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By Rachel Blumenfeld Former Lawyer If you own or manage a business with several employees, you may find that you need to give some employees company credit cards. This entrusts the employees with a lot of responsibility, so it’s important to have a clear policy regarding the usage of such company cards. Customizable Policy This sample policy may be downloaded and altered as needed for your company. There are some words you need to fill in, such as specifying the name of your company and identifying the person or department to whom receipts must be given.

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For example, you may want to specify exactly what items an employee can purchase, rather than leaving it vague such as “in conjunction with one’s job duties”. You may even want to specify that any purchases need to be pre-approved, rather than just purchases over a specific amount but if you do this, consider including an exception in the case of emergencies. If your business is a government or religious business, you may also want to specify that the card may not be used for the purchase of alcohol, even on business trips.

A Legal Contract Even though your credit card policy may seem clear, it is best to have it reviewed by your company’s attorney before putting it to use. Some states may have different requirements for this type of policy – for example, some states may not let you deduct future wages in an amount that takes an employee’s pay below minimum wage.

Some states may just have different requirements for the signature blocks.

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Previous address if you have not lived at your current address for 2 years 3 Decide which credit reports to order. The three reporting companies get their information from different places and so may have slightly different information. They also present it in different ways. If you are about to seek credit for a large purchase like a car or house, it is a good idea to get all three reports to make sure your credit information is accurate.

If you are not about to make a big purchase, it makes more sense to space out your requests so that you can keep track of your credit information over the course of the year. It also provides an month credit history for each credit account, reflecting whether the account was paid or overdue in each of those months. For more on the Equifax report layout and codes used, see here. Experian — The most helpful feature of Experian reports is that they tell you when an account or a negative report is scheduled to fall off your credit report.

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Why do I see the same name in chat room multiple times?

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