- 1 How to Verify Employment History and do a Work History Check
- 2 Why Are Employers Checking Job Applicants’ Credit Histories?
- 3 How to get a Job with Bad Credit History: 10 Best Tips
- 4 Online Jobs Scam – How to Find if a Website Provides Fake Online Job
How to Verify Employment History and do a Work History Check
Detailed explanation about various types of employment history checking.
Because we're becoming a country that is more reliant on confirming information as opposed to taking someone's word for what they say, a lot of information is now online and it's also public access. That means that if you need to verify employment for a person who's working for you, you can readily pull up the information and know whether or not they're being honest with you.
Sometimes people want to hide a conviction, or criminal past and they don't want to go into details because they need the job and they need money, but they still have to respect that as an employer, when you ask them for information you want them to be honest because it will help you to know whether or not they're going to be honest when they work for you.
To find out information on an employee, you can instantly do a search based on the first and last name. If you have a middle name, that can help as well, and you may also want to include things like the address where they live(d), or even the town where they grew up in. You can ask them for that and most people are generally honest about where they lived.
Narrowing down the employment history and all available names
When you go to a website such as a free public records search site or a site like Free Public Records resources you will quickly be able to see how many people have that same name and you can narrow down your search based on the city or town that the person gave you. If you don't find that, you may have to try to include the middle name to see if it helps you to pinpoint exactly who they are and available records for that particular person.
Employment Background searches
Your next step will be to look for information that can help you see their background check information. That means that we're going to look for the particular dates where they may have been employed. Let's say for example if they said that for the past 5 years they were working for one particular company, you want to look for dates around those particular dates and time frames to see whether or not the person they have been employed, or if they were arrested.
For example if you see that they were in the detention center or a correctional facility for 3 years, that will explain the huge time discrepancy in their history and then you know that obviously they could not have worked for another company for 5 years if they were prison for 3 years!
Confirming your suspicions:
Sometimes this information will be something that you have to verify further because you want to ensure that you're dealing with the right person, so you may then want to access their full arrest record so you can confirm who they are, and then this can let you know whether or not this is your employee. When you do your records search, you will be able to view all criminal details, their mug shot, physical description, etc., and these details can further assist you.
Another way that you can do an employment verification, is when you pull up their record information, you may want to call and ask. You can call the different employers that they may have had and just ask whether or not they worked there. This information will be online and if the person was lying to you, you may see company information that doesn't match what they put on their resume. Your suspicions may warrant a phone call because they could be trying to cover up a lie they don't want to be caught in like if they were fired from a company for bad behavior.
You can go online and do a free employment search and this will give you a general description of the jobs that they may have had in the past. Keep in mind that some of this information is not reliable unless you have the full information on the person such as their first and last name, their middle name and a town where they live(d) in, that way you can verify and confirm that it's them.
For example, if their name is Lisa Smith, you may find thousands of Lisa Smiths so you cannot assume that the first one that you see is going to be your particular employee. Even if you type in Lisa L Smith, there may still be thousands with the same name. That's why you want to add in an address, city or town and this can help you to further narrow it down.
Employment, work history and job verification sites
Additionally, there are other websites that can help you to do an employment verification so that you can confirm things such as citizenship and immigration. You can go to sites like uscis.gov, which is a free way to look up a person to verify employment and citizenship for your workers and staff.
Other sites that are free and can help to confirm citizenship for employees include dhs.gov. This is a site that can verify employment eligibility if you are searching for someone because this is through the Department of Homeland Security and this can help to ensure that the person has their citizenship in the United States.
Another top website that you can use for and free employment verification is publicrecordsreviews.com, where you can actually type in the person's first and last name and their address and you can search this site. You can also try through sites like Instant Checkmate which can quickly tell you if a person has a criminal past, or you can try through sites like US People Records which helps to quickly find people you might be looking for. Another site to check out is Been Verified for employee background checks and also US Background Checks, or Spy Fly to get the records that you need.
When you search through public records, the information that is instantly accessible for you includes all of this because the information is publicly viewable for anyone. Even if you want to do an employment search for a person, this can help you to understand the
the person, their background and whether or not they are being honest with you.
