5 Credit Repair misunderstandings
Amazingly, consumers find more than 13 million inaccuracies on their credit reports each year ... : To get an inaccurate item corrected, you have to in person dispute it with the credit bureaus and allow them 30 ... bureaus through their credit report provider. Quotation reports can be updated in as little as two [more...]
Date: 2008-12-12 19:25:14
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Questions About Collections? Ask Melissa
Dear Melissa, My daughter is in the midst of a career move and has had a bill sent to a collection agency in the state she previously resided in ... can absolutely not affect your credit report in any way. Consumer debt is not transferable ... the payment. The agency will report to the credit bureaus that the account is paid, if applicable [more...]
Date: 2009-01-14 13:00:17
Free Credit Report and How to Improve Credit Score
Improve credit score now! Because as well known consumers with higher FICO scores are considered to be less risky by lenders ... to illustrate a consumer’s general level of credit risk. How might you tell whether a score ... your report and score regularly you’ll ensure the absence of errors therein. This control is really [more...]
Date: 2008-12-31 22:49:02
FREE CREDIT REPORT ONLINE!!!
Credit!!! It is the provision of resources by one person to another and then the person who borrowed, ... !!! Now you can get free credit report service online from IDENTITY GAURD premium. Equifax, Experian and TransUnion-These three are the largest consumer credit reporting [more...]
Date: 2008-12-28 17:40:00
FTC Crackdown on 36 Credit "Repair" Companies
sweep.jpg Ever wonder if those TV ads claiming to help you repair your credit are legit? ... information from consumers' credit reports, even if that information is accurate and timely. The FTC ... they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain [more...]
Date: 2008-10-28 11:15:52
One Way to Protect Against Identity Theft
When information gets stolen, it is used in various ways. Sometimes the thief may use it to drain your bank account, for example ... will not extend credit without first pulling a consumer’s credit profile. If you place a “security freeze” on your credit profile, the reporting agencies are prohibited from releasing your credit [more...]
Date: 2008-09-22 21:10:55
Little Known Tips For Using Your Free Credit Reports
by William Blake Consumers use the Federal Trade Commission as a sounding board for their complaints ... . There are many websites that advertise free credit reports if you agree to test out their services ... . Not everyone takes advantage of the free credit reports that are available to them. Some people [more...]
Date: 2008-08-30 14:44:05
annual credit report
If you use any kind of electronic commerce--credit cards, atm, on-line bill pay, etc--you must be vigilant in regards to your identity ... (FTC) advises consumers who order their free annual credit reports online to be sure to correctly spell ... just to review and keep up to date with how creditors determine your credit score.This is what the FTC [more...]
Date: 2008-02-19 22:01:00
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
Do-it-yourself Credit Repair
There are many consumers which are being lured by companies which promise them to clean their unappealing credit history ... a fraud by creating a new credit identity and report or any illegal undertaking. Customers should ... by the federal law. credit report In order to avoid scams, people should not pay a service fee as long [more...]
Date: 2008-08-23 04:47:53
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
After the Bell Wrap-Up - January 8, 2009
The markets gave a valiant effort today to shrug off more disappointing economic news to trade higher, ... for the S&P and the NASDAQ. With a mixed report for jobless claims, the key negative news ... . In a late afternoon reading, the Federal Reserve reported that consumer credit, such as credit cards [more...]
Date: 2009-01-08 21:10:00
Three Legislative Proposals That Could Have Major Consequences for Your Finances
J.D. is on vacation. This guest post comes from DR of The Dough Roller, a money management blog ... in a consumer report or any change in a consumer’s credit score, as the basis for increasing any annual ... on Wall Street and in the credit markets lately, one could easily forget about money-related legislation [more...]
Date: 2008-12-18 13:00:42
How to Resolve Credit Bureau Reporting Errors
Photo courtesy of neoliminal A couple months ago my wife and I started a passive search for a new home ... idea to check your credit report to make sure things are being reported correctly. Inaccuracies ... on a new home. Skeletons In Your Credit Closet? Often times consumers have legitimate, negative [more...]
Date: 2008-10-23 11:00:30
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
Video: Ed McMahon “raps” for O.C. credit-report firm
Former late night TV sidekick Ed McMahon, who may lose his Beverly Hills home to foreclosure, ... out of the program. Consumers can get a free credit report at ANNUALcreditreport.com. In fact, Experian ... -based credit agency Experian. McMahon, best known for co-hosting Johnny Carson’s “Tonight Show” [more...]
