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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.
Copyright music Copyright Music in Order to Protect Future Profits If you are a budding artist seeking to copyright music that you have labored over, there is good news. Many people confuse copyrighting music with registering music and they are two different things. According to the law in the United States, once you have written or recorded your music in a permanent form, it is copyrighted. Of course, it might help to first understand what it means to copyright music in the first place. A copyright is a certain legal protection that is offered to those who compose creative works. Whether those works be art, music, or the written word. According to the U. S. constitution there are limits that can be placed on the amount of time that the work is exclusively protected. If you copyright music, this means that you and you alone have the right to use your work or allow others to use your work. You also have the right to distribute copies of your work. Whether those copies are in the form of written or sheet music or recorded music to the public as well as the right to perform your music for the public. There is something called fair use that despite your copyright; music written or recorded by you may be used for the purpose of research, news reporting, commentary, or criticism. In other words, there are times when the use of copyrighted material is deemed appropriate without the consent of the one holding the copyright. To copyright music alone is not enough in many cases to protect your music, at least not without going through a lot of hoops in order to do so. One of the things you can do in order to protect your copyright is provide notice of copyright. This is a simple step that includes writing a simple statement to the effect of the word "copyright", the date, and your name at the bottom of your sheet music or on the case for the recording or the actual recording itself. CD's are the most common means for recording devices today and a notice of copyright can easily be added to the exterior of your CD or on your label if you have one printed. In case you are wondering: why copyright music? The answer is rather simple, so others cannot take credit for your creative genius. For an added layer of protection you may want to consider registering your copyright as well. Registering your copyright will provide you with formal legal documentation of your ownership of your music should anyone else attempt to lay claim to your music or any other dispute about true ownership/authorship come about. You must have your copyright registered if you wish to file a copyright infringement suit and it is, in my humble opinion, better to not only copyright music early on but also to register your copyright before it could possibly become an issue. Registering while not entirely painless is not as difficult a process as you might think. Basically it involves filling out an application, paying a filing fee (check with the U. S. Copyright Office for the current amount), and a copy of the work being protected (this will not be returned). It's also important to remember that your music doesn't have to be published in order for you to obtain a copyright. Music should be copyrighted and registered long before the publication process in order to protect your rights as the creator of the music. Whether you are dabbling with cute little limericks or writing masterpieces and concertos or are rock and rolls next super star you want to make sure to copyright music earlier rather than later for the best possible outcome should problems arise.
Five Ways to Find Free Stuff Are you crazy about web freebies? Do you love free stuff? Who doesn't love free stuff? Most people appreciate the occasional free sample in the mail, but there is a specific group of individuals?freebie hunters?that are dedicated to finding the very best in freebie offers. Fortunately for them, and all of us, the World Wide Web is a treasure trove of freebies, special offers and promotions. Coupons and free samples are just some of what you can get by becoming a dedicated freebies hunter. If you are new to the world of active freebie hunting, here are five ways you can go about finding more free stuff. 1. Getting a Hold of Free Samples. Free samples are the bread and butter of the dedicated freebie hunter. Who doesn't like free samples? Free stuff is good stuff. However, be forewarned that once you get into the world of free samples, it can be easy to get carried away. You may find that your mailbox can fast become flooded with free samples. If not your physical mailbox, your inbox can also become flooded with free coupon offers. Always read the fine print carefully when you are soliciting a free sample directly from a manufacturer. You may inadvertently be signing up for newsletters, promotions and ads. To find the best and latest free samples, visit the StartSampling.com website. StartSampling is an innovative company that allows you to sample new products from exciting companies. If you have a favorite company, you can head to their website and sign up directly for new product samples and discount coupons. For instance, if you are a fan of Crest brand toothpaste or Oil of Olay products, you can sign up with them directly for free samples and coupons. 2. Looking for Free Communications Tools? If you are looking for the best in free telecommunications tools, you are in luck. For those of you tired of being overcharged for faulty 4-1-1 telephone calls, there is now a free directory that you can turn to. Free directory assistance is now available to you at 1-800-FREE-411. This free directory assistance allows you to get most numbers that you need at absolutely no charge. However, you will have to listen to a short advertisement before you are allowed to find your number. For even more free telecommunications tools, check out this handy phone tool. The next time you are stuck in an unpleasant situation and need to escape, plan on using the popularitydialer.com. Simply set the time you need and you will receive a fake call that can pull you out of a less than desirable situation. 3. Finding Free Memory. Need more ways to stay on top of things? Are post-it notes just not cutting it? If you need a little more, you will find that memotome.com can be a great help. Memotome.com is a free scheduling tool that allows you to stay on top of events and dates. It is free to become a member and you even get access to free party and event planning tools. 4. Get Your Fill of Free Literature. Are you an avid reader? If so, you will find that paperbackswap.com is a reader's paradise. All you have to do is choose the book you want to read and request it. You should receive the book in the mail in a few short days. You can also list your own paperback books that you would like to get rid of. 5. Your Free Route to Financial Planning. If you are looking to become a financial planner, check out the very free planning tools that are available online. You can take advantage of free calculators that allow you to figure out your income and savings.
Copyright lawyer rating Determining what's in a Copyright Lawyer Rating You can find a copyright lawyer rating these days by doing a quick search online or by subscribing to a mailing list to the copyright lawyer guild. What goes into determining a copyright lawyer rating may be how many cases he/she has won or lost? The person that has won the most cases will be at the top of the rating chart, however someone that just comes in may be at the bottom for lack of experience. If you are searching for a copyright lawyer you will want the best but keep in mind that if they already know their copyright lawyer rating is high, their price might be raised more than the others in the field. So, make sure this is someone you want to represent you or to do your filing. If you are simply getting a copyright you probably don?t have to have the best and can go with your average rating. Someone suing you for copyright infringement or something else means you may want the best; you don?t want one that had a bad copyright lawyer rating. Do you? Today many companies are offering their own little search areas for towns, you might find a whole list of companies that need reviews and chances are those that are all bad rating are from one person. These sites are very new and popping up everywhere, the only way to find out how true the copyright lawyer rating, is by asking them. Another way they do a copyright lawyer rating is by passing out a few sheets of papers with a bunch of copyright lawyers names on them and having their peers rate them. I don?t really consider this fair because someone with the same amount of time and wants to be top in the field may mark their competition down just to get up on top. Not to mention how can they rate them when they may have never heard of them. Do you give that person a bad rating or a one star because you have no clue how they perform? Do you leave it blank? Find out why a copyright lawyer rating got the marks they did. Keep in mind that a client that didn?t win a case can have it out for them and rating them bad or review them as bad in every site that they can, which can cause a big drop in ratings, especially if they are new. Not all lawyers like that fact that just about anyone can rate them online these days, it was easier when their ratings only went with what cases they dealt with, how many they represented and their win/lose streak. There is a website called Martindale, it gives you ratings of many lawyers. This is a great site to come view to find lawyers in all types of fields, not just copyrighting. Explore it, there are a ton of reviews written by lawyers and clients, there are also legal articles, cases, events and much more for you to look at. Don?t forget about the peer ratings, which you can find person most qualified to help you. This is one place that does seem fair when giving out their copyright lawyer rating, they make sure that the top person can only be rated if they?ve been in that field for over 10 years, which makes it fair to a person that has very little experience. They won?t be on the rating list which means they won?t be at the bottom of the list. Remember, if your copyright lawyer rating isn?t up there doesn?t mean he/she is bad, they may have requested not to have it published or may not have been in the field long enough to be judge. The best judge for them will be you.