Beware of “Fishy” Emails…. Protect Yourself Against Identity Theft

By:  LINDSEY O’NEILL, ESQ. I get them all the time - those pesky emails that appear to come from my bank, credit card company, ... confidential information so they can run up bills on your credit cards, take out loans, obtain new credit ... fraud alerts on your credit files. Monitor your credit files and account statements closely. • Report [more...]

Date: 2009-01-02 13:42:02

Blog posts (169) | Videos (43)
 

What is my fico score?

The following post in our Reader Question series is an actual user submitted question ... of Equifax’s credit monitoring service. You get your Equifax FICO score as well as all three bureaus’ credit reports plus 3-bureau credit monitoring and some other goodies. It’s a great service so you may [more...]

Date: 2009-01-14 18:46:28

Weekend Links - I Want a Volkswagen Bus edition

Today, my wife and I drove 7 hours from nearly San Deigo back to our home in San Francisco ... , a post based on the US economy, zombies, and the girl in the photo. True Credit review - how I use the credit score & credit report monitoring service from Money Smart Life offers many reasons [more...]

Date: 2008-07-21 05:37:39

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

Free- One year of Triple Advantage Credit Monitoring, Experian Scores and Credit Reports from MSN Money

Edit: 11/26/08-I’ve received an email that someone just tried to sign up, and apparently they have reached the 10, ... with Experian and the National Foundation for Credit Counseling (NFCC) are “working to raise awareness about the importance of credit monitoring” by giving away 10,000 free one-year memberships to Experian’ [more...]

Date: 2008-11-26 04:39:56

Reminder: 9 Months of Free Credit Scores + Monitoring

One of the three major credit bureaus, TransUnion, lost a $75 million class-action lawsuit a while back, ... unlimited daily access to your TransUnion credit report and credit score, as well as e-mail alerts when something changes. This is a good way to know when someone is pulling your credit report [more...]

Date: 2008-09-11 11:20:31

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

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

Your Credit Score, Your Sanity

I decided to sign up for credit monitoring at www.myfico ... that paying off a collection account will not remove it from your credit report. It will stay ... from your credit report. If the debt has gone unpaid for 7 years, then it can no longer legally remain [more...]

Date: 2009-01-04 02:41:50

How You Can Stop Identity Theft

The FTC recently released a list of top consumer fraud complaints received in 2007 and not surprisingly, identity theft topped the list for the eighth year in a row at 32% of the overall complaints. Consumers reported over $1.2 billion in losses last year, even though there are many ways to fight identity theft . While we can’t be expected to live an exceedingly paranoid existence, we can be smart by monitoring our free Experian credit report. [more...]

Date: 2009-06-18 19:02:05

Target 800 – Credit Score (pfblogs.org)

Because of an identity theft incident, I subscribe to Equifax's credit monitoring services. While reviewing my credit report for any problem entries, I noticed Equifax is offering Scorewatch free for 30 days. Well – I haven't hit my target of 800, but things aren't bad. Has anyone made [more...]

Date: 2008-08-31 02:04:17

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

Benefits of Identity Theft Shield

Attorney General John Ashcroft called identity theft as “one of the fastest growing crimes in the United States”. Federal Trade Commission (FTC) ... can hire credit-monitoring services that alert them when there are changes in their credit report ... are there to fight for you. To prevent identity fraud, experts recommend that you review your credit repo [more...]

Date: 2008-12-27 18:30:03

Free Credit Report

Most individuals only think of credit scores if they are applying for loans ... score by keenly monitoring the credit ratings and identifying any problems and discrepancies in the process. In addition, the site also gives idea to people about the factors affects my credit score [more...]

Date: 2008-12-31 02:11:23

Internet Identity Theft: How to Stay Safe

Identity theft is an issue that we all need to take seriously ... out. Another way to prevent identity theft is by monitoring your credit report. Keep an eye ... will have no problem accessing your personal information. He can use it to ruin your credit rating, which [more...]

Date: 2009-01-04 16:50:25

Business: FreeCreditReport.Com is not free

We have all seen the ads on TV or heard them on the radio for FreeCreditReport.Com.Well, I tried it and indeed got my credit report ... really free.Right there on their home page is this:IMPORTANT INFORMATIONWhen you order your free report here, you will begin your free trial membership in Triple AdvantageSM Credit Monitoring [more...]

Date: 2008-12-13 15:50:00

Why Monitoring Your Credit Score Is More Important Than Ever Before

Are you considering the process of repairing your credit? One of the most important things you can do, apart from getting errors and mistakes removed from your credit report, is to keep your credit... Writers Wanted: Join Our Blogging Community Today! [more...]

