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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.
Music copyright infringement How Does Music Copyright Infringement Affect Me? Music copyright infringement happens all around us every day, by both well meaning people downloading music from their favorite social networking site to the guy who?s reselling MP3s. To be certain, most people who commit music copyright infringement don?t realize what?s going on, and are in turn doing something very illegal and prosecutable in the United States. Copyright Infringement, as defined by Wikipedia.org states: ?Copyright infringement (or copyright violation) is the unauthorized use of material that is protected by intellectual property rights law particularly the copyright in a manner that violates one of the original copyright owner's exclusive rights, such as the right to reproduce or perform the copyrighted work, or to make derivative works that build upon it. The slang term bootleg (derived from the use of the shank of a boot for the purposes of smuggling) is often used to describe illicitly copied material.? We?ve all heard of ?bootleg? recordings ? usually audio recordings taken from concerts and sold on home made cassettes or CDs and distributed (sometimes out of the trunk of a car) to anyone that will buy. Bootleg recordings have changed, however, as music copyright infringement has branched into video recordings. Music copyright infringement has exploded with the advent of the internet, and now people from all over the world are sharing every type of imaginable file ? from eBooks to audio to music ? and small label artists began feeling the pinch years ago. However, many new and older artists are beginning to see the beauty of the internet, and are offering their music for sale track-by-track on iTunes and other MP3 sales websites, as well as through their own band websites and MySpace pages. The internet has exploded in the possibilities it?s given up and coming musicians to become visible, while at the same time drastically increasing the number of music copyright infringement cases ? some of which were against innocent people who just weren?t informed. Music copyright infringement cases have helped to create organizations that protect the fair use of an item, such as a song. Organizations such as CreativeCommons.com and the Electronic Frontier Foundation help individuals to know their rights under copyright acts. While there are organizations that help you understand your rights as a purchaser of copyright use, there are organizations that want to limit the ways in which you use the products you buy. It is rumored, for example, that record distribution and production companies want to limit the ways in which you use the music you buy ? they don?t want you to put it on your computer or make a Mix Tape or CD from it ? for fear of ?sharing.? It seems to me, however, when music publishers and distribution companies limit uses like this, they?re opening up a tidal wave of music copyright infringement cases. By limiting the use of purchased material, the companies are alienating their client base and pushing all their sales away from physical products and toward electronic ones ? which are much harder to control. A way in which these companies tried to limit the uses was by creating a DRM program, which severely limited the where a CD could be played (on one computer, for instance). And, in one drastic measure, Sony placed a DRM program on all their CDs in the Winter of 2005, and severely crippled several networks when their ?program? was actually malware that seriously crippled network security. As you can see, music copyright infringement is something that is currently being fought between end users and music production and distribution companies. In this new century, we must find a way to retain copyright, and allow the customers to use the products they buy in a meaningful way, or otherwise the market will shift and the industry as we know it will be abandoned. Being Effective in Your Persuasive Writing (persuasive writing) The goal of persuasive writing is to have the ability to influence or change a persons mind with your words. You encounter these in your normal everyday life. Whether it is a politician trying to convince you to vote for them, a commercial for a company that wants you to buy there product, or from your children trying to explain the reason why they should be allowed to go to that concert, persuasion is all around. You may even use the power of persuasion on yourself, like deciding why or why not you should eat that last piece of pizza or if you really need to buy another white shirt even though it is a really good deal. Everyday you have to decide on whether one choice is better than another and why. To succeed in your persuasive writing venture you need to follow a few simple rules. You must have focus. Decide on what position you are trying to persuade. Are you for or against the topic your writing about? Choose a side and stick with it. Arguing both sides of the fence will be detrimental to your persuasion. There are three techniques that you will need to use to have convincing persuasive writing. Now you need to provide facts and evidence to support your writing. Statistics and examples are used to provide the reason people should choose you position and believe your writings. You can also include facts and evidence that demonstrate why the opposition is wrong. This should be eased into. Remember you are trying to persuade and convince them on why you position is better not offend or alienate them. This is called the logos technique of persuasion writing. Another persuasive writing technique is ethos. This is where you have to prove yourself to be a creditable person. To be able to make your readers believe that they should have confidence in what you are telling them. The best way to prove your credibility is to provide true and undisputable facts, be articulate, and explain why you are capable of proving this information to them. Pathos is the third technique you will use in your writing. This will appeal to the emotions of the readers. This can be the most important technique but also the most critical. It must be used with caution or you can just as easily turn the readers against you as you could bring them with you. Appealing to your readers emotions can be tricky. This must be done subtly To work this effectively you must have the ability to make the reader feel your emotions, the joy, the pain, the hurt whatever the case maybe. You need to pin point your target audience and write to appeal to them. What sounds interesting and persuasive to a teenager most likely will not work with a middle age woman. Whether you are targeting men or women will make a difference in you writings. Identify with your target audience. An example of this would be ?only the cool kids will be wearing product XYZ? or ?we know as a respectable home owner you will want to?..? By identifying with the intended audience it pulls them into what you are writing and how or why it pertains to them. Persuasive writings can be a challenge. You have to objective and opened minded to other positions of the topic at hand even though sometimes you don?t want too. Remembering you goal is just to persuade them why yours is better. This does not necessarily mean that the opposition is bad or wrong, just that yours is a superior choice. |