Review of Lexington Law Firm

by John Cooper Lexington Law is a credit repair firm that is headquartered out of Salt Lake, Utah ... gives you the right to dispute any item you feel is not accurate on your credit report. This law ... damage to your report. To dispute a listing yourself you must create a dispute letter and mail [more...]

Date: 2009-01-13 11:40:05

Blog posts (172) | Videos (90)
 

How To Read Your Credit Report

The Fair and Accurate Credit Transactions Act, signed into law on Dec ... then credit and read it for yourself. Hopefully you'll stay awake . While all credit reports follow ... . 4, 2003, gives every American the right to a free credit report every year from each of the three [more...]

Date: 2008-11-09 13:46:50

How To Read Your Credit Report

The Fair and Accurate Credit Transactions Act, signed into law on Dec ... then credit and read it for yourself. Hopefully you'll stay awake . While all credit reports follow ... . 4, 2003, gives every American the right to a free credit report every year from each of the three [more...]

Date: 2008-11-14 08:03:09

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

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

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

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

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 Agencies - is it a scam ?

It is important to have a good credit history in difficult economy.  It is especially important if you are buying or refinancing a house ... fix for creditworthiness.  You can improve your credit report legitimately, but it takes time ... is that negative, yet legitimate info can stay on your credit report for 7-10 years, under federal law [more...]

Date: 2009-01-05 03:36:53

Kentucky Needs A New God For Homeland Security

This is in today's Johnson City Press: Kentucky Law Requires Homeland Security to Credit God LEXINGTON, Ky ... , who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear’s administration didn’t credit God in its 2008 Homeland Security report issued last month. “We certainly expect [more...]

Date: 2008-11-30 00:23:51

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

Don’t Be Tempted by File Segregation Schemes

Sometimes, credit problems can seem insurmountable ... . Clinics who claim to be able to create a brand new credit identity and a brand new credit report ... and it is not just the credit repair clinic that is breaking the law. It is also illegal for you to obtain an EIN under false [more...]

Date: 2008-11-26 22:56:29

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

My financial resolutions for 2009, #5 in a series

Editor’s note: We asked our resident money experts to share their financial resolutions for the year ahead. Here, the fifth in our series: I’ve resolved to obtain and examine a free copy of my credit report as often as I can. Federal law gives everyone the right to a copy of their report from each [more...]

Date: 2009-01-09 01:10:49

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

Save Me Jeebus!

Via Sulivan comes this gem. A lawmaker says the state’s Homeland Security office should be crediting God with keeping the state safe. State Rep ... statement or on its Web site. The law passed under former Gov. Ernie Fletcher, who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear’s administration didn’t credit [more...]

Date: 2008-12-02 03:05:06

A Guide to Repairing Your Credit Score

by Mary Bush In the United States, as well as many other countries, there are laws in place allowing people to mount disputes regarding their credit reports ... goes quickly and efficiently. You just can’t call the credit bureau in disgust and start hollering [more...]

Date: 2009-01-10 08:35:57

Kentucky State Law Mandates Mission of Dept. of Homeland Security is to promote Religion

State legislators amended Homeland Security's religious duties to come before all else, ... than others. Under previous Gov. Ernie Fletcher, a lay Baptist preacher, Homeland Security interpreted the law at face value, prominently crediting God in its annual reports to state leaders [more...]

Date: 2008-11-30 01:46:00

God Bless Kentucky

Politicians in Kentucky look to have the unhealthy obsession of feeling compelled to mention God almost nonstop, including in their laws ... or on its Web site. The law passed under former Gov. Ernie Fletcher, who prominently credited God in annual reports to state leaders. But Gov. Steve Beshear's administration didn't credit God [more...]

Date: 2008-12-01 18:52:00

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... (unless creditors report incorrectly). By filing simple dispute letters with the three credit bureaus ... a bankruptcy. How is that possible? An example of this is Dave Olson (a fictional character). He [more...]

Date: 2009-01-15 00:11:26

Kentucky Homeland Security Required to Credit Some God

Image via WikipediaJust when you think you've heard it all, ... now? The department's 2008 annual report did not credit his god."This is recognition that government alone cannot ... in passing a law requiring a federally-funded agency to credit his god with protecting the people [more...]

Date: 2008-12-01 11:19:03

Divorced With a Low Credit Score? Promising News to Raise the Score!

If you’re in the throes of a divorce, or if you’ve just recently gone through one, your credit might have been damaged in the process ... and Experian, are each required by law to provide consumers, upon request, a free copy of their credit report once every 12 months. There’s a free copy for you at www.AnnualCreditReport.com or by calling [more...]

Date: 2009-01-03 21:11:21

Alaska News Nightly: October 22, 2008

Aleutian waters may have claimed 11 lives and a 92-foot fishing vessel overnight. Search teams have found debris and a body, but no survivors so far ... t meet its credit guidelines. In Juneau, some home buyers can’t get credit and that’s hurting the real estate industry and others. Department of Law to report on fuel price-fixing investigation Dave [more...]

