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

Blog posts (150) | Videos (27)
 

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

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

Communique Issued and Obama Speaking Now

You can watch him live here: The text of the communique is below. Leaders’ Statement: The Pittsburgh Summit September 24 – 25, 2009 PREAMBLE 1. We meet in the midst of a critical transition from crisis to recovery to turn the page on an era of irresponsibility and to adopt a set of policies, regulations and reforms to meet the needs of the 21st century global economy. 2. When we last gathered in April, we confronted the greatest challenge to the world economy in our generation. [more...]

Date: 2009-09-25 21:36:12

FBI wants records from travel data aggregators

Ryan Singel of Wired News has reported that documents (see the links to some of them at the end of the Wired story) provided in response to requests under the Freedom of Information Act show that the FBI’s National Security Branch “National Security Analysis Center” (NSAC) has obtained a variety of commercial travel records from hotel chains and franchisers, car rental companies, and the operator of the financial clearinghouse for most airline tickets (and some other travel services) issued or [more...]

Date: 2009-09-28 16:42:58

Credit Card Laws and Court Rulings–Have They Helped Consumers?

This is a guest post by Bill Hardekopf, CEO of LowCards.com . Congress passed the Credit CARD Act in May but gave issuers and banks almost one year to implement the major provisions of the bill. Since then, issuers did exactly what they threatened to do–raise rates and fees on a broad group of cardholders. Consumers and elected officials are not happy about this, and members of Congress plan to introduce a bill to accelerate the effective date of the bill from February 22, 2010 to December 1, 2009. [more...]

Date: 2009-09-25 19:18:38

Is Obama Fulfilling ACORN’s Agenda?

Here is a copy of ACORN’s so-called People’s Platform , via the Internet Archive’s Wayback Machine, which we first posted back on October 16, 2008 . As is noted below, this platform was updated in 1990 in Chicago, which was just two years before Mr. Obama began to work for the organization via Project Vote and as a trainer for their "power" seminars. Note how many of ACORN’s demands are being accomplished by Mr. Obama since he has assumed office. [more...]

Date: 2009-10-01 04:00:00

AEI Interns’ Transcripts in Date Order: Their Own First Draft of History

First of all, I want to reemphasize everything Laurie just said. This is not a new threat, and this is not a threat we did not know about. Saddam Hussein has, in many ways, openly dreamed of mass death in the United States. He has shared his dreams with his nation and the world many times. We also know he has actively planned to do so many times, and Laurie’s book is a rather convincing argument that he is active and successfully implemented plans to do so as well. [more...]

Date: 2009-09-28 08:30:21

Restoring Your credit Status

by Bob Jones A crucial aspect in maintaining a high credit status is in point of fact the contents of your credit report. The credit report is very much the history of your monetary life, contained in a comprehensive document. The credit report details the credit score, which is a numeric grade typically between 300 and 850. Most lenders use the credit score to help them make their mind up whether you are worthy of credit. Furthermore, the score is also used to conclude your capability of paying a loan. [more...]

Date: 2009-09-29 08:16:24

Where has the Bailout Money Gone? Good Billions After Bad

Where has the Bailout Money Gone? Good Billions After Bad Vanity Fair by Donald L. Barlett and James B. Steele As the Bush administration waned, the Treasury shoveled more than a quarter of a trillion dollars in tarp funds into the financial system—without restrictions, accountability, or even common sense. The authors reveal how much of it ended up in the wrong hands, doing the opposite of what was needed. Just inside the entrance to the U.S. [more...]

Date: 2009-09-28 06:17:36

Restore Your FICO Score – Part Three

In the previous parts of this article we discussed how FICO score can impact your financial status as well as the initial steps that you can take to begin restoring your FICO score. We covered handling collections first since they do have a big impact on your overall score, but there are a few other ways that you can quickly see a big jump in your score. After you have the collections on your account either settled or verified, double check to make sure that they were removed from your credit report. [more...]

Date: 2009-09-30 00:20:38

Following Grueling Financial Times You Can Re-establish Your Credit

September 29, 2009 | By Kevin Lynch In Blogging | by Kevin LynchRebuilding credit after a time of monetary hardships, insolvency, repossessions or other monetary damage that blemishes any credit report can be frightening and baffling. For most people these are times of awful pressure. But times change and situations change so don’t let the liberation than comes when the income and cash get back in line be overshadowed by the problems left on the credit report. [more...]

Date: 2009-09-29 17:00:00

“Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!”

Note: Cross posted from Battered Mothers Rights – A Human Rights Issue.Permalink “Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!” Trag·e·dy (trj-d) n. pl. trag·e·dies – 1. A drama or literary work in which the main character is brought to ruin or suffers extreme sorrow, especially as a consequence of a tragic flaw, moral weakness, or inability to cope with unfavorable circumstances. [more...]

