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 (145) | Videos (28)
 

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

How to Research Debt Collectors & Understand the Law

This is the first guest post in a special How to Fight Debt Collectors series on Bargaineering.com. So you’ve received a debt collection call or letter… In this day and age where you have rampant foreclosures, layoffs and job losses, it is simply inevitable that an individual may come across a debt collector, and frankly even without these external factors, it may just happen by a chance wrong number or even being related to someone going through a hard time financially. [more...]

Date: 2009-09-28 11:02:18

Here Are The Five Things We Need To Fix About Banking Right Now

Chairman Frank, Ranking Member Bachus, and other members of the Committee, I appreciate the opportunity to discuss ways of improving the financial regulatory framework to better protect against systemic risks. In my view, a broad-based agenda for reform should include at least five key elements. First, legislative change is needed to ensure that systemically important financial firms are subject to effective consolidated supervision, whether or not the firm owns a bank. [more...]

Date: 2009-10-01 13:39:00

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

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

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

Restoring Your credit Status

A significant feature in holding on to a high credit status is actually the contents of your credit report. The credit report is very much the chronicle of your monetary life, encapsulated in a comprehensive file. 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: 2009-09-20 10:19:50

Financial Crisis Inquiry Commission to Begin Investigations

(Editor’s Note: This post is based on a Gibson, Dunn & Crutcher LLP client memorandum by Michael Bopp and Aditi Prabhu.) This update focuses on the launching of the Financial Crisis Inquiry Commission (”FCIC” or “Commission”), which was created by Congress as section 5 of the Fraud Enforcement and Recovery Act, which became law on May 20, 2009. The bipartisan Commission is charged with examining the domestic and global causes of the current U.S. financial and economic crisis. [more...]

Date: 2009-09-22 13:23:42

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

So How Do I Get My Free Copy Of Credit Report Each Year?

by Andy Zain One of the benefits of being an American citizen is that each year we get a little gift in the form of a free copy of credit report. Instead of having to plunk down the five to ten bucks it used to cost per copy, we can get one free annually. We can thank the government for passing the 2003 Fair and Accurate Credit Transactions Act and giving us our little bonus. The three prominent national credit reporting agencies are the most affected by the law passed in 2003. [more...]

Date: 2009-09-25 07:53:49

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

The Poverty Business

Sorry if this appears to be an older article, and not latest headlines, just thought it was interesting - loki The Poverty Business Inside U.S ... a high school diploma, her employment options were limited. She landed a job as a home-health-care ... into Byrider, Tsosie drove off, jubilant, in a 1999 Saturn subcompact she bought entirely on credit [more...]

Date: 2009-01-15 00:45:24

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

Soimething to offend Everyone

Political satire or reality?We will do something a little different in today’s post. Rather that blather about our own political views, let me share with you the contents of an email I received from dear friend and colleague Dr. Jerry. We’ve omitted the illustrations from the original since my technical knowledge is not sophisticated enough to [more...]

Date: 2009-01-14 00:17:00

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

Writing Your Debt Collection Dispute Letter

This is the second guest post in a special How to Fight Debt Collectors series on Bargaineering.com. Writing a debt collection dispute letter is the first line of defense against a debt collector. Make them prove that the debt is legitimate before you do anything. Just because they have your name doesn’t mean the debt is legitimate. If you don’t remember it or you remember paying it off, a dispute letter can help you resolve it quickly. [more...]

Date: 2009-09-29 11:01:53

FCRA seven year credit reporting period

Amazon.de Widgets A good credit report increases your financial credibility and makes you eligible for loan approvals. But at times there are some mistakes in the credit report which hampers your financial status in a big way. Sometimes you can become a victim for the misleading information in your credit report. In such cases there is a stipulated time for the reporting period, which is generally seven years. There is a standard method for calculating the seven-year reporting period. [more...]

Date: 2009-09-23 18:30:50

Following Grueling Financial Times You Can Re-establish Your Credit

by Kevin Lynch Scores of people undergo times of fiscal hardships, bankruptcies, repossessions and other financial strains. These difficulties can initiate disorder with their credit history. When things get better and the circumstances changes don’t let the pressure of the past eclipse the improved times ahead. Tribulations on the credit report can soon become a thing of the past. [more...]

Date: 2009-09-22 08:49:34

Gates of Vienna News Feed 10/16/2008

A woman will lead Muslim prayers in Oxford. The EU bans incandescent bulbs. The FBI launches an investigation of ACORN.But the story about the subduing of the drunken hijacker on an airliner bound from Turkey to St. Petersburg is my favorite, because of this quote:“Surprisingly this hooligan was not British,” said an official at Pulkovo [more...]

