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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.
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.
Web Hosting - Databases, What Are They and Do You Need One? 'Database' is one of the most commonly used terms that one encounters in web site design. Yet, what they really are and whether they're essential is often not clear to novices. A database is a collection of organized data, stored in files that have a specific structure. It's that organization and structure that allows for easy and rapid storage and retrieval. The need for a database generally only arises when you have a certain amount of information and that information needs to have some structure. If you have a half-dozen names and addresses to store, a database is usually overkill. If you have a blob of data with no relationships between any of the items in that blob, maintaining a database is usually more trouble than it's worth. Maintain a database? Yes, like other complex systems a database, to be effective, needs to be designed properly at the outset then kept 'tuned' for good performance. The alternative is to gradually allow the database to become more and more disorganized. That leads to difficulty in use, poor speed of retrieval and more frequent failures. With MySQL, Access or MS SQL Server, the three most common choices of database product for web sites today, setting up a database is relatively simple. Even those with limited technical skill can get one up and running just by following some simple instructions. But some thought should be given to how you want the information organized, and to maintaining the system during its lifetime. Suppose you have a set of names, addresses, email addresses, products purchased, date purchased and amount. If you have only a few dozen records it matters very little how these pieces are arranged and related. A database usually isn't even warranted in this scenario. Once you have several thousand or more records, it matters a lot. Speed, the ease of expanding the set of attributes (like adding, say, product category), and other issues come into play. Even those with little technical expertise, but a willingness to exert logical thought and invest some time, can build a very robust database. Think about how you would organize a set of data (called 'tables'). Should Name, Address, and Product be in the same table? Or should the personal information be stored in one table and any product information (product, price, ...) in another? Some experimentation may be needed to get it right, but the choices have an impact on how easy the tables are to maintain. It also affects the speed with which programs can fetch old data and store the new. Having a database also introduces new maintenance issues for the server administrator, since backups usually need to be done differently. Recovering a failed database is usually more complicated than simply re-copying files from yesterday. Ask your hosting company what tools and skills they have for dealing with any database system you consider. It's true that introducing a database creates more complexity and the need for additional thought and administrative effort. At a certain level, professional expertise will be needed. But clearly the advantages outweigh the costs in many cases. Companies large and small eventually use databases to store and organize data. At some point, you may be fortunate enough to be one of them.