many businesses are doing credit checks before they hire. Some of the reasons are
Posted By: sm on 2006-09-18
In Reply to: For what reason do companies/hospitals want to do credit checks for MTs? nm - Wondering
for example, an employee with a very bad credit rating, carrying a lot of debt might be deemed to be a greater risk for financial problems, such as embezzling. Also, if one cannot handle one's own finances, tends to show that perhaps they can't handle other responsibilities, particularly supervisory duties. Just what I've heard in the business columns...
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Credit checks
I totally agree. One's credit is personal bussiness and should not be a deciding factor of one's employment. I had several jobs fall through because of credit problems that I did not cause. My Identity was stolen some 15 years ago and I also had a child abducted. I have spent the last 10 years searching for both, my child and my life. I can live without my life, however without my girl I am finding each and every passing day harder and harder to live. MY credit score is now in the upper 600's (took 6 years to fix) which is not great but heading in the right way.
So to all you EMPLOYER'S, LET ONE WITHOUT SIN THROW THE FIRST STONE
They have NEVER done credit checks. I have worked
with them for going on 8 years. I know this as fact. They do a background check on anybody but if you knew what you were talking about or if you had applied, you would know what kind of background check this is and it is not a full background check.
For what reason do companies/hospitals want to do credit checks for MTs? nm
nm
Give professional reasons why you deserve it, not personal reasons
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great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
I stayed for many reasons and while those reasons have changed - sm
I loved MT because I was good at it and it came naturally to me. Typing, language, etc. The perks of working from home and being able to raise my family were a huge plus. I stayed because in the hayday of MT you could make really good money really fast (2500 lpd @ $0.15 cpl).
I stayed while my children were young and I could be available for them. I stayed so I could return to school and have that flexible schedule to juggle everything once the kids grew older. I stayed full-time and cut school back to half time so I could take care of my ailing parents and inlaws when the time arose.
I continue to stay because I still need to finish school (3 semesters to go) and unfortunately my DH is ill and needs someone to care for him now. I stay because it is convenient, but I do not plan to stay forever.
I sure miss the big money days, but what money I make now is sufficient enough to pay my bills. It is a means to an end so to speak and it has been a godsend along the way. But I in no way plan to stay at it forever. It served and continues to serve a purpose, but it is no longer what I "love" to do.
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
I would, but they ran out all the smaller businesses here. nm
..
cleaning for businesses
Definitely pays more and there is less grunge to clean. You vacuum, empty trash cans and easy. Probaby depending on the size of the office, good money
friends of mine pay house cleaners once or twice a week, $75 for half a day.. the hispanics do about 2 or three hours and leave to another job.
Ummm, some MT's run their own businesses...
which was exactly the kind of advice she was asking for..
your life may be narrowed down to only MT but some of us do much, much more
They are running businesses SM
and a new MT is costly to train in the way you want. As far as making sure EVERY report is 98% or better, I'm sorry but there is no medium or large company doing that. As long as MTs are paid on production, errors are going to be made. I think you probably need to focus your attention on the work you are doing, don't bother with other people's reports. As for people working more than *they should be,* again, production is the key and the more an MT types, the better their paycheck is and the better the supervisor likes them.
Businesses also have people to
answer to. They hire for when they need people to work. If they cannot accommodate the schedule an individual wants, then that person just needs to look elsewhere.
Did you know that not everyone can get direct deposit for their businesses? sm
There are a lot of factors, and banks will not take on a small company. They want to provide services for bigger companies that have a lot of money going through their accounts.
I deal with one of the biggest banks in the country and they will not let me do direct deposit until we deposit over $100,000 per month or it is not worth it for them.
The smaller banks in my area do not even offer it.
All I can do is get checks out on time and correctly.
Outsourcing affecting other businesses...