Date: 2008-10-17 03:55:00

Fiserv Unveils Latest Fraud Risk Mitigation and Anti-Money Laundering Solutions

New releases designed to optimize financial crime risk management operations Brookfield, Wis., September 30, 2009 -PIN Payments News Blog - Fiserv, Inc. (NASDAQ: FISV ), the leading global provider of financial services technology solutions, today announced the availability of Fraud Risk Manager 4.6, the newest version of its multi-channel fraud detection and management solution. Also available is AML Manager 4.6, the market-leading anti-money laundering solution. [more...]

Date: 2009-09-30 14:11:00

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

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

Bailout smoke and mirrors; JwJ calls for protest today

National Public Radio is reporting this morning that the Senate is scheduled to vote tonight on a financial bailout bill that will be at the core ... : the new version would loosen accounting requirements on bank reporting of their assets ... "No BAILOUT Act" (never trust cutesy capitalized acronym titled bills) being proposed in the House [more...]

Date: 2008-10-01 17:11:38

19 Days After Viciously Attacking Guest Who Called The Economy “Dire,” Hannity Now Accuses Democrats Of Ignoring Catastrophic Economic Problems

Less than three weeks ago, Sean Hannity had a bullyboy temper tantrum when a guest dared to say that the American economy is in “dire straits ... News contributor so he ought to know the kind of reporting that goes on (or not) right ... It was the (Democratic-backed) Community Reinvestment Act that started this ball rolling down the hill [more...]

Date: 2008-09-30 09:10:44

Interview with Jillayne Schlicke - Part 1: LO’s Are You Ready for 2009?

I recently contacted Jillayne to see if she would be open to an “interview” geared to Loan Originators who plan to sticking around beyond the end ... series with the next post addressing the SAFE Act (national licensing). My questions to Jillayne ... such as mortgage broker LOs and CLA correspondent lenders, credit union and consumer loan  LOs [more...]

Date: 2008-11-05 20:31:30

19 Days After Viciously Attacking Guest Who Called The Economy “Dire,” Hannity Now Accuses Democrats Of Ignoring Catastrophic Economic Problems Since 2004

Less than three weeks ago, Sean Hannity had a bullyboy temper tantrum when a guest dared to say that the American economy is in “dire straits ... News contributor so he ought to know the kind of reporting that goes on (or not) right ... It was the (Democratic-backed) Community Reinvestment Act that started this ball rolling down the hill [more...]

Date: 2008-09-30 09:45:25

Yes, I dumped a post.

Yes, I dumped a post. 01-10-09 12:40 P GMT-08 I dumped a post in which I almost lauded Condi Rice for not making a statement about how the only ... states have been bitching about meeting guidelines on fair voting act rules and want them overturned ... to whites. To it's credit New Haven, Connecticut tried to stop using their racist test, but the [more...]

Date: 2009-01-14 12:59:49

Voting Rights Watch: Media exposure, voter education reduce 'lost' presidential votes in tight NC race

what it meant for the state to not only go Democratic, but elect the first African-American president, here ... declared with typical swagger in The New York Times that "Obama can write off Georgia and North Carolina ... Obama turn North Carolina blue? A number of factors gave him this victory: * Obama mobilized [more...]

Date: 2008-11-06 17:17:11

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

Gates of Vienna News Feed 11/16/2008

Don’t miss “Letter From Iceland” under the “General” heading. The most concentrated essence of the financial crisis can be found in Iceland, and the account of recent events there is fascinating — and sobering.Thanks to C. Cantoni, Conservative Swede, Diana West, Insubria, JD, no2liberals, RRW, TB, and all the other tipsters who sent these in [more...]

Date: 2008-11-17 04:57:00

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

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

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

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

ACORN Is Right, Lou Dobbs Is Wrong

By David Swanson In this video clip, Lou Dobbs of CNN tries to blame the community group ACORN, for which I used to work, ... remotely resembling the form it was in on Monday. But the bulk of Dobbs' reporting is absolutely crazy ... ://bradblog.com/?p=4372 And Dobbs focuses on the claim that by promoting the Community Reinvestment Act [more...]

Date: 2008-09-30 19:50:03

What Can You Do if You Have Problem Fixing Your Credit Report?

Have you ever had a problem that just won’t be resolved? The endless phone calls, letters and hours of worry can really start to get to you ... it to the credit bureau. It will be added to your credit report at no charge. The law, through the Equal ... . Often, there are mistakes made on credit reports that are difficult to correct. Perhaps someone [more...]

Date: 2009-01-16 07:34:40

take it on the chin

I am a firm believer that Ignorance and freedom is incompatible ... of a financial market stabilization act – this time, 450 pages of feces. Fuck bailing out banks, although ... like me to keep them, and the steady stream of mortgage payments going to said banks. Too much credit [more...]

Date: 2008-10-02 12:56:00

1 - 50 of 145 Posts
Page: First | < Preceding | Next >
0 | 1 | 2