More Than a Cereal: What You Should Know About ChexSystems

If you’re concerned with your credit score and general financial healthy, you’ve probably heard of Experian, Equifax, and TransUnion ... as the three credit bureaus, you can order your Chex report once a year and if you’ve been denied a bank account because of it in the last 60 days. (You can get free copies of your credit report [more...]

Date: 2008-10-29 14:30:09

Blog posts (147) | Videos (103)
 

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 ... alert on their credit reports, requiring lenders to verify your identity before issuing a credit ... . They're being sued by credit bureaus, competitors and lawyers in several states [more...]

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

FTC Delay Does Not Apply to Employers

Yesterday, the FTC announced a 6 month delay in enforcing their “Red Flags” Identity Theft Guidelines ... ve been in touch with the FTC and we now know that this delay only pertains to Financial ... from National Consumer Reporting Agencies (primarily credit bureaus) when conducting background checks [more...]

Date: 2008-10-23 16:11:42

How to Maintain Good Credit

Good credit is sometimes difficult to achieve. Even when it is achieved often times it's hard to keep your credit score in a decent range ... companies can report you to the credit bureau if you are over 30 days late on your payments ... ) Experian (888-397-3742) Trans Union (800-888-4213)  Maintaining good credit will help [more...]

Date: 2008-11-08 05:03:08

FICO Fitness Fundamentals

A FICO score is the number that determines the interest rate you pay on credit cards, car loans and mortgages ... credit bureaus: Equifax, Experian and TransUnion. The FICO score is linked to just about every ... in your favor) Don’t apply for any new credit cards Review your credit report periodically to make [more...]

Date: 2008-11-25 16:08:53

Debt Relief Services

We’ve spent a bit of time here talking about various ways to prepare your finances, in both good times and bad ... of this payoff, the creditor will report to the various credit bureaus that the debt has been paid ... , including a great FAQ on credit card debt consolidation and other debt consolidation programs [more...]

Date: 2008-12-18 03:59:06

Credit Repair The DIY Way

by Bob jones Negative remarks on your credit report can cost you serious money. You do not have to despair though, since it is never too late to make yourself credit worthy again. However, always remember that credit repair does not happen overnight. It requires serious dedication and perseverance to start a clean slate once more. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-23 10:40:11

Credit Repair The DIY Way

by Bob jones Negative comments on your credit report can cost a lot of money. You do not have to give up though, since it is never too late to repair your credit worthiness. However, bear in mind that credit repair does not happen overnight. It requires serious dedication and perseverance to start with a clean slate again. How to Get Started : You should know who the three credit bureaus are and what they are saying about you. [more...]

Date: 2009-09-22 07:27:52

TrustedID Gives Affordable Identity Theft Prevention Protection

Because of the rapid growing crime of identity theft, several companies have been created to help you fight back. By essentially locking down your credit bureau report, these identity theft protection companies cause financial institutions to contact you before opening up new accounts in your name. They also [more...]

Date: 2009-01-14 19:07:02

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, there are laws in place allowing people to mount disputes regarding their credit reports ... goes quickly and efficiently. You just can’t call the credit bureau in disgust and start hollering [more...]

Date: 2009-01-10 08:35:57

Credit Fraud Protection From LifeLock

Credit Fraud Protection From LifeLock January 15th, 2009 by paule Subscribe To Our Feed Today, ... on your credit bureau report. So if somebody goes to open up a new financial account with your personal ... often trade personal data as a way of making money. By monitoring the usual places were such activities [more...]

Date: 2009-01-15 13:12:48

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) ... ) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 ... report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair [more...]

Date: 2008-11-04 19:30:27

A LifeLock Review: Protect Yourself From Identity Theft

by Harvey Warmuth These days you really need to understand that there is a good possibility that you might be affected by the crime of identity ... alerts are placed on your credit bureau reports, with the main agencies. You are then contacted [more...]

Date: 2009-01-05 19:34:53

An Example of What the Credit Bureaus Try to Sell You

experian1 I mentioned yesterday that you can set up a quasi-credit monitoring service for yourself ( ... annual report without a credit score attached to it. This is the link you want. The second image ... ) and the offer is to give you your Experian Credit Score for “only” $5.95″!”. As I said yesterday [more...]

