Art of Irreverence

Learning How to Write a Letter of Reference

Have you ever experienced writing a letter of reference and not knowing what to write? Has anyone approached you requesting a letter of reference and you felt you had to say no? Have you ever wondered how to write a letter of reference?

This letter is generally meant to help someone obtain employment. They are also used when applying for college. There are employers who would require this letter from their employees and regard this letter as a character reference. Often, the purpose for which a letter of reference is intended is huge. This is why it is important to learn how to write a letter of reference especially if you seem to have a lot of people requesting this letter from you.

In almost all cases, only people who know you will request this letter from you. You need not wonder how to write a letter of reference. It’s easy but it’s easier to write a letter if you are at least familiar with the person; otherwise, you wouldn’t even know where you would begin. It is advisable to decline the request and promptly suggest that the person seek for it elsewhere. It is also not advisable to write a recommendation letter if you don’t feel like creating one for a particular individual, although you may know of him or her. This kind of letter only works well if you know you can actually recommend the person.

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Learning how to write a letter of reference is not that difficult. It doesn’t even have to be wordy or long. You only need to explain how the person is related or known to you. Is he your neighbor? Is he a co-worker or a business acquaintance? Is he your student? You also need to put down how long you have known the person. This would determine how well you know the person. A letter of recommendation for someone you have known only known for two days is not really credible.

Aside from mentioning the length of time you have known the person, you also need to mention your shared experiences with the person if there are any. This would give the recipient of the letter a clue as to how trustworthy your claims and recommendations are.

Many people do not know how to write a letter of reference because they do not simply know what to say. Basically, you need to mention of three traits that the person requesting the letter possesses. Is the person honest? Is he dependable? Is he the kind of person that you would want to have on your team? What are his skills?

You need to carefully think of the things you have to say before you actually start writing the letter. Make a draft if necessary. Add an anecdote if you feel like it would help. Just make sure that the person will stand out.

Once you have learned how to write a letter of reference, you wouldn’t have difficulty phrasing the words and sentences that will help the person achieve the purpose for which your letter is intended.

Source: ArticlesBase.com

What Is A Credit Reference Agency?

The name ‘credit reference agency’ is a UK term, and can change when you leave the country. Other countries have adopted the following names:

- Credit Bureau

- Fair Credit Reporting

- Consumer Reporting Agency

- CRA

What does a credit reference agency do?

They are a company that provide credit information about individuals upon request by companies in which the individuals have signed permission for the said company to contact and lookup the individual’s background. This credit information usually being history of ability to pay bills, any existing or past existing loans, history of delinquent debts, or currently standing debts. This shows the company whether the requested individual is capable of paying for the company’s service.

Individuals can get hold of their own credit report themselves. There are things a consumer can do to improve their rating, and reviewing a report is the first step toward correcting the problems. Sometimes credit can be declined on the basis of one area of your report, so it is useful to identify that area to aid taking positive steps toward fixing the problem.

How does the credit reference agency work?

A credit reference agency has many partnering 3rd party companies which report all data to the credit reference agency. The agency stores files of all of these people whether they have current requests to report them or not. Some of the companies which contact the credit reference agency are utility companies, loan companies, creditors, courts, collection agencies, and much more. Typically the companies that request the information from the credit reference agency are mortgage companies, lenders, credit card companies, rental companies, or anyone who would need a factual outside source other than the individuals’ word to properly assess whether they are capable of paying or managing credit. Some examples of credit reference agencies are;

- In the UK – Experian, Equifax, and Call Credit, partnering with the Trans Union.

- In the US – Experian Business, Equifax Small Business Financial Exchange, and Dun & Bradstreet.

- In India – Credit Information Bureau Limited, Trans Union, and Dun & Bradstreet.

How does a credit reference agency create a score?

A credit reference agency uses specific methods of mathematics to create an average of the person’s ability to pay their debts and rates the overall score with a single number giving the companies requesting to view the credit score an easy to understand factor to judge the persons’ financial stability and ability to commit to repayments.

Source: ArticlesBase.com