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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.

Hook Up with Fat Wallet for Free Sweet Deals on the Net Maybe you have heard of fatwallet.com, but you don't know exactly what this site can offer you. Their slogan is "pocket the difference," which sounds good, but what exactly can this do for you? Here is a brief introduction to fatwallet.com, and what it can offer you. Expect to find the best deals and consumer reports in this vibrant web community. Welcome to the Community of FatWallet What is the FatWallet community? The mission of this community is value, knowledge and guidance. The FatWallet community offers its users to share in the deals and knowledge derived from their vibrant and active forums. With almost a million active members and shoppers, the FatWallet forums are places of knowledge and exchanged information. You can save your best money-saving tips and deals in these very free forums. You will find that the FatWallet forums are often addictive and fun. Signing up for these forums is easy and fast, and you will have instant access to the best of what FatWallet has to offer you. How to Join FatWallet If you are new to the community, here are the three fast and easy steps you need to take in order to join FatWallet. First, you just sign up so that the company knows whom to pay. Joining FatWallet is fast and free. Next, just make sure to shop through FatWallet. You will find the best deals from your favorite stores. Whenever you make an online purchase, you will be earning back Cash Back. This money will begin to add up in your FatWallet account. Finally, get paid. You can request your payments to be made via PayPal or via check. If you need any help with FatWallet, you will find that the website offers responsive customer service that can help answer all of your questions and deal with your concerns. Why Should You Join FatWallet? Maybe you are wondering why you should bother signing up with FatWallet. There are many reasons why you might choose to shop through FatWallet. First, shopping through FatWallet allows you to communicate with almost a million shoppers in the FatWallet forums. Find out what's hot and what's not in the FatWallet forums. You can raise your shopper's IQ by reading up on money-saving tips and the latest deals. You will find that the FatWallet forums are what make the site so very special. You will also find that the forums can be very addictive. What Makes FatWallet So Special? Perhaps you are wondering what makes FatWallet so special. FatWallet is one of the most intriguing shopping websites because it is content-driven, and most of the content on the website is created by its users. That means that the majority of the content on the FatWallet website is generate by consumers, specifically for consumers. FatWallet is not just a fun and easy way to save money and make money through online purchases, it is also a great way to find out the latest shopping trends. You can easily find out the latest shopping trends. If you are looking for the best price on an item, chances are that you need only consult the FatWallet forums to find the best and latest deals on whatever you happen to be shopping for. Whether it is a new car, new laptop computer or new pair of shoes, you will be able to find the best deals by checking in with your fellow FatWallet forum members. Enjoy the experience consumer critical mass. When half a million consumers get together, you will be surprised and pleased by how much you can learn about the products and services that are currently available on the market.

Web Hosting - Redundancy and Failover Among the more useful innovations in computing, actually invented decades ago, are the twin ideas of redundancy and failover. These fancy words name very common sense concepts. When one computer (or part) fails, switch to another. Doing that seamlessly and quickly versus slowly with disruption defines one difference between good hosting and bad. Network redundancy is the most widely used example. The Internet is just that, an inter-connected set of networks. Between and within networks are paths that make possible page requests, file transfers and data movement from one spot (called a 'node') to the next. If you have two or more paths between a user's computer and the server, one becoming unavailable is not much of a problem. Closing one street is not so bad, if you can drive down another just as easily. Of course, there's the catch: 'just as easily'. When one path fails, the total load (the amount of data requested and by how many within what time frame) doesn't change. Now the same number of 'cars' are using fewer 'roads'. That can lead to traffic jams. A very different, but related, phenomenon occurs when there suddenly become more 'cars', as happens in a massively widespread virus attack, for example. Then, a large number of useless and destructive programs are running around flooding the network. Making the situation worse, at a certain point, parts of the networks may shut down to prevent further spread, producing more 'cars' on now-fewer 'roads'. A related form of redundancy and failover can be carried out with servers, which are in essence the 'end-nodes' of a network path. Servers can fail because of a hard drive failure, motherboard overheating, memory malfunction, operating system bug, web server software overload or any of a hundred other causes. Whatever the cause, when two or more servers are configured so that another can take up the slack from one that's failed, that is redundancy. That is more difficult to achieve than network redundancy, but it is still very common. Not as common as it should be, since many times a failed server is just re-booted or replaced or repaired with another piece of hardware. But, more sophisticated web hosting companies will have such redundancy in place. And that's one lesson for anyone considering which web hosting company may offer superior service over another (similarly priced) company. Look at which company can offer competent assistance when things fail, as they always do sooner or later. One company may have a habit of simply re-booting. Others may have redundant disk arrays. Hardware containing multiple disk drives to which the server has access allows for one or more drives to fail without bringing the system down. The failed drive is replaced and no one but the administrator is even aware there was a problem. Still other companies may have still more sophisticated systems in place. Failover servers that take up the load of a crashed computer, without the end-user seeing anything are possible. In fact, in better installations, they're the norm. When they're in place, the user has at most only to refresh his or her browser and, bingo, everything is fine. The more a web site owner knows about redundancy and failover, the better he or she can understand why things go wrong, and what options are available when they do. That knowledge can lead to better choices for a better web site experience.