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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.

Cruise for Free Stuff Anonymously with a Free Privacy Service The World Wide Web is full of freebie offers, but many of these require you to give websites personal information and data. If you don't want your personal information floating around the World Wide Web (and who does want this?), there are some precautions you can take. Do you want to cruise for free stuff without having to worry about giving up your privacy? Here are a few privacy services that can help you cruise the web for freebies without having to worry about giving up any of your personal information. Why Should You Protect Your Privacy? Why should you even bother to use privacy services to cruise the web? There are many reasons why you would want to keep your personal data from being leaked into the World Wide Web. Every time that you are asked to provide personal information, you are at risk for infecting your computer with some kind of virus or spyware. In fact, it is estimated that the majority of all computer systems are infected by spyware. There are many programs that can actually track your keystrokes. This allows hackers and other cyber criminals to gain access to your passwords, bank account numbers and other private information. This puts you at high risk of computer identity theft. You can avoid having to enter personal information by using privacy programs to surf the web. Surf Easy with Anonymizer.com This is a program that allows you to surf the web anonymously. What does this program do? This program protects you by keeping your IP address secure. This means that online tracking software will be unable to track the sites you visit and keep a profile on your online activities. This program allows your connection to be redirected through their own secure servers, thus keeping your online identity hidden and protected. This program uses 128-bit Secure Sockets Layer technology. The program also provides protections against pharming, phishing and spyware websites that seek to invade your computer. Keep Your Privacy with Enonymous What is Enonymous.com, and what can it do to protect your privacy? Enonymous.com offers web surfers the ability to cruise confidently with its own host of free privacy software. This privacy software was created as a way to protect web surfers and consumers right to privacy. The program offers users with privacy policy statements and ratings. The software also helps users choose what kind of personal information they want to divulge before making web purchases. If you are concerned about giving away your name, phone number, email and other personal data, not to mention credit card and bank account numbers, then you will appreciate this software program. For Fast, Free and Totally Private Email, Turn to Hushmail Are you looking for fast, free and private email? If so, Hushmail.com is what you are looking for. This email uses industry standard algorithms that are optimized for the highest level of privacy, authenticity and security. This is one of the best of the free email services if you are concerned about protecting your privacy. All you need to do is to create your own passphrase. The program creates a transparent decryption and encryption system. It is also very user-friendly that allows for easy encryption and decryption of data, and for fast retrieval of a public/private key. ZoneAlarm for the Best in Firewall Protection If you are looking for the best in firewall protection, consider using ZoneAlarm for protecting your PC from invading viruses and spyware. This award-winning program helps shield your computer from incoming attackers, and helps banish already-present invaders. Surf the World Wide Web with confidence with the help of ZoneAlarm.

You Can Find Free Deals and Discounts at Slick Deals Where can you go when you want to find the best deals on the net? Where can you turn to when you need quality advice before making a major purchase? How can you make sure that you never pay too much for something again? This is where slickdeals.net comes in. Slick Deals is a great website for finding what you are looking for, and making sure that you never pay too much again. Tips and Hints for Searching on Slick Deals Slick Deals is home to an advanced search engine that allows you to compare the prices of different items, both small and big ticket, and compare prices. This website allows you to make sure that you can always find the lowest price and never overpay again. Here are some hints and tips for searching for the best deals on Slick Deals. First, if at all possible, make sure that you have the SKU number on the item you are searching for on hand. Using the SKU number allows you to search for the right item at all times. The SKU number will vary in length and number-letter combination, depending on the kind of object or item you are shopping for. Avoid using parentheses when you are searching for something. Avoid using negation modifiers that will potentially exclude items from your search. You should also avoid hyphens in your search. This will tend to filter out more potential search hits, rather than pull up more potential choices. For the Latest Deals on Slick Deals, Check the Front Page When you are looking for the latest deals on Slick Deals, you will want to make sure that you check the front page. The default front page is also home to the newest deals. By defaults, you will only see deal titles when you first log onto the Slick Deals website. All of the deals on this front page are color-coded. You will find that ongoing deals are displayed in a bold blue tone. Expired deals are displayed in a gray color. To find out more about these front-page deals, simply click on the title. Then the deal will expand and you will be able to read more about the deal. Once you have read all the information you want, simply click on the title once again to close the window. To find out more about deals of the whole day, click on the day bar. When you click on the day bar, all the deals of the day will expand so you can read the details. Simply click the day bar once more to close the deals. How to Share Deals with Friends The Slick Deals website makes it easy for you to share deals with other interested parties. If you would like to share a deal that you find on Slick Deals, simply choose one of the following three methods. You can share a great deal with a friend by selecting the 'Tell a Friend' button that is available for each deal. Clicking on this link allows you to send a friend an email, informing them about the deal on Slick Deals. Another easy way to contact a friend or potentially interested friend is to send them an instant message using AOL Instant Messenger. Simply select the 'AIM' button for this option. Another easy way to send a copy of the deal to a friend is to send them a permalink using another form of communications. You can also leave your own opinion or review of the deal by selecting the Comments link. Slick Deals relies on user-driven content to establish a vibrant and informative website geared directly for consumers.