Why would a company do a credit check?
Posted By: sm on 2006-09-05
In Reply to: Diskwriter information - mommt
They are not loaning you money and you're not purchasing anything on credit are you?
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Does background check include credit check?
"You can check my credit if I can check yours"
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Why Credit Check for MT job?
Does anyone know why an MT service would want to do a Consumer Report on applicants? I can understand a background check, but why do they need to do a credit check? I've never had this come up before.
I have never had to have a credit check
to work. Not all companies do this. Granted some do but they all do not! You'll find another job just hang tight.
credit check
They do the credit check/background check because they are giving you THEIR equipment. Having worked on the inside for a few years, you would be surprised how many transcriptionists have drug problems, arrest records, identity theft, and best of all - sell the equipment for $$!!!
Credit check
I am not sure potential employers are allowed to run a credit check without your authorization. Are you sure you did not sign something authorizing them to do so? I recently filled out a long application for a hospital and then when I got to the end, there was a notification that they run credit checks. I did not finish application because I do not feel they should have access to all my financial information.
credit check
I have nothing to hide either. I have owned a house since I was 26 and my credit is excellent. My original point was I do not think they are legally able to check without your authorization. If they just want to get my credit rating number that is fine, but I do not feel an employer has any business knowing how many credit cards I have, name of my mortgage, etc., when I am sitting at home 1500 miles away from the hospital transcribing. It is not like I will be stealing from the petty cash drawer.
Even if they tell you is ISN'T a credit check
once you give your permission they can check whatever they want by all rights because you signed on the dotted line giving them permission to do a background check.
A credit check really has no bearing on whether you will get a job offer
I had a phone interview with Amphion this week, and was told they would do a credit check and reference check if they decided to offer the job to me. Many places do not bother to tell you, but they do check. You can ask during any interview. I saw a bunch of posts where companies took a long time to call an applicant. It could be that they are checking up on them first before they even call to set up an interview. Most places do it as a formality. As far as I know, a bad credit report has never prevented anyone from getting a job unless they are going to be working at a bank or someplace where large amounts of money are. As far as I am concerned, just ignore it. It has no bearing on whether you will get a job offer or not. Nothing to worry about. 
You HAVE to authorize a credit check with a signature;
nm
Credit check IS the norm. Employers want to how
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link again for MSN Money credit check
didn't work for some reason above.
You dont remember okay credit check but you
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Oops, meant to post under credit check
That really irks me that a company thinks they can run someone's credit without authorization - business like them need to pay through the pocketbook - maybe they will learn a lesson.
I don't mind undergoing credit check if I'm told in advance and I authorize it - but I would DEFINITELY go after a company for the maximum penalties allowed  if it ran one without my consent.
Credit check, FBI check was not for
me. The notion that if you don't pay your bills means your not a responsible person really kills me!!! Lots of people have $$ problems, especially if you are an MT, LOL!!! They are the only company I know that does these checks. Seems a little anal to me!!!
Call the credit card company
and file a claim. Most have a $ limit (has to be x$ or more) but this is your best bet.
And then file a report - you'll have to do some research in your state to find out where.
I am not a lawyer, but I doubt the contract would hold up in court.
PRINT OUT every piece of correspondence you have on your computer in case your computer crashes. Also save it to disc.
A company feels like if you keep your credit in good standing, then
they can expect the same from you. I am in total agreement with a company checking, I have nothing to hide, in fact am very proud of what my credit score is. They don’t care what you owe or how much you owe, the only thing they are looking for is how do you handle your credit. When you are renting now, places check your credit. Smart move on their part.
You'd better check out the Company
Board on them. Doesn't sound like a very good place to work. Posts say they charge you for using their software, etc. and pay using Paypal. Click on Company Board, put Medgarde in search and you'll see what I'm talking about.
Company Check
Has anyone heard of Just Your Type transcriptions? How is the company? Any resources will help.
