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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.

The Many Sides of Writer Web Rings (writer web rings) Generally, a web ring is defined as a collection of Web Sites from the Internet that are joined together in a circular structure. Writer web rings are a great example of this collection of Web Sites. Web rings may be used to increase search engine rankings, and can be considered as search engine optimization techniques. It is common for many web rings to take advantage of this and find writers looking to improve their own rankings. There are many web rings available for seasoned writers and novices alike. Becoming a member of one of the many writing web rings is as simple as joining any other web rings with different themes. Web ring web sites each have a common navigation bar that contains links to the previous and next sites. Clicking the next or previous sites repeatedly will eventually take the surfer to the site original site of the web ring; this is the origin of the term web ring. Web rings are organized around certain themes, and of course the theme for writer web rings is writing. These web rings for writers typically have moderators who are responsible for deciding what pages to include in the web ring. The making of the web ring is the foundation for the group of people who will soon join. Writer web rings are readily available and are open for all potential writers and experienced writers to join. These web rings for writers are usually seen as an outlet for many writers, who are otherwise unable to find interesting ways to increase their experience in the writing world. Typically, these web rings for writers are designed specifically for certain groups. For example, there are many web rings designed specifically for women. The Accomplished Women Writers group is a group of women writers who help each other by providing tips and hints for getting published. The web ring also includes a site that teaches women how to manage a family, household, and writing career. The Aspiring Young Writers Ring is also a web ring, and is dedicated to helping young writers on their way to becoming professionals. The Author Ring is a web ring that was established for published authors if book-length fiction and nonfiction. Other writer web rings include Black Folks Who Write, which is open to African Americans who showcase their work on the internet; Freelance Webring for freelance writers; Internet Writers’ Guild, which brings together authors of web-published literature and showcases their writing online; and Romance Readers and Writers, which is designed for writers who love all aspects of writing romance novels, and who enjoy reading romance novels. No matter the person, there is a writer web ring for almost every kind of writer, so no writer should feel discouraged if they feel their case is a unique one and there is no writer web ring to satisfy their artistic needs. Writer web rings are not a new concept, but there are many writers who don’t take advantage of their great services. A writer web ring can be used to help any writer expand their knowledge of writing techniques, of their own experience, level, and style of writing, can help them appreciate their writing as well as others, while teaching them about the business of writing, and helping them figure out the world of writing in general. These web rings are considered to be good things because a person can find many sites relating to their own writing all together without searching endlessly. Many may not see writer web rings as perfect, but they can be noted for their service they provide for many writers, and can be seen as a great tool for the writer.

Important Networking Follow-Ups: How to Get Those Job Leads Calling When you leave a networking event, you may be buzzing at the prospects offered by all of those new contacts you made, but soon, the cold reality sets in. How will you be able to convert those contacts you made over a glass of wine into valuable business opportunities for you? Successful networking is all in the follow-up. If you’re looking for a job, following up is all the more crucial. Without touching base after a networking event, you become just another face in the crowd of job hunting hopefuls. The first important rule for following-up with networking contacts is to lay the foundations for the follow-up during the initial meeting. At networking events, there can be a lot of empty promises thrown around. Use that first meeting to convey the message that you haven’t gotten caught up in “networking fever” but instead that you are very serious about exploring the job opportunity that you’re discussing with your new contact. Ask the contact when would be a good time to follow-up with them, and then reiterate the information back to them at the end of your conversation: “I look forward to speaking with you Friday at 2 p.m.” If they don’t give you a specific time, then suggest one to them. This rule holds true even if your contact is giving you a lead on a job not with them but with another contact of their own. Let them know you appreciate the information by saying, “Thanks. I will plan on calling Mary on Monday afternoon at 1 p.m.” Not only will this convey your seriousness about the opportunity presented to you, but it may also get you some handy inside information, as the contact may reply, “Oh, no, Mary will be out of town until Thursday – call her then.” The next important rule to networking follow-ups is to follow up with EVERY lead a contact gives you. If a contact suggests that you call someone whom you know won’t really be able to help you in your job search, call him or her anyway. Otherwise, when your contact finds out you aren’t taking their advice, they may just decide not to give you any more the future and any business person can tell you that you never know from whom the most valuable lead will come some day. Keep the lines of communication open by giving any and all suggestions a whirl. Last but not least, do the actual following-up. Follow up with your contact exactly when you said you would, and in the exact manner you said you would (phone, email, letter, etc). If for some reason you can’t make contact at the arranged time, keep trying. If you haven’t made arrangements for a follow-up with a contact, then the rule of thumb is to follow-up with them as soon as possible after meeting them. Try to at least send an email or letter the next day saying what a pleasure it was to meet and that you look forward to talking more in the future, and then say in that note when you plan to follow-up with your contact by phone. Then, of course, stick to that new follow-up obligation. Even if the promises made by a contact while networking don’t pan out for you on the job front, don’t cross them off of your contact list. Keep them in the loop about your job search and your career goals. While they may not have been able to make if happen for you this time, you never know what they might be able to do for you in the future. Your most promising business contact may be someone you already know.