How To Get Your Free Government Credit Report
Under the Fair Credit Reporting Act, you are entitled to ask for, and receive, a free copy of your government credit report once a year. The FCRA serves to promote accurate information, held in privacy, by consumer reporting companies [more...]
Date: 2009-09-24 11:08:43
Blog posts
(63)
|
Videos
(25)
Delete Nco Financial From Your Credit Report
NCO Financial is headquartered out of Pennsylvania. They have been operating since the early 1920’s ... process. The Fair Credit Reporting Act that congress passed and continually amends was created ... a listing on your credit report it will have hurt your credit score. You should take action [more...]
Date: 2009-01-04 04:30:07
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 ... Reporting Act's prohibition on using credit reports for target marketing would offer consumers ... advertising based on a user's browsing habits."FTC has a new website on telephone fraud [more...]
Date: 2008-06-05 22:00:33
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
Credit Repair Firms In Crosshairs of Federal Trade Commission
Credit repair, or how to make your credit report lie, is not something you want to get involved with ... that deceptively claim they can remove negative information from consumers’ credit reports, even ... , the Commission charged seven operations with violating the FTC Act and the Credit Repair Organizations Act [more...]
Date: 2008-10-24 19:46:53
Conducting Pre-employment Background Checks
With the infinite amounts of information being passed on the Internet today, ... records, credit records and many more. Under the Fair Credit Reporting Act (FCRA), some background check ... credit card frauds are happening in the information superhighway at an alarming rate. Though a lot [more...]
Date: 2009-01-16 18:24:08
Credit Repair After Bankruptcy
by Matt Douglas If you have a bankruptcy on your credit report you probably feel like there is no way to escape a low score ... to popular belief this mark can be removed from your report and without waiting 10 years. To remove ... when they investigate a dispute, thus the listing will not be verified. The Fair Credit Reporting Act says [more...]
Date: 2008-12-26 10:12:42
Big Dan's Big News Jan 13, 2009
Sarah Palin is #1 at something: the most LOATHSOME PERSON!!!50 Most Loathsome People List#40. Free Credit Report ... you can get a free credit report: It’s called annualcreditreport.com, and it was created in compliance with an act of Congress by the three big credit reporting agencies, Equifax, Experian and TransUnion [more...]
Date: 2009-01-13 08:00:00
Free Credit Report - A Website Typo Could Be Costly
In 2003, Congress passed the Fair and Accurate Credit Transactions act (FACT) ... annualcreditreport.com or which contained the phrase “annual credit report.” Since it is quite easy ... , which made it possible for consumers to obtain a copy of their credit report for free. In fact [more...]
Date: 2008-12-28 05:24:36
What are my Credit Rights?
Knowing your credit rights as a credit card holder will be your guide and protection against unlawful practices that may be committed by creditors and debt collectors. The Fair Credit Reporting Act (FCRA) has made distinct stipulations with regards to promoting the accuracy and confidentiality of consumer credit reports. Let’s discuss [more...]
Date: 2008-12-22 06:55:21
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
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 ... possible accuracy." It also requires employers to give a copy of background reports to rejected [more...]
Date: 2008-06-03 17:50:00
The Importance of Background Checks
It is important for all businesses considering hiring someone to take the critical step in performing a background check ... Credit Reporting Act, some information cannot be used in conjunction with a background check ... at some level. This may range from handling social security numbers, credit card information, drivers license [more...]
Date: 2009-01-02 03:49:50
Explore criminals
There is an interesting site called www.SentryLink.com where you can find the records of dangerous criminals and order a Criminal Background Check ... a criminal Background Check for employment purposes, the Fair Credit Reporting Act requires you to obtain ... background check is a comprehensive Criminal Check showing felonies, misdemeanors, sex offenses [more...]
Date: 2008-12-11 13:18:40
Metastasis of the Corporate Panopticon
In a report on how corporate spying and data mining contribute(d) ... of that data has been regulated by the Federal Trade Commission under the Fair Credit Reporting Act ... in the trash. The attributes of the people who bite on the offer, like their credit card debt, cash [more...]
Date: 2008-10-22 17:13:59
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 ... against individual's for theft - violent or not. Its kind of interesting - the FTC reports identity ... . The rules stem from FACTA - Fair and Accurate Credit Transactions Act. In some sense [more...]