Date: 2009-01-15 13:00:15

You should always know…

…what your credit looks like at TransUnion, Equifax and Experian. This is due to the fact that certain creditors may only report to one or two of the bureaus. When you get a copy of your credit report, make sure you get a tri-merge report that lists all three [more...]

Date: 2008-09-06 22:11:54

New credit score system ready for ‘09

By next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit ... points because of how the new model fine-tunes the variables it uses to evaluate consumers’ credit use [more...]

Date: 2008-12-15 15:07:34

Mortgage “Ambulance Chasers”

Technology is a fabulous tool, but just like a hammer - if swung wrong results in a very soar thumb ... process we pull your credit report and discuss your plans, needs and options. Two hours later ... with the credit bureaus (TransUnion, Equifax and Experian) they’re SELLING your inquiry information [more...]

Date: 2009-01-08 05:23:27

The Early Bird: December 2, 2008

It's Official: Recession Is Here The National Bureau of Economic Research's conclusion that the U.S ... housing crisis is far from over. The credit reporting agency TransUnion LLC reports that the percentage ... Monday. Of the key indicators measured by the bureau, manufacturing slowed, jobs were cut, and real [more...]

Date: 2008-12-02 15:15:28

Repairing Your Credit Is Possible

Know your rights and be eligible for any type of loan ... from them in a polite way. That’s all there is to it. Get Your Credit Report You have the right to ask for one report per year, free. And even though the bureau may charge you a fee, it is never [more...]

Date: 2008-12-11 17:59:54

Bubble Economics: Did we Learn our Lesson?

Have we really learned our lesson? We must open by addressing the fact that we support all methods and creative fiscal devices promulgated to ... and is currently deteriorating towards the point of hopelessness. December’s job report, released by the Bureau ... of miserable forecasts and wretched housing bust – credit crisis - bear market headlines. All [more...]

Date: 2009-01-12 20:27:00

Options for financial freedom

During the time when you were taking out your loans or using your credit cards, it seems like a very good idea, I am sure ... that you have with the credit bureau. Bill consolidation which is relatively new, works ... off all your loans and more, this does not have the negative impact on your credit report [more...]

Date: 2008-12-26 13:28:02

Back In Business @ The Roundup

I’m just getting settled here at home after getting back from a 14 hour flight ... to be. Frugal Dad tells us how to resolve credit bureau reporting errors. Money Smart Life: shares [more...]

Date: 2008-10-26 16:24:35

Camdenton Mortgage Market Update: Jan 14

In this week’s radio broadcast, Andrew Conner talks about the possible risk of identity theft arising from the sharing of your mortgage and loan ... Credit Reporting Industry;  or call 888-567-8688. This is a permitted re-broadcasting of a radio ... activity by the credit bureaus….. and how to opt out. Click here to view the embedded video [more...]

Date: 2009-01-15 01:01:53

Magnetic Ring Attack on Electronic Locks

Posted on June 18, 2008 at 06:35 AM • 13 Comments • View Blog Reactions LifeLock and Identity Theft LifeLock, ... to allow you to put a fraud alert on their credit reports, requiring lenders to verify your identity ... quite a beating recently. They're being sued by credit bureaus, competitors and lawyers in several [more...]

Date: 2008-06-18 12:35:16

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus ... a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He [more...]

Date: 2009-01-15 00:11:26

Free FICO Score At Equifax (No Strings)

Written on 10/02/2008 by me, Jay White, the founder of Dumb Little Man and an all around average guy ... . As you may know, Equifax is one of the 3-primary credit bureaus in the US and its score is used heavily ... (as promotions do), you can also obtain a free credit report at annualcreditreport.com. While it won't give [more...]

Date: 2008-10-02 12:12:54

Rise in mortgage delinquencies

The Wall Street Journal reported that one credit bureau TransUnion forecasted that the ratio of consumers with mortgages that are two months or more past-due will hit 7.17% at the end of 2009 [more...]

Date: 2008-12-02 17:01:01

Free Credit Report 3-in-1

A good reputation and credible name is something that we all want in our life ... of your credit history online from three major bureaus where the lenders get their basis for approving ... with a bad record or worse a bad credit reputation. Sometimes even if we don’t have loans [more...]

Date: 2008-11-16 14:30:00

Time’s Jay Carney takes Sister Toldjah’s advice

Well, he’s probably never actually heard of this blog, but with news like this, I’d sure love to take the credit for it ;) ... confirmation of the report. Carney had been the magazine’s D.C. bureau head since 2005, and had been on board ... Time magazine Washington Bureau Chief Jay Carney has left that position, reportedly to become [more...]

