ftc credit report: : Your Free Credit Score: Is There Such A Thing? (blog)

Your Free Credit Score: Is There Such A Thing?

What’s the big deal about credit scores? Since credit scores are recognized as predictors of future bill paying ability, the better your rating, ... your financial standing. Really, who wants to wade through credit report paperwork when a number can tell all? While your credit report is a record of all your credit-related activities, your score [more...]

Date: 2008-07-16 01:28:24

Blog posts (262) | Videos (20)

The Business Pundit Energy Plan: Electrification, flex power, and a smart grid

By now, 99% of us are aware of the problem. Cheap oil, whether due to peak oil or not, is over. Starting now, we need to wean ourselves off this expensive fossil fuel and find something sustainable. That is, an energy system that: a) Is not subject to mining, and therefore will not be prone to depletion; b) [more...]

Date: 2008-08-13 21:08:14

Faceless Crime: How to Protect Yourself

by AJ McCreary, PICurrent Assistant Producer **Editors Note** Today we continue our look at internet scams and identity theft ... in making you vulnerable to credit fraud. Identity theft or Credit Fraud occurs when someone uses your personal information; name Social Security number bank information or credit card number without [more...]

Date: 2008-12-18 14:22:14

Mystery Shopping Investigation

Image via Wikipedia Recently, ... to the Federal Trade Commission (FTC), the nation's consumer protection agency, marketers who promise ... shopper to make a particular purchase in a store or restaurant, for example, and then report [more...]

Date: 2008-10-04 17:07:42

How to Safely Build Your Credit History

I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... years - a credit report is just a detailed listing of this information. There are three companies ... in your credit report. The most common type of credit score is the FICO score. While the exact formula [more...]

Date: 2008-09-23 20:00:35

Colectarea debitelor - explicatii si intrebari frecvente

Collection Agency FAQ What is a collection agency? There are two possibilities. Some creditors will actually use a separate company name, address, and phone number for their internal collection departments, in order to give the impression of an “outside” agency, on the theory that debtors will take it more seriously [more...]

Date: 2008-06-26 12:50:58

Revolution Credit Solutions Inc. Does the Right Thing

In an effort to clean up the industry Revolution Gives free Credit Repair Service to victims of Scam Companies Chicago, IL ( ... is a copy of the complaint filed with the FTC. Revolution Credit Solutions hopes that this will encourage ... : Credit Repair, Credit Dispute, Credit Report, Credit Score ### Media Contact Information: Mike [more...]

Date: 2008-09-14 17:13:13

McCain’s Coastal Flip-Flop = Global Disaster

Senator Barbara Boxer and Representative Lois Capps held a conference call today to discuss the Bush/McCain response to $140/barrel oil. Before I share the high points of the call, I want to offer some pictorial perspective on why I and most other Californians, Republican and Democrat, [more...]

Date: 2008-06-24 00:16:07

The Ultimate Pandemic: Identity Theft

If you’ve ever been a victim of identity theft, you know first hand the stress and problems it can cause ... only and not online. 4. When paying bills with a check, especially credit cards, write ... . 6. Make photocopies of your license and credit cards. Keep your social security card at home. Also [more...]

Date: 2009-01-15 15:24:48

An unexpected letter

An unexpected letter Our credit scores are in great shape, but I just received a reason to make sure that they stay that way: ... specifically about their use in homeowner’s insurance, I did find a very detailed report by the FTC about their use in auto insurance. That report details the impacts of credit-based insurance scores on car [more...]

Date: 2008-08-12 12:25:30

Diageo Names New US President

Diageo has appointed a president of its U.S. business for the first time in addition to a number of management shifts ... to president, Diageo USA. He will continue to report to Ivan Menezes, who has been named chairman ... to its executive committee and will report to ceo Paul Walsh. All appointments are effective October [more...]

Date: 2008-09-26 20:34:54

Free Instant Credit Reports - They Really Do Exist

By Ann Born Don't be fooled! Access to free instant credit reports is not as easy as hundreds of sites would have you believe ... that can honestly provide a no-strings attached free instant credit report, and that is straight through the FTC ... . Yes, since the FTC ruling in 2005 you are entitled to one free annual report from each [more...]

Date: 2008-07-09 02:02:21

Is Credit Repair for you?

My take on credit repair is this: there’s no quick fix solution and those who say differently are selling something ... the scammers. These companies have phrases like: “Credit Problems? No Problem!” “We can erase you bad credit - 100% guaranteed!” “We can remove bankruptcies, judgments, liens, and bad loans [more...]