Date: 2008-10-17 11:15:18
Data Mining and Credit Profiling: How Lenders Lure You to Borrow
Although responsibility for every penny of debt ultimately rests with the borrower, ... the Fair Credit Reporting Act. But Equifax and its rivals started offering new sets of unregulated [more...]
Date: 2008-10-28 12:00:54
Why Does FACTA Matter to Me?
FACTA stands for Fair and Accurate Credit Transaction Act. FACTA is the law which allows any American access to their credit report once per year. The law went into effect Jan. 1, 2005. So what does [more...]
Date: 2009-01-02 09:00:07
Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!
by Addison Wiggin & Ian Mathias Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga Even the ... -Ukraine gas dispute not yet over… a reader provides firsthand account And… action ... $30 billion to stay afloat, analysts at Morgan Stanley predicted today. According to Morgan’s report [more...]
Date: 2009-01-14 07:36:46
S.J.Res. 5: A joint resolution relating to the disapproval of obligations under the Emergency Economic Stabilization Act of 2008 ... authority to spend $350 billion to revive sluggish credit markets. CBO: Troubled Asset Relief Program (TARP) Report CBO is required by law to report semiannually on OMB’s assessment of expenditures under [more...]
Date: 2009-01-16 19:13:29
If Your Kid Loses His Wallet...
A picture of a wallet. In addition to a driver's license, teens today carry many of the same things adults carry in their wallets: credit cards, ... alert on your accounts. Report the loss to the fraud department at your bank. Review your credit ... need to know what to do if their wallet or purse is lost or stolen — and they need to act quickly [more...]
Date: 2009-01-16 05:45:56
What are your alternatives for filing bankruptcy?
The term ‘bankruptcy’ conjures up an image of someone publicly disgraced and broke ... for long. It will remain on your credit report for nearly 10 years due to which no reputed lender ... as a part of the Insolvency Act of 1986 and is a legally approved debt solution. When you opt for an IVA [more...]
Date: 2009-01-16 08:28:53
Credit Crisis Sequel, Global Bank Bailout, Emerging Markets Still a Buy?, Gas Wars and More!
Ghosts of the fourth quarter haunt global financials… so begins the second act of the credit saga… Even the IMF needs a loan… $150 billion to back ... and notprofitable) segments of the business. Robert Rubin, who among other things helped create this “ ... predicted today. According to Morgan’s report, profits at HSBC will decline “sharply” this year [more...]
Date: 2009-01-16 15:28:24
Why banks shouldn't be given government help.
Banks are the property of their shareholders, and may act in accordance with the best interests of their shareholders in mind ... of my payment history. I have never missed a payment. When you pull up a TransUnion credit report ... from a bank recently. You may have heard about banks calling in lines of credit. Essentially [more...]
Date: 2008-12-19 19:18:31
Tron Sequel Will Be In 3-D
As Dom was kind enough to report earlier, the acting line-up for TR0N 2/TRON 2 ... commercial director Joseph Kosinski (whose only IMDB credit was once being attached to the LOGAN’S RUN ... person view from inside a light cycle, which should be pretty spectacular. tron_game_reactor [more...]
Date: 2008-12-21 19:32:27
‘A fundamental reboot’
I’m at the final plenary session at the World Economic Forum Global Agenda Councils meeting in Dubai ... has not been equipped to act quickly enough to forestall those crisis in food and credit. So it seems ... began, of course, with a report from a cluster of councils on finance. Suzanne Nora Johnson [more...]
Date: 2008-11-09 07:15:52
Police refuse to release DNA report
I have to give the Baltimore Police Department credit for great timing ... , they decide that a report detailing problems in the department's DNA lab, which have already led ... is exempt under the Maryland Public Information Act citing a provision that says certain documents [more...]
Date: 2009-01-09 12:06:58
Hurry...$7,500 Home Credit Ends July 1st
In my July Market Report, I mentioned that The American Housing Rescue and Foreclosure Prevention Act includes provisions to help homeowners keep their homes.Another provision provides a tax credit of up to a $7,500 (10% of the purchase price ... $500 per year, depending on the amount of credit you claimed.This important credit applies to homes [more...]
