ftc credit report: : Your FREE credit report (blog)

Your FREE credit report

The FTC enforces the Fair Credit Reporting Act (FCRA) ... for this information. Read about it from the FTC’s website: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm ... , which requires Equifax, Experian, and TransUnion to provide you with a free copy of your credit [more...]

Date: 2009-01-06 16:47:10

Blog posts (262) | Videos (20)

Free Credit Reports and How to Use Them

... when consumers who were responding to an ad for a free credit report found themselves enrolled in a monthly service. The FTC stepped in and amended the Fair Credit Reporting Act to require each [more...]

Date: 2008-10-08 08:05:49

Thinking of credit repair? Think twice

You’ve probably heard ads promising to fix bad credit ... having money trouble. No one can remove accurate negative information from anyone’s credit report ... to the FTC’s brochure titled Credit Repair: How to Help Yourself, here’s how to tell if the company [more...]

Date: 2008-11-03 12:06:26

Careless Friend Lost His Wallet

Over the weekend, my friend had his wallet stolen from a communal locker at work ... cards. Report the theft to credit bureaus. File a police report. Provide details to the FTC ... it in the university’s ‘lost and found’. If in a few years from now, when he checks his credit report [more...]

Date: 2008-09-18 23:59:23

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: reducing credit limits for people who use a variety of services. These services included, “Direct ... counselors, automobile tire retreading and repair shops, bars and night clubs, pool and billiard [more...]

Date: 2008-06-23 16:12:59

What is an Accurate Credit Listing?

According to the FTC website “No one can legally remove accurate and timely negative information from a credit report ... . In fact, many critics of credit repair and credit repair law firms such as Lexington Law will try to use ... , and that it is a futile attempt and a waste of money to work with any credit repair company. When you take time [more...]

Date: 2008-10-23 18:45:47

FTC Crackdown on 36 Credit "Repair" Companies

sweep.jpg Ever wonder if those TV ads claiming to help you repair your credit are legit? ... they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain ... information from consumers' credit reports, even if that information is accurate and timely. The FTC [more...]

Date: 2008-10-28 11:15:52

Beware of Credit Repair Scams

2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... errors from your credit report. But at a hefty price for something you can do yourself. Others ... and paid them before they showed you results, call the FTC at 877-FTC-HELP and report them [more...]

Date: 2009-01-13 04:55:48

FTC Approves Federal Register Notice Announcing Increase in the Ceiling on Allowable Charges Required By Section 612(f) of the Fair Credit Reporting Act

My comment: As we all know it's important to give near bankrupt companies who completely screwed up their business billions of dollars and find ways ... for an additional free disclosure. Under federal law, consumers are entitled to a free copy of their credit report ... an application for credit, insurance, or employment) and consumers request their rep [more...]

Date: 2008-12-15 20:41:14

Identity Theft

by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus ... and still allows a thief to use your existing credit. Often the FTC requests that you change [more...]

Date: 2008-12-20 13:16:13

Does Life Lock Work

Does Life Lock work is a question that gets asked a lot, mainly because it seems so cheap ... to counter identity theft by allowing anyone to request a free copy of their credit report from the credit ... and for all. According to official figures from the FTC, 3% of Americans were victims of identity theft last year [more...]

Date: 2008-08-25 15:05:03

linkblog: Jun 25

linkblog: Jun 25 June 26, 2008 – 2:04 am Engagd.com Pull all your APML together and get a clear picture of what gets your attention ... AnnualCreditReport This is a great site to get your free annual credit report from all three reporting agencies. This site is recommended by the FTC. The JavaScript Source: Forms : Clipboard Copy [more...]

Date: 2008-06-26 06:04:57

Credit clean-up

"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... on your credit report. Credit repair companies can negoitate a repayment plan and might even get fees removed ... of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit [more...]

Date: 2008-10-27 19:40:13

What Happens AFTER You Get Your Identity Stolen

Having your identity stolen is far more damaging than just losing money ... . Get a new license. Close bank accounts. Open bank accounts. Contact all credit bureaus to freeze your credit and activate fraud alerts. Contact the FTC and report ID theft. Call here, email here, drive [more...]