Date: 2008-10-28 12:46:32

Bank turmoil fuels phishing boom

The US Federal Trade Commission (FTC) issued a warning saying phishing gangs were using the current global financial crisis to extract valuable ... were up more 180% in a year. The FTC said that the current rapid changes in the banking world, where ... personal details. The FTC said in statement, "Scammers are taking advantage of upheavals [more...]

Date: 2008-10-13 12:00:00

read full article

Save your marriage or save your credit Lindsay Beyerstein catches an important story---an FTC lawsuit against CompuCredit Visa has revealed some ... is that if you go to marriage counseling, that's a strike against you on the credit report. ... of the unusual things that will get held against your credit rating. Oh, it's not just your income [more...]

Date: 2008-06-23 00:35:31

Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret ... : A reader has a quandary about gift certificates given out as gifts. No Credit Needed enjoys spending ... company, I feel oddly reassured… Recent Carnivals Shop For Groceries Online, Not Paying Off Credit Cards [more...]

Date: 2008-07-16 23:00:00

Monitor Your Credit Report–Safely!

It’s important for all consumers–and especially those with a bankruptcy or credit problems in the past–to monitor their credit reports ... purchases. A search for “free credit report” brought up both the authorized site above and the FTC ... . The Fair Credit Reporting Act entitles every consumer to a free credit report from each [more...]

Date: 2009-01-08 08:20:41

How to Prevent Identity Theft

Identity theft is still around. Of course, it always has been, but sometimes it takes a story to bring things back into the spotlight ... to their credit report from all three major agencies — Experian ... Identity Theft Survey Report shows that 16% of the time the victim actually knew the thief — often [more...]

Date: 2008-07-22 19:36:23

why should i repair my credit

FAQs On credit Part 1 Nowadays, with identity theft rampant and po ibility of data entry errors it’s a high probability that your credit report ... - they do nothing to improve your credit report and disa ear with your money. The Federal Trade Commi ion (FTC ... contai entries that do not belong to you. Incorrect items on your credit report will [more...]

Date: 2008-10-20 20:39:39

Affiliate Marketing Rule Alert: Compliance Deadline is October 1, 2008

Section 214 of Fair and Accurate Credit Transactions Act (“FACTA") was enacted to amend the Fair Credit Reporting Act (the “Act”) ... of the Comptroller of the Currency, the Office of Thrift Supervision and the National Credit Union Administration issued a joint final rule (along with the Federal Trade Commission (FTC) and the Securities [more...]

Date: 2008-09-06 02:27:03

Multiple inquiries on credit reports hurting student loan applicants

In today's New York Times, Ron Lieber's story Danger Lurks When Shopping for Student Loans explains that when you shop for a student loan, the resulting inquiries, or hits, to your credit report may damage your credit score. Since ... who comparison shop within a relatively short period of time do not see their credit scores suffer [more...]

Date: 2008-07-26 14:50:09

Debt Rattle, August 12 2008: A bursting leveraged speculating community bubble

National Photo Company Old Dutch Market 1920. The chain ("The Market of Cleanliness") ... have no more credit to lend out, not for individuals looking for a home mortgage, a student loan ... , whose main store was at 622-24 Pennsylvania Avenue, had about a dozen branches in the Washington [more...]

Date: 2008-08-12 20:43:34

25 Personal Finance Do’s and Don’ts for 2009

With the current economic crisis you might be wondering how you’re going to handle 2009 and the promise that we’re hearing from all the economists (and even the President Elect) that things are going to get worse before they get better. Well, strap yourself in and let’s take a look at some of the things you can do that can help you survive [more...]

Date: 2009-01-06 00:02:47

Goodbye Cash-out. Hello Debt Settlement. Part 2 of 3

(If you missed Part 1 - you can find it here) If you believe the hype spun by many debt settlement firms, ... consumers fail in their efforts. If you believe the media and the FTC - it’s because all debt ... percentage of the people that contact them. Some consumers are better served by consumer credit counseling [more...]

Date: 2008-11-19 16:04:43

How A Forgotten Blockbuster Video Caused A 2 1/2 Year Battle With Discover Card And Collection Agencies [Universal Default]

"Universal Default" is when your credit card company adjusts the terms of your loan because you "defaulted" with another company. In reader P ... , it launched him into a 2 1/2 year legal battle with Discover, a collection agency, and now the credit ... , and payed them in person at their offices within 24 hours of receiving the notice. I checked my credit [more...]

