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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.

Five Ways to Find Free Stuff Are you crazy about web freebies? Do you love free stuff? Who doesn't love free stuff? Most people appreciate the occasional free sample in the mail, but there is a specific group of individuals—freebie hunters—that are dedicated to finding the very best in freebie offers. Fortunately for them, and all of us, the World Wide Web is a treasure trove of freebies, special offers and promotions. Coupons and free samples are just some of what you can get by becoming a dedicated freebies hunter. If you are new to the world of active freebie hunting, here are five ways you can go about finding more free stuff. 1. Getting a Hold of Free Samples. Free samples are the bread and butter of the dedicated freebie hunter. Who doesn't like free samples? Free stuff is good stuff. However, be forewarned that once you get into the world of free samples, it can be easy to get carried away. You may find that your mailbox can fast become flooded with free samples. If not your physical mailbox, your inbox can also become flooded with free coupon offers. Always read the fine print carefully when you are soliciting a free sample directly from a manufacturer. You may inadvertently be signing up for newsletters, promotions and ads. To find the best and latest free samples, visit the StartSampling.com website. StartSampling is an innovative company that allows you to sample new products from exciting companies. If you have a favorite company, you can head to their website and sign up directly for new product samples and discount coupons. For instance, if you are a fan of Crest brand toothpaste or Oil of Olay products, you can sign up with them directly for free samples and coupons. 2. Looking for Free Communications Tools? If you are looking for the best in free telecommunications tools, you are in luck. For those of you tired of being overcharged for faulty 4-1-1 telephone calls, there is now a free directory that you can turn to. Free directory assistance is now available to you at 1-800-FREE-411. This free directory assistance allows you to get most numbers that you need at absolutely no charge. However, you will have to listen to a short advertisement before you are allowed to find your number. For even more free telecommunications tools, check out this handy phone tool. The next time you are stuck in an unpleasant situation and need to escape, plan on using the popularitydialer.com. Simply set the time you need and you will receive a fake call that can pull you out of a less than desirable situation. 3. Finding Free Memory. Need more ways to stay on top of things? Are post-it notes just not cutting it? If you need a little more, you will find that memotome.com can be a great help. Memotome.com is a free scheduling tool that allows you to stay on top of events and dates. It is free to become a member and you even get access to free party and event planning tools. 4. Get Your Fill of Free Literature. Are you an avid reader? If so, you will find that paperbackswap.com is a reader's paradise. All you have to do is choose the book you want to read and request it. You should receive the book in the mail in a few short days. You can also list your own paperback books that you would like to get rid of. 5. Your Free Route to Financial Planning. If you are looking to become a financial planner, check out the very free planning tools that are available online. You can take advantage of free calculators that allow you to figure out your income and savings.

Web Hosting - Email Issues When you build a web site, you often provide a means for users to communicate with you. One of the most common 'add-ons' to a web site is the addition of some kind of email access. Email is used to sign users up for newsletters, provide communication for administrative issues and a hundred other uses. But, as everyone sadly knows, email problems can occur. Virus infection is among the most common, though the situation is actually better today than in the past. Huge efforts, and some progress, has been made over the past 10 years to reduce the number and severity of virus attacks. Hackers haven't surrendered, far from it. But they're on the defensive like never before. Many of those viruses were (and are) spread through email, usually in the form of email attachments. That's the source of the now-common advice never to open an attachment from someone you don't know. Professionals will often extend that advice to suggest you never open an attachment that's unexpected, even if it's from someone you know. Well-meaning, but computer-challenged friends often accidentally forward virus infected emails. Spam has taken over the top spot for email annoyances. It's estimated by various different professional sources that 92-97% of all email sent today is spam. While the definition varies, spam is generally regarded as any unwanted commercial email sent by someone whom the recipient doesn't know or have a business relationship with. Spam clutters email inboxes, requires people to sift through to find valid messages, and often contains offensive messages in some form. But, it's a fact of life and isn't going away anytime soon. Even though laws are in place, thousands of spammers continue to risk fines or jail for the chance of making money from that small percentage who will open the unwanted email. Other forms of email problems are even more severe for many web site owners. When the mechanisms fail that they rely on to send and receive messages to and from their users, that's a problem. Dealing with those problems can range from sending an email or instant message to an administrator, to tracking down the right person to get your site removed from a blacklist. Email is the communications vehicle of choice for millions everyday. When the system burps, someone has to take time to do something about it. Often, that means relying on a person who is already overburdened with too many issues to resolve. So, besides pointing out some sad facts or complaining, what's the point? All of the above shows just one more area you should look at when selecting a web host or deciding whether to move to another. Just as with server or network administration, companies vary in their ability to deal with email-related issues. Some are responsive and super-competent. Others, are simply indifferent or worse. And many are in between. Email administration, like server maintenance or network management, is a professional specialty. Skill in one does not necessarily mean quality work in another. Finding a web hosting company and/or system that has few email problems, and solves them quickly when they occur, is an important task. Spend some time researching who provides superior support in email. You'll be happy you did.