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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.

What to Think about While Choosing a Writing Desk (writing desk) Writing desks come in many shapes and forms. The technical definition is a piece of furniture with a surface for writing, with drawers and pigeonholes for writing materials and a portable case that when opened forms a surface on which to write. A writing desk could be as complex as that definition or as simple as a desk for writing. Basically a writing desk can be anything that you want it to be. You may not need to buy a writing desk. You may be perfectly comfortable with one you already have or working on the couch or at the kitchen table. This is fine. If it is a cohesive work environment for you that is fabulous, but some writers require a more formal, dedicated area just for them. By finding the perfect writing desk, you are on the way to the start of creative that work style atmosphere that they need. Before you begin your writing desk shopping venture you must first have two things picked out. The area in which your desk is going to go and the chair you are going to use. The location of the desk is important because it will be necessary to choose a size and style. The chair is important for comfort and maybe an important factor in determine the correct height of desk needed. Once these are figured out you shopping journey is ready to begin. While shopping for a writing desk the most important feature is comfort. You need to sit at the desk for most likely for hours at a time. Having a desk at the right height is imperative to this. With the writing surface being to high or to low will not only be uncomfortable but also will more that likely make it difficult for you to concentrate and write. Having a writing desk that is not the correct height is likely to cause neck and back strain. The function and the size of your writing desk are the next factors you need to consider before you purchase one. Do you need one with a little storage or a lot? Does it need to have an adjustable surface or can it just be flat? With all the choices available assessing what you need can help narrow down the ones that will work for you. How big of a space do you have for it? These are some simple considerations that are often forgotten while buying a writing desk. It would be terrible to fall in love with a desk and bring it home just to find out that it is not going to fit. The next important thing is style. When choosing the style of the writing desk you will want it to flow with the furniture already in your home. If your home is modern or contemporary you may want to choose one of the metal and glass desk designs or perhaps one with light wood tones and metal accents are right for you. Another great writing desk available is called the secretary. The secretary is wooden desk with drawers on the bottom and a fold down writing surface. They are usually compact in size but have ample storage and often offer shelving covered by glass doors on top. Plus having a fold down writing surface, it is easy to close up when you are done and hide you space altogether. Choosing the writing desk that is right for you may not seem that important. I mean how difficult could it be to choose a surface to write on, right? But making sure comfort, storage, and style fit into your lifestyle is an important decision. This is part of creating a suitable working environment for you to produce your work.

Cruise for Free Stuff Anonymously with a Free Privacy Service The World Wide Web is full of freebie offers, but many of these require you to give websites personal information and data. If you don't want your personal information floating around the World Wide Web (and who does want this?), there are some precautions you can take. Do you want to cruise for free stuff without having to worry about giving up your privacy? Here are a few privacy services that can help you cruise the web for freebies without having to worry about giving up any of your personal information. Why Should You Protect Your Privacy? Why should you even bother to use privacy services to cruise the web? There are many reasons why you would want to keep your personal data from being leaked into the World Wide Web. Every time that you are asked to provide personal information, you are at risk for infecting your computer with some kind of virus or spyware. In fact, it is estimated that the majority of all computer systems are infected by spyware. There are many programs that can actually track your keystrokes. This allows hackers and other cyber criminals to gain access to your passwords, bank account numbers and other private information. This puts you at high risk of computer identity theft. You can avoid having to enter personal information by using privacy programs to surf the web. Surf Easy with Anonymizer.com This is a program that allows you to surf the web anonymously. What does this program do? This program protects you by keeping your IP address secure. This means that online tracking software will be unable to track the sites you visit and keep a profile on your online activities. This program allows your connection to be redirected through their own secure servers, thus keeping your online identity hidden and protected. This program uses 128-bit Secure Sockets Layer technology. The program also provides protections against pharming, phishing and spyware websites that seek to invade your computer. Keep Your Privacy with Enonymous What is Enonymous.com, and what can it do to protect your privacy? Enonymous.com offers web surfers the ability to cruise confidently with its own host of free privacy software. This privacy software was created as a way to protect web surfers and consumers right to privacy. The program offers users with privacy policy statements and ratings. The software also helps users choose what kind of personal information they want to divulge before making web purchases. If you are concerned about giving away your name, phone number, email and other personal data, not to mention credit card and bank account numbers, then you will appreciate this software program. For Fast, Free and Totally Private Email, Turn to Hushmail Are you looking for fast, free and private email? If so, Hushmail.com is what you are looking for. This email uses industry standard algorithms that are optimized for the highest level of privacy, authenticity and security. This is one of the best of the free email services if you are concerned about protecting your privacy. All you need to do is to create your own passphrase. The program creates a transparent decryption and encryption system. It is also very user-friendly that allows for easy encryption and decryption of data, and for fast retrieval of a public/private key. ZoneAlarm for the Best in Firewall Protection If you are looking for the best in firewall protection, consider using ZoneAlarm for protecting your PC from invading viruses and spyware. This award-winning program helps shield your computer from incoming attackers, and helps banish already-present invaders. Surf the World Wide Web with confidence with the help of ZoneAlarm.