just so you know, the government has a free credit report per year
Posted By: MDmt on 2007-04-17
In Reply to: Did anybody get a letter from SPI - hillbillymt
lots of experts say get 1 free credit report from Equifax in January, get 1 free credit report from next biggie 4 months later, and then get 1 free credit report from the other big one 4 months after that - that way you are monitoring all 3 big credit co per year. Forgot the website but do a search - why pay for something the government (and your taxes) gives you for free.
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News report government hiring 1000 people - sm
To work on cybersecurity. I wonder if they will address the use of widespread databases like some (they shall remain nameless lest this post get booted) VR vendors use. I hope so. I think I'm going to ask for all the names and addresses who have access to my medical record from my local hospital and see what they tell me.
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 Costs $10.00 with each agency and can be rescinded at *your* whim.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.
On DQS, how long does it take to see how many lines you get credit for each report? nm
nm
Has anyone filed bankruptcy, had a credit report
I give up :(. I'm going to file bankruptcy but I'm concerned I won't be employable after that with another MTSO (or any other company; they almost all require credit reports these days).
I have had a credit report run for the 2 out of 2 MT jobs I have had over the past 10 years - nm
nm
I "only" make $1.15 per report and have made over $62,000 this year so far. I only work 8 hou
5 days a week and pick up one 4-hour weekend shift a month. It depends on the account, your company, the report length, your expanders, normals, etc. I made $1.43 with Edix before I switched and even though I took a per report loss, I make more money in the past 2 years than ever with Edix. I rarely run out of work, which is a HUGE factor. I know that the company I work for is both praised and condemned on this board, but I am happy at KS.
Free enterprise. You are free to re-educate and retrain, as well!!!!
What's the complaint?!
Why the government doesn't come down on them...sm
Because the government, which was formerly assumed to be the people of the United States, but is now Corporate America only, doesn't have a stake in us, only big business. It is for this same reason that they allow illegal aliens to work all over America without consequnce to the employers who hire them. They make more than they would in their home countries, and a whole lot less than they should in the U.S., but companies want cheap labor and the US Dept. of Labor is there to help them get it. We who sell ourselves in the once respected MT profession for too little wages, at too long hours, without defending our rights to overtime and a fair wage, have just made the sacrifices of so many people who fought and died for those rights, martyrs to a lost cause. Shame on us. I don't work for Food, or Insurance, I work for a decent living wage, and if I can't make it working for one of these Nationial MT Sweat Shops, I quit. I don't blame myself because I know what I am capable of. I have had terrible sound quality, stupid and slow work platforms, unresponsive supervisors, account switching up to 4 in one day, nit-picking QA that I have had to prove wrong (and did) to keep my QA at 100%, and no pay for problems that were their fault. I quit them all. Although I may be Peeing in the wind, I will continue to uphold my standards, and make them uphold the Labor Laws of America. PTC I think we would all be better off it the likes of the poster below who said they did not want overtime because the government just took in taxes would leave the profession. It is hard to believe someone could be so stupid, and if they are truly an MT, then I would be ashamed to be seen with them. I would stake my life on the fact that this poster is a female, because men are not so foolish as to think that after the government takes out their 30% to 40%, the remaining 60-70% isn't worth having. Give me a break!!!
You can get a government grant to pay for
retraining if you lose your job to offshoring. You do not pay grants back.
You can then take a correspondence course from AHIMA for coding for $1500-$2000 plus books, and then take the certification test for around $300. Pay and demand for those jobs are much better, and most of the time they are in-house.
Who do you think controls our government?
this is not a personal attack but I never cease to be amazed at how few Americans CONNECT THE DOTS (all the way anyway)
The corporations call the shots with YOUR Congress/government primarily because AMERICANS are so easily pacified and distracted by the toys these corporations made for that exact purpose.
God-forbid Americans paid (payed?) any real attention to what the government does with THEIR tax dollar and in THEIR good names...
if you think the CORPORATE media is going to educate you on this, well ive got some swamp land you might be interested in...
Our government has mortaged
our souls. Once the amnesty for ILLEGAL aliens is a done deal and it will be...what will we be American-Mexicans? Then along will come China and foreclose on their mortgage, then what?
I never heard about that one. If the government
wants to make it madatory, then they have to make financial contributions.
No, I do not think that they will make it mandatory!
That's so illegal. I wish the government would come down on these companies. nm
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Go to your state government web site
and review the guidelines for collecting unemployment. If you quit for a legitimate reason, some states will cover you. I also wouldn't worry about the reference if it didn't work out. Just put them behind you and find something else. Good luck to you.
Always the government's fault. It has nothing to do with the fact
that 3rd world MTs can work for 3 cpl? You said it yourself. It's corporate greed and they can save a lot of money if they only have to pay ICs 3 cpl even if they didn't get tax cuts. I don't think outsourcing just started when Bush got elected and I don't think it will stop once he's out of office and the directives change.
That is what happens when corporations rule our government. sm
In a global economy, quality of life will have to readjust to the lowest common denominator because there are always third world countries that will do it cheaper.
Welcome to the New World Order that Bush told us about!
Go to your state's government website, look for SM
the link to the Treasury Dept (or whatever the place you pay state tax to is called) and there should be the info you're looking for there.
If our government TAXED them appropriately -
so that the profit margin for offshoring work was LESS than keeping it in the US, instead of REWARDING them by giving them TAX BREAKS for offshoring, it would probably move back onshore again. But they're not gonna do it without being forced to. And the government won't force them to do it unless we let our elected official know that US citizens want their jobs back in this country, and if they don't start working towards that end, then we'll vote them out of THEIR jobs.
No, soon the government will increase the minimum wage
and MTs will be the working poor. Sad business this is.
It's only censorship when the government does it, not private individuals..nm
xxxx
Until OUR government quits making it so lucratime tax wise to outsource...
these companies get great tax breaks to outsource. Google it, it will amaze you.
It still goes back to our government making it lucrative tax wise to outsource
NM
Free sure. There are free on-line fax
services, in fact I used one last week. Most do have limits on how often you can use and how many pages though. You obviously would have to scan pages into a document, but maybe she doesn't have a scanner either.
She could have mailed paperwork back.
my first year I made 16k. Doubled that second year. Going on year 6 with (sm)
two local accounts I earned 23,000.00 and a national I earned 35,400... 58,400 this year. Don't ask me how many hours, though, I really have no idea. I'm pretty motivated. (When people ask me how many hours I work a week I reply as many as it takes I'd say 40-50/week. I am also a fitness instructer and personal trainer, about 5 hours a week or so. Decent money (sometimes under the table!) but mostly I just do it for fun and to be social and wear cute work-out clothes.
that first year was a rough one... but I consider it part of my education.
I'm pretty motivated.
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. 
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.
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.
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.
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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I give you much credit, but what about weekends?
x
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.
Why would a company do a credit check?
They are not loaning you money and you're not purchasing anything on credit are you?
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
x
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.
Last year, there was a letter sent that told us what we earned the previous year. sm
In the past, it has been all or nothing; if you did not hit the lines for full time for the year, you did not get PTO. I talked to my lead this morning about a last-minute vacation and she told me that the yearly packets are going out in a week or so and that the new policy will acrue PTO by the pay period or month. I like that a lot better, but she also made it sound like they are upping the amount of lines needed to acrue PTO. I normally get between 15 and 20,000 lines per pay period, so I am sure that will be fine but I am worried about the periods that have lower volumes, like most of January every year.
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;
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