Date: 2009-09-29 19:25:22

New Feature: Cutback Tool Helps You Save On Recurring Monthly Expenses (Or How I Caught WaMu Skimming My Savings)

Looking for a quick, sustainable way to make a positive impact on your bottom line? ... . Several beta testers reported charges of $14.95 for freecreditreport.com, a credit monitoring service ... . If you choose to cut an expense, we’ll show you how long you have to cancel the service before [more...]

Date: 2009-01-14 17:23:46

Wesabe introduce labs and cutback tools

Wesabe just keep the good stuff coming - ok I admit I am a fan but they are worth it ... |Wesabe blog several beta testers reported charges of $14.95 for freecreditreport.com, a credit monitoring service they understandably thought was actually free (let’s see…wouldn’ [more...]

Date: 2009-01-14 23:25:46

Using TrustedID to Stop Identity Theft

ID theft is a rapidly increasing crime and there are several companies that are ready to help you not be a victim. These ID theft protection services essentially lock down your credit report so that you are notified whenever a new credit account is opened in your name. These companies also monitor various [more...]

Date: 2009-01-14 06:35:12

Quickies: Paid Survey Links, Costco AmEx $10 Bonus, Free Credit Monitoring

Here are a few more tidbits that may be of interest: E-Rewards Signup Links E-Rewards is a paid survey site that is only open via invitation ... ). This includes free access to your credit score in addition to the report, as well as e-mail alerts ... plan automatically with the card. This card is one of the better gas rebate credit cards. 9 Months [more...]

Date: 2008-06-16 07:27:36

myFiCO Credit Score Watch - 30 Days FREE Trial Promotion

This post is written and copyrighted by FIRE Finance (http://firefinance.blogspot.com). myFiCO Credit Score Watch ... of us new to Score Watch, it's a tool used to: » monitor important changes to our Equifax credit ... or when we qualify for a better interest rate » alert us when unexpected changes to our credit report [more...]

Date: 2008-09-15 01:09:38

‘Extreme Makeover’ renovated home likely rescued from foreclosure

Photo credit: Sitescape, Inc. Photo credit: Sitescape, Inc ... totally remodeled, featuring cameras and flat-screen monitors that let them monitor their son, according to an Associated Press report. The Web site goes on to say that “the lives of the lucky [more...]

Date: 2008-12-15 18:09:57

Pressure Transmitters & Sensors

Pressure Transmitters & Sensors Whether you need Absolute, Gauge or Differential Pressure; Pneumatic, Electronic or Multivariable; Remote Seals, ... About Pharmaceuticals & Personal Care... 5 Report: Credit Crunch Cuts 13% From US Water ... To Cholera... 7 Cell Phones Using Lens-Free Imaging Promise To Improve Health Monitoring [more...]

Date: 2009-01-14 15:30:26

iPhone Catches Another Criminal

       Last week it was reported that iPhone owner Rob Greene’s MobileMe account helped lead police to his stolen smart phone ... before being apprehended by authorities, who were monitoring Frederick’s credit card purchases. They were caught after buying an iPhone 3G with the deceased senior’s credit card. The thickheaded thief [more...]

Date: 2008-12-31 12:40:21

This Could Be a Good Idea

Yesterday, Barry announced he’s creating the post of “Chief Performance Officer” to monitor spending ... credit for saying the right things, even if she can’t back it up. ... “Killefer, the director ... in the U.S. Governement. The final report, the “Grace Commission Report” reported that roughly 33 [more...]

Date: 2009-01-08 17:32:23

source: Mmegi Business ReporterBusiness Monitor International (BMI), which is facilitated by British global market researcher Companiesandmarkets ... of the ongoing financial turmoil on global markets and resultant credit crunch.A recent report by the Pan ... of the current economic difficulties,” BMI said in its Botswana Mining Report Q4 2008. In the repo [more...]

Date: 2009-01-13 14:36:06

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

Another reason to love Maine

A recent breach report on The Office of Inadequate Security described a mailing error breach involving the Finance Authority of Maine ... our apologies, and offer the credit monitoring service. This being Maine, we also have heard stories [more...]

Date: 2009-01-15 13:46:10

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

Unmasking Obama…Obama’s Work Ethic….

It is now abundantly clear that the image of Barack Obama sold to the American electorate was tightly edited, air-brushed, and exaggerated. He has worn a series of masks — eloquent orator, brilliant scholar, centrist, and literary sensation. All of these masks are coming off as he copes with a job for which image will not suffice.  For instance, hiding behind the eloquent orator mask is a guy who says “uhh” a lot when he is winging it, and who makes lots of factual and grammatical mistakes . [more...]

