When should employers reassess the assessment methods they use in hiring as well as what are the advantages and disadvantages of both structured and unstructured interviews as well as which would you prefer to use and why? Why go to all the trouble of sometimes costly and time-consuming assessments when there are no guarantees they will result in a successful hire and what do you feel are the least effective external assessment methods as well as do you think that it is appropriate for employers to research applicants' backgrounds; what about credit histories? Substantiate your answer.