Date: 2009-01-04 11:50:00
Ballmer: Yahoo 'search deal makes great sense'
Microsoft CEO Steve Ballmer on Friday said a search deal with Yahoo would be better if done sooner than later, ... to a report in The Wall Street Journal. Qi Lu, former Yahoo search executive (Credit: Yahoo ... no pressure to act on such a transaction. He added, however, it would be "advantageous" for the two [more...]
Date: 2008-12-07 23:55:01
First Reports - 11/26
Happy Thanksgiving, Y'All! Goldman's FDIC-Backed Offering A Roaring Success - - - Originally set to raise $2bn in FDIC-backed bonds, ... and Accurate Credit Transactions Act of 2003 - - - In accordance with the Red Flags Rule of the FACT Act, which is under the jurisdiction of the Federal Trade Commission (FTC), FINRA member firms [more...]
Date: 2008-11-26 19:56:08
Budgetary Costs
133_ford_f_150_fx_2_sport_1.jpg CBO report makes the point that the budgetary cost of spending $X from the TARP fund on its original ... specified in the Federal Credit Reform Act, with an adjustment to account for market risk ... years after disbursement and 9 percent for remaining years. In view of the recent deterioration [more...]
Date: 2008-11-19 19:12:21
Credit Crunch Worsened by Junk Lawsuits
The Commerce Department released an interesting paper yesterday on competitiveness and legal costs. It’s conclusion: support U.S ... this year ACT released a report on the importance of foreign direct investment to innovative technology [more...]
Date: 2008-10-30 18:32:47
Amici Brief Exposes Risk to CA Businesses if Gay Marriages Annulled
Amici Brief Exposes Risk to CA Businesses if Gay Marriages Annulled January 16, 2009 By: jaysays Category: ElectionO8, Gay Marriage Rights, ... , they: extended credit in reliance upon California’s laws applicable to community property ... Continuation Benefits Replacement Act; took advantage of state tax reporting privileges based on married [more...]
Date: 2009-01-16 23:00:29
The COntroversy Begins: Service Woes at Lahey's Newest
co.jpg The Scene Outside Co. on Saturday Night Photo Credit ... , you're not Una Pizza yet Co.; better get that act together. From the comments:"Last night ... reports to see if Lahey has smoothed it all out. · Monday Opening Report: Co. ~E~ · All Co Coverage ~E~ [more...]
Date: 2009-01-07 19:58:00
Chipmakers Want a Bailout Too
The Semiconductor Industry Association said today that chips sales were up 5 ... growth. Citing a recent Credit Suisse report, the association said PC unit sales were up 9.1 percent ... of chips go into consumer devices, the U.S. Congress needs to act to stabilize the economic situation. SIA [more...]
Date: 2008-10-02 13:52:44
New blame emerges for mortgage crisis
Researches from the Federal Reserve Bank of New York have issued a report blaming the 2005 bankruptcy reform act for our current mortgage crisis ... . They say that the legislation, (which forced more well-to-do households, filing for bankruptcy, to file under Chapter 13 instead of Chapter 7), took the risk away from credit card lenders, shifting it [more...]
Date: 2009-01-13 22:03:02
CDS report: Rate cuts lift mood
Credit markets rallied strongly Thursday morning after the 50 basis point rate cut from the US Federal Reserve, cuts from China and Taiwan and indications from central banks that they would continue to act against recession boosted sentiment across markets. The cost of protecting corporate debt against [more...]
Date: 2008-10-30 12:24:52
MortgageNewsClips: Ira’s Best Must Read, Loan Mods R Ezier, CU Rescue, 33 Act & Lawsuits, Only 4 Homes?, Right & Wrong, Diane Swonk, Chris Whalen, Denying Blame, 5 more
ANOTHER MUST READ - Ira Artman has a thoughtful post on the future of securitization and the revival of ... is foreseen. … - Reuters 2. Regulators preparing rescue of credit unions: report - Federal regulators are preparing a rescue plan to shore up the finances of some large credit unions, using [more...]
Date: 2008-12-11 01:54:43
Jon Stewart catches Hank Paulson in a tortured flip flop
Download | Play Download | Play When Hank Paulson first went to Capitol Hill last month with hat in hand, he flat out rejected the "Japan model" ... for us, Jon Stewart was there to catch him in the act. Stewart: So what are we gonna do to ease the credit ... be so desperate to try that... ABC News Report: Treasury Secretary Hank Paulson plans to [more...]
