting lucky is all that it takes and then the seeker is united with the product of desire. This web page should be used and supported by anybody and everybody. Whatever there is for sale, it should be put up on Craigslist, so that other people can male good use of a product that might be a good product for someone else for a few more years. Even jobs can be found on Craigslist. In cities such as New York, this web page?s jobs are one of the most important sources for job hunters and therefore are not free of charge for the employers that are posting in some of the bigger cities.