Popular Tags, Blogs, and Videos about credit reporting

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

Blog posts (56) | Videos (40)

Repossessed Car Owners Shocked After Being Sued By Car Lenders

The latest in reality shows is Operation Repo, a team of “highly paid professionals” in the San Fernando Valley of California who repossess ... $2000. According to the Fair Credit Reporting Act, an auto loan deficiency debt can remain on a credit report for seven years. States have different statutes dealing with the amount of time [more...]

Date: 2008-12-29 15:51:27

As I wrote last year, regular checks of your credit report are an important as aspect of fiscal management and under the Fair and Accurate Credit ... , and TransUnion to provide consumers with one free credit report per year. The official website through which ... AnnualCreditReport.com. Thus Americans abroad remain unable to exercise their legal right to [more...]

Date: 2008-12-31 17:23:16

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

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

So Who Should We Believe?

The Securities and Exchange Commission (SEC) just released its voluminous report totaling more than 200 pages that investigated whether fair value ... ."The next day a group of insurers say just the opposite in its report."The application of fair value ... that fair value measurements caused the global credit crisis, "unreliable, and non-transparent fair va [more...]

Date: 2009-01-05 18:54:00

Tips For Your Credit Report

by Jim Bransby A personas credit score can tell a lot about a person and it can even help someone make life changing decisions ... credit report sites. One site will give you the FICO score which was produced by the group Fair Isaac ... an individual will be able to receive a full report of their credit history and what exactly is showing [more...]

Date: 2008-11-25 15:00:21

4 Free Reports With Your Personal Insurance, Employment, and Tenant History

Most of us know about the free credit reports from AnnualCreditReport.com. This is mandated by the Fair and Accurate Credit Transactions (FACT) ... of information contained in private corporate databases. But in addition to credit information ... report free every rolling 12-month period. Insurance Claims History If you would [more...]

Date: 2008-06-04 11:08:42

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

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

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

US Just Turned Off Its Financial Crisis ‘Early Warning System’

By relaxing the US financial system’s mark-to-market accounting standards, ... in a recent report, Bloomberg News reported. “Blaming fair-value accounting for the credit crisis ... know that a global credit crisis was brewing, says Jennifer Yousfi in Money Morning. As part [more...]

Date: 2008-10-08 13:26:36

Learn To Build and Manage Your Credit, While You’re Young

Everyone tells you that these are the best years of your life ... credit bureaus—Experian, TransUnion, Equifax. Your financial activities dictate your FICO (Fair Isaac ... established credit. Bounced checks mess up your credit report, so use that check-writing feature wisely [more...]

Date: 2008-08-16 03:56:51

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

Helping Yourself Qualify for a Home Loan

There are a fair number of specific helpful suggestions to make in helping you purchase a home. All of them revolve around the loan ... , but if you don't have at least two open lines of credit, a given reporting bureau may not report a score ... thing is to get a credit score above 720. If you're there already, keep doing what you're doing [more...]

Date: 2008-06-20 13:39:52

5 Credit Questions with Fair Isaac’s Barry Paperno

Following my guest post on my good friend JD’s Get Rich Slowly about How to Prepare for Buying a Home, ... it needs to be — particularly if errors on the credit report ... , otherwise known as your credit score, which is probably one of the the most important numbers you need [more...]

Date: 2008-09-23 16:11:34

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

Christina Ricci is a Bikini Babe

Christina Ricci is a Bikini Babe Wed, 03 September 2008 Bikini-clad Christina Ricci hits the beach ... months until June when his lease ran out and the feds arrested him, according to a new Vanity Fair report ... Credit: Revolutionpix; Photos: INFdaily Share [more...]

Date: 2008-09-03 16:43:06

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

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

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

Poll: 11 percent say Bush will be remembered as above average president

The news comes the latest poll from the Pew Research Center ... at least a fair amount of credit for preventing more terror attacks." The report provides a fairly ... . A bright spot for Bush: "In the final year of his presidency, even as his approval rating [more...]

