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Credit Reports: What You Should Know

by Jim Bransby The current credit crisis is effecting or will have an effect on every single person in the US ... important that you check credit report and monitor it on a regular basis. Banks are looking for any ... a loan in the future may decrease if such mistakes damage your credit report. Checking credit [more...]

Date: 2008-12-23 10:39:29

Blog posts (133) | Videos (32)

Consumer 101: Get Your Free Credit Report From "Annual Credit Report.com" [Annual Credit Report]

You've probably seen those commercials featuring a friendly looking jackass and his factually inaccurate songs about what can happen to you if you don't check your credit report. It's true, checking your credit report is a good idea ... been fooled by other sites. They want to sell you a trial subscription to some credit monitoring service [more...]

Date: 2008-09-25 17:07:30

Credit Karma Uses Ad Model to Provide Free Credit Information

According to the 2007 Online Banking Report, approximately one in three US adult consumers monitors or checks their credit score in some form or ... the score is usually only free if you enroll in a credit monitoring service. In this margin-rich industry ... . FreeCreditReport.com and TrueCredit.com, the consumer direct sites of Experian and TransUnion [more...]

Date: 2008-11-25 19:39:56

Time to Check Your Credit Reports

  Happy New Year!  As we start 2009, many people are making resolutions, wanting to do things better and differently than they did in the past ... to do.  To get a copy of your credit report from one, two or all three of the credit bureaus ... on credit monitoring. If you want to know your current FICO scores, you can obtain all three [more...]

Date: 2009-01-03 17:05:27


PT Multi Adiprakarsa Manunggal (’KARTUKU’) is a full-service electronic payment network infrastructure provider, providing sales, ... . - Supporting, maintaining, troubleshooting & Monitoring CCTV servers, PABX servers, &amp ... and that collections are made within agreed credit periods. - Checking every transaction for tax [more...]

Date: 2009-01-08 02:17:23

ScamBuster 284

Hello friend, My name is Scott Whittington, I am an American soldier, I am serving in the military with the 1st Armored Division in Iraq , as you know we are being attacked by insurgents everyday and car bombs.We managed to move part of funds belonging to Saddam Hussein’s family in 2003. The total amount is US$12 Million dollars in cash, mostly 100 dollar bills,this money has been kept somewhere outside Baghdad for some time but with the proposed troop in increase by president Barrack Obama, [more...]

Date: 2009-09-27 07:53:34

The Fed’s Policy Statement – Dissected

I wasn’t able to get to this last night, but here it is, finally, the dissection of the Fed’s Policy Statement and what it means to you regarding mortgage rates (as always, my comments are in bold )… Information received since the Federal Open Market Committee met in August suggests that economic activity has picked up following its severe downturn ( but don’t expect a recovery just yet) .  Conditions in financial markets have improved further, and activity in the housing sector has increased [more...]

Date: 2009-09-24 13:16:15

Deciding Who Should Be In Charge

In the 2008 primaries, when all was said and done, you could say the Republicans simply settled for John McCain as their candidate, by default. Giuliani was a bust – beyond his 9/11 shtick there was nothing there, and he was from New York City, which would never play that well in the south, along with being in his third marriage after two messy divorces, and one of his former wives being a cousin. The evangelical right really didn’t want to have to deal with that. [more...]

Date: 2009-09-30 06:28:40

Happy Fiscal 2010: Loose Lips Daily

As much local politics as humanly possible. Send your tips, releases, stories, events, etc. to lips@washingtoncitypaper.com . And get LL Daily sent straight to your inbox every morning! IN CASE YOU MISSED IT—’ Jim Graham’s Ties to Ted Loza Included Abortion ‘; ‘ Jim Graham’s Decade-Old ‘Taint’ ; ‘ D.C. Gay Marriage Bill to Be Introduced Tuesday ‘ IN LL WEEKLY— The Right-Hand Man : Why has Jim Graham stuck with accused bribee Teddy Loza? Greetings all. [more...]

