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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.
Music copyright infringement How Does Music Copyright Infringement Affect Me? Music copyright infringement happens all around us every day, by both well meaning people downloading music from their favorite social networking site to the guy who?s reselling MP3s. To be certain, most people who commit music copyright infringement don?t realize what?s going on, and are in turn doing something very illegal and prosecutable in the United States. Copyright Infringement, as defined by Wikipedia.org states: ?Copyright infringement (or copyright violation) is the unauthorized use of material that is protected by intellectual property rights law particularly the copyright in a manner that violates one of the original copyright owner's exclusive rights, such as the right to reproduce or perform the copyrighted work, or to make derivative works that build upon it. The slang term bootleg (derived from the use of the shank of a boot for the purposes of smuggling) is often used to describe illicitly copied material.? We?ve all heard of ?bootleg? recordings ? usually audio recordings taken from concerts and sold on home made cassettes or CDs and distributed (sometimes out of the trunk of a car) to anyone that will buy. Bootleg recordings have changed, however, as music copyright infringement has branched into video recordings. Music copyright infringement has exploded with the advent of the internet, and now people from all over the world are sharing every type of imaginable file ? from eBooks to audio to music ? and small label artists began feeling the pinch years ago. However, many new and older artists are beginning to see the beauty of the internet, and are offering their music for sale track-by-track on iTunes and other MP3 sales websites, as well as through their own band websites and MySpace pages. The internet has exploded in the possibilities it?s given up and coming musicians to become visible, while at the same time drastically increasing the number of music copyright infringement cases ? some of which were against innocent people who just weren?t informed. Music copyright infringement cases have helped to create organizations that protect the fair use of an item, such as a song. Organizations such as CreativeCommons.com and the Electronic Frontier Foundation help individuals to know their rights under copyright acts. While there are organizations that help you understand your rights as a purchaser of copyright use, there are organizations that want to limit the ways in which you use the products you buy. It is rumored, for example, that record distribution and production companies want to limit the ways in which you use the music you buy ? they don?t want you to put it on your computer or make a Mix Tape or CD from it ? for fear of ?sharing.? It seems to me, however, when music publishers and distribution companies limit uses like this, they?re opening up a tidal wave of music copyright infringement cases. By limiting the use of purchased material, the companies are alienating their client base and pushing all their sales away from physical products and toward electronic ones ? which are much harder to control. A way in which these companies tried to limit the uses was by creating a DRM program, which severely limited the where a CD could be played (on one computer, for instance). And, in one drastic measure, Sony placed a DRM program on all their CDs in the Winter of 2005, and severely crippled several networks when their ?program? was actually malware that seriously crippled network security. As you can see, music copyright infringement is something that is currently being fought between end users and music production and distribution companies. In this new century, we must find a way to retain copyright, and allow the customers to use the products they buy in a meaningful way, or otherwise the market will shift and the industry as we know it will be abandoned.
Save the Earth and Get Free Stuff from Recycling with Freecycle Get ready to become more earth-conscious by freecycling. What is freecyling and how can it help the environment? As the name implies, the concept of freecycling is directly inspired by the idea of recycling. Freecycling is not only a great way to help protect the earth's natural resources and prevent the flooding of landfills, it is also a great and viable way to find goods and services that you really need. Thus, freecycling is a very practical approach to many of the problems that we face today. What is the Freecycle Network? Freecyling has found a home at freecylce.org. The Freecycle website is home to the Freecycle network. This network is made up of over 4,000 groups with a total member population of over four million people worldwide. The freecycle philosophy is spreading like wildfire as more and more people come to learn more about this exciting and environmentally friendly new exchange network. The Freecycle Network represents an entirely grassroots, nonprofit effort that allows people to get and give their stuff fro free in their own cities and towns. Freecycle allows all the good stuff that would normally end up in a landfill in the hands of someone who can really use it. A local volunteer who is in charge of coordinating the freecycling efforts and awareness in their own community moderates almost each local freecycle group. Membership to join the Freecycle Network is absolutely free and open to anyone with something to give, or get. In order to join the Freecycle Network today, simply find your local community by searching in the search box. The Ins and Outs of Freecycling for the Freecyling Newbie No freecycling is not a new, cutting edge sport?it is an easy way to manage one's owns possessions so that you leave a smaller footprint on the Earth. If you are new to freecycling, perhaps you could use a little guidance on how to get into the freecycling side of things. Here are some things you need to know before you get started in the exciting world of freecycling. Take the Right Kinds of Precautions When Freecycling One of the most important things you should do is to always make sure to freecycle safely. Freecycling often means coming into direct contact with seemingly perfect strangers. You should always maintain your safety and privacy when interacting with other members of your freecycling group. If you do not know someone well, avoid giving out your personal contact information right away. Whenever possible, try to make exchanges in a public setting or at least make sure that you are not alone with picking up or waiting for someone to pick up the item that is being freecycled. Tips and Hints for Using the Freecylce List What happens once you has signed up to become a part of your local freecycling group? Once you have successfully joined, you can use your local freecycling list to communicate with other members. You can post a message, read messages and send email to your local groups collective address. Most local freecycling groups use local yahoo groups to communicate. To send an email to the list, simply send an email to your local groups email address. If for some reason you wish to unsubscribe to your local freecyling group, you simply need to send an email to the unsubscribe address that is listed at the bottom of each email from your local freecycling group. For information on posting, replying or reading messages to your local yahoo group, visit your local group and become familiar with the delivery options. If you have any questions, contact your group's moderator directly.