My husband's co-worker's wife is losing clients to cheaper labor overseas. She owns an advertising company and would charge $25,000 per client, and now they're paying $600 for the same thing, but not here. She has lost about $100,000, and they are struggling now. These people have tapped into something that is really hurting our country. I'm afraid for our kids' future and what they might not have, nevermind ours. I just thought I'd throw this out there. I know this is nothing new to hear.
? for small in-home businesses
I am looking into adding a 1-800 number to my system, DH thinks that you pay for the minutes you use, is this correct? One of my Transcriptionist travels to my house to work, which is 45 minutes away from her's.
I think it is how businesses is done. Hospitals are always looking for a better deal
Since all transcription services "GUARANTEE" turnaround time with complete accuracy a hospital will try to find the rock bottom rate they can get the work done for. Since they don't deal directly with the Transcriptionist they are going to look to the company that will insure them quality work at the lowest price possible. The service cannot make a profit if they keep reducing their prices to secure/keep a client so they have no choice but reduce compensation. It is such a competitive business so if a service is willing to do it for less but still provide turnaround and quality that is the service that is awarded the account. It just trickles down to the transcriptionist basically taking what is offered because they are not doing the negotiating. I think the trend is keep cpl as low as they can but making speed and quality mandatory. If you want to be considered for employment because of this competitiveness a transcriptionist has to accept this as not a field where wages are rising...if anything they are going down. It baffles me because all in all other health fields, salaries are going UP. With transcription salaries are other going down or the rate is the same as it was 15-20 years ago but the quality standards are much higher...that is the difference - the standard of quality but not the pay. It is the trend of the industry. It is considered such an advantage to work out of your home and be afforded a flexible schedule that of course you are willing to take less plus combine that with the threat of having your job outsourced because "you make too much and others including other countries will work for much lower wages" it seems that lowering cpl will continue as the trend.
I don't want the govt telling businesses how
That is MY privilege to negotiate with my employer!
Too much interference by governments already by forcing minimum wage, etc.
You'll have businesses closing down if you put too much mandatory regulation in the mix. It's a free enterprise, you know.
I got your point. I already knew that. Fact is, most businesses sm
in other areas give benefits. We all know that holidays are given at the discretion of any business. The fact is though that most businesses do offer them off in other areas, hospitals do, and why wouldn't an MTSO want to make her employees more attracted to her service? That is my point. I understand your point. I had a point too. :)
Yes, I would be very angry. Men do not run businesses with emotions - they don't care! nm
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they don't REFUSE to hire new MT's. They REFUSE to hire them at 6-8 cents per line.
mostly because you can now hire experienced MT's at 6-8 cpl. In the near future, you will be able to hire experienced MT's at 5 cpl. Then people will start getting out of this business and new people will stop trying to get in. I had a job opening and asked people to bid what they wanted per line. One very smart young lady was a new grad and bid 3 cpl. I hired her a year and a half ago, she has been terrific! and I was willing to spend my time training her because a) time is money and she saved me money so I could spend my time and b) she had definite potential!. In another six months, she will be the MT with 2 years experience applying for jobs. AND she will get them because she will test well and essentially "bought" her experience. So use Economics 101...
Do you expect businesses to cease operating because the U.S. work force refuses to provide services?
What will be wanted is that the immigrants pay taxes and that there are no outlaws coming and going. This is all about taxes.
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Bad checks
When I worked in a small vet.clinic, we would get bad checks from people who I am sure made a living off of bad checks. If you don't want to be embarrassed, don't write the bad check in the first place. I take great care to maintain my good credit, there is no reason not to be financially responsible for your actions. I have no sympathy for people who think they can get something for nothing and don't have to follow the rules of society like the rest of us. The clinic I worked at wrote off hundreds, if not thousands, of dollars in bad debt every year. In the long run, that is costing me and you more in higher rates because those costs are ultimately passed onto the rest of us. So their name is on a wall, big deal. They are still getting the goods or services for free while the rest of us have to pay.