Date: 2009-09-27 19:55:11

“Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!”

Note: Cross posted from Battered Mothers Rights – A Human Rights Issue.Permalink “Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!” Trag·e·dy (trj-d) n. pl. trag·e·dies – 1. A drama or literary work in which the main character is brought to ruin or suffers extreme sorrow, especially as a consequence of a tragic flaw, moral weakness, or inability to cope with unfavorable circumstances. [more...]

Date: 2009-09-27 20:08:28

“Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!”

Note: Cross posted from Battered Mothers Rights – A Human Rights Issue.Permalink “Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!” Trag·e·dy (trj-d) n. pl. trag·e·dies – 1. A drama or literary work in which the main character is brought to ruin or suffers extreme sorrow, especially as a consequence of a tragic flaw, moral weakness, or inability to cope with unfavorable circumstances. [more...]

Date: 2009-09-27 19:58:58

“Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!”

Note: Cross posted from Battered Mothers Rights – A Human Rights Issue.Permalink “Media calls it TRAGEDIES these are OUTRAGES get it right media!! Crimes against others are not Tragedies they are OUTRAGES!!” Trag·e·dy (trj-d) n. pl. trag·e·dies – 1. A drama or literary work in which the main character is brought to ruin or suffers extreme sorrow, especially as a consequence of a tragic flaw, moral weakness, or inability to cope with unfavorable circumstances. [more...]

Date: 2009-09-27 20:12:59

Recent Tweets from the BARN

CLICK HEREto hear parts of these stories inside theBARN’s Morning Ag News with NAFB Broadcaster Brian AllmerNational Ag News for October 1, 2009Sponsored by the American Farm Bureau Federation“September Pork Loses Climb”U.S. hog producers lost around 46-dollars per hog during September. According to experts at Iowa State University, that’s the largest per animal loss in the string of monthly losses that have now gone on for two years. [more...]

Date: 2009-10-01 11:45:02

Find Out What Debt Validation Means And Why It’s Important

Imagine getting a phone call or a knock on the door, and when you answer it, a person called Victor says that he been authorized by someone name Joe to collect a debt that you owe him, and it’s true that you do owe somebody called Joe some money. Even if you had the money, and knew that you owed it, would you pay this new person on the scene? I’m pretty sure that you wouldn’t even consider for a moment giving Victor any money, until you were 100% sure that he was really acting on Joe’s behalf. [more...]

Date: 2009-09-26 20:20:24

Text of Kerry-Boxer Clean Energy Jobs and American Power Act, The Senate's Cap-and-Trade Climate Legislation

A SUMMARY OF THE CLEAN ENERGY JOBS AND AMERICAN POWER ACT AS INTRODUCED September 30, 2009 SECTION 1 . SHORT TITLE ; TABLE OF CONTENTS . This Act may be cited as the “Clean Energy Jobs and American Power Act”. Sections 2. Findings. Describes the impacts of climate change and the benefits of transitioning to a clean energy economy. Section 3. Economywide Emission Reduction Goals. Establishes targets for reducing global warming pollution. Section 4. Definitions. [more...]

Date: 2009-10-01 12:11:00

Speak No Bias: The Times Only Concedes ‘Insufficient Tuned-in-ness’

Poor Clark Hoyt. He has the toughest job in journalism. As public editor of the New York Times, it is his job to explain away the Gray Lady’s bias.Whenever the Times doesn’t report a bad-news-for-the-left story or mangles a hit piece on a conservative he’s there to tut-tut, but never under any circumstances will he concede the error is due to political bias.He was tapped this past weekend to explain away the non-coverage of ACORN by the Times. [more...]

Date: 2009-09-29 07:18:25

Following Complicated Financial Times You Can Restructure Your Credit

September 25, 2009 | By Kevin Lynch In Finance | by Kevin LynchLots of individuals go through times of monetary hardships, bankruptcies, repossessions and other financial strains. These difficulties can initiate chaos with their credit history. When things get improved and the circumstances changes don’t let the tension of the past surpass the better times ahead. Troubles on the credit report can soon become a thing of the past. [more...]

Date: 2009-09-25 16:27:16

How to Improve Your Credit Score When Paying Down Debt

Kudos to you for focusing on paying down your debt. Regardless of what you do from here on out from a credit score perspective, you are already doing the best of all things – paying down your debt. However, you can make some small mistakes in the process that will hurt the improvement of your credit score. Hopefully, with some advice, you can avoid them. Don’t Cancel Cards When you pay off a credit card, it’s very tempting to cancel the card and cut it up into tiny little pieces. Please don’t. [more...]

