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
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From Renter to Home Owner
If you are considering purchasing a home in Huntsville Alabama, ... you hundreds of dollars a month and thousands over time. Check your credit reports to make sure ... you are ready for home ownership. First, you need to think about your employment situation [more...]
Date: 2008-11-11 15:40:32
Opportunity For Beginning New In Life
Opportunity For Beginning New In Life Posted By katie George on @ 2: ... will go higher. Its repayment duration ranges up to 15 years. Take out your credit report and check ... harder to avail and eventually it may lead to financial mess as well. However, bad credit loans [more...]
Date: 2008-12-30 08:30:20
Obama’s informerical full of lies, says…the AP?
In related news, Hell freezes over. Excerpt: Democratic presidential candidate Barack Obama was less than upfront in his half-hour commercial ... the withdrawal of troops from Iraq. Mr. Woodward may want to go check his credit report in the next few [more...]
Date: 2008-10-30 13:25:44
FreeCreditReport.com scam
I was looking over my checking account transactions for the past year and saw a mysterious $12 ... credit report program. Under a new Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting companies [more...]
Date: 2009-01-01 02:16:00
Credit Repair Advice
Credit Repair Advice November 24th, 2008 Subscribe To Our Feed The best part about finding a third party credit counselor to tackle your ... is to check your free credit score with Experian, TransUnion and Equifax and be sure to be on the watch for any facts about identity theft while you are going over your credit report. Once you see [more...]
Date: 2008-11-24 05:33:00
ONE Tip for 2009 - Identity Theft Still Rampant so Sign up for Lifelock.com
I got this email from some very close friends yesterday who were asking to spread the word about their identity thefts: ... in custody. We have had credit card fraud, checks cashed, new accounts opened on line and in stores ... more issues on my credit report before it is over. I am going to have to testify against the woman [more...]
Date: 2009-01-01 19:51:24
Practical financial advice for the new year
Despite the fact most Illinoisans attention has been diverted towards the Governor's possible impeachment, ... for rainy days (or recessions). Check your credit status report. Fairly practical, but somehow [more...]
Date: 2009-01-02 14:52:48
As Gas Prices Rise, Consumption Declines by 4.1%
A report compiled by MasterCard Inc. showed that gasoline consumption in the U.S. declined by 4.1 percent, to the lowest it’s been in two months ... early November 2008. The MasterCard figures are based on credit-card swipes and cash and check ... Administration released a report highlighting the weakening global demand for crude oil. “The oil price [more...]
Date: 2009-01-08 02:57:12
Employers Beware: Red Flag Rules On Address Discrepancies Not Delayed
If you've been following the story of the Red Flag Rules, that we posted about last winter you'll know that on October 22, 2008, ... your business uses consumer reports. If you do background, criminal or credit checks on employees ... the FTC announced a delay in enforcing the rules, moving the date from November 1, 2008 to May [more...]
Date: 2008-10-27 17:21:00
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
Credit Repair In Four Easy Steps
If you want to repair credit scores and open up more doors for your future, here are four relatively simple ways to approach credit report repair ... these bills so I’m not going to even look at them.” At www.annualcreditreport.com, you can get a free copy ... . First of all, checking your credit score is the only way to get real. Often, we spend months [more...]
Date: 2008-11-27 12:15:18
IVR (Interactive Voice Response) - A Brief Explanation
IVR (interactive voice response) is a telephony technology that allows users to interact with a database through phone keypad or voice commands ... to do things like check bank balances, manage credit cards, check for store hours or locations, or order ... hours. IVR systems are also used to report non-emergency problems to cable or utility services [more...]
Date: 2009-01-17 04:48:05
Many Realtors Miss The Days Of The Housing Bubble
The Warwick Beacon reports from Rhode Island. “With statewide home sales down by 5 percent from last year and the median single-family home price ... re looking for has decreased.” “The old ways of no credit check loans have given way to solid ... in here and say, ‘oh my credit is good, but when I check it, it’s far from good.’ And these people [more...]