Date: 2008-10-23 01:55:34

Obama campaign may have received $63,000,000 in illegal foreign donations

For a while now, we've known that the Obama campaign deliberately disregarding address and security-code verification that would have ensured that online credit card donations were being made in compliance with election laws. Now, a new report ... . And the thing is, it's just so obvious. For example:Someone named Good Will from Austin, Texas [more...]

Date: 2008-11-19 19:57:00

Massachusetts state law clamps down on corporate security breaches

The Boston Globe reports that Massachusetts has a new law going into effect in January that will require corporations to strictly control the data ... .  But what if you do become a victim of identity theft? The answer is:  Do a credit freeze! Here is the full ... residents. Much like the FTC Safeguards Rule, the Massachusetts regulations require [more...]

Date: 2008-10-21 19:26:24

Massachusetts state law clamps down on corporate security breaches

The Boston Globe reports that Massachusetts has a new law going into effect in January that will require corporations to strictly control the data ... .  But what if you do become a victim of identity theft? The answer is:  Do a credit freeze! Here is the full ... residents. Much like the FTC Safeguards Rule, the Massachusetts regulations require [more...]

Date: 2008-10-22 06:09:13

On Ethics

On Ethics Posted by Jay Tea Published: October 13, 2008 - 5:30 AM As I read about the report on Governor Palin's alleged violation of ethics laws and rules ... credit crisis, and they mentioned the World Bank. That triggered it: Paul Wolfowitz. Wolfowitz [more...]

Date: 2008-10-13 09:47:46

#371 - The List Of Economic Models

I saw this yesterday and nearly busted a gut. It's quite funny!SOCIALISMYou have 2 cows.You give one to your neighbour.COMMUNISMYou have 2 cows ... letters of credit opened by your brother-in-law at the bank, then execute a debt/equity swap ... company.The annual report says the company owns eight cows, with an option on one more.You sell one cow [more...]

Date: 2008-12-08 13:54:00

Tuesday, What's Up With Those Forts Posts?, Links

Big Media Matt is in favor of Freight Rail Stimulus, and I am too (Disclosure: I have family who work at CSX) ... Felton's 2008 personal Annual Report Credit crunch effects design process Guardian MVRDV's Gwanggyo ... this on a web page instead of in a feed reader, the website is violating copyright law. [more...]

Date: 2009-01-13 17:24:35

McMaster Forecast: Still (Surprise) Raining Perverts

When you’ve built your entire gubernatorial campaign around cracking down on internet sex predators, ... the state from the group that commissioned the report. “Ask any law enforcement officer ... predators, would it? Well, unless of course you could find some way to take credit for the decline [more...]

Date: 2009-01-16 05:00:38

He Doesn’t Know When to Fold ‘Em

He Doesn’t Know When to Fold ‘Em If this CREW complaint is right, we can credit Johnny for being consistent about one thing, at least; ... . Federal law and Senate rules require all income to be reported on annual financial disclosure reports ... , are gifts that must be reported as income. Knowingly filing a false report is a crime punishable [more...]

Date: 2008-10-10 15:02:48

New Jersey Assemblyman Fighting State’s Global Warming Response Act

Michael Doherty is convinced that global warming is a sham, ... who dispute global warming. Link PolitickerNJ.com Photo credit: Flickr user kcjc009 ShareThis ... . The law required the state Department of Environmental Protection to release a report detailing how [more...]

Date: 2008-08-26 15:28:11

Jim King Speaks About Campaign Finance

You know, I could go on for days and days about hypocrisy and campaign finance. But the fact of the matter is its a laughable cause in Kentucky. Jim King wrote a letter to the editor you should read: Your Sept. 18, 2009, editorial regarding a preliminary draft report from the Kentucky Registry of Election Finance (KREF) correctly points out that no laws were broken when King Southern Bank granted credit to my daughter, Judge Katie King during her campaign in 2008. [more...]

Date: 2009-09-23 17:30:05

An evening well spent

An evening well spent Share Post Print January 14, 2009 Posted by Paul at 8: ... and David Brooks are said to have been there, as well. Obama deserves credit for this "outreach," which is consistent with reports about how he handled himself as head of the Harvard Law Review [more...]

Date: 2009-01-14 14:56:45

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

Glory Be

A Kentucky state legislator wants the Almighty to receive His props: ... didn’t credit God in its 2008 Homeland Security report issued last month. ... in its mission statement or on its Web site. The law passed under former Gov. Ernie Fletcher [more...]

Date: 2008-12-01 18:43:00

Maybe Someday We Can Be Like That

Wow. Europeans actually have elected officials who look out for their privacy interests! ... allowing law enforcement and security agencies to obtain private information — like credit card ... Ocean. The potential agreement, as outlined in an internal report obtained by The New York Times [more...]