Date: 2009-09-29 11:00:28

Reinventing America

America faces serious challenges to maintain its storied status quo. Hurdles include a sinking economy, wars in Iraq and Afghanistan, the rising cost of education, global warming, a crumbling infrastructure and American workers with uncertain futures. Trendwatchers are more acutely aware of these issues than most, but they’re also more hopeful [more...]

Date: 2009-01-13 09:40:59

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

Credit Repair Company

by Brent Hansen Bad credit history can bar one from getting a job, getting a loan, obtaining a lease or even in securing credit. Several people look for ways through which they can repair their credit in order to obtain or secure the credit they are looking for. This is because most of the lenders consider the credit history to be accurate and the best means that can help in judging an individual especially for prompt payments. [more...]

Date: 2009-09-30 12:07:14

How Do I Get My Government Credit Report?

How Do I Get My Government Credit Report? by Andy ZainUnder 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 companiesContained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-26 12:05:50

The Shadow Gold Price

“The Shadow Gold Price” Paul Brodsky & Lee Quaintance run QB Partners, a private macro-oriented investment fund based in New York.” ~~~~ Conclusions: Spot Gold is fundamentally cheap versus its intrinsic monetary value by a factor greater than 10 Stocks are empirically very cheap versus the current quantity of paper money bank reserves [more...]

Date: 2008-12-10 13:00:25

Gates of Vienna News Feed 1/5/2009

Read through the official European reactions to Israel’s ground offensive into Gaza: Zapatero, the Vatican, the Italian government — all are pressuring Israel for a ceasefire. The surprise is Dutch Prime Minister Jan Peter Balkenende, who states that it would be pointless to condemn Israel without addressing what Hamas is doing [more...]

Date: 2009-01-06 04:54:00

Gates of Vienna News Feed 1/2/2009

In tonight’s news: Israel is poised to send ground troops into Gaza.A Muslim family was removed from a plane before takeoff, and is being compensated by the airline for the error. CAIR is in high dudgeon about the incident.Thousands of shoes were dumped on a Miami expressway — is that a message for President-eject Bush? [more...]

Date: 2009-01-03 04:42:00

De-leveraging the Children of Wall Street

submitted by James Baker Welch, VP of Rothschild Investments One of the most stunning facts of the 2008 Financial Melt-down has been the wholesale ... regulatory agencies to determine if the institution has met the credit needs of its entire community. 1   The CRA began to compel banks to underwrite less credit-worthy mortgage loans in order [more...]

Date: 2009-01-15 15:40:18

Oversight Panel Report Grim, Tough, Inviting

Americans are being formally invited to participate in discussingthe ongoing federal program to stabilize the ... the program’s implementation. The panel also issued its first report yesterday, signed by the panel’s Chair ... and New York Superintendent of Banking, Richard Neiman. (One panel member, Rep. Jeb Hensarling [more...]

Date: 2008-12-11 22:13:12

To p2pnet — ‘You’ll be sorry!’

p2pnet news view Freedom | P2P: “You a fucking washed out loser. You can not make a living in any other way except by running a site which says it is a new site that which is nothing but you shooting your mouth off.” That’s part of several emails I found waiting for me following yesterday’s Trolls? Not. But flames? OK (mostly) [more...]

Date: 2008-11-23 15:27:24

Roman Polanski is Not a Victim

Enough already. The Global Committee to Defend Roman Polanski is shocked and appalled by the arrest of their talented friend in Switzerland over the weekend. This quote from our colleague Bruce Crumley's report from France provides a flavor of the outrage: "To see him thrown to the lions and put in prison because of ancient history [more...]

Date: 2009-09-28 21:33:59

Fair Weather Friends of the Market

It’s hardly a news flash that many people who are widely regarded as lions of the pro-market side have gone over to the dark side in recent months ... tremendous volatility, officials at the Fed and the Treasury began to act as if imminent disaster loomed ... have known better began to talk and to act as if the economy stood on the brink of complete [more...]

Date: 2008-12-25 22:46:08

How To Get Your Free Government Credit Report

How To Get Your Free Government Credit Report by Andy ZainBy law, you are entitled to one free government credit report each year, but you have to apply to get it. The consumer reporting companies are covered by the Fair Credit Reporting Act to ensure privacy and accuracy.Contained in your credit report is personal information like how you pay your bills, any arrests, bankruptcies or legal actions, as well as your full name and address. [more...]

Date: 2009-09-30 08:17:23

DrumBeat: December 29, 2008

Gazprom, Once Mighty, Is Reeling MOSCOW — A year ago, Gazprom, the Russian natural gas monopoly, aspired to be the largest corporation in the world. Buoyed by high oil prices and political backing from the Kremlin, it had already achieved third place judging by market capitalization, behind Exxon Mobil and General Electric [more...]