Date: 2009-10-01 16:48:58

Why IT Based Companies Follow ITIL Best Practices and PCI Compliance Requirements

by Steve Blacks The common problem with IT based companies of today is that their systems are very much prone to a wide variety of changes which oftentimes deliver negative effects. This is why ITIL best practices were developed to help avoid this kind of things from happening. ITIL best practices originated from the set of good practices performed in various public and private sectors. These practices developed a firm foundation through the aid of time which made them most effective. [more...]

Date: 2009-09-26 08:12:09

My Identity may have Been Compromised

I got a notice yesterday that my identity maybe, could have, probably, possibly been compromised. The scariest part of it is the information that was compromised is essentially my entire life, it was a background investigation file. I am fortunate to be close enough to the issue that I know the risk associated with what happened is extremely low if not non existent. Just to be on the safe side I have been provided with 1 year of complimentary credit monitoring. [more...]

Date: 2009-09-29 13:30:32

FreeCreditReport.com Review: Not a Free Credit Report

Have you heard of those commercials on TV that talk about “free” credit reports? These services, such as FreeCreditReport.com are *not* truly free. They offer free trials for a limited time (usually 7 days) but they’re actually paid subscription services after the intro period is over. They’re in the business of credit monitoring and tracking your credit standing. Image by Andre Rolim/Getty Images These services exist to help us keep an eye on our credit reports. [more...]

Date: 2009-09-29 04:01:28

Planet Progress

A few months ago, I was asking the question, who is monitoring global warming ?  I still don’t have an exact answer to that question, but today, I did learn a few things that bring me closer to an answer.  And there is some new data coming out right now that is good news not only for the planet, but also for those of us trying to keep the planet alive.  I may not know the status of global warming, but I can be reasonably sure we are having (for once) a positive impact on it. [more...]

Date: 2009-09-28 19:00:11

Directors no longer need to file home addresses [Jolene *Data Queen* Phillips]

As you're probably aware, as from 1st October 2009, Directors are no longer required to file their home addresses making it harder to do back ground checks when offering credit Please read this article here If you are already credit checking (EVERY small UK Business that's invoices should be credit checking and monitoring their clients) in place, you will agree that having the Directors Home Address is a massive help should you need to do a background check on him (with prior permission). [more...]

Date: 2009-09-29 12:43:19

Fraud Alerts Offered By Credit Monitoring Services

by Jean Nicholson The role of credit monitoring services is to combat that deadly disease which has infested the corporate level already. In terms of identity theft protection, it has gained popularity these days especially on the corporate level. The apprehension of executives to be victimized by the phenomenal crime of all times has strengthened the employment of this special service group to battle such malignant disease. [more...]

Date: 2009-09-28 15:56:46

ScamBuster 287

OFFICE OF THE SENATE HOUSE FEDERAL REPUBLIC OF NIGERIA COMMITTEE ON FOREIGN PAYMENT (RESOLUTION PANEL ON CONTRACT PAYMENT) IKOYI-LAGOS NIGERIA Our Ref: FGN /SNT/STB,ATM CARD NUMBER:4272071234567890 Dear Beneficiary, ATM Card Number; We are giving out a yearly donation of The ATM Card Value of $1.8m,000.00 USD to 5 lucky recipients, as END of Year promotion from the W.H.O,UN, and the EU in accordance with the enabling act of Parliament Headed by Senate President of Nigeria. Mr David Mark. [more...]

Date: 2009-09-30 19:13:48

President Obama And Congressional Liberals Get An ‘F-’ On Economy

The bad economic news keeps rolling in this weekend as we learn a generation of young people may have permanent scars as a result of the failed liberal stimulus bill and its moronic reliance on government jobs programs to lift this nation out of the Great Recession: The unemployment rate for young Americans has exploded to 52.2 percent — a post-World War II high, according to the Labor Dept. [more...]

Date: 2009-09-27 15:27:01

How Debt Management Programs Affect Your Credit Score

Thoughts on managing debt wisely with debt management programs. How do these programs affect your Equifax credit report and score ? I have been a financial counselor for over two years, and here’s one question I often receive from clients: if I implement your debt management program, how will this affect my credit score? People ask this because they wonder whether getting outside assistance to handle their debt could potentially be a strike against their credit. Well, my response is simple. [more...]