Date: 2008-09-03 14:28:17
Who’s At Fault for Economic Crisis - Everyone: Tom Friedman
I would encourage everyone to read Thomas Friedman’s column in the New York Times today. Along those same lines check out PBS’ Now and their report on the credit rating agencies and their role in the financial crisis. The first three grafs: I spent Sunday afternoon brooding over [more...]
Date: 2008-11-26 14:57:32
California Crime Victim Office Budget Cut Would Be Pennywise and Pound Foolish
By a California Voter and a Victim of Crime [Editor’s note: We rarely publish anonymous articles ... . Children cannot play freely in their neighborhoods. We check our credit reports. We lock our cars [more...]
Date: 2008-07-21 14:25:37
Are You Saving Enough In Your 401-k Retirement Accounts? See How You Compare
US News and World Report recently conducted a survey of 401-k participants and broke them down by age group, job tenure, and asset allocation ... ® Credit Score Estimator Related posts:Use a Credit ... ? Check out the full story on US News and World Report’s site. © Own The Dollar - This posting [more...]
Date: 2009-01-07 16:48:56
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
Finally: Republicans Finger Democrats as Responsible for Fannie/Freddie Meltdown
—Ace Good video report from Jim Angel at FoxNews. It should be noted that "Republicans" do not include "McCain ... guaranteeing a trillion new dollars for no-money down car purchases with no credit checks or proof ... . Millions of credit-poor homebuyers -- with erratic and unverified incomes -- now have mortgages [more...]
Date: 2008-09-24 00:11:22
Payday Loan Ballot Language Approved… But Law Is Already Killing Off Ohio Jobs in Steubenville
From WTOV: Despite a push to repeal a statewide crackdown on payday lenders in Ohio, some local companies are still closing ... worse economic decisions- such as bouncing checks, paying late fees on credit cards, or taking a black ... been media reports of an increase in fraudulent short-term loans being conducted through the mail, where [more...]
Date: 2008-07-15 12:28:03
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
behold the power of berube
michael berube has proof that his return to blogging single-bloggedly elected obama as president: seriously: if you look at the polling history, ... like this.and here we thought we got the credit. addendum: be sure to check out berube's report on how [more...]
Date: 2008-11-12 01:13:03
Running Criminal Background Checks Explained
by Glen Pearson Ever wondered what went on in someone’s past, but it wasn’t appropriate to ask them? ... about a given person, and may include their criminal record, address history, credit report, marriage ... You might have thought about having a background check done instead. Doing this can tell [more...]
Date: 2009-01-04 10:38:51
Getting Your Finances In Check For a Coconut Creek Home Purchase - Part I
jority of people, buying a home is no easy feat especially when it comes to finances ... for a mortgage at all. Review your report with all three major credit bureaus, Experian, Equifax ... you took a look at your credit report? If you haven't reviewed it recently, now is the time [more...]
Date: 2008-12-22 20:42:59
Check Your Credit Regularly To Minimize The Risk Of Identity ...
Every year, the cost of credit card fraud comes to billions of dollars. While this may seem like a large amount, numerous organizations report that crimes related to credit cards are one the rise. The increased use of the Internet has opened additional opportunities [more...]
Date: 2009-01-04 02:45:10
LifeLock can even protect you from skeezy relatives
I saw a news story today about a guy in Muncie, Ind. who’s been getting calls about late payments on his new Jeep Cherokee ... a new car purchase on his credit report, or get a call from a prospective creditor like he would ... credit and your clean-as-a-whistle background check. Don’t wait for one of these losers to come [more...]
Date: 2009-01-05 20:15:34
10 Ways To Protect Your Financial Identity Being Used For Someone Else’s Shopping Spree
Someone impersonating you could be spending your hard-earned money. Impossible! Not really, check, loan, and identity fraud are a real problem ... card accounts, and make sure to keep a copy of your credit cards and the toll free contact numbers ... your credit report once a year from each of the three credit bureaus to make sure [more...]
