Question by applegoogle: What is the meaning of “drug and background screening employer?”?
A job offer says that your employement is contengent on the results of “drug and background screening check.” I dont use drugs so that is fine. What does background screening entails? –It is like finding your credit score?

Best answer:

Answer by Suzy
A background check entails checking to see if you have a criminal record and also checks your credit reports. Poor credit is an indicator of poor dependability, drug usage, propensity to steal, etc.

Give your answer to this question below!

It is now a well known fact that finding good car insurance quotes can be a difficult job. However, it is much easier for women to get a car insurance offer that solves all their car insurance issues. This is because the insurance companies consider women to be less prone to accidents and violations. As a result, the risk factor associated with a female driver is much lower than their male counterparts.

Statistically, it has been seen that women make much less claims than men when it comes to auto insurance. The insurers consider women to be better drivers that men, and provide cheaper rates in their car insurance quotes. It is not that women do not ask for claims. However, most of these claims are for regular maintenance or some minor repairing job.  Recent studies have also revealed that more than 80 % of traffic violation cases involve male drivers.

However, everything has its own exceptions, too. Female drivers with either a poor credit score or a problematic driving record may have to pay an amount similar to the male drivers for her car insurance. These female drivers need to keep certain things in mind to receive cheaper rates in their car insurance quotes.  

One of the best alternatives for them is to drive a small and cheap car. Insuring an expensive car costs more because the repair cost is more for these cars. They must install all safety devices in the car if they want better quotes. It is also worth trying to change the driving pattern because cars will less mileage cost less to insure. Many drivers receive discounts from insurers by driving less.

These female drivers can join in a joint policy with someone who has a decent driving and credit history.

The cost incurred in joint policies is generally less than that of individual ones. Another useful option to receive cheap car insurance quotes is to club the car insurance policy with other policies like life and homeowner’s insurance. While choosing your policy, make sure that it does not include added coverage areas that you may not need at all. Many companies raise the cost by adding fanciful features without looking at the customer’s requirement.  

Finally, there is hardly any better way to find the best car insurance quotes than shopping around. The female drivers in general have much more options than men, even if they have poor credit or driving record. Extensive search will make their job even easier.   
 

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Question by Grace Marie: Should I pay off my credit card balance in order to obtain a higher credit score?
I have a Chase Freedom credit card. I don’t know if I should pay off my whole balance or just pay little by little. If I pay it off immediately will my credit score go up dramatically? Or does it not even matter? Thanks in advance!

Best answer:

Answer by dave l
pay it off

Add your own answer in the comments!

Question by Grace Marie: Should I pay off my credit card balance in order to obtain a higher credit score?
I have a Chase Freedom credit card. I don’t know if I should pay off my whole balance or just pay little by little. If I pay it off immediately will my credit score go up dramatically? Or does it not even matter? Thanks in advance!

Best answer:

Answer by dave l
pay it off

Know better? Leave your own answer in the comments!

Are you looking for best Mortgage Quote? This has been the cry of many people to continue with their mortgages. To shop for a mortgage quote is not an easy job, you need time and it is sometime very tedious. This piece of word is going to give you some steps to consider if you want to get a good mortgage quote. Put in your mind that no matter how tedious the work is but it is good to have the best mortgage quote. When you are giving out money, you may not realize it until it has given you thousands of dollars. To get the best mortgage quote for yourself is to get a lender who will provide it for you. Lenders give you the detail information on the mortgage and they also do the work of deciding your credit risk. For many borrowers getting the best quote would mean the lowest rate.
Before you demand for a mortgage there are several factors that you have to take into consideration before comparing mortgage quotes. You must be aware of the factors that lenders think as important, when they prepare a mortgage quote for you.
The type of mortgage you demand influences the rate and quotes for a mortgage. This is because for example when market rates go down, Adjustable rate Mortgages also goes down while interest rates on the fixed mortgages remain constant.
The Loan term also influences your mortgage quotes. If you choose a loan term for 15 years or 30 years, will determine the mortgage quotes you get. Shorter mortgage loan term entails the borrower to pay larger monthly payments while longer loan term of say 30 years will mean smaller monthly payments.
Down payment is a very influential part in determining a mortgage quote. This factor will lower the interest on your loan. The greater the equity on your home, the lesser the chance of your defaulting on the loan. If you make an interesting first time down payment it makes the lender to trust you.
You credit score is also an important factor that is used to determine a mortgage quote. When applying for mortgage quotes, you must take care that you have a qualifying credit score.
The type of property you are buying also determines the quotations on the Loan. Whether it is a single family residence or multi family residence, a mobile home or a condominium.