Date: 2009-09-30 08:14:35

From Benz To Bumpers: A Brief History Of Auto Safety [Crash Week]

The history of automotive safety engineering is a reflection of society. As society has changed, evolved, advanced and reassessed its values, so too were those values foisted, painfully, upon automotive engineers. Once upon a time, safety was an afterthought. When Carl Benz invented the first automobile in 1885, society paid no mind to the concept of safety. A seat that didn't have razor blade and plague-impregnated upholstery was safe enough. [more...]

Date: 2009-09-24 16:30:00

Scammer/Fraudster calling from 423-272-9183 (Rogersville, TN)

Sally reported a Scammer/Fraudster (4232729183 from Rogersville area, TN) . The following comments were posted: They also called me. I recently opened up a new bank account with Wells Fargo. Thats the only time in the last year that Ive ever done anything with any kind of credit check or anything. They have to be monitoring the new account activity of many banks and such. My advice is do what I do: Dont answer the phone. If its important they will leave you a message that you can believe. [more...]

Date: 2009-10-01 11:06:20

Some Real Estate Points I Want To Share With You

by Paolo Koster Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not, it pays to understand the terms of what the credit card offers before you getting the card. You must also take time to review the disclosures of terms and fees might appear on credit card offers you receive. Basically, business credit card is for the business peoples consumption. Compared to the regular credit card, a business credit card has a high limit plus low interest rates. [more...]

Date: 2009-09-29 13:20:43

Easy Ways To Budget Your Income

By Ozeme J Bonnette While we may know how much money we have coming in, studies show that most of us have no idea what is going out. Not knowing how much money we are spending each month may put us in a position where we need money that we don't have. We may end up using credit cards or getting a payday loan to cover the shortfall. We need to actually monitor our spending habits to find out the best way to maximize our financial resources. [more...]

Date: 2009-09-29 23:02:51

No surprise here; FBI and likely other federal agencies abuse the use of National Security Letters. Support the JUSTICE Act unless the Republicans can do better.

I have been railing against the Patriot Act (which is anything but) since its passage and I physically protested same back when AG Ashcroft visited Salt Lake City in circa 2003. Numerous provisions of that Act signed into law by the SOB (Son Of a Bush) were and remain egregious. The Patriot Act assailed our rights on so many fronts, not the least of which was broadening the use of National Security Letters (NSL). [more...]

Date: 2009-09-28 19:56:34

Twitter Terror

I was amused to read that a draft Army intelligence report identified micro-blogging service Twitter as a potential tool for terrorists ... are our tools: sneakers, sandwiches, credit cards, cars, steak knives, box cutters, cameras, cell phones ... by millions of people every day for wonderful purposes, so we haven’t pursued restrictions on, or monitori [more...]

Date: 2008-10-27 15:12:22

Identity Theft – What You Need To Know

Identity theft is a crime used to refer to fraud that involves someone pretending to be someone else in order to steal money or get other benefits. Are you a victim of identity theft? If prevention works like a lock, identity theft detection can be compared to an alarm. Learn how to detect identity theft. Ben Bernanke is a victim of identity theft. This is proof positive that it can happen to anyone. This article and related links tell you what to do if you are a victim of identity theft. [more...]

Date: 2009-09-27 20:17:50

Credit Repair! You May Have A Bad Credit Rating And Not Even Know It

When we talk about credit repair, most of us believe that repairing our credit rating is directly related to our mis management of our finance s, and in most cases that is true! However, many of us don’t realize that thousands of men and women every year find out they have bad credit due to credit fraud, and if you’re not 1% sure on how this happens, it’s a method by criminal organizations that are stealing your identity and using it for financial criminal activities. [more...]

Date: 2009-09-30 14:31:03

Refinancing Your Mortgage With Bad Credit

by Chris Bird So many people are trying to refinance their mortgages today. A lot of people are doing this because they have lost their jobs and are getting less income. The income from unemployment is only a certain amount of what your income is when you are at work. The only problems with trying to refinance mortgage with bad credit is that they are getting turned down either due to lower income or due to having bad credit. Unfortunately, a lot of people have bad credit and can’t get a loan. [more...]

Date: 2009-09-28 13:05:49

China Sourcing Done Right In These Tough Times.