Date: 2008-07-29 19:02:03

Voting Consumer Alert!: Voter Registration Scams Asking for Social Security Numbers and Credit Card Information

Washington, DC - Shaun Dakin, CEO The National Political Do Not Contact Registry - Sign up for free at StopPoliticalCalls ... consumers to a report from the Federal Trade Commission (FTC) of a voter registration scam involving ... to immediately report them to the FTC at www.ftc.gov. Consumers who may have already provided [more...]

Date: 2008-09-25 15:38:02

Consumer Advice to Ring in the New Year

December 23, 2008 FTC News Release: Nine Consumer Tips to Make the Most of 2009 As 2008 draws to a close, ... include: Get a free copy of your credit report. Visit www.annualcreditreport.com or call 877-322-8228 to request a free credit report, once every 12 months from each of the nationwide consumer credit [more...]

Date: 2008-12-23 18:24:31

Massaging Your Credit? Be Careful

The Beaumont PD sex sting incident has hurt many: cops, families, the image of the force and others ... Trade Commission (FTC) recently filed suit against credit card issuer, CompuCredit. The suit ... your bills, but your purchasing patterns, that may lay your credit in ruins.Detailed in the report [more...]

Date: 2008-08-30 11:59:00

9 Million Identities stolen in US each year - $49.3 Billion in losses vs. $17.6 Billion for all other forms of property crime

There are new rules that any company that offers any form of credit has to comply with for reporting identity theft incidents. The rules stem from FACTA - Fair and Accurate Credit Transactions Act. In some sense ... against individual's for theft - violent or not. Its kind of interesting - the FTC reports identity [more...]

Date: 2008-10-17 11:15:18

6 Tips To Help To Protect Your Social Security Number

1. Never carry your Social Security card on your person, it should be stored in the same place as your birth certificates, insurance policies, ... you will need to contact the FTC, this may be the beginning to bank and credit accounts that are not yours. It will also be the start of a credit-report nightmare that can last anywhere from a few [more...]

Date: 2008-11-26 01:11:54

Bank Fraud: What If You Find Fraud in Your Checking Account?

You opened up your checking account statement for this month, and tons of weird charges are looking back at you ... . Report the fraud to the FTC at 1-877-ID-THEFT or on their website http://www.ftc.gov/bcp/edu ... they will probably not do much, but they should file a police report. Call your bank or credit card [more...]

Date: 2008-09-07 13:41:08

More Consolidation Debt Help

Debt got you down? You’re not alone. Consumer debt is at an all-time high and it’s not getting any better any time soon ... on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live. The Federal Trade Commission (FTC) cautions consumers to read between the lines [more...]

Date: 2008-12-07 14:49:49

NCO Group - End the Calls

by Justin Hutto If you are being contacted by NCO Financial it is regarding an unpaid debt ... a delinquent debt on the borrowers’ credit report for longer than 7 years. They were forced to pay ... collection agency with a history of FTC violations. NCO is often hired to come in and collect [more...]

Date: 2008-07-17 02:40:37

Beware of Background Screening Checks

Employee background screening is an unregulated industry with easy money and not a huge emphasis on compliance or on hiring quality people to do the screening. The federal Fair Credit Reporting Act covers background screeners, but it hasn't ... applicants. An applicant can dispute the information, but the Federal Trade Commission (FTC) has said [more...]

Date: 2008-06-03 17:50:00

Unanswered questions about children's food and beverage advertising

In July, based on information collected through federal subpoena, the Federal Trade Commission (FTC) produced a detailed report on the massive extent of children's food and beverage advertising (see ... . Studies show that those who drink more soda are more likely to become overweight. To their credit [more...]

Date: 2008-11-11 21:12:30

37 Killer Free eBooks to Improve Your Wealth

The Internet is full of wonderful information, and much of this information can be found in ebooks ... Report: In this ebook, you’ll learn about methods for legally improving your credit score, spotting ... Trust Offers: The FTC commision’s pamphlet explains the details of living trusts and how [more...]

