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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.
The Many Faces of The Ghostwriting Professional (ghostwriting) Ghostwriting may seem distasteful to some writers, but it is the preferred profession for many writers. Some writers are more satisfied with the act of writing than have their name known by consumers. A ghostwriter is a writer who is paid to write books, articles, stories, and reports that are credited to another person. Ghostwriters have been used by many professionals, including celebrities, executives, and political leader. The writers are usually hired to draft or edit autobiographies, magazine articles, speeches, and other material. The ghostwriter is not always left out; they may sometimes be acknowledged by the author or publisher for assisting in creating the finished product. Ghostwriters have a very important role in the world, and there are many different types of ghostwriters, including nonfiction, fiction, political, medical, blog, and academic writers. Ghostwriters provide an important service to many of their clients. Some people hire ghostwriters to polish and edit a rough draft of their articles and books. If a ghostwriter is used to edit a book or article, most of the language in the finished product will be that of the credited author. Although, some books and articles could not be finished with the help provided by ghostwriting. Typically, ghostwriters are hired to write most of the work, using concepts and stories provided by the author who receives credit. A writer, who writes most or all of the work, will do extensive research on the client or their area of expertise. Ghostwriters always prepare a book or article with input from their client, and the credited authors may provide a basic framework of ideas at the outset, or may provide comments on the final draft of a project. Autobiographies are a common project offered to writers in the field of ghostwriting. When writing an autobiography, ghostwriters typically interview the client, their colleagues, their friends and family, and may also find interviews, articles and video footage relating to the client they are writing for. Ghostwriting may be needed for several reasons and may be needed by many types of people. In most cases, a ghostwriter is needed for a celebrity or public figure who does not have the time, discipline, or writing skills required to write and research an autobiography or other types of books. Publishers to increase the number of books that can be published each year by a well-known author may also recruit the writers. There are many types of ghostwriters, including the nonfiction ghostwriter. In ghostwriting, the nonfiction writer is used by celebrities and public figures that want autobiographies or memoirs published. Nonfiction ghostwriters may also be used to write “how-to” books, or used to write books for professionals in a certain field. Fiction ghostwriters are another type of ghostwriter, which are usually employed by fiction publishers. Political ghostwriters provide their ghostwriting services to public officials and politicians. These political figures employ ghostwriters to respond to the large volume of correspondence they receive. The writers typically draft response letters for the correspondence that is received. Medical ghostwriters are often hired by pharmaceutical companies to produce papers in medical and scientific journals on the outcomes of medications. Some physicians and scientists from academia may also be paid for the use of their name, which enhances credibility of the study. Many professionals have criticized the use of medical ghostwriting, but it is a common practice that seems to have no decrease in action. A web log or blog ghostwriter is one of the newest types of ghostwriters. Many blog operators use ghostwriters to help generate interest in their blog site. These ghostwriters are hired to post comments to their blog, while posing as others by using pseudonyms. This practice is used to generate more traffic and encourage more real posts. Academic ghostwriters are often used by university and college students, and are hired through essay mills to write entrance essays, term paper, and theses and dissertations. Ghostwriting is not desirable for many writers, but ghostwriters seem to provide a much needed service to the writing community. Web Hosting - Do It Yourself Administration, Things to Consider The choice of whether or not to try to administer your own web site brings with it a host, pun intended, of issues. For most web site owners, the primary focus is naturally on creating, maintaining and enhancing the site. That often is just part of managing an entire business, for which the web site is just the means to an end. That implies there will be little interest in or time left over for technical administration like database maintenance (tuning, space management, security, bug fixes), establishing and maintaining backups to ensure they're successful and usable, email administration, disk space management, applying operating system fixes for bugs and security, and other tasks. But cost is always a factor in any business. Paying for technical help can burden the budget of a new and struggling business. Consulting fees can range from a few dollars an hour to over $100. On the lower end, the poor skill level and quality of work will make it not worth even that small amount. On the higher end, you can quickly rack up expenses that will bust your business. Permanent employees are usually somewhere in the middle of that range when you add up salary, employment taxes and more. Often, server and/or web site administration can be paid for as part of the web hosting package. That cost is usually lower than independent contracting help, but those staff are usually tasked with maintaining dozens if not hundreds of servers and sites. They can, therefore, give very little individual attention to yours. Often, novice web site owners are intimidated by some of the technical requirements for server or site administration. But, as with anything, a little familiarity can show that the knowledge required is more modest than one might expect. Administration in many cases involves fairly elementary, and frequently repetitive, tasks. These can be learned easily. Using a test site or a free hosting service is a good way to practice and learn without risk or cost, other than time invested. Once that initial hurdle is jumped over, administration can be done quickly and some even find it interesting. It allows the site owner to exercise additional control over the total product, and there's satisfaction in being able to say 'I did that' even if you prefer not to do it forever. That real-life learning experience also allows the site owner to better judge any consultants or staff that are hired. It's much easier to judge if someone is providing you with an accurate assessment of a problem if you've solved it yourself. Any time-estimate they provide to fix it can also be better calculated if you've had to do it yourself. Every web site relies on a variety of factors, usually unseen, in order to continue to function properly. But the fact is that they misbehave from time to time. Deciding whether to tackle those problems yourself depends on your available time and skill set, and what it will require to get things back on track. In other words, it's a standard cost-benefit analysis that everyone has to undertake every day in life. |