Date: 2008-10-16 21:04:50
A Glimpse at Future Credit Card Statements
Every Tuesday, Smithee presents an article about his own experiences with credit cards and observations about the credit card industry ... Suspended for Merchant Database Breach: ...Consumer Reports: Best and Worst Credit Card Issuers ... . Back in mid-December we told you about some of the changes that would soon be enforced on credit [more...]
Date: 2009-01-13 13:02:01
I Guess Our Mortgage Is Officially Considered Small
As a follow up to the post I wrote a few days ago about the new consumer protection laws and the possibility that thrift stores would have to stop ... scores until now. We went to the annual credit report site and picked Experian. Credit scores were $5.95 each, and the credit report is free (we normally just get the free report). We got my husband’ [more...]
Date: 2009-01-09 08:15:42
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
Thinking of credit repair? Think twice
You’ve probably heard ads promising to fix bad credit ... that deceptively claim they can remove negative information from consumers’ credit reports, even ... to the FTC’s brochure titled Credit Repair: How to Help Yourself, here’s how to tell if the company [more...]
Date: 2008-11-03 12:06:26
Free Credit Reports Through the Generations, Part I
Finances are something that often change dramatically over a lifetime ... no matter what stage of our life we are in is our credit report. Once we begin our lives as consumers making financial decisions, the history of these decisions is played out on our credit report [more...]
Date: 2008-10-28 17:19:20
Identity Thieves often Pitch Great Deals to lure their Victims in Quickly.
by: William Roberts Identity theft can impact you as an insurance consumer because insurers often use an individual’s credit score to determine ... of your credit report to determine if any accounts were opened without your consent and request the agency remove inquiries and/or fraudulent accounts stemming from theft. Request a free credit report [more...]
Date: 2009-01-08 01:35:17
Credit Card Horror
The availability of credit for anyone no matter their credit history has caused many financial problems for consumers ... card companies report that at least 20% of consumers have maxed out credit cards ... specific sales pitch or ad. If you have a good credit score, (630 or above), you can usually [more...]
Date: 2009-01-16 23:12:15
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
Recognizing a Credit Repair Scam
by David Wada Companies target consumers with poor credit histories all the time, making promises to fix their credit report so they can get their dream car, a bigger home, health ... is, these companies cannot deliver an improved credit report using the ‘unique’ tactics they promote [more...]
Date: 2009-01-16 04:06:09
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
Another Consumer Scammed By FreeCreditReport.com [Freecreditreport Com]
Freecreditreport.com is NOT actually free, nor is it related to Annualcreditreport.com, the free credit report that you are entitled to under federal law. So why are people still ... of my credit report. All of the major credit reporting agencies seem to strong arm you towards [more...]
Date: 2008-08-11 16:29:44
Will Credit Repair Enhance Your Plunging Credit Score?
As lending rules get stricter by the day, an increasing number of consumers are desperately looking for ways to improve their credit ratings ... but nevertheless accurate entry on the client’s credit report. This technic exploits a provision ... or out-of-date information from their credit report. This technic works under the premise [more...]
Date: 2008-12-08 07:00:23
Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-01 20:33:13
Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-20 13:16:13
Tightening Consumer Credit Standards
According to a Federal Reserve survey of senior loan officers at major banks, ... % of banks report that they’ve been actively lowering credit limits, with just under 40% saying that credit ... 52% of banks reported that they’ve increased the credit score required to secure a line of credit [more...]
Date: 2008-12-29 15:00:51
Potect Yourself From Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-20 13:12:15
Potect Yourself From Identity Theft
by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]
Date: 2008-12-11 09:32:42
Keys to improving your credit score
Credit I don't mean to brag, but my wife and I have a credit score that's better than almost 97 percent of the population. OK, I do mean to brag ... a free credit report once a year from each of the three consumer reporting companies (Equifax ... this for a while. We've always had a pretty good credit score, but it's higher than ever right [more...]
Date: 2008-12-01 04:49:30
Credit Card Lenders Clamp Down Hard
Consumers are in a newly austere mood, and those who have lived beyond or at the edge of their means may be forced to retrench whether they want to ... , some can come back to haunt consumers. The result can be a lower credit score, which forces a borrower ... or not. The New York Times reports that credit card issuers are cutting back on their lines [more...]