MQ checks
Well, based on my base rate, I figured I must have transcribed about 600 lines (or 39,000 characters)that they did not pay me for. I want to find out what this is for exactly,what time period it covers, etc. Does this letter, in essence, acknowledge wrongdoing on their part? Should we all run to join one of the numerous law suits taking place right now? (Change that to class action law suits!)
about the checks from MQ...
...mine was for $14 and some odd cents - now the question is, they actually took out all taxes and it comes to $3.63.
Pardon me for not knowing the law, but I always thought you could not take out taxes under a certain dollar amount. Anyone know if that is a law, or at the employer's discretion?
I appreciate the moneys owed; however, there is no 'real' explanation. Since I no longer work for MQ, and the check is only for $3+ dollars, I think I will hold on to it and wait to see what is going on.
Thanks.
MQ Checks
My question regarding checks is. . was there an actual discrepancy and if so, does it also apply to other companies using the same platform (which is owned by MQ) including DSG & Accuscribe of SC. . .should we be expecting "reimbursement" from them as well???
SS pay checks
Do you have direct deposit or do you get your check by mail? My direct deposit was on time and I got my pay stub a few days later. Did you try sending the email to human resources?
pay checks
This is extremely sad.. I am an MTSO but I still transcribe...I always pay my MTs everyother week, even if it means going into a line of credit. Everyone does not do this, though...since you are so hardworking, you should find someone else who would pay you on time..
checks?
Well I don't have that problem as I stated to a few of the other comments. I do not use "checks".
How do you pay if not checks??
Even with direct deposit there is a check statement that shows what that person made, so that should be proof. At least with my direct deposits I get a statement showing what was deposited. Anyone can make out a 1099 and that is not proof that you paid that person. You have to have some type of paper path that shows this person was paid. If she says that she did not get it, then you need to go back to your bank and ask where it went. Even an electronic check or transfer shows in your statement. Am not sure what kind of business you are running but without a paper trail, the IRS would love you.
Yes the people on DQS will get checks only.
:
These MQ checks must be a joke.
 According to my taxes last year my salary, which had remained at a very stable figure for the past 6-7 years, suddenly decreased almost $11,000 dollars in 2004 after beginning DQS at the beginning of the year. There is no way in hell that this check for $140 bucks is going to make me happy. How convenient that there are no dates on the letter indicating what the time frame is on this "incorrect compensation." Love the general "Dear Medical Transcriptionist" - cannot even humanize us by putting our name. Such jerks. I am furious! 
MQ checks & lawsuit
Let's not forget, the checks can not be 100% reimbursement for all lines jipped out of, they only cover an error on DEP, a LOT of the issues with the atty's go back to 1998, before DEP was even a thought process, so it really can not be for the cheated lines totally.
I go by who signs my checks...*l*..nm
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Are your checks being mailed? If so,
check the date it was postmarked. Check with your company and see when they mail your checks, then count the days it took to receive it. If it is taking too long, complain to the Post Office!!!
We are having a problem with our checks. My husband's checks get mailed on a Friday, but he may not receive them until a week or later, if he receives them at all!!! As of today, he is missing another check that was mailed 12/31. Four checks have been lost in the mail since they put the new rates into effect. Of course, his company stops payment on them, costing them more money, and then re-issues another check. He used to get them a day or 2 after they were mailed before the new rates. This puts us in a bind, too. His checks come from 45 miles away.
I finally went on line and placed 2 complaints, as I was missing 2 checks during the past few months, too. Mine come from 11 miles away.All our mail goes to a central post office, 50 miles away and that is one of my complaints I placed. Three days for a letter to go from my home town to my home town is ridiculous.
So, it may not be your company's fault, but the good ole post office.
background checks
If the company uses the information found in background check so verify identity, its okay, but if they do it to check for convictions of certain crimes, I think they should not use crimes that were not computer-related against individuals. If you got arrested for shoplifting when you were a teenages, I dont think it should be used against you 30 years later. Is there anyone out there who has ever gotten let go because of information on thier background check that involved a conviction??