How can I check this, and can you share the name of the 2nd company? nm
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manta.com - check out your company
nm
My thought too which is why I did a check on the company
and apparently the company does some transcription. I also have a watch on my credit report, etc., so will know if I am a victim of identity theft. I will know where to start looking!!
check company page
Mary/writer has written a post to the company board stating that she had filled the position. She thanked people for their posts. I think she was taken aback by one very mean email she received. I am surprised she didn't get far more. Of course $25 for three hours of work is ridiculously low, but I bet she could have been treated much more nicely. Some of the people who post on here are so unkind. I don't think they would be happy anywhere with any amount of money. How disheartening.
I have a check from an MT Company that is dated 2/16. I have not been able to-sm
cash it because when I call the bank the funds are not available. What recourse do I have?? I really could use the money. I know I can't get blood out of a turnip though so I realize I may be out this $$. Someone told me if I deposit the check and it bounces I can report her to the DA for a bad check. Is there anything I can do just knowing it is no good???? Thanks.
I work IC for a company who pays by check in mail
Never had a bounced check either. I can see why you would worry though. Maybe they will do the switch eventually.
It is an Indian run company. If you'll check the archives they
have been asked about several times the last month or so. There has been nothing good said about them.
I think AllType should check out her BBB profile. I wouldn't want her representing my company
She can dispute owing MTs anything but how do you explain away having unsatifactory business practices with numerous complaints. Apparently, AllType doesn't care. Amazing...
Gosh..does this company start with an F. In any event, you need to double check with your insurance
provider to see the exact date the policy was cancelled. Sometimes, companies have to pay preminums ahead of time. I would just make sure and if they are still taking the money out, you need to send a certified letter telling them to return your money at the point you were paid up and the policy cancelled or reinstate the insurance. Why pay for something your not getting.
Your credit?
Make sure you have their correct business address and check them out with the local better business bureau. They may be scam artists. They may not even be a real company. Who in the heck are they?
credit due you? Since when do I owe YOU anything...sm
:^p ppppffffftttttt! good bye!
you are not *owed* anything by me or anyone else, except maybe a good swift kick in the you know what, which is what YOU want to give everybody else, because they *whine* too much...according to you. so there...ppppffffttttt again. double rasberry!
What about all the credit card
numbers you give them when you order something?
Last year, I tried to order a Dell keyboard. I must have wound up on the phone with someone from India, and before I could give her my credit card number, she insisted on knowing whether it was a personal or business account.
At that point, I told her I didn't feel comfortable giving my information to her, and I hung up. I will never order anything from Dell again because of this. In fact, I've limited my on-line, over-the-phone purchases since this happened.
I agree with you that we should boycott, but maybe we shouldn't limit it to the healthcare industry. 
I'm sure not going to get into a credit score war w/you, BUT....
I can guarantee you that mine is way higher than yours - and it didn't get that way by allowing whomever wanted to look at my credit report to send me a bunch of BS through the mail or call me! I have never heard of the person to whom you referred in your last posting, but I guess there is only one expert or advisor in the world, correct? I will continue to use the freeze on my account and know that I'm protected while you on the other hand..................
Well, it seems to me if credit card
Most of the telephone reps have an accent! So, I'm sure they're sitting their with my information too. I'm sure they don't care about my last colonoscopy or Pap smear, but they sure do have my credit card number, social security number, and address. What can someone do with your medical history? Can they steal your identity with your medical history? Let's be realistic here.
Employers looking at your credit!
That should absolutely be none of their business about our credit report. I can see about criminal investigation, but credit, that is confidentiality and those people can steal your identity in a heartbeat especially when we have never met these people in person. We fax forms constantly to so many different MTSO companies and have no clue what they could do to destroy our credit! I would never allow a company to check out my credit report unless I was applying for a mortgage, buying a car, applying for a credit card, etc. What nerve do these companies have going into more personal detail about our own credit rating. Please...lets be so darn careful about protecting our identity. Very scary world we live in today!!!!!!!!
credit checks
Do you know if they turn people away from employment if they have bad credit.