Date: 2008-10-29 03:50:36
Skepticism About Fighting Terrorists With Data Mining
According to the New York TImes, the British government is considering setting up a database of all phone, email, ... for advertising and credit card reporting agencies, it has much less success predicting the behavior ... a consumer's credit history with the history of millions of consumers to predict a person's [more...]
Date: 2008-10-24 18:01:59
Consumers advised over action to take if rejected for finance
In the current financial climate an increasing number of consumers are finding themselves being turned down for finance, such as loans, credit cards, ... to check their credit report, as this will show them what their credit rating is like and will give ... they should take once rejected for credit. Many tend to make another application to a different [more...]
Date: 2009-01-02 11:45:58
Mortgage approvals slump by 52%
Mortgage lending for house purchases fell by 52% over the 12 months to October, according to latest figures from the British Bankers' Association ( ... a much reduced appetite for borrowing. "Mortgage approvals remained low, consumer credit ... . A report into mortgage financing by Sir James Crosby, former HBOS chief executive, suggested repayments [more...]
Date: 2008-11-25 10:08:00
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
FREE Report: How to Save Money as a Family
As a special gift to readers of this blog, I’d like to give you this free report on how to save money as a family ... Instantly! Excerpt from report: Paying Down Debt The credit crunch has hurt many consumers who have credit cards. Due to the fact that the banks are hesitant to lend money unless one’s FICO score is 750 [more...]
Date: 2009-01-09 03:07:08
Consumer Advice to Ring in the New Year
December 23, 2008 FTC News Release: Nine Consumer Tips to Make the Most of 2009 As 2008 draws to a close, ... include: Get a free copy of your credit report. Visit www.annualcreditreport.com or call 877-322-8228 to request a free credit report, once every 12 months from each of the nationwide consumer credit [more...]
Date: 2008-12-23 18:24:31
American Gold IRA Report: Fed bets $800 billion on consumers
Central bank and Treasury announce a massive plan to jumpstart lending. By Chris Isidore, CNNMoney ... to make $200 billion available for a range of consumer loans - including credit cards and car loans ... how much additional credit the program might make available to consumers in time to feed purchases [more...]
Date: 2008-11-25 17:26:54
Citibank Will Split Into Two Companies, Promises To Lend To Consumers [Citibank]
Vikram Pandit, CEO of Citigroup, announced today that the company would be split after reporting a net loss for 2008 of $18.72 billion. He also promised to put the money from the $700 bailout to work by extending credit to consumers ... the U.S. economy and consumers - expanding the flow of credit to U.S. households and businesses responsibly [more...]
Date: 2009-01-16 13:30:55
News Digest 8/12/2008 Reuters, WSJ, NYTimes, FT, Bloomberg
According to Reuters, JP Morgan (JPM) lost $1.5 billion in July. Reuters writes the UBS (UBS) ... . Reuters reports that Countrywide faces an FTC investigation. The Wall Street Journal reports ... to tighten credit for businesses and consumers. The Wall Stree Journal reports that S&P cut [more...]
Date: 2008-08-12 07:52:17
A must read for all landlords
Your job as a landlord just got a lot more bureaucratic and burdensome regarding tenant screening reports that you receive to help you select ... consumers against identity theft, a growing concern in our electronic age. These laws are the Fair Credit Reporting Act (FCRA) and the Fair Accurate Credit Transaction Act (FACTA) In brief, 1. Keep [more...]
Date: 2008-11-25 17:44:53
Wednesday Night Marketing News
When I lived and worked in Metro Detroit, the Auto Show was one of the highlights of winter.. ... . "The issues are limited range, long charge times and durability," says David Champion, Consumer Reports ... Financial Services Private-Label Credit Card Biz 'More Bleak Than Sunny' by Les Luchter "Online [more...]
Date: 2009-01-14 23:00:00
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
Let’s Look at the Issues: Consumer spending
What does Nobel laureate economist Paul Krugman have to say about the recent decline in consumer spending? ... -feared capitulation of American consumers has arrived. According to Thursday’s G.D.P. report, real ... of the sharp cutback in the availability of consumer credit, which is still under way. So this looks [more...]
Date: 2008-10-31 12:34:33
A Trillion Dollars Ain't What it Used to Be
There is a report floating around arguing that with the collapse of the consumer credit market, ... markets without causing rates to get squirrely. That strikes me as an awfully simplistic view of things. First, there is a reason why consumer credit has gone south, and that plays back into debt [more...]
Date: 2008-12-23 20:17:00
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