Date: 2008-10-14 23:00:14
CBO: $64 Billion "Subsidy Cost" for TARP
From the CBO: The Troubled Asset Relief Program: Report on Transactions Through December 31, ... to those specified in the Federal Credit Reform Act (FCRA), but adjusting for market risk as specified [more...]
Date: 2009-01-16 19:49:06
Hey John and Barack: Tell Us the Name of Your Treasury Secretary!
I need to give credit to the various radio stations I report for who made great suggestions about how we should be making economic decisions ... be, and then ask them to debate. What a novel idea! The voting public will be exhibiting a high act of trust [more...]
Date: 2008-10-02 01:30:58
Meri’d To Sports
Meredith Photo credit: Ed McHugh So I got 1 of 4 right this weekend… I mean who would of thought The Cardinals would beat the Falcons ... saying it’s a strained groin. “It’s a strained groin. That’s what our medical report is,” Chargers coach ... to stand up here and act like one.” Asked if he was advised to have surgery, he said: “I can’t answer [more...]
Date: 2009-01-06 19:43:07
Things I’d Like to Post About Today …. (112108)
….. But I Don’t Have Any Time For: CNS News — “Catholics Who Vote for Freedom of Choice Act (FOCA) ... pct (of) jobs in ‘09.” Absent a sea change to fair, balanced, competent reporting, I support nine ... yet another reference to “choked credit” in the AP article I linked to in my “Couldn’t Help [more...]
Date: 2008-11-21 13:39:41
"The Alchemy of Deceit"
The Alchemy of Deceitby Teeka TiwariChief Investment Officer, Point and ProfitSource: The Tycoon Report, ... of a 60-year super bubble fueled by a supply of easy credit that has now disappeared forever.So it’ ... the world" act just doesn’t wash with me.So what is the Big Man's agenda? Could he be playing [more...]
Date: 2009-01-15 00:19:00
Fear and loathing for Kamunting
Fear and loathing for Kamunting June 8, 2008 By Helen Ang _____________________________ GMI president Syed Ibrahim Syed Noh hazarded ... . Delineated above are options, (a) credit the event organizer, (b) use own eyes, or (c) employ ... popular link in theSun Online. It reported the Taiping district police chief saying, “We will act [more...]
Date: 2008-06-08 08:16:01
Xmas, Justice and Vince Cable
A short Xmas day post as I don’t want to seem too obsessive. First, thanks to Ben for sending me this fascinating polling report ... their children presents because they had been bad we would consider it almost an act of emotional abuse. Maybe ... to predict and warn against the credit crunch. If there was any justice Vince Cable’s prescience would [more...]
Date: 2008-12-25 11:26:16
Wal-Mart: Discounted Workers’ Rights
Photo credit: Sharon Terry/Flickr New Yorkers protest Wal-Mart's labor policies. Barb Kucera, editor of Workday Minnesota, sends us this report on Human Rights Watch's ... the Employee Free Choice Act will protect workers' freedom to form unions and bargain for a better [more...]
Date: 2008-11-06 19:25:00
How Subprime Borrowing Fueled the Credit Crisis
By Shah Gilani Contributing Editor Money Morning/The Money Map Report Once upon a time, generous-minded social engineering resulted in the Community Reinvestment Act, which forced banks to lend... Money Morning is here to help investors profit handsomely on this seismic shift [more...]
Date: 2009-01-12 23:52:27
Green Ink: Tough Times for Tesla
Crude oil futures slipped to $71 amid signs of weakening demand in 2009, Bloomberg reports, ... up some of Chesapeake’s gas leases, both in the WSJ (sub reqd.). The credit crunch scores another casualty ... a pollutant, opening the door to emissions regulation under the Clean Air Act. The economic meltdown [more...]
Date: 2008-10-16 12:00:50
Eric Margolis: Send America to Rehab
For the complete report from The Huffington Post click on this link Send America to Rehab The US economy must be weaned off credit addiction ... . The economy needs a period of austerity in which remaining credit bubbles, bad debt, and financial ... is a sign of utter desperation and an act of folly. Once investors realize that Europe, Canada [more...]
Date: 2008-12-26 20:28:55
