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Credit history verification before joining new employer - cibil reduced to 680, is this good score or any problem?Hi i m selected with it company in bangalore and they are also checking/verifying credit history before my joining but my cibil score is showing 680 at this time because a few months ago i skipped to pay credit cards bills and due to this my reduced to 680 is this good score or any problem in joining? today i have paid all credit card bills and everything is cleared credit card utilization is zero now but as i know it will take few months to reflect in cibil s score. please suggest. Waiting for icici bank offer letterHi a month back i appeared for an interview at bank for relationship manager etrg group through a reputed consultancy firm in mumbai. the consultant put me a mail confirming that i have been selected and asked for my pan card and last 3 month salary slip. its over a month now and the consultancy have not heard anything from bank hr team. they told me that releases the offer letter after checking the report and back ground verification.my score is very good and backgrounds too are very clean. whenever i follow with the consultant they say i should accept if i have any offer in hand because there is no confirm timeline within which i can get the offer letter. it may take a week a month or even i may not get the offer letter. i am just trying to understand if it really takes so long to release the offer letter or should i take it as a lost opportunity. Appraisal scoreHi i want to know that see the or the an gets 3.24 out of 5 as a and gets 3.9 out of 5on a 5 is 3.24 as a is a good for or Hr score card and balanced score cardHi... folks can anybody tell me.... is there any difference between hr score card and balance score card? if yes please explain me... thanks & regards vishnu... Balance score cardHello iam meghana here...iam a student specializing in am doing a project on balance score card...can you please help in knowing what is exactly a balance score card and how it is implemented in your organization? and if i can get any contacts of organizations which are based in mumbai...who are using balance score card..and to whom i can interview.