Date: 2008-12-19 21:57:25

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

The Birth of the Global Dictatorship

Dandelion Salad by James Corbett The Corbett Report 12 October, ... to confront the crisis that has frozen credit markets around the globe. Now the World Bank President ... Report FAIR USE NOTICE: This blog may contain copyrighted material. Such material is made available [more...]

Date: 2008-10-13 10:35:21

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

A Child’s Chances of Success in Life Still Depend on Family Income

A child’s chances of success in life still depend on family income, according to new research ... schools. Mr Clegg said: “This expert analysis shatters the idea that Britain in 2009 is a free and fair society. “Martin Narey and his colleagues deserve enormous credit for a report that cannot [more...]

Date: 2009-01-14 09:30:22

There are two conditions that must be met

by Rem The term ‘real estate short sale’ is being bandied about more and more as of late ... a foreclosure on the credit report. On the other hand, a truly savvy investor can take advantage ... are experiencing what is fair to call a market meltdown. It is because the market is so inhospitable [more...]

Date: 2009-01-07 21:25:24

How to Hide Debt with Pension Accounting

Pensions involve promises made to employees that if they work for the company over some minimum period of time, ... terms, and it should report the fair value of the assets held in the pension plan. Among other things ... the firm properly and accurately. Pension accounting takes credit for being one of the most difficult [more...]

Date: 2009-01-14 06:38:47

Media Conveniently Quiet On Low Gas Prices

I know shocking, right?  Not really.  The Ron Burgundy’s of the world have moved on to something other doom and gloom to report on ... for the increase in prices will now credit him with the reduction in prices. It’s only fair,” said Don [more...]

Date: 2009-01-06 23:32:55

Amy Winehouse is a terrorist target

90107x4_winehouse_a_b-gr_01 In February’s Vanity Fair, ... of this terrible report, but do the terrorists know they’re targeting someone who is already intent on killing herself? Amy Winehouse is shown on vacation on 1/7/08 (photos without the rugby guy; credit [more...]

Date: 2009-01-09 20:42:20

Karl Rove has nice things to say about whom? (His initials are B.O.)

John McCain, of course. But also Barack Obama. The GOP political strategist and Fox News commentator who guided George W ... have more to report on Rove's remarks. -- Leslie Hoffecker Photo credit: Getty Images ... . Bush into two terms in the Te Karl Rove offers a fair and balanced assessment of Barack Obama's [more...]

Date: 2008-07-28 05:00:35

The British have lost the will to fight.

To put it in more correct terms, British leaders have lost the will and stomach to order their troops to fight ... “If a fair-minded account of the Iraq war is written, credit should go to President Bush for rejecting two years ago the report by the bipartisan Iraq Study Group that called for force reductions [more...]

Date: 2008-12-22 00:26:09

If you rattle the begging bowl do it with dignity

From the FT’s report on the implications of devolving policing and justice ... . We are not prepared to put up the money.” No doubt there’s a proper financial case to be made. Fair enough ... for normal behaviour. To give them credit Peter Robinson, Martin McGuinness and Nigel Dodds adopt [more...]

Date: 2008-11-21 17:04:38

If It Stops Moving, Subsidize It

Naturally, now that government plans to intervene in the economy with a massive stimulus package, everyone wants their “fair” share. Robert D ... that wouldn’t be there otherwise.  A new report by the Information Technology and Innovation ... grid. And a Silicon Valley petition calls for a tax credit for companies that spend more than 80 [more...]

Date: 2009-01-06 03:15:11

AUDIO: Frank Beckmann hosts Michigan Messenger

Give the conservative talk show host Frank Beckmann credit for having Michigan Messenger on the air Tuesday to discuss reporter Eartha Melzer’s report on Republican Party plans to use foreclosure lists in challenging voters on Election Day. We may often disagree with WJR-Detroit’s local morning radio host but he held a feisty but fair [more...]

Date: 2008-09-18 18:11:19

Palin’s $2,500 jacket

Last week the Frock Report told us about Cindy McCain’s Republican convention outfit.  Vanity Fair calculated that the outfit cost  $300,000 ... or that she is paying for expensive clothes this early on in the campaign.” Picture credit: AP [more...]