Date: 2008-06-27 16:23:12

WATERTRAK RO Clean Up

WATERTRAK RO Clean Up The CIP unit is designed for manual operation through a local control box on the skid ... Chemical Corporation - Provides Process Technology For New Polysilicon... 3 Dow Receives FTC ... Value Network Group For Chemicals 5 Air Products' Energy Businesses VP To Address Credit Suisse [more...]

Date: 2008-09-30 13:15:23

Adverganza's Monday morning picks, 06.30.08

Wherein I scan the Monday morning headlines so you don't have to. From Advertising Age: ( ... is in review. From Adweek: —Digital shops are sick and tired of not getting credit. —In case ... Only four out of 56 agencies who filled out Report Card questionnaires do paid search on their own [more...]

Date: 2008-06-30 15:33:33

New Frontiers in Voter Supression

Bogus fliers (so 2002) and robocalls (so 2006) are being superceded by a new generation of ways of preventing the wrong people from voting. The Lawyers' Committee on Civil Rights and Common Cause report In the last several election cycles, "deceptive practices" have been perpetrated in order to suppress voting and skew election [more...]

Date: 2008-10-27 19:01:14

Did Racism Help Cause the Mortgage Crisis? The Rise of Sandy Weill and Citigroup

Photo: United for a Fair Economy The State of the Dream copyright © 2008 Ralph Brauer ... on a Baltimore loan company named Commercial Credit that specialized in predatory lending. The tale ... of color. Commercial already had a shady reputation when Weill moved in on it. In 1973 the FTC [more...]

Date: 2008-12-21 05:13:51

Do You Make This Mistake Regarding Your Free Credit Report?

by David T. Johnson Whether you like it or not the rules are set according to your credit score. Here’s what that means ... has proven that your credit report, although it is based on your past payment history, it still is the most ... before you allow somebody to see your credit report. In other words, you want to ‘pull your own [more...]

Date: 2008-09-26 19:51:00

Debt Validation: The ultimate weapon against the collection agencies

You could try to use debt settlement methods (including our do it yourself online training for debt settlement) ... . (If you are wondering how a collection got on your credit report in the first place, read ... The FDCPA does not cover collection tactics employed by original creditors (like credit card [more...]

Date: 2008-06-19 11:12:40

Congressman Barrett, Expert Discuss Identity Theft in Telephone-Town Hall

Congressman Barrett, Expert Discuss Identity Theft in Telephone-Town Hall Congressman Barrett speaks to constituents throughout the Third ... in a consumer’s credit report, assisting victims of identity theft, and preventing fraudulent credit ... Commission (FTC) found that this crime is the most common complaint by consumers in each state [more...]

Date: 2008-07-11 11:36:32

Citibank: Fighting Back

Time to start fighting back against Citibank, which cancelled my home equity line of credit last month ... of credit be reinstated. See: Letter to Citibank The letter was mailed on May 28, and I asked ... to do the right thing. I know better than that. I've already made a complaint to the FTC, and received [more...]

Date: 2008-06-13 21:48:32

LifeLock and Identity Theft

LifeLock, one of the companies that offers identity-theft protection in the United States, has been taking quite a beating recently. They're being sued by credit bureaus, competitors and lawyers in several states ... and Accurate Credit Transactions Act, or Facta, credit bureaus were forced to allow you to put a fraud [more...]

Date: 2008-06-17 12:51:25

Simple & Free Credit Repair You Can Do Right Now!

by Mark Alison Whatever your background or record, you can take some simple and quick steps to begin your own credit repair ... . The law entitles consumers to a free copy of the credit report, one from each of the three agencies ... from your credit report. With just this simple step, some of these negative entries will be removed [more...]

Date: 2008-11-14 09:14:17

How to Report Identity Theft

by Paul Wilcox Identity theft has now become a major problem. It grows more each year and can nearly destroy people in the process ... be one of the first calls you make as the FTC can help you through the entire process. Report the theft ... . If this happens to you, you need to know how to report it. It’s important that it’s reported [more...]

Date: 2008-11-09 13:48:37

How Many Identity Theft Complaints Were Filed in 2007?

Are you like 258,427 other consumers? I hope you said “No!” This is not a group that you want to be a part of! ... amazing fact is that 65% of these victims did not even file a police report! The FTC report ranked ... According to a report put out in February 2008 by the Federal Trade Commission, 258,427 [more...]

Date: 2008-10-24 03:00:59

Click to read the full text of this article at its permanent location.

