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 Subject :Re: Re: Bad Credit, No Job..
10-24-2009 17:26:58 
to_tell_the_truth
Junior
Joined: 2009-10-24 17:19:29
Posts: 1
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Personally, I don't understand what your credit has to do with your ability to do a job.

then you need to read and give this the widest possible dissemination-email your friends, distribute on forums you frequent (or plan to frequent :)) telephone, use the snail mail-

and for heaven's sake, don't give your social security number to anyone else-no matter what they tell you-you can tell them that they are asking for a little jail time because apparently according to the SSN website, it's illegal to ask and it has always been illegal to ask.  businesses with whom you are not employed have no right to request your number FOR ANYTHING!  It's right here in black and white!

This comes from "the employers guidance", side of the website so no, it's not out there where people can be aware of it
 
http://www.ssa.gov/employer/ssnvshandbk/ssnvs_bso.htm
The Social Security Number Verification Service (SSNVS)
 
WHAT IS SSNVS AND BSO?
The Social Security Number Verification Service (SSNVS) is one of the services offered by Social Security Administration's (SSA) Business Services Online (BSO). It allows registered users (employers and certain third-party submitters) to verify the names and Social Security Numbers (SSNs) of employees against SSA records.
With SSNVS, you may:
Verify up to 10 names and SSNs online and receive immediate results. There is no limit to the number of times the SSN Verification web page may be used within a session.
Upload electronic files of up to 250,000 names and SSNs and usually receive results the next government business day.
In addition to SSNVS, the BSO suite consists of Registration Services and Employer Services. Registration Services offer a User Identification Number (User ID) assignment, password selection and various registration maintenance functions. Employer Services offer W-2 file upload, W-2 and W-2c online key-in functions (no special software or forms required) and the ability to track files and view processing results and notices.
THE IMPORTANCE OF CORRECT SSNs
SSA can post employee wages correctly only when employers and submitters report employee wages under the correct name and SSN. Recording names and SSNs correctly is the key to successful processing of annual wage reports. It saves the employer and the administration processing costs and allows SSA to properly credit your employees' earnings record. Credits to your employees' earnings record are important in determining their future eligibility and payment of SSA's retirement, disability and survivor benefits.
PROPER USE OF SSNVS
SSNVS should only be used for the purpose for which it is intended.
SSA will verify SSNs and names solely to ensure that the records of current or former employees are correct for the purpose of completing Internal Revenue Service (IRS) Form W-2 (Wage and Tax Statement).
It is illegal to use the service to verify SSNs of potential new hires or contractors or in the preparation of tax returns.
It is appropriate to use SSNVS only once an official employer-employee relationship has been established. SSA defines the existence of an employer-employee relationship as when one of the following has occurred:
The employer’s offer of employment and acceptance by the person being hired (even though he/she hasn’t started working); and/or
The future employee’s completion of the paperwork to establish the payroll record.
Company policy concerning the use of SSNVS should be applied consistently to all workers; for example:
If used for newly hired workers, verify information on all newly hired workers.
If used to verify information on other workers, verify the information for all other workers.
Third-party use of SSNVS is strictly limited to organizations that contract with employers to either handle the wage reporting responsibilities or perform an administrative function directly related to annual wage reporting responsibilities of hired employees. It is suggested that contracts between the third-party and the employer stipulate that the functions being performed by the third-party contractor adhere to the proper use of SSNVS.
It is not proper to use SSNVS for non-wage reporting purposes such as identity, credit checks, mortgage applications, etc.
Anyone who knowingly and willfully uses SSNVS to request or obtain information from SSA under false pretenses violates Federal law and may be punished by a fine, imprisonment or both.
SSA may ban you and/or the company you represent from the use of SSNVS if SSA determines there has been misuse of the service.
SSA returns all names and SSNs submitted. If the name and SSN does not match our records, SSA advises the following:
This response does not imply that you or your employee intentionally provided incorrect information about the employee's name or SSN.
This response does not make any statement about your employee's immigration status.
This response is not a basis, in and of itself, to take any adverse action against the employee, such as laying off, suspending, firing or discriminating against the employee.
NOTE: If you rely only on the verification information SSA provides to justify adverse action against a worker, you may violate State or Federal law and be subject to legal consequences.

