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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.

Non copyright music downloads Non Copyright Music Downloads Offer Growing Options for Music Collections Non copyright music downloads are growing in popularity and providing much needed exposure to many 'starving artists'. The truth of the matter is that many artists are turning to open source applications or creative commons licensing which allows them to provide their music to others while still retaining their ownership. It's a great idea that has actually worked quite well within the software community and is just now taking hold within the music industry. The idea of services such as this that offer non copyright music downloads to consumers for their listening pleasure is a relatively new concept that is beginning to take hold throughout the online music community. It is important to remember that while there are a few names that are recognizable and reputable in this particular industry there are also those that have less scruples than others and are more than willing to take advantage of music lovers for the fees they will pay and/or a credit card number and personal information. It is always wise to be aware of the information you are sharing online and to take great pains not to give information to companies that aren't absolutely secure and reputable. There are so many 'back room' websites that offer you unlimited music downloads for a yearly or lifetime subscription fee that sounds to good to be true. The problem is that many of these have a very limited selection of non copyright music downloads or quality music and only offer substandard and non mainstream music that no one has ever heard of or they offer music sharing that is not at all legal and puts you in a precarious legal position. The law holds you accountable for what you do rather than what you understand you are doing more often than not. Thinking you have non copyright music downloads is not the same as actually having them. So don't believe everything you see when it comes to defining legal and illegal music downloads. Find companies that have good reputations and don't go with cheaper services that are suspect and vague in their description of services. Non copyright music downloads or open source music is still relatively new. There are a lot of questions that leave a lot of room for misunderstandings, confusion, and consumers being taken advantage of. Educate yourself before subscribing to any of these services. Check out several do searches online to see if there is any negative feedback about these companies, read the feedback and see what people have to say. You can't believe all the negative you read but if many people complain about selection or quality it's quite likely that they don't have a good selection or great quality. Know what you want and find a service that will give it to you in non copyright music downloads. Another thing to know about non copyright music downloads is that many of these services are not offered free. There are expenses involved for the company, the hosting, website advertising, the fees they pay the artist, and any other number of fees-also keep in mind that this is a very time consuming business for them and they have overhead costs in addition to wanting to get paid as well. Remember this is a business for them. You should not expect less of open source music than you expect from other music that you pay a subscription in order to download. Non copyright music downloads are definitely the wave of the future and the technology had better be able to keep up with the demands of consumers.

What Career Coaching Can Do to Help Land a Better Job A career coach is something many people have heard of but few actually understand what they do. Career coaching has become more popular in recent years, and they are actually used by many people who already are employed to help them stay on the right track in their career. If you are looking for a job, however, and especially if your job search is proving difficult and painful, a career coach might be just what you need to get your search on track. Career coaches get a lot of flack by trade. Some people laugh them off as the latest in the line of self help gurus that people spend a lot of money to see, often with mixed results. To some people, career coaches are up there with psychoanalysts and personal trainers – accessories of the rich but not very relevant to your every day kind of person. This assessment of career coaches might not be entirely fair, however. Career coaches can, and have, helped tons of people get on the right track in their job searches and have helped even more people not only find a job, but find a career that they love. So, just what can a career coach do for you? If you are job hunting within a certain industry, a career coach can help you narrow down your choices while simultaneously making sure you are putting your best foot forward when you go out there on the hunt. Sometimes, especially if you have been in a field for a long time, the skills you are highlighting on your resume are stale or the language you use to talk about your work history is outdated. In addition, a career coach can help you make sure that when you go into a job interview you can present yourself as on top of the latest developments in the field and as a person who could jump right into the job without needing a lot of training or guidance. The same goes for someone who is trying to get a job in a new field. A career coach will give you pointers about that field and the companies in the field as well as giving you general advice about the typical culture of that business – what kind of lingo is used, where the industry is centered, who the big players are, and even how to dress for your interview so that you look the part. Career coaches can also make sure your resume is in order and showing off your skills in the best light possible. This help a career coach provides when you know what kind of job you are looking for is all well and good, but they can do even more when you know you need a job, but you just don’t know what you want to do. If you have been frustrated in your career goals in the past, a career coach will work with you to decide exactly what kind of job you really want to have. They can help you figure out which industries are best suited to your interests, your skills and your personality. If you want to start your own business, they can walk you through the process from start to finish. A good career coach could be the key to finding the career of your dreams instead of just one more job. Last but not least, a career coach can let you know what you are doing wrong in your career. Do you have a problem with your interpersonal working relationships, or are you bad at delegating so you always end up doing all of the work? A career coach will work with your to set these problems right. When you need a better job, a career coach can clear the path for job improvement.