Sometimes people go online and they find out that employees who they are the closest to and think are the most reliable are the ones that has the most convictions. That's why you want to check to ensure ahead of time that you're working with people who are honest, by confirming information yourself and not just taking their word for it.
When you're ready to do your records search, be sure to go to Free Public Records resources and this can help you to instantly access the information you need.
Why Are Employers Checking Job Applicants’ Credit Histories?
There’s no evidence that credit reports reveal an applicant’s competence but plenty of evidence that shows they invade privacy and institutionalize discrimination.
Job seekers gather at a career fair in Los Angeles. (AP Photo/Damian Dovarganes)
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It’s the classic Catch-22 of the doomed job search: How do you get a job? You need experience. And how do you get experience? Get a job. But for many, the unemployment cycle gets further twisted when it intersects with the debt cycle. When prospective employers run credit checks, a bad report becomes a financial scarlet letter.
New York City policymakers are pushing a landmark bill that could free workers from the chains of bad credit history—pernicious records of old debt or loan defaults. The new City Council legislation would impose a general “ban on personal credit checks by all employers, employment agencies and licensing agencies.” The measure aims to comprehensively shield workers from what economic justice advocates see as an arbitrary and inherently discriminatory screening process.
Those most affected by “bad credit” histories are typically victims of circumstance, not con artists. They’re often people who’ve fallen on hard times, like Alfred Carpenter, who recalled in an interview with the advocacy group New Economy Project (NEP) how a bad knee injury, combined with a lack of health insurance, drove him into bankruptcy:
I started noticing, everywhere I went, I suddenly was not good enough to work there. Then I realized it was the bankruptcy. I went to [look for jobs at] all these nice stores where they loved me…. But the bankruptcy just killed me. I was on welfare for awhile—there9rsquo;s no reason a guy like me should be on welfare, a strong, able guy who’s a very good worker—but basically it was a blacklist.
But don’t credit checks reveal useful background information about how trustworthy a job-seeker is, especially if they are seeking a job in, say, sales or security? Actually, there’s no evidence that credit reports correlate with a prospective employee’s competence or propensity to commit financial crime, and plenty of evidence that they invade privacy and institutionalize discrimination.
The credit history check, say labor advocates, is not an effective evaluation tool but an arbitrary measurement that tracks people into a self-fulfilling prophecy of structural disadvantage. Many people’s credit problems are not their fault, but the result of the joblessness and turmoil of the recession. Meanwhile, these checks are routinely used by big retailers when vetting applicants for low-wage jobs, which also feed into social inequality in the communities beset with cyclical debt and poverty.
According to survey data analyzed by Demos, “Households that include someone without health coverage are more than twice as likely to report that their credit score has declined a lot in the past three years.” Medical debt is hardly a measure of one’s character—unless you want to blame poor people for their poor health.
Sometimes the credit stain comes from heavy student loan debt. This not only penalizes those trying to invest in the promise of higher education, but also disproportionately burdens students of color, particularly amid the steadily rising cost of college.
“These credit reports are really a proxy for race,” says NEP Co-Director Sarah Ludwig. Since one’s credit history is colored by structural social deficits, she adds, “the credit information is a reflection back of a financial system that is itself inequitable. So you use that to deny people jobs, and you’re just perpetuating inequality.”
Originally designed for loan applications, the credit-checking industry, dominated by three mammoth financial firms Equifax, Experian and Transunion, has expanded in recent years to shape various arenas of economic life, from jobs to housing to insurance plans.
Botched credit forecloses economic opportunity on a massive scale. According to Demos, about 10 percent of unemployed people surveyed “have been informed that they would not be hired…because of the information in their credit report.” And yes, paradoxically, experiencing extended unemployment is also linked to poor credit, which in turn worsens employment prospects.
Often the information in a credit report is not just irrelevant but even inaccurate. Surveys analyzed by state Public Interest Research Groups show that an estimated 70 percent of credit reports “contained either serious errors or other mistakes,” such as incomplete loan records.