Date: 2009-01-05 08:56:49
Ripples from Chase. Banks in the news, and not in a good way
Here is a job listing just in time for all those great folks at Chase Chase’s exit from wholesale left brokers searching the rate sheets in their ... up-front fees for application, credit report and appraisal with the thinking being “once a customer writes a check, even for a nominal amount, they are motivated to stay put”. And successful [more...]
Date: 2009-01-15 14:34:13
How Steven Spielberg Handles the Credit Crisis
WSJ colleague Lauren A.E. Schuker reports: The global credit crisis has roiled the country, but in Hollywood the stars are still spending ... wrote a $26.5 million check this week to Paramount Pictures. speilberg0115_DV_20090116105743.jpg ... it wanted to take from Paramount to the new company–hence the $26.5 million check Mr. Spielberg just signed [more...]
Date: 2009-01-16 12:14:23
Did America Get Punk'd on the Bailout?
By David Sirota, Campaign for America's Future. Posted December 18, 2008. The answer is yes ... now here's what to do about it ... . Regarding U.S. business access to credit, the report says: Overall U.S. bank lending is at its highest level ... about a credit crisis that justified Congress cutting a trillion-dollar blank check to Wall Street [more...]
Date: 2008-12-19 02:27:52
How to stop identity theft
Don't carry more personal information on you than you need to, and check your credit report at least once a year. [more...]
Date: 2009-01-12 05:00:00
Music Notes: September 23, 2008
Brendan Canning talks new video, next BSS album. Pitchfork Cat Power, Smashing Pumpkins, Death Cab, Wilco, Norah Jones, Jack Johnson, ... Jagger to present report to European Commission. Paste You think the Rolling Stones are old? Check ... credit crunch affect music? The Guardian U.S. TV network airs audio of ex-Blink 182 drummer Travis [more...]
Date: 2008-09-23 08:29:55
How To Purchase A Used Car
How To Purchase A Used Car 14 January 2009 Buying a used car is a bit trickier than buying a new car although you can follow most of the same ... of information online. Check the car manufacturers web site, consumer reports and the edmunds.com. ... or to your credit union before you go shopping and see how much money they’ll be able to lend [more...]
Date: 2009-01-16 10:12:37
What’s the Carbon Footprint of my Checking Account?
Crossposted from the Understory RAN released a new report today, “Financing Global Warming: Canadian Banks and Fossil Fuels“, ... , we also launched a new website, climatefriendlybanking.org. The report results are striking ... s largest credit union), would reduce your annual carbon footprint by 1.4 tonnes of CO2, a very meaningful [more...]
Date: 2008-11-20 22:15:55
Always Look A Gift Check In The Mouth [Check Fraud]
Fred writes: My brother who is a junior at college sent out a bunch of applications for college grants and other sources of funding to pay for his ... him that he has been reported to the FBI, and that the information would be noted on his credit report. He wasn't really able ... by not answering anything. I was wondering if it would be a negative [more...]
Date: 2008-09-19 16:14:23
Running a Criminal Background Check Can Be Very Revealing
by Glen Pearson Are you curious about someone’s past? ... any criminal records, credit reports, previous addresses and more. Naturally, there is a cost ... , such as credit or criminal history, will not show up. Give it a shot, it’s free. In the event [more...]
Date: 2009-01-02 22:27:30
Midnight Meanderings - Getting Fit Fiscally And Physically
From my other sites - Over at No. Calories Needed, I’ve posted my weekly work out schedule. (No ... .) Over at 99 Changes, my personal development site, I’ve posted a progress report. Check it out - and give me a grade! Over at the No Credit Needed Podcast, I’ve (finally!) recorded and released a new [more...]