Headline News - June 10, 2008 Tags » Payments News - Headline News NetSpend(R) ... Founder Partner in Global Mission to Empower the Underserved New Forrester Report: What Consumers Want ... on Anticipated FTC and FDIC Allegations Capital One Survey Highlights What Today’s College Graduates [more...]

Date: 2008-06-17 12:28:36

A Compliance Program That Won't Break the Bank

By Thomas B. HudsonSales and profits down? Business off? Guess who doesn't care? Attorneys General and plaintiffs' lawyers, that's who ... Rule; The FTC's Preservation of Consumer Claims and Defenses Trade Regulation Rule; The FTC's Credit ... Board Regulation M; The Equal Credit Opportunity Act and Federal Reserve Board Regulation B; The Fair [more...]

Date: 2008-06-26 14:56:00

Another Unusual Risk

Another Unusual Risk Here’s another risk for companies to consider disclosing in their financial statements: ... they filed suit against the company over marketing practices for its credit cards. The F.T.C. claims ... of credit cards to the fiscally challenged, has included this risk factor in every quarterly and annual [more...]

Date: 2008-08-08 02:28:00

Fun With Spammers

I got fed up today with one particular spammer who just wouldn't leave me alone. Three to four emails per day from a few domains. I got mean, aggressive, and nasty after a few reasonable attempts to stop it. I did research and found the perpetrator. I sent off this email: From: Eric A [more...]

Date: 2009-01-16 00:44:05

freecreditreport.com scam exposed AGAIN

I've often written about the freecreditreport.com scam. The website is run by the credit bureau Experian. Over at Smartmoney ... being locked into the $14.95/month credit report monitoring service that the company sells is down ... to the government-mandated annualcreditreport.com site where you can get an actual free credit report required [more...]

Date: 2008-12-07 12:49:45

Free Isn’t “Free” When It Comes to Protecting Your Identity

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... in six valuable ways. 1. Fraud Alerts - A Fraud alert is a “flag” placed on your credit report ... the credit bureau and request that another fraud alert be placed on your credit report. LifeLock takes [more...]

Date: 2008-06-19 18:58:41

FAIR CREDIT REPORTING ACT: FOR CONSUMERS

by Rob Kosberg Consumers will find information about their rights in the Fair Credit Reporting Act (FCRA). Please go to www.ftc ... There is much information on your credit report regarding your financial picture. Even though most ... on your credit report is negative information that can be proved to be true. When you do the comparison [more...]

Date: 2008-12-30 12:18:02

'Bum deal for bum credit' notification rule moves forward

A proposed federal regulation that would force lenders to tell consumers "This isn't our best deal" moved a step closer on Monday ... . Give consumers the chance to review and fix credit report errors. Let consumers take steps ... such a notification, the regulation lets the lender opt to send the consumer a copy of the credit report [more...]

Date: 2008-08-19 14:11:15

Illegal Immigration Driving Identity Theft

Illegal Immigration Driving Identity Theft Steven Malanga reports on a huge rise in identity theft driven by illegal immigration ... is helping to fuel this rash of crime. Seeking access to jobs, credit, and driver’s licenses, many ... against illegal immigration,” according to U.S. Immigration and Customs Enforcement. The FTC’s latest [more...]

Date: 2008-06-04 06:36:33

There’s No Such Thing As A Free Credit Report

It is a basic law of economics: there’s no such thing as a free lunch ... free” credit report. Too often, those sites are merely a lure, intended to get people to paying money out of their credit card account on a monthly basis. Once again, before you sign up for any “free” [more...]

Date: 2008-09-14 08:24:30

Beware of Credit Repair Firms: But Don’t throw the baby out with the bathwater

Most of the credit repair, TILA audit, Loan mod etc firms are incompetent, perhaps dishonest, and definitely misleading. BUT SOME ARE ON THE LEVEL ... , and other accurate information from consumers’ credit histories. Under the Credit Repair Organizations Act, and the Federal Trade Commission Act, credit repair firms are forbidden from promising to [more...]

Date: 2008-11-16 15:26:24

Broken By Your Credit Card? Credit Repair Service Can Help

Negotiating Credit Card Debt Sure, we all love them but when misused, a credit card can break us ... , if they insist that you have to pay to get your own credit report, get up and leave ... is different from the credit report, you would typically be charged a small fee. Understanding [more...]

Date: 2008-10-29 17:42:18

101 - 150 of 262 Posts
Page: First | < Preceding | Next >
0 | 1 | 2