In a testimony for NEP, former Marine Emmet Pinkston said that an erroneous credit report led to a rejection from a job with the Transportation Security Administration, which he should have qualified for, and derailed his long-term job prospects. “One by one,” he recalled, “other jobs started to say: ‘Look, you have to do something about your credit.’ So I found myself stuck at a very low income job. The credit entry was inaccurate, it was wrong to begin with.”
The racial trendlines reveal the role of credit in promoting self-justifying segregation. Demos reports that “sixty-five percent of white households in our sample describe their credit scores as good or excellent,” compared with 44 percent of black households. Black families are more likely to report “fair or poor” credit history. In sum, credit checks are a measure of the unfairness of the economy, rather than the trustworthiness of an individual.
But some communities have acted to curb employment credit checks. As of 2013, ten states, including California, Illinois and Connecticut, have passed laws limiting the use of credit checks. Last year, Senator Elizabeth Warren introduced parallel federal legislation in Congress.
The New York bill would be one of the most comprehensive of its kind, broadly barring all employers and agencies from using credit history for employment purposes under the city’s human rights law. The only exemption would be jobs explicitly subject to credit checks under state or federal law.
In a statement announcing the bill, Council Member I. Daneek Miller of Queens argued: “Rather than accept this discrimination, which occurs primarily in communities of color, we should work to ensure that all [job applicants] have an equal opportunity in the hiring process.”
By decisively preventing poor credit from tainting the hiring process, NEP hopes to turn the tables of the financial gauntlet by demanding accountability from the credit industry’s gatekeepers. “We don’t have illusions that ending employment credit checks solves all problems,” says Ludwig, “but we do believe that it…will go a long way to eliminate this completely unjustifiable barrier to jobs.”
Since there’s no reason for a spotty financial past to cloud a person’s economic future, a simple block on credit checks might give countless workers a chance to prove their real worth—by starting with the clean slate they deserve.
Michelle Chen Twitter Michelle Chen is a contributing writer for The Nation.
How to get a Job with Bad Credit History: 10 Best Tips
The herded labor market has made job search an unmanageable task. Hirers do not only inspect resumes these days, but also on your credit status. So it would be advisable to take a look at your credit before scouring for a job. Latest surveys have also mentioned that nearly two-thirds of the companies accomplish credit checks on their present employees and hires. Personal finance expert, Liz Weston also mentions that credit checks have been made a mundane check amongst employers. The worthy news is that though you possess a crummy credit, well paid jobs can be found. When you are able to fess up your past credit, paradoxically chances are available for a better job.
Pull in a note to utter a complete outline about your credit status and its grounds for bankruptcy before the employees could operate a credit check. The occurrences which have been a key reason for your credit condition can be well explicated to your hirer. Being direct with honest approach can help you benefit a job though you own a bad credit. Being true instead of hiding your credit status is the basic criteria to get you a job.
You’re well convinced that you possess a bad credit as you didn’t handle it in the appropriate mode during the past. In that scenario make sure to gather evidences which show that you’re responsible. Present your boss, your accolades, performance reviews, attendance awards and former employer’s approval letters. All these would impress your boss and establish that you’re an eligible prospect.
A clear elucidation can be made to the hirer that credit history was down for personal reasons and not due to a behavior pattern. By this way a pass can be gained to enter the job. Medical expense or unemployment of a household member can be one reason which makes your hirer pretermit your credit account. The realistic situations can be explained to your hirers, which pushed you to a bad credit.
The true status of your credit history must have been stated to the boss. Once you’re completed with that, show your boss the steps that you have accomplished till date to improve your credit status. Payment of debts, refinancing mortgages and more, it would be a smart idea to bring copies of your status report which shows the actions that you have made. You can also mention the steps that you’re taking in order to clear your bad credit history. By this way it would be clear that you’re honest and trying to recover from bad credit history.
If you dislike credit reports, deciding your potential and your line of work, you can arrive at a research of the companies which manages a credit confirmation and those which do not. State, government, and federal jobs would definitely look out for a credit report. In the same manner companies which also link up with government for business also run credit checks. Job seekers can make a survey and pick selected companies for the job interview to avoid bad credit checks.