Date: 2008-10-25 03:41:13
Off to the beach… Roundup
This is what I am doing right now… Hopefully by the time you are reading this, I am sitting on the beach ... enough? Get your credit report in 4 steps How to sell your house fast in this market Get the best ... a change. I will try to check email/comments/ forums/ etc at least daily. But no promises [more...]
Date: 2008-09-27 14:27:52
Vanishing point robot guidance
I came across this video today of a iRobot create robot autonomously navigating a hallway using a standard laptop webcam ... project report has a lot of details about how the vanishing point detection system works. Check ... is credit due to Pratap Tokekar. I worked on localization with fiducial (cones) and helped the robot [more...]
Date: 2009-01-12 20:31:23
The Impact of Marriage and Divorce on Your Finances
We joined Costco. And I’ve only been there 5 times in 8 days! Thanks for all your suggestions; we knew exactly what to look for ... the country will share their money-saving secrets. I’ll check it out and report back if I learn anything ... . Now I just need to get my True Earnings Credit Card for Costco and I’ll be all set. Also [more...]
Date: 2008-10-08 13:29:23
Even Silicon Valley Isn’t Shopping
For many Web 2.0 start-ups, build-it-to-flip-it has been a mantra of sorts, with most hoping to get big payouts when Google, Yahoo or AOL cuts them a big check. Unfortunately, the credit crisis has turned those dreams into layaway plans. The 451 Group, a research firm, released an M&A report this morning that should [more...]
Date: 2008-12-18 20:01:55
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
Airline Warning: Lufthansa and AirOne Customer Service Complaint
Lufthansa 747-400 photo credit: alex-s It had to happen. I had to write this post ... check_0471 photo credit: hoyasmeg They emailed me a response that said since I did not report ... my summer voyage to Texas or might recall some positive things I’ve said about Germany’s largest airline [more...]
Date: 2008-11-07 05:00:30
Free Webinar on New FTC Guidelines for Background Checks
The new FTC Identity Theft “Red Flags” guidelines take affect on November 1, 2008. Are you aware of your obligations under these new provisions? ... of consumer reports must implement procedures to deal with any notices of address discrepancies they receive from a nationwide consumer reporting agency (mainly credit bureaus such as Experian, Equifax [more...]
Date: 2008-10-15 19:09:58
Unsecured Loans No Credit Check: Easily Accessible Finance
Generally to get before loan approval credit report is verified by lenders. But considerin... [more...]
Date: 2009-01-01 13:44:00
End of the World? Perhaps, Not
Not to pull the rug out from this week’s History Channel special on Nostradamus, ... get more complicated. Want to learn more? Check out a new report by the National Science ... is quite now, but storms are a'coming. Credit: SOHO/ESA, NASA [more...]
Date: 2009-01-06 20:15:36
Radiohead Denies Scoring Next Chuck Palahniuk Film
After reports circulated that Radiohead had written a score for the upcoming film, Choke, based on a Chuck Palahniuk book by the same title, a representative of the band called the report hogwash. Apparently, the band's song "Reckoner ... some fact checking. BBC later posted an update, to its credit, but the story had already been picked [more...]
Date: 2008-08-14 17:28:31
Back to the future
This just in: China is NOT the 4th largest economy in the world as we have all been thinking, reporting and generally drooling over ... . But let’s just look at this like regular humans: you know, people with checking accounts, credit cards [more...]
Date: 2009-01-17 02:30:29
New Tenant Too Good to be True
Yesterday I told you about how I got a Rental Vacancy Created and Filled in the span of about one hour ... the background or credit check since he's already been living there (and because he paid up front), but I told ... report. [more...]
Date: 2008-12-03 20:15:00
LifeLock CEO Hacked?
LifeLock CEO Hacked? June 25, 2008 – 3:08 pm Let me first start this post off by saying this - LifeLock Works! ... loan did not even try to verify the true identity of the thief. No credit report was pulled ... Yes, someone was able to obtain a $500 payday loan using Todd Davis’s SSN. However, the check [more...]
Date: 2008-06-25 20:08:42
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