You must be honest with your loan application because the information you will hand over to them will be verified later, so why not humbly yourself and give them the right information they need? When you are not honest, the people in charge will send you incomplete or bad information concerning the mortgage quote and the amount may be reduced. Through this, it can affect your sales contracts you have planned for. Present the credit you have to your lender dont tell lies because you want to get more. If your are presently with a mortgage quote that does not give you the best, make sure you change it immediately and go for the best one.
You may seek online mortgage quotes or simply go visit companies in person and seek quotes. The place you are buying the property in, the city or the state you live in, the neighborhood, all of these factors will also be considered while determining your mortgage rates. If you have a good credit score and make a fair amount as down payment, you may be fortunate to get lower quotes compared to others.

Are you looking for best Mortgage Quote? This has been the cry of many people to continue with their mortgages. To shop for a mortgage quote is not an easy job, you need time and it is sometime very tedious. This piece of word is going to give you some steps to consider if you want to get a good mortgage quote. Put in your mind that no matter how tedious the work is but it is good to have the best mortgage quote. When you are giving out money, you may not realize it until it has given you thousands of dollars. To get the best mortgage quote for yourself is to get a lender who will provide it for you. Lenders give you the detail information on the mortgage and they also do the work of deciding your credit risk. For many borrowers getting the best quote would mean the lowest rate.
Before you demand for a mortgage there are several factors that you have to take into consideration before comparing mortgage quotes. You must be aware of the factors that lenders think as important, when they prepare a mortgage quote for you.
The type of mortgage you demand influences the rate and quotes for a mortgage. This is because for example when market rates go down, Adjustable rate Mortgages also goes down while interest rates on the fixed mortgages remain constant.
The Loan term also influences your mortgage quotes. If you choose a loan term for 15 years or 30 years, will determine the mortgage quotes you get. Shorter mortgage loan term entails the borrower to pay larger monthly payments while longer loan term of say 30 years will mean smaller monthly payments.
Down payment is a very influential part in determining a mortgage quote. This factor will lower the interest on your loan. The greater the equity on your home, the lesser the chance of your defaulting on the loan. If you make an interesting first time down payment it makes the lender to trust you.
You credit score is also an important factor that is used to determine a mortgage quote. When applying for mortgage quotes, you must take care that you have a qualifying credit score.
The type of property you are buying also determines the quotations on the Loan. Whether it is a single family residence or multi family residence, a mobile home or a condominium.

You must be honest with your loan application because the information you will hand over to them will be verified later, so why not humbly yourself and give them the right information they need? When you are not honest, the people in charge will send you incomplete or bad information concerning the mortgage quote and the amount may be reduced. Through this, it can affect your sales contracts you have planned for. Present the credit you have to your lender dont tell lies because you want to get more. If your are presently with a mortgage quote that does not give you the best, make sure you change it immediately and go for the best one.
You may seek online mortgage quotes or simply go visit companies in person and seek quotes. The place you are buying the property in, the city or the state you live in, the neighborhood, all of these factors will also be considered while determining your mortgage rates. If you have a good credit score and make a fair amount as down payment, you may be fortunate to get lower quotes compared to others.