The category of companies chosen for job search should be focused. It is a fact that small companies with minimum employees and companies which holds high turnovers does not prefer for a credit check. The key reason for these companies to avoid a credit check is that they do not possess proper resources as well as time. Researching for such companies can gain you a job easily.
A job search can be throttled with a group of people who know you and your credit status and vice versa. An employer whom you might know personally can avoid considering credit checks for employment purpose. In the same aspect when a recommendation is gained from friends or employee, then positive impression is enhanced. By this way personal contacts can help you gain a job without credit checks.
With plenty companies setting up strict rules and rejecting job seekers for bad credit status, there are other companies too which takes a laissez-faire approach. A career coach Connie Thanasoulis-Cerrachio discovered a candidate with poor credit background. The candidate explained the status which led him to the mess, which gained him a job. In that manner situation may turn out to be positive and hence applying for all jobs is important. Irrelevant of the situation whether a credit check is done or not, applying for the job is essential.
Get free copies from the source website, about your detailed credit scores. Glimpse through and find out if there are mistakes as reports are posted wrong most of the time. Corrections may be made in the report which may not assure you with a job, as correction of mistakes takes months. But this can be a good idea to avert further credit related errors in future. Instead of getting burdened with bad recognition history, time can be taken in improving history for credit.
Rejecting candidates for employment due to bad credit status is a legal aspect. The employers can be investigated for the reason for job rejection and also asked for a credit report for the same. This is because bankruptcy is an exception as according to section 525(b) which links to bankruptcy code, hirers cannot fire employees for bankruptcy. In that manner a bankrupt employee cannot be refused for employment.
A survey conducted by society for human resource management states that six out of ten hirers makes an assessment the credit histories of a few of their job applicants and 13 percent performs this check for all their employees. The trend has been a span across all the industries and not limited to certain categories.
Online Jobs Scam – How to Find if a Website Provides Fake Online Job
Are you searching for some online jobs that can make you money? Don’t pay anything or register anywhere, until you read this article.
This article will educate you to understand about various internet jobs scams & how to identify them even before you pay any registration fee for any CD package.
So you have seen some website, read about the various home based online jobs they are providing. The website say, you can make this much money or that much income by working on these simple programs & that is very easy etc. etc.
You are excited, want to start as soon as possible but suddenly you came to know, that the website is asking money for registration. And because you are needy for online jobs, you pay the website.
After you pay the registration fee, they will send you some username & password to access the member area or send some CD or DVD package. To make you more comfortable, these sites even has the facility to send you their kit on ‘cash on delivery’ basis so that you can pay, at the time of receiving the material.
Everything looked good!
You paid the money!!
You want to start the work & earn money through their kit, package or member area (whatever), but even after 1 month, 2 month or a complete year, you did not earn anything.
You called them or email them. No proper answer or even no reply. And you thought everything on internet is scam.
Everything is not scam. It was your mistake!
You did not educate yourself before buying anything.
The website said ‘we provide simple & easy online jobs’ and you accepted. That was your mistake. You will get thousands of scammers & they will fool you again & again until you have the ability to identify them.
So do you want to know how to identify about these scam websites who provide fake online jobs ?
Before giving you the idea to identify a fake site, I just want to tell you that-
- There are genuine programs as well on internet, that can earn you good income. You can read our story of online jobs to check how & how much money I am making.
- There are very few sites who provide genuine information & you have to work hard to find these sites.
- Not all sites who ask money are fake. I will explain you that also.
Identify a fake internet jobs site in just 10 minutes
So before paying anything on fake sites, can you spend your 10 minutes to check the following points to know how to identify a scam site.
If not, then you have to spend hours understanding what you have to do with their kits/package or in their member area. And I am sure, even after spending months, you will not make any money.
So get ready to check these 7 points in every site.
Yes, you are paying your hard earned money but you don’t know whom you are paying to. You must know the name of the website owner & his face.
