You pretty well start out everywhere with 10 days paid vacation time . You get more after time on the job . it ' s incentive to stay there . I get 80 hours a year standard , but then my unused vacation from the previous year rolls over four weeks if I don ' t use any , but it drops at the end of that year , remainder from the current year rolls over . let me know if that doesn ' t make sense and I ' ll explain . On top of that I get three floating holidays per year , plus the standard federal holidays , 4 hours of sick time per month caps at 160 hours , plus another 40 hours of unpaid time off . <| sep |> I was always under the assumption that there was only one FICO score , but found out differently . A friend is a mortgage broker and they use something entirely different than the consumer credit industry . They now have something called trending fico which is making it harder for people to get mortgages . It lowers your credit score by about 40 points if you don ' t pay off every credit card every month .