Date: 2008-12-16 01:21:54

Credit Repair After Bankruptcy

by Matt Douglas With a bankruptcy mark on your report your score will be lowered considerably ... . The Fair Credit Reporting Act says that any mark that can not be verified by the bureau must ... . However there is hope, you can remove this mark and by building some positive credit [more...]

Date: 2009-01-04 12:44:30

POTECT YOURSELF FROM IDENTITY THEFT

by Landon McGehee Immediately upon apropos wakeful which your temperament has expected been stolen, it’s easy to proceed to panic ... the 3 credit bureaus as great as put the Fraud Alert upon your reports, which equates to which no brand brand ... allows the burglar to have use of your existent credit. Often the FTC requests which we shift [more...]

Date: 2008-12-20 13:05:57

BLS BS Exposed: Commercial Bankruptcies Soar

The McClatchy Washington Bureau is reporting Commercial bankruptcies soar, reflecting widening economic woes ... , tighter credit and a reticence among consumers to part with discretionary income. From April ... in California, which logged 3,141 bankruptcies in the second quarter. Texas fielded the next highest number [more...]

Date: 2008-07-20 20:10:33

Sunday Money Madness - Happy New Year!

Happy New Year Everybody! Let’s kick off the first of this year’s roundup with a bang! ... Bureaus Roll Out New Credit Score Formula for 2009. Finance for a Freelance Life asks Got Gift Cards ... @ Saving to Invest. Carnival Of Credit Report Stories Dec 22 @ Lava. Related Posts Sunday Money [more...]

Date: 2009-01-04 13:07:58

Today’s best mortgages: How to Qualify

by Mortgage Wizard Equity With the majority of the country in a declining real estate market the amount of equity you have in your home plays a ... on your credit report such as cell phone, gas, and groceries. Assets A borrower’s liquid assets ... . They look at the three major bureaus (Experian, Equifax, and Transunion). Some creditors only report [more...]

Date: 2009-01-02 21:56:12

November's Spending Nose-Dive

November’s Spending Nose-Dive By Alan B. Krueger Alan B. Krueger is an economist at Princeton. Update | 5:24 p.m ... appreciation and borrowing. The drop in house values and stock prices, and the freezing up of credit ... of sources, most importantly the Census Bureau’s monthly advanced retail sales report [more...]

Date: 2008-12-01 15:11:54

Heck Mulls Jump into CD 3 Race

Nevada News Bureau An Independent News Service The following newswire report is offered free of charge to newspapers and online blogs provided it is printed intact and credit is given to the Nevada News Bureau. For editing requests or additional information, please contact NNB editor Elizabeth Crum at (702) 324-3176. Or via email at: e@citizenoutreach.com September 28, 2009 4:53 pm Nevada News Bureau Staff HECK MULLS JUMP INTO CD 3 RACE Republican gubernatorial candidate Dr. [more...]

Date: 2009-09-29 15:36:53

Credit Reinvestigation Procedures - Part 2

Can every bureau and/or furnisher meet this 30-day deadline? ... , one that verifies adverse data so that it remains on the credit report) places a labor burden ... that the information be deleted from the report. Furthermore, if the furnisher lends incomplete information or simply [more...]

Date: 2009-01-02 07:04:30

Nuclear Reaction - A Greenpeace blog about nuclear power: Nuclear News for December 8th 2008

Some other stories from the nuclear industry you may have missed: Bloomberg: ... , church members have reported that Taitung county police department and Taitung investigation bureau ... its top grade credit rating as it invests billlions in acquisitions and plant renewal.’ Contract [more...]

Date: 2008-12-08 12:46:16

Avoiding ID Theft and Credit Fraud

Avoiding ID Theft and Credit Fraud Article excerpted from the new book, "How to Do Space Age Work with a Stone Age Brain" TM copyright 2004, ... these credit bureaus remove your name from their lists: TRW (800) 353-0809, Equifax (800) 219-1251 and TransUnion (800) 241-2858. Once a year carefully check out your free credit report from Experian [more...]

