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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.
Movie Copyright Law College Students Are Being Targeted For Breaking Movie Copyright Law Many people have taken up the hobby of downloading movies and songs on the Internet and sharing them with their friends and family online. However, this is direct violation of the movie copyright law. Not surprisingly, the biggest violators of the movie copyright law are students. It is not surprising that the movie industry sector is sending out copyright infringements claims to college universities around the country. One reason that college students may be the hardest hit when it comes to violations brought against them for infringing on movie copyright law is that they are not aware of how serious a crime it truly it. Many college students who have suits brought against them are shocked, to say the least. They question why they were not warned about the perils of downloading movies and songs online and passing them along to friends. However, with the rise of claims that are being handed down, no one can claim ignorance for much longer. Word is being spread near and far that if you are engaging in illegal downloading and/or sharing then you can be brought to court. College students are learning the hard way that it is against the law and in violation of the movie copyright law to share or download copyrighted material. Many colleges and universities are now stating in their handbooks that it is against the law and the university rules to illegally download movies, music and other forms of media online using a school computer. In addition to illegal downloading and sharing software, the files take up space on the computer systems and use a considerable amount of bandwidth. While most universities and colleges will not look at the content an individual has -- they can isolate and identify the individuals who are hogging up the bandwidth by using illegal file sharing software. The movie and music industries have stepped in and are demanding restitution for illegally downloaded movies, music and other forms of copyrighted media. They have detection agencies that have the technology to identify and trace copyright infringements straight to their source. Once the computer is located they can notify the university or the college that they are in violation. The university will be told that they have a copyright infringement claim against them. Based on the Digital Millennium Copyright Act once the computer is isolated Internet access is terminated to that computer and court proceedings can begin. Does this sound far fetched? Well, it is not. You should know that in April of 2003 four students were sued by Recording Industry Association of America. These students attended Princeton, Michigan Technical University and Rensselear Polytechnic Institute. One student alone had an estimated liability of $150 billion. When you consider that you can be charged $750 per song that is illegally downloaded, the total can add up fast! The good thing is the lawsuits against the college students were settled for amounts less than $20,000. That is not pocket change for college students ? or anyone for that matter! Movies and music are meant to be enjoyed. However, illegally downloading movies and music is not much different than walking into a video store and sticking DVDs and CDs in your pocket. Be careful. You do not want to be caught violating the movie copyright law.
Web Hosting - Is a Dedicated Server Worth What You Pay? In reviewing web hosting plans, many web site owners are faced at some point with the decision of whether or not to pay for a dedicated server. A dedicated server is one which holds your site(s) exclusively. It's not shared with other sites. You then have the option to put one site or many on that piece of hardware. But the decision is never easy. There are multiple considerations to take into account, far beyond just the higher dollar outlay that inevitably accompanies a dedicated server option. Performance is (or should be) a prime consideration for the majority of site owners. Studies show that when a page doesn't load within about 10 seconds or less, almost everyone will give up and go elsewhere. The delay may be caused at any of a hundred different points in the chain between the server and the user. But often, it's the server itself. In any case, it's important to eliminate the server as a possible bottleneck, since it's one of the few points over which the site owner can exercise some control. That need for control extends further than just performance, however. Other aspects of the user experience can benefit or suffer from server behavior. Security is a prime example. With the continuing prevalence of spam and viruses, a server can easily get infected. Having only your site(s) on a single server makes that issue much easier to deal with. With fewer sites on a server, there is less likelihood of getting infected in the first place. Also, since you will place a higher value on security than many others, it's easier to keep a dedicated server clean and your site well protected. You can use best practices in security to fortify your site. Having other sites on the server that you don't control raises the odds that your efforts are for nothing. One way your efforts can get watered down is through IP address sharing. Less sophisticated hosting services will often assign a single IP address to a single server and multipe sites. That means your site is sharing the same IP address with other domains. That leaves you vulnerable in several ways. Virus or spam attacks may target a particular IP address. If you have the same one as another site, one that is more likely to attract hostile intentions, you suffer for and with someone else. In other cases an IP address range is assigned to the server, with each site receiving its own address from within that range. Though better than the one IP:server scenario, this still presents a vulnerability. Many attacks try a range of IP addresses, not just a single one. But even legitimate sources can give you trouble when you share an IP address or a range. If another site engages in behavior that gets it banned, you can suffer the same fate if they ban the address or range. If the miscreant that shares your server/IP address or range is himself a spammer for example, and gets blacklisted, you can inadvertently be banned along with him. Using a dedicated server can overcome that problem. There's a certain comfort level in knowing what is installed on the server you use, and knowing that you alone put it there. But a dedicated server option may require increased administration on your part. If you're not prepared to deal with that, you may have to pay still more to have your dedicated server managed by someone else. All these factors have to be weighed carefully when considering a dedicated server plan.
Check Volition.com for the Best Free Stuff Connections on the Web The web page itself states that it is ?the oldest free stuff site on the Internet?. In its design, it is very similar to very many of the free stuff pages on the web. Links and listings are used to guide free stuff and freebie seekers to their desired products. The site depends largely on visitors mailing in new links with freebies or suggesting new promotions. Similar to many other pages on the internet that offer free stuff, there is now guarantee and any offer that is accepted needs to be checked by the customer for validity. Internet fraud is a very real problem and especially in classified sections, internet fraud can trap many inexperienced and even experienced internet users. Volition offers one section, where users can sign up for movie prescreening tickets. These tickets are available for a list of participating cities for the newest movies on the market. Not any minor movies, the big Hollywood ones can be prescreened for free when signing up regularly for the ticket contest. The web page itself tries not to offer links and freebies that are commonly available on the Internet and tries this way to stand out form other free stuff online pages. The web page?s web master keeps the links up to date, but should a user experience any problems or find links that are not working any more it is important to let the web master of the page know. Only this way the page can stay up to date and as a good resource for anybody who is looking for free stuff. Another great section on volition is the section where users can find links to places that pay their visitors and signed up member?s money to participate in certain things. Users can get paid for participating in surveys, for e-mailing, for shopping, for Internet surfing and much more. Even if one is not really in need of money, these links are worth to be checked out, even just for fun. One great way to earn money is by shopping. Mystery shoppers are paid by big companies to do what most Americans like best, buy, buy and buy more products. To be able to check out this earning possibility the web page offers links and supportive advice from people that are just doing that. Classifieds are also part of the web page. This section offers products for sale. Anything from cars, to personal and regular buy/sell ads can be found in this section. Well worth checking out when somebody is looking to pay less on an item. For a whole different crowd, the web page also offers links for web design. Someone that is interested in having his or her own page can get started by visiting one of these useful links displayed on volition. These links offer anything from web design tutorials to free code and free gadgets for web pages. The links also direct users to places that offer free web space, where one can post the newly created homepage. Some people are more interested in advice form others or to interchange topics with others. For these people, volition offers a great variety of different forums with all kinds of topics. One big part gives advice and answers questions that are related to mystery shopping, other forums talk about games, entertainment and travel. Additionally the page offers links to interesting and fun pages. Pages that sell art supplies, pages that offer fun online games such as hangman and pages that offer other games and topics of interest. Whatever it is on might be seeking, it might be found on this free stuff online web site available to anyone.