No credit checks.
Just wanted to clarify - Execuscribe performs criminal background checks. They do not perform credit checks.
That last is an old quote. Can't take credit. :) NM
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Check Monster, CareerBuilder, MedHunters.com. Check with the companies you see listed if they're
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I give you much credit, but what about weekends?
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Transcend does give you credit but I
am going into business for myself anyway this summer. Transcend has whacko management but at least you could see your lines.
Equifax ... and credit reports
All,
My brother is a lender for a national bank. Running credit reports can hurt your credit. Doing credit reports are considered credit applications. Please be very careful...
How about line count credit?
MslaMT, I hope you don't mind, but I have noticed you responding to the eScription messages often, and I have been wanting to post a question to you and/or any other eScription users who would like to reply. I have been on eScription for about 5 years now, and have been very happy with it. In the past 6 months, however, my 2 main accounts have started tallying line count different (lower). I can't get a straight answer as to whether they have stopped paying for the header and footer, or if they are counting the number of characters per line differently or what. Have you had this experience on any of your eScription accounts, where overnight out of nowhere you suddenly get less credit for jobs done/lines typed? This has amounted in about a 27% pay cut, pretty drastic. This is eScription doing this without notice, not the hospital/account or the company I work for. Has anyone else had this experience?
This is not just about MTSO checking credit. It is
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Put a "freeze" on your credit report at all 3....
credit-reporting agencies. That prevents anyone from looking at your credit report without your permission. Costs $10.00 with each agency and can be rescinded at *your* whim.
My son has a horrible credit report and
his work history is just as bad. He was given free credit in the fact when he was young and still at home, I put him on my credit card, excellent and then he married, did not pay bills (even when he and his wife were both making over $1000.00 a week) and their credit is lousy. He never keeps a job for long, quitting because something always wrong on their end with any job.
background & credit checks
When I applied to MQ a little over a year ago I read where they had the right to do a background check on me I hadn't been in a situation in quite some time where it would even be a second thought. I'm nowhere near a cheerleader for MQ (far from it these days), but to my knowledge they never did one. While I would play a libertarian card here, my guess is that they do this in case something arises later. It seems more a CYA thing in case the MT doesn't return their PC, or there is a question about other things (drugs or whatever).
Interestingly, as I wrote the line about an MT not returning MQs PC, I talked to my friend yesterday who actually got fired from the Q over a totally made-up situation, and she still hadn't sent the PC back to them. It's been a good 3 months by now, so go figure. Her only reason was the cost of the boxes, as she's not using it.
Hope this helps. ??
Well, that won't help my credit card debt.
On DQS, how long does it take to see how many lines you get credit for each report? nm
nm
Btw, it is also legal for companies to share credit
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Did not say your credit was not good, I don’t care what your numbers are
I said MINE and only mine is what I care about. I am completely out of debt, only pay monthly bills and it does not matter about yours or anyone elses credit scores to me, only mine but I was just passing on what I had heard, not what I made up. The best thing for anyone to do if they are thinking about freezing their reports is to contact their credit bureaus. As for me, I see no need in doing this at all. What others do, I could care less. My slate is perfectly clear. Others scores, who cares?
Which companies require credit checks?....
Maybe I'm old fashioned, but requiring drug tests, background and credit checks smacks of total disregard for my privacy. It is disrespectful, to say the least, not to mention insulting.
If an employer feels justified to approach me with implied suspicions that I may be a drug addict, criminal or a deadbeat on my way IN the front door, no telling what lies in store for me once I step through it.
I do not bring my personal life to my job and would never consent to what amounts to an administrative strip-search by giving an employer free access to my private information. If they ask for this, it tells me they have nothing to offer me.
I am currently doing a job search and would love to know which companies are doing this, so as not to waste their time or mine.
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