Date: 2008-12-01 09:00:08

Information about DNA Grandparentage Testing Posted By : Kevin Camilleri

Information about DNA Grandparentage TestingThe ABC's of Payroll Bureaus & How They Improve Company OperationsThe Finishing Touch: ... through ownership of ASC real estateQueens Landlord Ventures into NassauYour Child's First Report ... Credit Card DebtHow To Afford Repairs With Bad Credit?Get Lower Monthly Payments With Homeownership [more...]

Date: 2008-12-18 05:00:00

Old Debts Under $100 Don't Matter Under FICO '08 [Fico]

An update to how the new FICO '08 scoring system got revamped this year: Collection ammounts where the original debt was under $100 will be totally disregarded, MarketWatch reports . Back in Feb we reported that they would still be taken into account but only matter less. Also, FICO'08 has been rolled out to all three credit bureaus since last month. Before it was only being tested at one and there was some disagreement over whether all the bureaus would accept it. [more...]

Date: 2009-09-24 17:00:00

Coming This Week

by Sharona Coutts, ProPublica - Tuesday, September 16 Credit: ProPublica 9:30 a.m ... of information on reporters, the Bureau’s approach to the mortgage fraud crisis, and the expanded [more...]

Date: 2008-09-15 20:02:00

FTC's Credit Clean Sweep

The Moneysherpa Pages: FTC's Credit Clean Sweep Today, the Federal Trade Commission ("FTC") ... on false and misleading statements by "Credit Repair Operations." Lydia Parnes, Director of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit reports [more...]

Date: 2008-10-23 21:20:35

Obama Still Plans Middle Class Tax Cuts

Despite sharp criticism from some Republicans, President-elect Barack Obama is still planning to provide economic assistance to the middle class via ... economy will contract through the first half of 2009. The National Bureau of Economic Research ... that is at the root of the credit crunch probably deepened, another report due on Dec. 30 may show. The [more...]

Date: 2008-12-31 17:28:20

No Tax Man Cometh For Cunningham

No Tax Man Cometh For Cunningham October 28, 2008 The man replacing Charles O'Byrne (at least on an interim basis) as Gov ... Cunningham III lists on his state ethics disclosure forms are two credit cards, Citi Platinum Select and Chase Mastercard, Dn Capitol Bureau Chief Ken Lovett reports. Cunningham is also still benefitting [more...]

Date: 2008-10-28 21:53:19

Small Bizs Feeling the Chill

The New York Times: Some small companies say they are no longer able to get loans from newly cautious banks as credit tightens across the country, ... credit — at 30 percent a year. Mr. Snyder does not want to borrow much at that rate. “ ... , the Census Bureau reports, and they outpace large companies in generating new jobs. Photo by Kevin Moloney. [more...]

Date: 2008-10-07 15:08:55

Mysterious credit card charge may have hit millions of users

Source: Boston Globe - Several Internet complaint boards are filled with comments from credit card customers from coast to coast who have noticed a ... out whether an illegally obtained credit card number will work before making a bigger charge, or they’re ... at the moment. The Better Business Bureau in Louisville reports that, at least so far, those [more...]

Date: 2009-01-09 03:56:32

Jack And Gilles

Blow up the Hill... The New Democrats and Bloc Quebecois had a secret plan to form a coalition party well before the opposition's uproar over the ... Leader Gilles Duceppe for a "considerable period of time," reported CTV's Ottawa Bureau Chief Robert ... by a Conservative member. According to the audio tape, Layton appears to take credit [more...]

Date: 2008-11-30 19:53:22

U.S. Bleeding Jobs; Wall Street Doesn't Seem to Mind

On Friday, December 5, 2008 the U.S. Department of Labor reported a sharp loss of 533,000 jobs in the month of November ... to the National Bureau of Economic Research, today's recession began at December 2007. Friday's report ... that reverberated through credit markets has now debilitated the able-bodied worker. Indeed, labor [more...]

Date: 2008-12-09 12:56:06

Unknown annoying caller calling from 925-429-5083 (Concord, CA)

Frog88 reported a Unknown annoying caller (9254295083 from Concord area, CA) . The following comments were posted: Three calls today on my cell phone. No message, no ID. When concatenating all the complaints, it seems that these people sometimes "Hallmark TravelPulaski Tickets", another times a "Credit Repair Bureau", yet another a "Refinance Broker") are using the phone numbers "farmed" at the Alameda County Fair in Pleasanton in May 2009. I whish they would stop calling even after 6 months. [more...]

Date: 2009-10-01 20:20:09

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