€‹ is a publication that provides unbiased ratings and recommendations for a host of products and services

Consumer report is a publication that provides unbiased ratings and recommendations for a host of products and services.
This report contains information about the pros and cons of a particular product or service.
Evaluating individuals' experiences with a product or service results in this type of report.

The advantage of administering personality tests on employees is that it will allow the employer to know the mindset and personality of the employee. this will allow the employer to at least have an idea as to how the employee works and how his attitude in the workplace. the disadvantage is that it may make the employee a little anxious as to whether he would meet the personality requirements of the employer and whether he would be able to retain the job or not. 

Having a long credit that will be corrected is better that a short credit that is clear is simply because with long credit history, a prospective lender can see how you have operated your credit facility over a considerable period. nobody's credit history is perfect - everyone has at least 1 or 2 lapses on their record. have short history of your credit doesn't show patterns or trends of persistent late payments.