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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.
Web Hosting - DNS, How The Internet Keeps Track of Names The way computers communicate is, in a way, very similar to something very familiar: the postal system that delivers letters and packages. Here's how... The Internet is just what the name suggests, a large inter-connected set of networks. But those networks are pointless without the one part that forms what is called their 'end-nodes', otherwise known as computers. Those computers often need to share information because the people who use them want to share information. But, in a system where there are millions of separate computers, how can you enable them all to communicate? One very important feature of that solution is performed by something called DNS, the Domain Name System. Every part of a network that is going to send or receive information is assigned an IP address. That's a numeric identifier that uniquely specifies a particular 'node', such as a computer, a router that directs traffic or other component. They look like this: 126.96.36.199 But those numbers are more difficult for people to remember and work with. They also aren't very attractive from a marketing perspective. So, a naming system was layered on top of some of them, mostly the computers involved, though routers have names, too. But once you have a system that associates a unique IP address to a given name, you need some way of keeping track of all of them. That's carried out by several different pieces of the system: Name Registrars, DNS Servers and other components. The Name Registrars, overseen by IANA (Internet Assigned Numbers Authority) and other international bodies, provide and keep track of domain names. When you register with GoDaddy or any of a hundred other intermediate companies, ultimately that information makes its way into a number of specialized databases stored inside DNS Servers. A DNS Server is the hardware and/or software that tracks and forwards the IP Address/Domain Name pair from one place to the next. In many cases, there are a number of them between your browser and the remote computer you want to share information with. Suppose you request information from, say, Yahoo's site by clicking on a link on their site. DNS resolves (translates) the name of WHO IS making the request and OF WHOM, to addresses, then passes the request through the network to the requested IP address. The requested data is then passed back through the mesh of network components to your computer and displayed in your browser. Whether the communication is between a desktop computer and a server somewhere, or between one server and another, the process is essentially the same. DNS servers translate names into IP addresses and the requests for data are forwarded on. In some cases those DNS servers are part of a specialized network computer whose sole job is to do the translation and forwarding. In other cases the DNS software may reside on a server that also houses a database of general data, or stores email, or performs other functions. But however complicated the chain or the parts, the basic process is simple. Translate the name to an address, just as the postal system does. Whether international or local, your name is associated with an address, and the deliveries are made to the address, then forwarded to a particular name.
Web Hosting - Email Issues When you build a web site, you often provide a means for users to communicate with you. One of the most common 'add-ons' to a web site is the addition of some kind of email access. Email is used to sign users up for newsletters, provide communication for administrative issues and a hundred other uses. But, as everyone sadly knows, email problems can occur. Virus infection is among the most common, though the situation is actually better today than in the past. Huge efforts, and some progress, has been made over the past 10 years to reduce the number and severity of virus attacks. Hackers haven't surrendered, far from it. But they're on the defensive like never before. Many of those viruses were (and are) spread through email, usually in the form of email attachments. That's the source of the now-common advice never to open an attachment from someone you don't know. Professionals will often extend that advice to suggest you never open an attachment that's unexpected, even if it's from someone you know. Well-meaning, but computer-challenged friends often accidentally forward virus infected emails. Spam has taken over the top spot for email annoyances. It's estimated by various different professional sources that 92-97% of all email sent today is spam. While the definition varies, spam is generally regarded as any unwanted commercial email sent by someone whom the recipient doesn't know or have a business relationship with. Spam clutters email inboxes, requires people to sift through to find valid messages, and often contains offensive messages in some form. But, it's a fact of life and isn't going away anytime soon. Even though laws are in place, thousands of spammers continue to risk fines or jail for the chance of making money from that small percentage who will open the unwanted email. Other forms of email problems are even more severe for many web site owners. When the mechanisms fail that they rely on to send and receive messages to and from their users, that's a problem. Dealing with those problems can range from sending an email or instant message to an administrator, to tracking down the right person to get your site removed from a blacklist. Email is the communications vehicle of choice for millions everyday. When the system burps, someone has to take time to do something about it. Often, that means relying on a person who is already overburdened with too many issues to resolve. So, besides pointing out some sad facts or complaining, what's the point? All of the above shows just one more area you should look at when selecting a web host or deciding whether to move to another. Just as with server or network administration, companies vary in their ability to deal with email-related issues. Some are responsive and super-competent. Others, are simply indifferent or worse. And many are in between. Email administration, like server maintenance or network management, is a professional specialty. Skill in one does not necessarily mean quality work in another. Finding a web hosting company and/or system that has few email problems, and solves them quickly when they occur, is an important task. Spend some time researching who provides superior support in email. You'll be happy you did.