Date: 2008-12-29 14:06:30

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

You Can Stop a Junk Debt Buyer’s Collection of Your Older Credit Card Debt

by Matthew Highlander A consumer with knowledge of existing consumer protection laws can stop a junk debt buyer’s credit card debt collection attempts. Junk debt buyers are companies that buy batches of thousands of discharged credit card accounts from the credit card banks for pennies on the dollar (under 10 to 15 cents per dollar of debt). Junk debt buyers also resell these accounts to each other for as little as less than one cent per dollar of debt. [more...]

Date: 2009-10-01 18:47:03

Hillary Clinton Re-Imagined

Hillary Clinton Re-ImaginedHillary Rodham Clinton will serve in a non-partisan role as secretary of state, which may provide her an opportunity to recast her legacy.Hillary Rodham Clinton's confirmation hearing today in front of the Senate Foreign Relations Committee marks a turn in the legacy of a family that has dominated Democratic politics for [more...]

Date: 2009-01-13 20:05:21

Credit report: check yours

Checking your credit reportAccording to the Federal Trade Commission, one in six Americans will be a victim of identity theft this year. It’s more important than ever to make sure you check your credit report often to make sure you are not a victim. It is also easier than ever to check your credit report and the best part, it’s free.A few years ago, Congress passed the Fair and Accurate Credit Transactions Act (FACT Act). [more...]

Date: 2009-09-30 19:27:34

Friday wrap

Dem Congress to pump raw sewage into nation's workplaces ... The AFL-CIO advanced an argument detailing why a "majority sign-up" is the best option for preserving "the freedom of working people." Below is a syllogism that encapsulates an argument found on the AFL-CIO website.1. The workplace environment has been poisoned by browbeating employers.2 [more...]

Date: 2009-01-16 11:30:00

Choosing a Credit Repair Firm

Credit repair is a million dollar industry with a lot of scams. Finding a loan with poor credit isn’t hard, getting a decent interest rate can be. When you clean up your credit report you end up saving hundreds, if not thousands, of dollars ... guide and your 3-in-1 credit report; Whichever way you decide to go, here are just a few tips [more...]

Date: 2009-01-15 18:49:38

NY-Senate: Much Ado About Nothing (Yet)

NY-Senate: Much Ado About Nothing (Yet) Caroline Kennedy listens to a reporter's question during a news conference at City Hall in Buffalo, N.Y. on Wednesday, Dec. 17, 2008. Kennedy is campaigning for the open Senate seat vacated by Hillary Clinton. (AP Photo/Don Heupel) An Associated Press report this morning citing two anonymous sources [more...]

Date: 2009-01-02 23:00:00

Federal Reserve, Treasury Announce $800 Billion Plan to Support Consumer Lending

Let's see, Bloomberg said yesterday that the Federal government had committed $7.4 trillion to lending facilities and guarantees ... points, due to a GDP report that revised third quarter growth from positive 0.3% to negative 0.5 ... (TALF), a facility that will help market participants meet the credit needs of households and small [more...]

Date: 2008-11-25 15:09:54

Credit Crunch-ed by Credit Crooks

The Credit Crunch has finally personally affected me and it makes me furious! When I began house shopping months ago, I pulled my credit report ... that my credit card had been closed due to inactivity.  My credit report will now say, “Lender closed ... account.” CCC: Well, you were not using the card so we closed it. Me: First, the Fair Credit [more...]

Date: 2009-01-15 14:00:48

Debt Validation And Collection Agencies

Under the FDCPA or the Fair Debt Collections Practices Act , you have the right to “debt validation”. This is a demand from the collection agency and the original creditor that the debt is really your responsibility and that the balances, terms of the loan and any other pertinent information is correct and accurate. A collection agency must also provide proof that they have the legal right to attempt to collect the debt. [more...]

Date: 2009-09-29 23:06:03

Gates of Vienna News Feed 1/6/2009

Tuan Jim sends an string of important news articles about the gas pipeline crisis caused by the deadlock between Russia and Ukraine. He notes that the affected countries are dusting off alternative sources of energy — fuel oil and nuclear reactors — for electricity generation.Thanks to AA, Abu Elvis, C [more...]

Date: 2009-01-07 04:50:00

HOLLYWOOD's HOTTEST BUNS: the fine behind of Beyonce; her backside is beyond the realm of bubble perfect; she has a stupid butt!

Beyoncé Giselle Knowles (pronounced /biːˈɑn.seɪ/, born September 4, 1981), commonly known as Beyoncé, is an American R&B singer-songwriter, record producer and actress. Born and raised in Houston, Texas, she enrolled in various performing arts schools, and was first exposed to singing and dancing competitions as a child [more...]

Date: 2009-01-16 04:59:00

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