The weakened economy has served to highlight the renewed need to engage in best practices when securing product from China and Ashton Udall over at ... sources (LCCS) are generally not typical of what we might consider a credit check in the U.S. (i.e. running a credit check through Dunn & Bradstreet), informational audits that can be performed through [more...]

Date: 2008-12-22 11:48:47

Windows Azure and Cloud Computing Posts for 9/24/2009+

Windows Azure, Azure Data Services, SQL Azure Database and related cloud computing topics now appear in this weekly series. Note: This post is updated daily or more frequently, depending on the availability of new articles in the following sections: Azure Blob, Table and Queue Services SQL Azure Database (SADB) .NET Services: Access Control, Service Bus and Workflow Live Windows Azure Apps, Tools and Test Harnesses Windows Azure Infrastructure [more...]

Date: 2009-09-27 21:52:00

DNA Electronics Has a Hand Held Genetic Testing Device - Interview with CEO!

DNA Electronics' SNP Dr. will allow you to find important genes in your DNA in less than 30 minutes. If your computer and your DNA had a baby, it would be the SNP Dr. from DNA Electronics . SNP Dr. is the world’s first hand held semi-conductor device that will be able to read your DNA in about 15-30 minutes. I was able to chat with DNA Electronics CEO Prof. Chris Toumazou who is also the founder of Toumaz Technologies, the company that brought you Sensium . Toumazou let me in on how SNP Dr. [more...]

Date: 2009-09-30 16:28:47

Do I Need To Worry About Learning How To Prevent Identity Theft?

by David Little Unfortunately identity theft is such a big topic especially as we are nearing the holiday season ... ; it is important to check it everyday. You may also want to consider switching to a mailbox ... that people can not piece that piece of paper back together. 2. Hire A Monitoring Company: People fail [more...]

Date: 2009-01-04 11:25:28


Sometimes in this blog business you receive a comment that is just so idiotic, that you have to take the time to not only point out their stupidity, ... that the report the mother made against the foster parents involved “just some scratches and a bump.”  My reasoning for this conclusion, is how would they know what was in the report if they were [more...]

Date: 2009-01-16 20:14:42

Twitter updates for 2009-01-13

@superbadgirl it’s cheaper for NASA to transmit 1kb of data from the Hubble Telescope than it is to send a text message. Crazy ... me to know how much monthly monitoring service costs or they hired an 18 y/o to design the site. # I’ ... # @superbadgirl We were denied Brinks after we bought the house - they said credit was bad. But we just got [more...]

Date: 2009-01-14 05:59:59

Happy Holiday: Watch Out for Credit Fraud!

Credit Fraud I wrote an article on online shopping for office equipment before, and I would like to stress the importance of safe shopping, ... scam that requires me to enter personal info to redeem. Credit cards transaction - do a double check ... to you. If your business accept credit cards payment, be prepared to double, or even triple check [more...]

Date: 2008-12-13 15:13:30

Coverage of Credit Monitoring Services for Corporate Level

Coverage of Credit Monitoring Services for Corporate Level by Jean NicholsonThe role of credit monitoring services in terms of identity theft protection has gained popularity these days especially on the corporate level. The apprehension of executives to be victimized by the phenomenal crime of all times has strengthened the employment of this special service group to battle such malignant disease. [more...]

Date: 2009-09-26 12:43:26

Coins Out, Technology In, With New Meter Lease

Chicago Tribune transportation columnist Jon Hilkevitch had a pretty interesting column Monday, ... that accept coins and move to technologically advanced hardware and systems that will accept credit card ... when a meter has expired. It’s a nice overview of what’s headed our way in the years to come. Check [more...]

Date: 2009-01-15 06:00:10

The erosion of freedom - Government to decide who is allowed mobile phones?

(Note: all views expressed are SOLELY those of the author, and do not necessarily reflect those of Mobileshop.com) [ ... you are, as an anti-fraud measure. It’s pretty standard policy, and it’s also used in the credit check. What’s being proposed here, though, is far bigger and far more insidious than that. Yes [more...]

