Friday, July 19, 2013

Usual Background Checks

When was the last time you had your background checked? This is usually done for employment purposes or if you are applying for a loan, you can expect the loan institution to conduct an inquiry for your credit score. Even us ourselves we do our very own background checks once in a while even though we really don’t realize that is what we are doing. In short this is a very common practice and is deemed necessary.
Let us talk about the 3 most common background checks that are implemented for 3 different purposes:
This is the check that is conducted to verify the legibility of the claim of your credentials that you have placed on your CV. Some people do try to make their CV more attractive just for a chance for interview but this can actually cost you the job if you happen to be found lying. Some employers would go as far as checking your criminal records but using this against you by denying you of the employment opportunity for that sole reason is unacceptable.
Usual Background Checks - Financial Status

This is something that financial institution does in order to determine on how they are going to hand your loan application. You can expect that your credit report will be requested from either or all 3 major reporting agencies (TransUnion, Equifax and Experian). This way the loan company can get an idea on the items that have been tagged under your social security number over the years. The most important thing that this will indicate is the interest rate (if you get approved) for the loan. A good credit rating can result to thousands of dollars in savings. It is also worth noting that if you have too many inquiries under your name then this could actually bring your score down.
Driving Records

This is the check that is done by the insurance company you are trying to work with for your car insurance. What this determines is pretty much straight forward, it is basically checking out if you are more of a risky client. It is more of a plain practical thinking to charge higher premiums to those who are more likely file a claim. Think of it as an incentive on the other hand if you keep your records clean. As long as you have no points on your license and no unpaid traffic tickets then you are good to go.

Monday, July 8, 2013

Having your driver’s license

Once you land your driver’s license or even if you are aiming for one, you ought to show it some respect because it is not joke acquiring it. It is very useful in our daily lives and you can even use it even when you are not driving as a form of primary identification. Here are details that you ought to look into:


Now this is a long process and needs a decent amount of preparation. The initial paperwork that needs to be completed is pretty much straightforward. All you need are your identification and if you have your SSN with you then everything else should be standard. What you need to worry about are the tests. The vision is nothing to be worried about. The written and driving tests are the ones you ought to be preparing for big time. If you are just gunning for the learner’s permit, then the process is pretty much the same with a regular driver’s license. Some states may even require you to attend some driving or safety classes before you can even proceed. I find these things quite useful.

As mentioned above the written and driving exams are usually where individuals get stuck. It is not really hard but some become too confident until they start taking the exam. The driving test is somewhere you can actually be a bit more confident as long as you have logged on a considerable number of hours behind the wheel. On the other hand the writing test is really something else. There are a lot of practice tests that you can get online. This has been proven more effective rather than just referring to the driver’s manual that the state has given you when you started your application. Do not hesitate to open up an account that would help you prepare for the written test.

Practice, practice, practice


Not because you have acquired your license it means that you no longer have to worry about it. Your license represents your privilege to drive. It means that you would have to care for it so you do not lose that privilege. There are also times wherein you would have to renew your license. These things are pretty much straight forward. The hard part was the acquisition. As long as you are able to provide the necessary documentations then you are good to go whether you are up for renewal or you just need a replacement.

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