Are they separate checks (sm)
totalling 12,000+. You'd have to check the court system, but that may actually be over the amount for small claims court and you'd have to go to the next level. Has she made ANY attempt to pay any of it? Do you have any "demands" for payment in writing? If not, I think I'd get that in the mail today. You need to establish a papertrail. Formal demand asking for payment in a set period of time by cash or money order. Send it cert mail with return receipt.
bounced checks
What steps would you take if you had three bounced pay checks?
They don't issue checks.
They just said that they do not issue checks. They said that other MTs are paid with the prepaid visa cards and everything works out for them ok. I asked for names of these MTs but they did not give them to me. That is why I asked on here if anyone knew anything about these cards. I don't trust giving out my bank account numbers for direct deposit or I would do that.
talked to an atty about the MQ checks
Nope, go ahead and cash them as I already have. If they had anything to do with ANY kind of settlement, it would clearly have to say so. It just says adjustment, period. He also said that since the class actions go over many different platforms dating back before the days of DQS, no way it could be a settlement.
Go shopping he told me, it does not state anywhere it's a settelment. He says just like any other legal document, "by signing the below or cashing this, you are giving up your right to yada yada yada.
I agree. my last 3 checks were shorted
and I'm pretty much screwed because I can't afford to take a job outside the home right now because I can't afford all day daycare pluse the clothes I'd have to buy to have an office job not to mention everything else that goes along with it. I've been looking for something that isn't MT because I'm sick of being screwed and it's only getting worse.
They are. Many of them get social security checks for
mental illness or other issues. Some of them spend their social security checks the day they get them on booze and gambling. Some people CHOOSE to be homeless, if you can believe that. There are programs out there for them if they apply. I got to know the homeless population of our city pretty well at one of my former job. I could tell you some stories about some of those characters. One guy is homeless, but he could have his house and bank account, his military retirement, and his social security. Instead, he pushes a cart around town and sleeps on park benches. One woman runs down the street in nothing but polyester pants pulled up to her armpits in the bitter cold of winter. She has shoes and a coat, plus welfare and social security benefits.
I'm glad you don't make out my checks! It's
$12.00 a day, $1.50 an hour.
Show the checks were cashed.
(From a different company )I got receipts showing I was paid too. How convenient that the check was "lost" in the mail.
Need checks, not labor denial
The labor board only DENIED because it DOES NOT deal with this and not because she was INNOCENT. So I would want to see cancelled checks, front and back, signed and see what account they were deposited into for me to consider her innocent. Easy enough to prove. But if she proves that the labor board denied the claim that does nothing it just states that we don't deal with IC's and does not clear her at all. It is very simple, get copies of the checks front and back and then I guess you could ask the person who was supposedly have been paid to produce that month's bank statement showing that it either did not did not get deposited there. All the time she has spent arguing and defending herself, she could have proven herself innocent by now. This is one word against the other and one has to be right and they need to produce the proof.
Can you view your cancelled checks on-line?
If your cancelled check posts showing correct amount you are okay and it was obviously a scam, but worth contacting your bank and your note holder for car loan to verify.
what I meant was that I have had small checks before, and have been told...
they do not take out the taxes on such a small amount 'earned' as you say, which was only $14.
my boyfriend got a check for under $30 for something or other, and was told they would not take the taxes out because they thought he could use the money. we all get taxed at the end of the year...that I do know...whether it comes out in the paycheck or not. MQ still reports how much one earns, I just do not understand why they had to take them out on such a small amount...
does anyone know what I mean? why would they take it out on a check for $14, and is that a law or up to them to do it?
thank you.
Background checks on MTs fro third world countries?? LoL. Are you serious? nm
:+
job checks - 25% into "their" account and 75% into college.
She was horrified to discover FICA (LOL) but thrilled to see her college account blossoming. Just works for us. No allowance and they have a set group of weekly chores to do.
JC and AAMT. They dont sign my checks.
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