Date: 2008-09-17 14:06:43

Bee beauty contest from the land of milk and honey

There are cat shows and dog shows, even ferret shows. And during county fair season, there are plenty of chances to pick the best pig, cow or rabbit ... , Babylon & Beyond, comes a report about such a competition held at a boutique honey farm ... contestants. -- Steve Padilla Photo credit: Dvorat Ha'Tavor [more...]

Date: 2008-09-09 20:37:47

Dog Unto Others: Canines Have Sense of Fairness

Chuck Man's best friend expects a fair treat for doing tricks, canine cognitive scientists at the Clever Dog Lab in Austria report ... to the fact that animals are a heck of a lot smarter and more emotional than we give them credit [more...]

Date: 2008-12-08 22:52:44

Greenlight Capital Re: Strong Downside Protection Due to Einhorn's Skill

INVESTMENT THESIS — STRONG DOWNSIDE PROTECTION An investment in Greenlight Capital Re (GLRE) ... fair value at $18-24 per share, based on the analysis presented in this report. 39-year-old David ... the bursting of the Internet bubble in 2001-02 and the ongoing U.S. credit contraction and recession. Also [more...]

Date: 2009-01-04 09:40:38

RSS Usage is Much Higher than 11%

I just caught the writeup Steve Rubel did on a recent Forrester report on consumer adoption of RSS. Steve (based off the Forrester report) ... interested, so if you accept the premise of the survey, then RSS usership has a fair amount of growth ... and there are far more users in the mainstream who utilize RSS on a daily basis than the survey gives credit [more...]

Date: 2008-10-21 05:04:53

Senate 'Bailout' Opens Door to Ending 'Fair Value' Accounting

Among the 451 pages of provisions contained in the Senate-approved Emergency Economic Stabilization Bill of 2008, which the House will debate today, ... , which allow companies and financial institutions to report the value of their assets on the price ... that have no market value have worsened the credit crisis, and changing them has been a priority for [more...]

Date: 2008-10-02 20:00:00

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

Online finance flaw: Visa responds quickly to reported vulnerabilities

The American Express online flaw I discussed last week led to two interesting sidebars ... sites.To be fair, http://usa.visa.com itself appears to be sound; both Mike and I gave it a cursory ... to rehash all the problems XSS issues in major credit card company sites might cause (PCI [more...]

Date: 2008-12-23 05:56:00

U.S. News & World Report Calls the 2012 Election For the GOP

....with a prediction of four dark years of economic troubles bringing down the Mighty Obama, ... estate bubble, a construction bust, a banking crisis, and a credit crunch. Sound familiar? The nation's ... . According to Gallup, 88 percent of Americans thought the economy was "fair" or "poor" in October 1992 [more...]

Date: 2008-11-11 21:04:00

McCain, Machiavelli -- spoke too soon edition

A reader provides an apparently authoritative report from The Hill that Phil Gramm has now stepped down as co-chair of the McCain campaign ... campaign appeared to credit. This reminds us never to rely on information from Robert Novak. If may ... , don't expect McCain's economic policies to get any more fair or more sensible. [more...]

Date: 2008-07-19 01:02:38

Save your identity, have Credit Report

A credit report holds the most personal and vital information anyone can have. The information contained in the report influences crucial decisions on loans, insurance coverage, employment—even housing. Although this information is supposed to remain top secret and extremely confidential (according to the Federal Fair Credit Reporting Act—FCRA), it’s relatively easy for anyone to get their hands on these personal records. [more...]

Date: 2009-05-23 06:09:47

How to Dispute on a Credit Report

Inaccuracies are not uncommon when it comes to your credit report That is why it is very advisable to keep checking your report in order to make sure that everything listed is accurate You have the right to manage your credit and according to the Fair Credit Reporting Act if there is an error it is their responsibility to initiate [more...]

Date: 2009-01-16 16:00:00

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