Showing posts with label checks. Show all posts
Showing posts with label checks. Show all posts
Wednesday, March 26, 2014
Do Apartment Credit Checks Hurt Your Credit Score
Lee,
Ive been apartment hunting, but every apartment manager Ive talked to wants to run a credit check before letting me sign a lease. This is making me nervous. I know that your credit score drops when someone checks your credit report and I want a new place but I dont want to hurt my credit. What do I do? Is this normal or some new thing because of the recession?
Maribeth
Dear Maribeth,
This is perfectly normal. Apartment complexes want to make sure that theyre choosing tenants who can be trusted to pay their rent. If you have a credit history that lects numerous unpaid bills and defaulted accounts, youre probably too high a risk for most apartments. Some smaller apartment complexes only pull your scores while others could care less about your scores or your history with your creditors as long as no previous evictions show up on your credit report.
The good news is that not all landlords conduct a hard pull when reviewing your credit. As long as your landlord conducts a soft pull, the inquiry will show up on your credit history but wont hurt your credit score. Before you allow an apartment complex to pull your credit report, ask if the inquiry will be a hard pull or soft pull. If the apartment complex only performs hard pulls, ask your landlord if you can provide the report. You can pull your credit report free once each year. So pull your report, print it out and bring it with you. This prevents your landlord from conducting a hard pull and helps you get the apartment you want.
If your landlord doesnt go for this idea and you really want the apartment, you may have to just bite the bullet and allow a hard pull. In the end, youll only lose about five points and your credit score will recover completely in a few short months. Congrats on your new digs.
Lee
ReadThe RestEntry..
Ive been apartment hunting, but every apartment manager Ive talked to wants to run a credit check before letting me sign a lease. This is making me nervous. I know that your credit score drops when someone checks your credit report and I want a new place but I dont want to hurt my credit. What do I do? Is this normal or some new thing because of the recession?
Maribeth
Dear Maribeth,
This is perfectly normal. Apartment complexes want to make sure that theyre choosing tenants who can be trusted to pay their rent. If you have a credit history that lects numerous unpaid bills and defaulted accounts, youre probably too high a risk for most apartments. Some smaller apartment complexes only pull your scores while others could care less about your scores or your history with your creditors as long as no previous evictions show up on your credit report.
The good news is that not all landlords conduct a hard pull when reviewing your credit. As long as your landlord conducts a soft pull, the inquiry will show up on your credit history but wont hurt your credit score. Before you allow an apartment complex to pull your credit report, ask if the inquiry will be a hard pull or soft pull. If the apartment complex only performs hard pulls, ask your landlord if you can provide the report. You can pull your credit report free once each year. So pull your report, print it out and bring it with you. This prevents your landlord from conducting a hard pull and helps you get the apartment you want.
If your landlord doesnt go for this idea and you really want the apartment, you may have to just bite the bullet and allow a hard pull. In the end, youll only lose about five points and your credit score will recover completely in a few short months. Congrats on your new digs.
Lee
Saturday, January 11, 2014
Business Checks For Cultivating Growth
Sound business practices involve a personal business check up introspect from your operational assumption and future perspectives as well as finalizing in your scheduled priorities. In every business there are things that repeat themselves every day and must occur for the business to be viable.
The fastest way to get a business right from the beginning as well as to revitalize an existing business is to dig to the very core of it. Frequent business checks conducted by looking over your business model and comparing it to the reality of the marketplace will help focus on what to do and concentrate on what works.
Conduct a business check on the entire business process while analyzing the marketplace. Analyze what your competitors are doing and be mindful of new technologies that could affect your profit picture. By referring to your business model on a regular basis youll be able to synthesize a dynamic approach to the slowly changing market landscape.
If one is going to "fly by the seat of your pants" do it with only 3% of the business capital, 10% at the most. The biggest obstacle when a business check up is conducted, especially new start up businesses, is that their capital is scarce and that gambling on projects that furnish additional revenue streams are often meager or non-existent.
A part of business growth will necessitate the hiring of employees. Careful selection is crucial to ones future success. Develop a specific job description for your employee. Be sure each employee is completely aware of the expectations demanded on a daily basis.
Top notch employees are instrumental in developing and building long-term relations with clients and help to develop a loyal repeat customer base. Most business are people businesses and the right personal make a difference. A necessary business checks is that high achieving talented employees need reward and recognition so they are not lured away. The cost and time to develop highly productive employees should not be wasted.
Also check your business plan for execution in growing your footprint. As things fall into place, bid on more projects, hire new managerial talent or promote exceptional talent from within. Simply rinse and repeat once your business model is in place and is profitable as well as operational.
As a business checks receivables, focus must be placed on profit margin. Check wholesale cost for bottom- line pricing by using the same scrutiny on small items such as ordering your custom business check product supply to other key material inventory purchases. Never rely on one supplier entirely; always have a backup plan.
The fastest way to get a business right from the beginning as well as to revitalize an existing business is to dig to the very core of it. Frequent business checks conducted by looking over your business model and comparing it to the reality of the marketplace will help focus on what to do and concentrate on what works.
Conduct a business check on the entire business process while analyzing the marketplace. Analyze what your competitors are doing and be mindful of new technologies that could affect your profit picture. By referring to your business model on a regular basis youll be able to synthesize a dynamic approach to the slowly changing market landscape.
If one is going to "fly by the seat of your pants" do it with only 3% of the business capital, 10% at the most. The biggest obstacle when a business check up is conducted, especially new start up businesses, is that their capital is scarce and that gambling on projects that furnish additional revenue streams are often meager or non-existent.
A part of business growth will necessitate the hiring of employees. Careful selection is crucial to ones future success. Develop a specific job description for your employee. Be sure each employee is completely aware of the expectations demanded on a daily basis.
Top notch employees are instrumental in developing and building long-term relations with clients and help to develop a loyal repeat customer base. Most business are people businesses and the right personal make a difference. A necessary business checks is that high achieving talented employees need reward and recognition so they are not lured away. The cost and time to develop highly productive employees should not be wasted.
Also check your business plan for execution in growing your footprint. As things fall into place, bid on more projects, hire new managerial talent or promote exceptional talent from within. Simply rinse and repeat once your business model is in place and is profitable as well as operational.
As a business checks receivables, focus must be placed on profit margin. Check wholesale cost for bottom- line pricing by using the same scrutiny on small items such as ordering your custom business check product supply to other key material inventory purchases. Never rely on one supplier entirely; always have a backup plan.
About the Author:
Get the lowest national price for top-quality bank checks. Our checks are printed in Portland Maine and are the cut-price best in the nation. Send out a professional image utilizing low cost checks for less than you ever thought you would find at Business Check Printers. Over 25 years in the check printing business.
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