Date: 2008-09-15 04:51:31

Identity Theft Part 1: The Business Owner’s Responsibility

Tracy Johnson for Business ... Commission (FTC) site. Below, I’ve mapped out the basics to help point you in the right direction. The Rules and Regulations There is federal legislation called the Fair Credit Reporting Act (FCRA [more...]

Date: 2008-09-02 17:24:23

Identity Theft - Are you protected?

I work in the computer services industry ... . In discussing the report, Lydia B. Parnes, the Director of the FTC's Bureau of Consumer Protection ... by the Fair and Accurate Credit Transactions Act (FACT Act) and see how safe it makes you feel [more...]

Date: 2008-06-23 22:28:00

More miscellanous roundup--Internet spying, car fraud and more

Over at Slashdot, an item reports that Wikileaks has posted an internal British Telecom report on the secret trials of the extremely controversial ... advertising based on a user's browsing habits."FTC has a new website on telephone fraud ... the credit bureau Trans Union's (TU release) long-running and insolent violation of the Fair Credit [more...]

Date: 2008-06-05 22:00:33

It can be difficult for a identity theft victim to clear their record

Identity theft is a term used to refer to swindle that involves someone pretending to be someone else in order to steal money or get other benefits. However, the terms are often used interchangeably. Someone can steal or appropriate someones identifying implication without actually committing identity fraud. A Government Accountability Office study determined that “most breaches have not resulted in detected incidents of identity theft “. Identity theft is somewhat different from identity fake. [more...]

Date: 2009-08-30 17:37:47

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

AEI Interns’ Transcripts in Date Order: Their Own First Draft of History

First of all, I want to reemphasize everything Laurie just said. This is not a new threat, and this is not a threat we did not know about. Saddam Hussein has, in many ways, openly dreamed of mass death in the United States. He has shared his dreams with his nation and the world many times. We also know he has actively planned to do so many times, and Laurie’s book is a rather convincing argument that he is active and successfully implemented plans to do so as well. [more...]

Date: 2009-09-28 08:30:21

Make Your Smile Brighter Instantly

DISCLAIMER: This posting is based on information widely available in the public media and medical journals that deal with losing fat and/or colons and/or skincare and/or whitening teeth. Nothing contained here is intended to be or should be construed to be any sort of medical advice. For medical advice the reader should consult with his or her doctor or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-20 17:49:20

Make Your Teeth Better At Once

DISCLAIMER: This posting is based on info widely available publicly online and medical journals that deal with losing fat and/or cleansing and/or skincare and/or whitening teeth. Nothing herein is intended to be or should be construed to be any sort of doctor’s advice. For medical advice the reader should consult with his or her doctor or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-14 21:24:50

What Is A Third Party Collection Agency?

by Jonathan Summers The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-23 18:41:54

Bally Sends Fake Past Due Bills To Ex-Members To Get Them To Rejoin [Ripoffs]

Reader Jordan writes in to share a past due "bill" that he received from Bally Total Fitness , where he had previously been a member. It turns out that the letter, which specified the amount Jordan owed and threatened to report Jordan to a collection agency if he didn't pay, was actually a sneaky solicitation to get him to renew his contract. Jordan writes: Hello, Writing to let you know about an interesting letter two friends and I received from Bally's. [more...]

Date: 2009-09-22 19:28:03

Make Your Smile Hotter At Once

DISCLAIMER: This post is based on information widely available publicly online and medical journals that deal with losing weight and/or cleansing and/or skincare and/or whitening teeth. Nothing herein is meant to be or should be construed to be any sort of medical advice. For medical advice the reader should consult with his or her physician or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-16 15:57:20

Make Your Smile Hotter At Once

Date: 2009-09-16 15:57:20

NRMLA Questions Validity of Consumer Reports Reverse Mortgage Investigation

When researching a product, be it a flat-screen television or a car, many of us often turn to Consumer Reports for an evaluation of what is available. But after reading their reporting on reverse mortgages in the September 2009 issue (“Reversals of fortune: The next financial fiasco? Can it be reverse mortgages”), one has to question whether there is any validity to anything that ever appears in the magazine. [more...]