Date: 2008-10-22 08:22:56

Loose Lips Daily: Fenty Bids Dubya Farewell

As much local politics as humanly possible. Send your tips, releases, stories, events, etc. to lips@washingtoncitypaper.com. And get LL Daily sent straight to your inbox every morning! IN CASE YOU MISSED IT—”Man Dies at City Detox Facility“; “Wilson Building Gift Grab Begins” DATELINE CHICAGO—Morning all [more...]

Date: 2008-12-22 14:47:20

Are We Breaking the Law or Being Broken by Technology?

New technology overcomes old challenges. It also raises new ones. Nuclear plants generate the most electricity but have cleanup questions ... . When giving was by check or cash, it was harder to cheat; cash deposits had to be accounted for and checks left paper trails. Credit card internet giving is the new way around the law. Timmerman writes [more...]

Date: 2008-10-08 19:53:16

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

A Prime Solution to the US Banking Crisis

Chris Whalen runs Institutional Risk Analytics. ~~~~ The past several months have been a blur of activity ... credit CBS’s Bill Whitaker for planting the seed. He interviewed us about four months ago and asked IRA ... assembling an affordable online report, via The IRA Bank Cart, that provides all customers of banks as much [more...]

Date: 2008-11-12 18:00:21

Can You Really Redesign Your Own Life?

Written on 10/15/2008 by David Bohl. David shares the viral message Slow Down FAST and helps people raise the roof on all facets of their lives without risking implosion. Get some must-haves here.Photo Credit: KSquier There are no guarantees that life will turn out the way you want. However, you have a better chance of it turning out how [more...]

Date: 2008-10-15 15:57:04

Naivité RevealedJanuary 14, 2009

I am angry enough that I think my fingers will have cramps after about 2 minutes from the fast and furious typing I will do ... mistakes.Keywords: Free trial.You know, in the age of credit card fraud and identity theft, I always thought I was safe. Yes, I use my credit card to order books on amazon or sign up for netflix [more...]

Date: 2009-01-14 18:47:12

Post-Holidays Ideal Time to Check for ID Theft

We know, we know: that stack of bills on your kitchen table can’t possibly have a bright side. Right? ... . Request a Credit Report Unless you’re planning on requiring one for another purpose (such as a loan) within the next 12 months, now is also a good time to order a credit report. (You may obtain [more...]

Date: 2009-01-17 00:30:01

LifeLock Review

LifeLock is the company that has a picture of their CEO, Todd Davis, ... service guarantee, everything else is free to the public. You May Not Need It If you are diligent ... . They will remember to put fraud alerts on your credit history at the three bureaus every 90 days [more...]

Date: 2009-01-14 12:19:44

Use TrustedID to Fight Identity Theft

With the incredibly rapid growth of ID theft, there have been several businesses that have been formed with the distinct objective of battling this crime epidemic. These ID theft prevention companies essentially lock down your credit bureau ... supply you with annual credit reports from all three credit bureaus, so that you can check to see [more...]

Date: 2009-01-08 04:06:14

Friday Fraudster Mail

I am having difficulty locating local Ministers to work with in the Lord direction. Missionary Program, I have prayed that God will aid me in my search for people to spread his word but now is time to ask your help in this area. Please advise me on what to do [more...]

Date: 2009-01-16 08:26:44

Protection From Identity Theft Is A Must Today

Protection From Identity Theft Is A Must Today By Matthew Stanton on Jan 16, 2009 in Security | comments(0) ... you and you will never know their next target. No matter how vigilant you are criminals are already trained ... before allowing any credit requests. There is also the identity guard review for your credit monitoring [more...]

Date: 2009-01-17 00:19:52


loan_origination_mortgage_fraud_ffiecloan_origination_mortgage_fraud_prevention_response_nelsonRed Flags • Critical loan processing activities, such as  verification of income, employment, or deposit, is delegated to brokers. • Delegated underwriting allowed for correspondents that are new or lack an established track record with the FI [more...]

Date: 2009-01-09 15:33:10

Election Eve Live Blog

Wherein your humble servant comments on and/or links to stories that haven’t appeared here that could have, ... - Here’s the wrap — Check out Tall Cotton’s explanation of why he, despite Barack Obama’ ... illegally and in a South Boston public-housing project, and were monitoring her at the request [more...]

Date: 2008-11-03 23:40:01

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