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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.

A Top Notch Cover Letter Can Get your Foot in the Door If you have ever looked for a job, then you know that it is tough out there. Competition is always fierce, especially for those “dream job” type of positions – great company, great benefits, and great pay. If you want your resume to rise to the top of the pile in the Human Resources department and you want to get that call for an interview, then you need something to make your resume stand out from the rest. The best way to draw attention to everything you have to offer is to have a cover letter that jumps right off the page and grabs the attention of the reader. The cover letter is your first chance to make an impression, so make sure your cover letter makes you the one potential hire that is definitely going to be getting a call. Before you can get into the content of your cover letter, you have to cover your basics. You should never, ever have a “form” cover letter that you use with every resume you send. Tailor your cover letter specifically to each individual employer, mentioning their company and the position for which you want to be considered. Address the letter to the correct person – if you’re not sure who will be doing the hiring, call the company and ask. Don’t assume you can address your letter to the HR department and have that be close enough. Taking the time to write a personal cover letter to each company lets your potential employer know you pay attention to detail right off the bat. Of course, you should also make sure that your cover letter is grammatically correct and free of typos. A sloppy cover letter is a one way ticket to the trash can for your resume. Once you have your basics in order, you can turn your attention to what you are actually going to write in the cover letter. Your cover letter is your sales pitch to the company; you need to let them know why they should bet on your when they hire for the position. One great way to sell yourself is to show off how much you already know about the company. Let them know why you want to work there by specifically mentioning projects the company has been involved in that you admire or talking about the position of the company within the field. As you show off how much you know about the company, draw attention to the ways you can actively help the company grow and succeed by drawing parallels between your experience and their work. After you have shown that you have done your homework and know about the company, go into some detail about the unique aspects of your work history. Draw attention to any special achievements or awards and any educational background you have that makes you a good candidate for the job. Remember, your resume will be attached to the cover letter, so you don’t have to go into great detail. Just pick out the highlights that will make the reader want to turn the page and delve into your resume. How you close your cover letter makes as much difference has how you open it. State again exactly what job you want to be considered for, and suggest that you come in for an interview. You can also suggest a few dates and time for an interview to show that you are eager to move on to the next step. You should also give a time and date that you will call to follow up on your resume. A pleasant closing and your signature seal the deal on your winning cover letter.

Web Hosting - Why Backups Are Essential One thing most web site owners have little time for is... anything! Anything other than focusing on their site content and the business or service it supports and the information it provides, that is. That means that administration often suffers, as it frequently must. There's only so much time in the day. But the one thing that you should never let slide are backups. They are like insurance. You rarely need it (you hope), but when you do you need it very badly. Performing regular backups - and testing them - doesn't have to be a nightmare. A little bit of forethought and effort and they can be automated to a high degree. And, they should be tested from time to time. Even when a backup appears to have gone without a hitch, the only way to know whether it's of any value is to attempt to restore the information. If it can't be restored, the backup is worthless. Even when the web hosting company provides the service, there is still some planning involved for the site owner. Hosting companies often rely on one or both of two methods. They backup everything (called a full backup), then backup anything which has changed since the last full backup (called an incremental backup). Of special interest are any configuration files that have been tailored. If you've modified the default installation of a software package, you want to be able to recapture or reproduce those changes without starting from scratch. Network configuration files, modifications to basic HTML files, CSS style sheets and others fall into the same category. If you have XML files, databases, spreadsheets or other files that carry product or subscriber information - about items purchased, for example, or people who signed up for a newsletter - those should get special attention, too. That's the lifeblood of your business or service. Lose them and you must start over. That can break your site permanently. It should go without saying that all HTML and related web site files that comprise visible pages should be backed up regularly. It isn't necessary to record every trivial change, but you can tailor backup software to exclude files or folders. Usually they're so small it isn't worth the trouble. But in some cases those small changes can add up in scenarios where there are many thousands of them. Here again, the backups are worthless if they can't be used. Even if the hosting company charges for doing so, it's worthwhile to test once or twice a year at least to ensure the data can be restored. That's especially true of database backups, which often involve special software and routines. Database files have a special structure and the information is related in certain ways that require backups be done differently. Developing a backup strategy can be straightforward. Start simply and review your plan from time to time, modifying it as your site changes and grows. But don't neglect the subject entirely. The day will come when a hard drive fails, or you get hacked or attacked by a virus, or you accidentally delete something important. When that day comes, the few minutes or hours you spent developing and executing a backup plan will have saved you days or weeks of effort.