Date: 2009-09-03 18:18:01

Don’t Call Me, I’ll Call You

Folks, today I’m going to share with a secret, recurring fantasy I have. I am aware that this is a risky thing to do, and some of you may think me nuts when I’m done.. But, here goes:In my fantasy, I’m endowed with a magic arm. With my ‘magic’ arm, I can reach through the phone.It works like this: I just shove my hand in the receiver end of my phone, and it will pop out the speaker of my caller’s phone. Like in a cartoon. [more...]

Date: 2009-08-27 18:05:21

The Identity Theft Epidemic

In today’s modern world there’s an increasing threat level associated with identity theft. With newer technology being implemented and invented everyday, this rise has been due in many respects that that innovative technology. Criminals are using that smarter technology to increasingly break into bank accounts, credit card facilities and the like quicker and easier without going detected. But what is identity theft actually? [more...]

Date: 2009-09-01 13:58:26

The Identity Theft Epidemic

Date: 2009-09-01 13:58:26

Former FCC Commissioner: Congress and FCC Abandon Citizens - Appeal to Rupert Murdoch Our Only Hope

Former FCC Commissioner: Congress, FCC Abandon Citizens - Appeal to Rupert Murdoch Our Only Hope FromDC2Iowa by Nicholas Johnson "Rupert Murdoch, this Australian-born, 78-year-old media mogul, and 132nd richest person in the world, controls the News Corporation, which owns Fox. And today, unlike 1932, he can legally use his media to spew forth hatred-for-ratings of a sort that would have resulted in the loss of his licenses in the Commission's early days. [more...]

Date: 2009-09-24 10:00:00

How The FTC Helps To Protect Your Credit Repair Consumer Rights

by Tanner Sims The FTC or Federal Trade Commission investigates consumer complaints of fraud and unfair business practices throughout the US for more than 90 years. They also inform and educate the consumer with published information on credit repair and credit repair agencies. Some credit repair agencies have been charged with making fraudulent claims and you should be aware of this. Some companies might claim to repair your credit in a short period of time and the FTC says this is illegal. [more...]

Date: 2009-08-26 11:11:24

Definition Of A Third Party Collection Agency?

The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-18 23:52:21

Is this the end for Rachel from cardholder services?

In the Science Fiction world of Isaac Asimov, robots are required to abide by three simple laws : 1. A robot may not injure a human being or, through inaction, allow a human being to come to harm. 2. A robot must obey any orders given to it by human beings, except where such orders would conflict with the First Law. 3. A robot must protect its own existence as long as such protection does not conflict with the First or Second Law. [more...]

Date: 2009-09-02 14:00:04

Calm Your Visitors’ Privacy Jitters

I have a friend who gets totally freaked out from all the conspiracy theories, news of “earth changes” and political commentary posted on the web ... he doesn’t trust the Internet. Does this sound like an oxymoron? WebProNews published a report ... American surfer include: Concerns that credit card numbers will be stolen online Online activities [more...]

Date: 2008-10-01 16:00:09

Business Startups With Bad Credit

Bad personal credit is a common stumbling block for first-time entrepreneurs. Often, the motivation for going into business is to make more money, indicating that they are not making enough money working for others, thus, bad credit. Working for yourself is the best opportunity for building wealth, and the sooner you get started, the better. Bad credit among entrepreneurs is more common than you think and can make the startup process slightly more difficult, but is not a total barrier in itself. [more...]

Date: 2009-09-18 07:58:29

Criminal Intent

You know you've made it to the big leagues when DXP invites you to contribute to their great Husker blog site. This is my first post, so no haters ... to report in the football world, but I couldn’t help but bring up a couple of gems that have hit ... Jones said “what the f**k did that guy do?” and proceeded to blow rails of cocaine off a credit card [more...]

Date: 2008-07-10 22:15:48

Criminal Intent

Date: 2008-07-10 22:56:25

CLLB Information Security Newsletter

Volume 1 Issue 5 Personal Privacy – How to Protect Your Information From the Desk of David Badertscher As we continue to conduct more ... (such as name, credit card account, address, etc) is increasingly utilized. Personal information has become ... purchases and pay bills with credit cards, you leave a data trail consisting of purchase amount, [more...]

Date: 2008-09-30 18:42:35

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