Here are 2 simple points to get sure yourself-
- Check the ‘About’ or ‘About us’ page on the website just like we have given on our website ‘MoneyConnexion.com’. He must have name, real image of him, with their Facebook or Google+ profile link.
- If you check the website name in Google then it must display the name & image of the Google+ profile in the result. e.g. If you check my website name in Google, you can see my name ‘Priya N’ & my Google+ profile.
Even if one of the 2 is missing, it means their package is fake. But if you don’t see owner name in About page or Google search result, then its a clear indication of online job scam.
2. They provide live training for their online jobs
This is also one of the easiest way to identify, if a website is providing a fake & useless online job.
Call them and tell them that you are interested in live training. I am sure, a fake site will never provide training because they don’t know what to teach you in the training.
Live training means either they provide the training in their office or through Skype.
3. The owner of the site himself makes money online
I find it very funny about the scammers. They have never earned anything from any internet program but they teach the world how to make money online.
I am making full time income on internet from the last 9 years & I developed one of the best training package for online jobs but still I am giving this absolutely free (signup here) but these fake sites does not have idea of online income & they sell useless things to the world.
So if you are interested in some sites, tell the owner to meet you personally & show their online accounts where they are making money.
You can yourself judge from this factor.
There is nothing like a company on internet when it comes to ‘make money online’. Its purely run by a single owner or two. Your money goes in their pockets only.
Then why don’t they give their phone number to you. It means they know, they are providing fake internet job & what will they explain when you don’t understand something from their package or member’s area.
Scam sites can’t escape from this. If they have unsatisfied customers, they can find their complaints on various forums or consumer complaint sites.
e.g. if you check the review of Bharat Online Work, you will lots of complaints & scams related to BharatOnlineWork.com.
So how do you check their review & complaints?
Its simple. just open Google.co.in & type the following keywords-
- ‘Name of the site’ review (e.g. BharatOnlineWork Review)
- ‘Name of the site’ complaints
- ‘Name of the site’ fake
- ‘Name of the site’ scam
e.g. If you want to check the review of my site, then replace ‘Name of the site’ with either MoneyConnexion or MoneyConnexion.com.
Don’t limit your research to first page only. Search each & every result on next pages as well.
Don’t get fooled by the positive comments on any compliant site because they fake comment written by the site themselves. Because if user is satisfied, he will not go to any complaint site & write good comments & if he does, he will surely leave his phone number.
If you find complaints, it means their online jobs package is useless.
Their ‘contact us’ page on the site itself can tell you, if you are going to deal with a fake site or trusted site.
Most of the scammers who provide useless online jobs don’t want to reveal their contact details but still you will find a ‘contact us’ page on their site to look their site as genuine.
But if you check the address on ‘contact us’ page properly, you will find that the address is incomplete.
They do it purposely so that nobody can reach their office.
So how to check if the address is incomplete?
If you read the address properly, you will notice 1 thing that they don’t have either ‘office number’ or ‘building name’ or the ‘street name’ in their address. Only 1 thing will be missing from their address.
Another way, you can confirm their address is by sending a courier or a postcard to their address . Write your mobile number & email in the letter & just ask them to reply by email or SMS to confirm if the courier is delivered & address is right.
Its not a surprise if you find some contact number on the website. They provide this to increase their sells. They know, if people see the contact numbers, they trust the website.
There is no big deal to mention a phone number on the site. They provide this to handle enquiry & not ‘after sales support’.
So you need to get sure that, they will provide support after paying them for online jobs.
So how can you be sure before paying money?
Its simple, just note down their phone numbers & call them. Try to pretend yourself as an existing customer ask the question like, “I received their package/kit & trying to understand but not getting anything”.
Ask for guidance & explanation on “how to work” on phone. And I am sure, they will not.
I tried this with 1-2 websites & I got the answer that send your query to the email ID. And it takes around 2-3 days to get the useless reply.
I am sure, if a website fulfills all the above 7 points, then they are a genuine website & you will learn something from their package or whatever.
But if the website does not satisfy 1 or more points, then the chances of ite being fake are more. Beware of the scam run by these online jobs provider!