Date: 2009-09-30 11:18:50

Montes de María (3): The CCAI and its challenges

This is the third and final installment of posts about our July 2009 visit to the Montes de María region of northern Colombia. It wraps up a longer series of initial observations of Colombia’s U.S.-supported “ Integrated Action ” (or “consolidation” or “fusion center” or “CCAI” or “Plan Colombia 2″) counterinsurgency or state-building programs. These will be boiled down to key points, laid out and presented as a CIP publication within a couple of weeks. [more...]

Date: 2009-09-28 21:31:10

UK: Council hires hoodie spies to rummage through bins and see what is being thrown away

Hey, Toronto: guess what those RFID scannable and barcoded garbage bins you just got this year are for? Note the standardized appearance of the bin in the photo below. And garbage seizure? We’ve our own set of ridiculous rulings in place now authorizing the same: Flashback: Toronto: New bin regime spawns new rules, confusion for avid recyclers | Trash search doesn’t violate privacy rights, says top court | London Police Encourage Citizens To Inform on Neighbour’s Garbage | UK Slips New [more...]

Date: 2009-09-28 15:05:14

Credit Services

October 1, 2009 | By Sara Bernard In Finance | by Sara BernardThe recent economic downturn and financial crises have left many people with destroyed credit. Some credit repair companies are making outrageous claims that they can instantly repair credit. You need understand what these credit repair companies intend!If you want to start a credit repair process, the first thing you should do is find your credit report. It is widely available online due to a new law. [more...]

Date: 2009-10-01 21:25:56

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

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

Words from the (investment) wise 9.27.09

Words from the (investment) wise for the week that was (September 21 – 27, 2009) After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 12:05:27

Banks Still Love Credit Default Swaps

File this under Same Shit Different Day. I came across this article today on HuffPost: Banks Still Trading In Risky Derivatives . The articles is OK but the links to the Office of Comptroller of the Currency website are great. I found a new report: OCC's OCC’s Quarterly Report on Bank Trading and Derivatives Activities Second Quarter 2009 (pdf file). I am kind of slow so this report may not be old news to most EP people. First, the press release that accompanied the report: U.S. [more...]

Date: 2009-09-28 19:53:37

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

Obama’s Work Ethic

Obama’s Work Ethic By Ed Lasky Barack Obama has displayed a disturbing pattern of work ethics: shirking work; claiming success when he was not entitled to do so; hiding his failures; and claiming the work of others as his own — when it was successful. These are not character traits that we should associate with Presidents. Barack Obama won praise for Dreams From My Father , a 1995 memoir of his life that was published when he reached the grand old age of thirty-four. [more...]

Date: 2009-09-30 13:29:21

Text of Kerry-Boxer Clean Energy Jobs and American Power Act, The Senate's Cap-and-Trade Climate Legislation

A SUMMARY OF THE CLEAN ENERGY JOBS AND AMERICAN POWER ACT AS INTRODUCED September 30, 2009 SECTION 1 . SHORT TITLE ; TABLE OF CONTENTS . This Act may be cited as the “Clean Energy Jobs and American Power Act”. Sections 2. Findings. Describes the impacts of climate change and the benefits of transitioning to a clean energy economy. Section 3. Economywide Emission Reduction Goals. Establishes targets for reducing global warming pollution. Section 4. Definitions. [more...]

Date: 2009-10-01 12:11:00

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

Words from the (Investment) Wise (Sept. 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 14:33:29

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

Free Identity Theft Monitoring for AAA Members

If you’re an AAA member in California, Hawaii, New Mexico or Texas, you’re suddenly eligible for a free credit monitoring service, provided by Experian. While I was looking through the fine print (a free service for you provided by ConsumerismCommentary.com), I found this, which gave me pause: You are receiving a complimentary credit monitoring membership. Your membership is effective for the period disclosed to you when you received your activation code. [more...]

Date: 2009-09-29 11:56:15

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

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

Words from the (investment) wise for the week that was (September 21 – 27, 2009)

After hitting its best levels of the year on Wednesday ahead of the Federal Open Market Committee’s (FOMC) communiqué, the S&P 500 Index ran into heavy weather on the realization that the Fed could start scaling back on emergency support of the economy. US equities dropped further later in the week on renewed concerns about the state of the troubled housing market and weaker-than-expected durable goods orders. [more...]

Date: 2009-09-27 07:51:48

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