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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 - When Changing Web Hosts Nearly everyone will want to change to a new web host at some point. It may involve just changing out old hardware for new. It usually means finding an entirely new web hosting company. When faced with that decision there are a number of issues to be considered. Swapping hardware and/or software is a fairly straightforward decision. There are two possible scenarios. Either you maintain your own hardware and software at a facility managed by others, or you are considering upgrading to newer (usually more expensive) systems maintained by others. In either case, it's simply a matter of estimating the cost and the short-term impact versus the long-term benefits. If the system(s) you currently use are short on capacity, sooner or later you'll be sufficiently motivated to make the change. Either the hardware will become unreliable or loaded to the point you'll be forced to migrate, or your needs will expand enough to justify the effort and expense of moving. Similar considerations apply to the scenario in which you rely on the web hosting company for everything, and want to find someone else to rely on. Regrettably, that's a very common situation. Many web hosting companies provide systems and staff that sooner or later fall below an acceptable level. Most people make the decision to change based on emotion. That's not entirely bad. Emotions incent you to take action. But you need to keep a cool head, too, in order to calculate your long-range self-interest. Bearing some minor inconveniences from time to time is usually worth the trade off. When it begins to affect your site to the point you're losing visitors, it's time to make a change. To get a more objective handle on when that point is reached, reach for some numbers. Maintain, or get from the hosting company, a factual report about availability and current usage. If the server is down so much, or so heavily loaded, that it drives your visitors away, it's time to take action. There are other less easily quantifiable but equally important factors, as well. You will at some point need to communicate with one or more persons who help maintain your site. Even if you do all your own server, database and web site maintenance, someone behind the scenes is helping to keep things running smoothly. That's called 'infrastructure'. If the road you drive on has potholes, it's not enough that you can fix your own car. In terms of network bandwidth and availability, server capacity, disk space, security and a whole array of other aspects, the web hosting company has to have competent people who care (and are allowed) to do the job well. When the company's people fall down - because of incompetence, lack of resources or absence of a culture of excellence - or for any other reason - your web site suffers. This issue more than any other is what drives people to seek another web hosting company. Even if you choose well at the outset, things can change. Management changes, staff changes and companies are taken over by other companies. Sometimes, it isn't simply a matter of swapping out an unreliable piece of hardware or software. When it's time to swap out people, you look for the same aspect: doing the job required.

Can Facebook or MySpace Help You Land a Job? The Internet is quickly becoming the vehicle of choice for people looking for a job and for employers looking for people to hire. There are many job sites on the Internet dedicated to matching up employees and employers, and most people turn to the Internet today when they are hunting for a job instead of turning to the classified ads in the local paper. Job hunting websites may all be well and good when you are looking for a job, but what about social networking sites. Everyone knows how popular sites like Facebook and MySpace are online, but can they help you get a job? If you are in the job market, can these sites be your foot in the door, or a one way ticket to the unemployment line? The answer is that there is no easy answer. To know if you can find a job using Facebook or MySpace, you have to know how employers feel about these sites, and employers have mixed feeling about them. Some companies are actively using social networking sites to track down employees that meet their company’s employee profile and have had great success finding workers via social networking sites. Other companies wouldn’t touch these sites as a hiring tool with a ten-foot poll – in fact, many companies don’t even want you to access these websites from their company computers. The real answer to this question has more to do with exactly what kind of job you are looking for. Are you looking for an executive position at a company? Then stay off of the social networking sites, at least for job hunting (and maybe all together). No company is going to look for its top brass on a social networking site, and you will be wasting your time. However, if you are looking for entry level or hourly wage work, the social networking sites like MySpace and Facebook may be the answer for you. Many hourly wage employers in particular, like fast food restaurant chains and mall stores, use MySpace and Facebook to look for potential employees in their area. If a potential employer sees your profile and thinks you may be a good fit for their company, they will send you an email or an instant message and get the ball rolling. You should also, however, carefully consider the downsides of using social networking sites as a job tool – and you should carefully consider how and if you use these sites at all if you are in the market for a new job. Most people wouldn’t want their parents to see their social networking site profile, let alone potential employers. If you have rude and off color material, political or religious material, and inappropriate photos of yourself on your profile, a potential employer will be turned off, and you might lose your chance at that job. Most people give up way too much of their privacy when they use these kinds of sites, and your social networking site profile may offer a window into a side of you an employer might not be overly impressed with. Further, you can open yourself up to danger by using these sites to job hunt. If someone approached you in the street and offered you a job, would you accept? Then why would you accept a face value an approach by someone on social networking site? If you do get approached for an interview, never meet anyone in a private place, and do your homework to make sure the facts check out before you go for the interview. One last reality check – there are over 60 million users on MySpace alone. How will an employer find you in the crowd? MySpace and Facebook may help you in your job hunt, but don’t count on them as your sole avenue into the job market.