THIRD-PARTY VERIFICATIONS
If an employer has hired you to handle his/her company's annual wage reporting responsibilities, a fee-based approach can be used when offering SSNVS to your clients. However, caution should be taken. SSA offers services such as SSNVS free of charge. Some companies in the private sector offer those same services for a fee and develop misleading brochures and advertisements. To discourage the use of misleading mailings about Social Security and Medicare, Congress enacted specific prohibitions in Section 312 of the Social Security Independence and Program Improvements Act of 1994 that broadened the existing deterrents. The prohibitions are listed in Title 42 of the U.S. Code, Section 1320b-10. To ensure that you conform to these legal requirements, be careful to adhere to the following:
Be cautious not to suggest to your clients that this service is only available through you,
Advise all customers that this service is available at no cost from SSA and that this service is not a unique or exclusive arrangement between SSA and your company, and
Be sure not to give any impression when describing your SSN verification service to your clients that your company has an arrangement that allows direct access to SSA databases, program software, etc.
NEW USERS
You must complete BSO registration. Once registered, you will need to request SSNVS. You will not be able to complete the online SSNVS request process if:
Your current employer did not file a Form W-2 for you with SSA. (Note: If you were hired in the last 18 months by your current employer, it is possible that SSA's records do not yet reflect your employment.), or


You are currently self-employed but did not submit self-employment earnings to the IRS in the last taxable year.
If either of the above statements applies to you, begin the online registration process as described in the Registration section of this handbook. BSO will display a message asking you to fax information to (570) 706-7874.
There are several steps that must be completed before you can use SSNVS. You must:
Register for BSO
Login to BSO
Request access to SSNVS
Enter employer information
Receive an Activation Code (mailed to your employer)
Login to BSO
Activate access
Every BSO user must register separately. You may not register on behalf of another person.

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 Subject :Re: Bad Credit, No Job..
07-07-2009 16:16:45 
Merric
Junior
Joined: 2009-03-12 18:58:15
Posts: 1
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Personally, I don't understand what your credit has to do with your ability to do a job.
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 Subject :Re: Bad Credit, No Job..
07-05-2009 01:37:45 
admin
Junior
Joined: 2009-01-31 08:35:55
Posts: 13
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You're absolutely right!  I would gamble to say that all employers do a security and financial or credit check on any potential employees. That is why it's important to be honest with the people you are interviewing with. If you can give fair reasons as to why your credit haywire then you lesson the chance of it being an obstacle to you being hired.

 Besides your credit and security or law enforcement record, your Google record could make a huge difference. Keep in mind that anything you post is free and public. Also, just because you think you've deleted something doesn't mean it's gone. If it was on the web consider it always there.

 Just my two cents....Good luck on your job search!

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 Subject :Bad Credit, No Job..
07-03-2009 14:51:34 
garystan
Junior
Joined: 2009-06-02 09:16:30
Posts: 2
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                For a while, I was starting to receive contacts.....via e-mail.....about the positions I

             had applied for.    Now, that has stopped.     And I kow why.              Bad Credit.

             As soon as the  prospective employers find out about my bad credit, they don't even

             reply to the application.

                  And the way it's going in America.....ALL employers check credit.  Checking credit for

 from Custodial position right on up to Vice President of Company X,  and everything in between.

                 And, within the application, is a page that requires your signature in order to have the

application processed.   It's the Credit Check  form.     It give the prospective employer the right to

check your credit.   But, unfortunately,  if you don't sign it...........the application isn't worth anything.

                So......it's gotten to the point that I am not able to work within the United States, 

because of bad credit.

               But, the thing is...........the reason I have this bad credit is due to severe illnesses.   I had a 

few blood clots and an atrial fibrilation.   Which, in turn, caused me to fall behind in my bills.   Which, in

turn, damaged my credit.       MInd you....I'm not claiming to be a  "victim".    No............

               It's jsut that the creditors insisted on having the "bills" paid in full.    They wouldn't accept

payments. (I should've shoved the payments down their throats.....or they don't get anything!!!!).

But, I was  "pushy" enough.    That's my fault.

               But, like I said.....now, it's gotten to the point that I can no longer work in the  

United States, due to bad credit.

             Unfortunately,  I need a job to be able to force those payments on the creditors.

              But, one can't have a job with bad credit......and one can't repair their bad credit without

a job.      One feeds off the other.

                                                                                                          garystan

                            

 

 

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