Weekly business rail, with job-seeker tips, BBB advice on flying and more.

Tip of the Week

If you're applying for a job, it's likely that your potential employer will want to check your credit. More employers than ever are checking job applicants' credit history. Sixty percent of employers now check applicants' credit reports, according to a report in the Washington Times. That percentage has climbed nearly 20 percent in the past five years, according to the report. As you're reading want ads and scouring job websites, keep this information in mind:

- Obtaining a report and score, such as the PLUS score offered by CreditReport.com, can help you understand your credit status before a potential employer asks to check your credit. While such a score and report are not necessarily the ones a potential employer will obtain, they can give you a snapshot of your credit status.

- The basics of credit management remain the same, no matter what your situation: pay bills on time, maintain a good ratio of credit used to available credit, show a long history of timely payment and be smart about the types of credit you use (loans, credit cards, etc.).

- Employers will not be able to check your credit until you give your consent, in writing, for them to do so. While you may expect that an employer would check your credit if you're applying for a job in the financial services industry or another industry in which you'll be directly working with money, be aware that a broad spectrum of employers are now checking credit for applicants at all job levels - even some you may not expect.

- If your credit history has some blemishes, you may want to consider adding a personal statement of explanation to your credit report - the major credit bureaus all allow you to do this. While credit experts agree that such statements usually have little impact on potential lenders, an employer may view your explanation differently.

- ARA

BBB Watch

The Better Business Bureau advises vacationers to plan ahead when traveling this summer to ensure safety and timeliness. 

"To avoid troubles in the sky, it's important for travelers to be aware of their flight options," said Steve J. Bernas of the Better Business Bureau. "With the burden and chaos that can come from a delayed or canceled flight, it's important for travelers to plan ahead."

The BBB recommends the following to travelers when booking and securing flights this summer:

- The early bird gets the flight. When booking your flight, remember that an early departure time may be less likely to be delayed than a later flight, due in part to the "ripple" effects of delays throughout the day. Also, if an early flight does get delayed or canceled, you may have more rerouting options. If you book the last flight of the day and it is canceled, you could get stuck overnight.

- Know your rights with a canceled flight. If your flight is canceled, most airlines will rebook you, at no charge, on their next flight where a seat is available. If this involves a significant delay, find out if another carrier has seats and ask the first airline to endorse your ticket to that carrier. Unfortunately, compensation is required by law only when you are "bumped" from a flight that is oversold. Airlines may refuse to pay passengers for financial losses resulting from a delayed flight.

- Secure your payment. Consider paying by credit card, which provides certain protections under Federal credit regulations.

For more travel tips, visit www.bbb.org.

The List

According to DailyFinance, here are the most costly hurricanes in U.S. history:

1. Hurricane Katrina (2005)
2. Hurricane Andrew (2002)
3. Hurricane Wilma (2005)
4. Hurricane Ike (2008)
5. Hurricane Charley (2004)

Number to Know

0.2: Percent that sales fell in May, according to the Commerce Department. That’s the first sales drop in almost a year, but economists were expecting worse numbers.

Tech Talk

Video game sales fell in May to the lowest numbers since late 2006, according to NPD Group. Sales in May were $743 million.

GateHouse News Service