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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.

Find Free Stuff Online by Visiting the FreeStuffOnline Website Whatever it is somebody is searching for, he might be able to find it on the FreeStuffOnline website. The FreeStuffOnline website is a page that offers links to other pages that have products that are free off charge available to anybody. Pages like this one collect links and web addresses that offer free products and then publish it as a great resource to the broader public. The links offered by FreeStuffOnline leads to a variety of different topics and offers and there might be just what someone one is looking for. The web page offers categories such as educational freebies, which includes Study notes, Encyclopedias, books and more. Family freebies have categories for babies, children and parents. For the computer world there are free products such as free antivirus software, freeware programs, games and graphics, shareware, music and screensavers. For the cell phone fanatic, there are links to free cell phone ring tones and short message programs. A seasonal freebie category holds anything that relates to the major holidays in the United States, such as Christmas, Halloween, Easter and more. The category “internet” offers links to free web hosting pages, e-mail providers and much more. The way such pages work is by the various masters that take care of adding and removing links. As a matter of fact, anyone can add freebie links to the page. This is one of their most important tools to keep such a freebie page working. Anyone who finds a good freebie that is not a fraudulent page should go to the FreeStuffOnline web page and add the link. Other people will benefit from the link just as much as the person that added it. To keep such sites possible the effort of anyone that is looking for freebies is necessary. There are many organizations out there that specialize in providing help for the ones that do not have a wealthy family to pay for all of it. Organizations that specialize in literature offer PDF files of books of world famous authors such as Shakespeare, books that anybody should have the chance to read. Other pages specialize in children’s songs. Downloadable MP3s, legal downloads of these songs are available to make music an integral part of young children’s lives. Even for the new craze of sharing pictures, files and other important date there are links that guide the user to pages that will offer such services for free. Sharing pictures with loved ones should be easy and free and available to anybody. Whether it is the grandparent that lives hundred of miles away or a father that serves in the army, these pages offer the opportunity to anyone to share important data such as pictures over the distance. Using an online file sharing web page also has the advantage of speed over regular mail. Until the pictures are sent to their destination by mail, it can take days, but on the Internet the process takes a few seconds and the person at the other PC can see the data almost instantly. When these files are shared there is always the possibility to have the pictures printed at one of the photo stores and the person will still be able to hold printed pictures in their hands. One other important fact to know about these free online pages like FreeStuffOnline is that whenever you come onto a link that is not working, let them know, only by people telling the web master that the link is not working it can be removed. Helping to maintain the page by alarming for broken links can reduce the frustration to other that was trying to check out the link.

How to Succeed as a Writer in the World of Freelancing (freelancing) Many may view freelancing as a writer as an acquired taste. There are many things about freelance writing that may be deemed as undesirable for many writers, including the common low pay and high demands. However, most writers would consider the freelance writing field, and many enjoy the freedom of freelancing. Being a freelance writer involves writing as well as the marketing of oneself and one’s work. For freelancers, it is important to give careful attention to the business details of the writing world, such as quarterly taxes, and staying ahead of the changing trends of publishing. Freelance writers also have the job of writing according to the editor or publisher’s rules while staying true to their own style. Being a freelance writer may seem ideal to some writers, but in the world of freelance there is stiff competition and most writers receive a hundred rejections before receiving one letter accepting their work. Many freelancers don’t consider being a freelance writer as an easy job, but there are some steps that can help turn any person succeed as a freelance writer. First, it is important that the freelance writer is honest about the quality of their writing and the depth of their writing skills, as well as their knowledge of freelancing. Editors will not spend time with submissions that have many grammatical or spelling mistakes, so it is important to know your own limits, learn your weakness, and use your strengths when writing on a freelance basis. There are many freelance writers who consider themselves professionals, but who don’t have the proper training or degree in any field of writing. So, the next step to being a successful freelance writer is to take a writing course or attend a workshop. Learning techniques from an instructor can be very helpful to a freelance career, and may inspire some writers to move higher on the career ladder. Writers may benefit from receiving comments on the quality of their work from instructors and peers, and may benefit from the pressure of writing well on deadlines. Freelancing requires a certain amount of promotion of oneself, and writers must learn how to write query letters to editors well. For freelance writers, a query letter briefly proposes their idea for an article, gives their qualifications as a writer, and makes the editor believe that the idea is better than every other idea out there. Next, the freelance writer should use web sites for writers to improve their writing skills and to find freelance job opportunities. Many writing web sites have features that are very helpful to writers, and some even offer advice and lessons on how to become a freelance writer and how to maintain a freelancing career. Freelance writers may find it difficult to begin their career, but a simple starting point is the local newspaper or local magazines. It is usually best for a writer to contact the local paper or magazine and ask to submit an article “on spec,” which means the editor may choose not to pay for the article but will be willing to read it. Typically this method works as a good introduction into the freelance process and world, and helps the writer learn the proper techniques for presenting work. Freelance writers should also work on many small points to improve their career, such as professional presentation. It is advisable for a writer to create a portfolio of clips that prove that they have experience as a writer. This may be difficult for inexperienced writers, but they can begin to build their portfolio by volunteering to write for community publications. Online communities also offer writers the opportunity to write and create material for their portfolio. Freelancing may not be desirable for all writers, but for many it is passion, and some believe the writing world cannot survive without freelancers.