Date: 2008-06-28 10:59:03

Islamic Bonds Issuance Suffered Drop of 56 Percent in 2008, Following Confusion Over Shariah Laws, Impact of Credit Crunch

The value of Sukuk, or islamic fixed-income securities, issued last year tumbled 56 percent last year to $14.9 billion, according to a report by Standard and Poor's. Sukuk have emerged over the past three ... from the fallout in global credit markets, the increase in borrowing costs and the subsequent [more...]

Date: 2009-01-14 17:41:20

Investment Banks Hoist on 2005 Bankruptcy Law Changes Petard

Investment banks? What investment banks, says the alert reader ... to pull funds from the Federal Reserve more readily. The Financial Times report that the changes ... about having credit exposure and can start curtailing certain types of activities and close accounts [more...]

Date: 2008-10-31 14:00:01

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

The Law of Money

The Law of Money Posted by DJ Drummond Published: December 22, 2008 - 1: ... cash into Chrysler but chose not to, and GM, which annual reports for the last three years' running ... ; 2. A credit crisis in the banks, as banks are risk-averse to the point that they are making fewer [more...]

Date: 2008-12-22 18:53:56

IMF warns of economic riots, police ready for civil unrest

Paulson discussed worst-case scenario at bailout meeting – declare martial law WorldNetDaily | Dec 18, ... everyone rather than a small elite,” London’s Guardian reported. In a recession where consumer spending is plummeting, foreclosures are rampant, workers are losing jobs, credit is tight and markets [more...]

Date: 2008-12-19 06:28:06

GM and Chrysler get US$17.4 billion bailout

They’ve done it, the Detroit boys have managed to secure federal emergency loans to execute their plans to stay afloat ... by law, firms must allow the government to examine their accounting books and records, firms must report ... , the healther of the Detroit 3, is still asking for a US$9 billion government line of credit in case [more...]

Date: 2008-12-21 09:09:13

TARP Oversight Panel's First Report: What a Crock

Last week I ventured the view that Professor Elizabeth Warren, of Harvard Law School, ... advantage over consumers, which they see as their duty to exploit at every turn. Or, as she puts it, ‘Credit products aimed at both middle class and poor families are designed to trick them, trap them [more...]

Date: 2008-12-19 08:24:12

Why Bluff Martial Law? by Zahir Ebrahim

Dandelion Salad Sent to me by the author.  Thanks, Zahir ... to the report “No Exits on this Super-Highway!” © Project HumanbeingsfirstTM. Permission granted to use freely ... of a complete catastrophic credit meltdown. There is no liquidity in the market. We are out of time [more...]

Date: 2008-10-05 00:58:20

Mexico: High percentage of personnel in law enforcement fail background checks

NATIONAL ASSOCIATION OF FORMER BORDER PATROL OFFICERSVisit our website: http://www.nafbpo ... that you credit NAFBPO as being the provider.  (Mexico used to have their equivalent of our annual State ... .orgForeign News Report The National Association of Former Border Patrol Officers (NAFBPO) extracts [more...]

Date: 2008-11-28 13:46:02

Is Obama Lazy? Proof?

Rick Moran, American Thinker, 3/7/09 All we’re getting is whispers from the press, of course, A raised eyebrow here, a sad shake of the head there. But the picture that is emerging of Barack Obama, the executive, is not very flattering if you look between the lines. Jennifer Rubin: Well, it’s becoming obvious he’s not really much of a manager, decider, legislation-craftsman, or supervisor. His vetting process is in shambles and key Treasury slots are still vacant. [more...]

Date: 2009-09-30 22:12:35

Is the 6-month Stock Market Rally About to End?.

by Bob Chapman Global Research October 1, 2009 The G-20 Pittsburg Summit ended last Friday. Their official statements made for some novel and interesting reading. We were informed that the group could by working together could manage a transition to a more balanced pattern of global growth. Tending to domestic demand as private savings increase. It is obvious to us this cannot work. We are seeing increased savings and decreased consumption. The IMF as well agrees with these policies. [more...]

Date: 2009-10-01 17:54:55

Understanding How An Escrow Account Works and If You Should Avoid Them

An escrow account is established by a broker, under the provisions of law, to hold funds on behalf of two or more people until a contract or transaction has been completed.  People are most familiar with escrow accounts in conjunction with their mortgage.  A person’s mortgage lender sets up an escrow account to receive monthly payments from the home buyer which is usually lumped into the mortgage payment and used to pay for obligations such as homeowners’ insurance, property taxes, and assessments. [more...]

Date: 2009-10-01 12:00:44

Washington - Distracted Drivers Are a Safety Hazard on King County Highways

During Wednesday morning’s commute an off duty trooper observed an erratically driven BMW passenger car in the northbound lanes of SR-167 in Auburn.The off duty trooper reported the vehicle as he was certain the driver was impaired as he was watching him for over 3 miles drift in and out of his lane, driving on the shoulder, and at times taking up 2 lanes of travel. It turned out that the driver hadn’t had a drop of alcohol, but instead was reading the daily newspaper while driving to his destination. [more...]

Date: 2009-10-01 19:19:06

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