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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.
Reinventing Yourself Can Make a Difference in Landing a Better Job Are you stuck in a dead end job that isn?t getting you any closer to your goals? Did you wake up one morning to find yourself knee deep in a career you never wanted and one that is not making you happy? Many people feel this way ? it can be easy to ?fall into? a career that you think is temporary and then get so caught up in the day to day aspects of the job that never quite get out of it. If you find yourself in this kind of rut, the good news is that it is never too late to make a fresh start. No matter what your age is or what stage in your career you are at, you can always reinvent yourself to get closer to that perfect job. All you have to do is work up the courage to make the jump. The first step in giving yourself a career makeover is identifying exactly what you want to do. While it may be true that there is always time to reinvent yourself and start over, if you have to go through the process too many times, you are only wasting valuable time that could have been spent doing what you love. Don?t fall into yet another career that isn?t all that is it cracked up to be. Think about the things that you wanted to do when you first entered the working world. What was your dream job then? What career field was your passion? Is it still what you want to be doing today? Discover your dream, and then start building your goals around it. Once you know what you want to do, the time comes to start researching it. How do most people get started in the field? Will you need to start your own business, or are there companies out there already doing what you want to do? What kinds of entry level positions are available? Will you be able to do this in your town, or would moving to another city mean more opportunities for you? Before you make the leap, research your job options carefully. You may need to plan financially for the step you are about to take, so do your homework up front. Talking to other people in the field you want to enter is a great way to get actionable advice from people who have been there. When you know what kind of experience you will need to get started in the field of your dreams, think about the experience you have had in the past, and what you have done that matches up. This can mean either work related experience or things you have done as a hobby or class you have taken in school. Be creative here ? you may have experience you don?t even realize you have. For instance, if you want to open a bakery, and you are always in charge of the bake sale at your child?s school, this counts as experience. Comb through your history and pick out all of the things you have done that will give you a leg up in your new career. Last but not least, you have start creating a new image to present to the working world. Start over with a brand new resume, this time highlighting the experience you have this is relevant to your new career goals. Work on a great cover letter that explains your passion and why you want to switch fields. If you are starting your own business, work on building a website and creating a brand you can be proud of. The sooner you start living your new career, the sooner your dream job will fall into place.
US Copyright Lawyer What can a US Copyright Lawyer Do for You that Others Can?t? First a US copyright lawyer can help anyone that is in the United States, they know the laws of the land and the best ways to fight them. A US Copyright Lawyer is here to protect you. That?s right I said YOU, not the neighbor down the road, or someone that lives in the next country but YOU. A US copyright lawyer is there to help you actually file a copyright, advise you and to help you get back what was once yours and sue someone. If you are an American or someone currently living in the United States you will be able to hire a US lawyer, however if you reside out of the states there may be restrictions. In the internet world copyright issues are becoming a big thing and having a US Copyright lawyer behind you can definitely help if you need to fight against someone stealing your work. Copyright lawyers must stay current in all the recent rulings dealing with copyright issues, which means they know their job. Don?t just stick with a lawyer you already had because you?ve used them before. They may have been great at your car accident or your divorce but for copyright issues, you need a lawyer that deals with them. A US copyright attorney can also help you in retrieving money even if you never filed the copyright until after it was stolen or online. This can get a bit tricky when it comes time to prove it though, however if you have a good lawyer this shouldn?t be a problem. A US copyright lawyer will be able to help you copyright any work that you may have, it does cost $20 to file a paper to get the copyright on your work. This does not mean that there is a one time fee of $20 and all your work is safe, actually you must do this with all your work. You are paying per piece, but in the long run if you need to sue someone for using your content they can end up paying $35,000. A US copyright lawyer can help you with this if you live in the United States and the case happened in the states, technically they could help even if it happened internationally but things get a bit more expensive when this happens. Your US copyright lawyer may have already dealt with people stealing content, or maybe celebrity pictures. Recently a big name celebrity had her pictures leaked on the internet, she sued the people that were spreading them and it suddenly stopped. All those websites that had the pictures on them were asked politely to take them down since they were copyrighted and they were gone. That?s what a good US copyright lawyer will do; he/she will be able to prove their case because they know the law. They will have to show proof of when something was taken, said, or documented. In the case of pictures, she was able to show that she had the proofs and that there was no agreement for anyone to use them. Copyright laws have been changing since 1976; however it changes as our technology advances. Lawyers and judges know our needs and are learning every day how to protect them and in order to do that laws are passed and the copyright laws are updated. Granted laws may be different in other countries but the chances are if it happens on US soil, the best representative would be a US copyright lawyer because they have been studying ever since law school.