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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.

Sweepstakes Entries Can Garner some Freebies Are you ready to cash in on the web's best sweepstakes and freebies? When it comes to finding the best of freebies on the web, sweepstakes entries and freebies go hand on hand. There are many fine websites that act as repositories for free stuff and sweepstakes. Here are some tips for finding the best sweepstakes entries and cashing in on the best freebies to be found on the World Web. Tips and Hints for Finding the Best Sweepstakes on the Web There are many websites out there that advertise the best of the free web. These sites often list dozens (if not more) of freebies and sweepstakes. Unfortunately, there are good deals of disreputable and not-legitimate websites that offer erroneous information or simply dozens of outdated sweepstakes links. Fortunately, there are many easy to use tips that you can use to find the best in sweepstakes. Ordering Your Sweepstakes Entries by Category Part of the secret in winning sweepstakes is that winners are able to organize their sweepstakes entries. First, you want to order sweepstakes by category. What are you most interested in winning? Are you lusting after a brand new car, or are you coveting that full makeover and shopping spree? Remember—sweepstakes usually come in big packages, so it does not hurt to think and dream big. Of course, it is important to keep a healthy sense of perspective when you go about filling out sweepstakes entries, but you want to make sure that you are focusing on the right kinds of sweepstakes. Ordering Sweepstakes Entries by Entry Deadline Date Another easy way to bring order to the crazy world of sweepstakes entries and freebies is to organize all of your sweepstakes entries by the deadline date. The last thing you want to do is to focus your energies on sweepstakes entries that are already expired. Purchase a notebook with file pockets that allows you to organize all of your sweepstakes entries by category and date. Keep a calendar handy and make sure that you note the various deadline dates for submitting to sweepstakes contests that you want to enter. Keep an Eye on Your Favorite Companies and Sponsors Once you have been in the sweepstakes business long enough, you begin to notice a definite pattern—your favorite companies, businesses and corporations probably sponsor their sweepstakes contests on a regular schedule. Make sure you bookmark your favorites—those companies that are frequent sponsors of sweepstakes contests—and visit their site often. You want to get a leg up on the competition by knowing who will be holding a sweepstake contest at any given time. Make the Sweepstakes Directory Your Best Friend If you are serious about winning sweepstakes freebies, you will want to become very well acquainted with sweepstakes directories. The World Wide Web is a haven and treasure trove for sweepstakes directories. These are websites that contain libraries of links that can connect you to new sweepstakes. Thank the organizers out there, who feel the need to collect and label links for the rest of us. These websites can be great places to start your search for the perfect sweepstakes entry. Sign Up for Newsletters that Keep You in Touch with Sweepstakes Sponsors If you know that certain companies sponsor sweepstakes contests, consider joining the newsletters of the contest sponsors. Many sponsors use their free newsletters to promote sweepstakes contests. This is a good way to learn more about their giveaway patterns. You will also be the first to know whether about sweepstakes contests as soon as they go online. You can search the Internet for the best of these newsletters. Be warned that your inbox will quickly fill up if you rely on this method.

Assistance on Filling Out those Online Forms for the Free Stuff So, you’ve found a great freebie online, or a free trial of some service you have been wondering about, but the form you have to fill out has left you scratching your head. Sometimes the paperwork involved in getting some free stuff can seem a bit like applying for a mortgage or filling out your life insurance policy, and in fact, many people decide the freebie isn’t worth it after all when they’re facing down an intimidating form to fill out. The good news is that you don’t have to miss out on the free stuff just because the form leaves you a little perplexed. This guide will walk you through filling out these online applications, even if this is your first trip around the Internet. Once you get the hang of things, you’ll be filling out these forms in no time at all. First things first: once you have the form open on the screen in front of you, you have to move your mouse so that the cursor sits in the very first empty space on the form, and then click the mouse once. Some forms will automatically place your cursor there when you open them, but if you are not sure, moving the mouse there and clicking won’t hurt anything at all. All you have to do now is start typing, filling in the information they ask for in that field. Filling out the form the entire form is merely a repetition of this process. Of course, you have to be able to move between the fields easily so you can fill in the rest of the form. On some online forms, the cursor will move automatically when you have finished filling in a field, which makes life easy on you, but others do not. To manually move between fields, all you have to do is either hit the “tab” key on your keyboard or use your mouse to move the cursor to the next field, just like you did to start typing in the first field. Hitting “enter” may seem like a natural thing to do, and while it can work on some forms, other forms will submit themselves when you hit enter, meaning you will have submitted a blank form. It is best to stick to “tab” or your mouse to be on the safe side. This technique should allow you to navigate a freebie form fairly easily. There are a few other things you may see on a form that you have to know how to handle. You may be asked to “check” a box or indicate in a little circle (called a radio button) that you accept the company’s privacy policy or some other thing. To do this, all you have to do is move your cursor over the box or circle and click – the check or the dot will then appear. This can also be handy when forms ask for a billing address and a shipping address - if they are the same, you can tick a box stating so and avoid having to type the same thing twice. If a form has several pages, be careful to save your changes for every page as you move along. Usually there will be a button to click at the bottom of the page that allows you to save the work you have done. Especially long forms usually have some kind of side navigation that lets you skip around from section to section instead of moving through the form systematically – this can be helpful if you need to find some info for one section, but want to take care of all of the other work first. Most forms are reasonably user friendly and contain info to walk you through the process. If you get stuck, look for a help icon on the page – this info should clear up any questions you may have.