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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

Blog posts (220) | Videos (42)

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

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

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

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

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

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

Top 10 Online Freebies and Deals [Lifehacker Top 10]

Unless you're a financial Jedi Knight or economic Sith Lord, you probably don't have a ton of control over our turbulent economy ... free credit report. If you're looking for the federally-mandated, completely free, no-service-cancellation-needed online credit report you're entitled to once per year, head to AnnualCreditReport.com. [more...]

Date: 2008-11-01 16:00:00

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

Saving on Education Related Expenses

Saving on Education Related Expenses With all the other demands placed on your budget, finding room for one more expense may seem impossible ... your limit- this shows up on your credit report and gives your credit card company an excuse to charge ... the federal government’s financial aid website- www.fafsa.ed.gov, which will take you through a step [more...]

Date: 2009-01-11 14:47:52

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


If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Free Credit Reports Now Available From the FTC

The Federal Trade Commission (FTC) has set up a new website (www.AnnualCreditReport.com) ... ) or by mail by writing to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 ... report bureaus (Equifax, TransUnion and Experian). The FTC site was set up as part of the Fair [more...]

Date: 2008-11-04 19:30:27

For the First Time, American Debt Shrinks

By: Roshawn WatsonAccording to third quarter Federal Reserve's flow of funds report, American debt has decreased for the first time ... , this change is not entirely voluntary. For example, we previously reported that credit cards were tightening credit worthiness criteria. Well, it is having a huge impact of the availability of credit. Auto [more...]

Date: 2008-12-15 15:34:00

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

Bernanke Casts Doubt on Stimulus, Says Fed May Buy Toxic Assets to Loosen Credit

Warning that the timing of an economic recovery is “highly uncertain,” Federal Reserve Chairman Ben S. Bernanke said yesterday (Tuesday) ... about the continuing chokehold banks have put on credit to companies and households than he is about offering ... of the economy where liquidity has dried up for “credit easing”, reported the Guardian. “Credit sprea [more...]

Date: 2009-01-14 14:57:59

President’s Advisory Council: Tips to Managing Your Money in Challenging Times

AN IMPORTANT MESSAGE FROM THE PRESIDENT’S ADVISORY COUNCIL ON FINANCIAL LITERACY “We believe that the current economic crisis underscores the need ... controlyourcredit.gov. Also, to protect against identity theft, get a free copy of your credit report ... in Challenging Times 1. Understand how your bank or credit union account is insured. The Federal [more...]

Date: 2008-12-16 15:58:07


BEWARE OF “FORECLOSURE RESCUE” SCAMS January 16, 2009 By: credit ... the Times reports. The Federal Trade Commission has already sued five companies representing 20,000 ... . What can consumers do? Be wary of companies that charge upfront fees and promise results, an FTC official tells [more...]

Date: 2009-01-16 15:38:28

The deregulation and free markets myth

Walter E. Williams destroys the liberal's claim that deregulation and free markets caused the financial meltdown: News media people, ... Times article, "Fannie Mae Eases Credit To Aid Mortgage Lending" (Sept. 30, 1999), reported, "Fannie ... Report (November/December 2008). The Federal Register, which lists new regulations, annually [more...]

Date: 2009-01-15 13:28:18

Council Vice Chairman John Hope Bryant Shares Council Tips for the Public During Tough Times

AN IMPORTANT MESSAGE FROM THE PRESIDENT???S ADVISORY COUNCIL ON FINANCIAL LITERACY November 25, 2008 ??? ... theft, get a free copy of your credit report at annualcreditreport.com. ... how your bank or credit union account is insured. The Federal Deposit Insurance Corp. (FDIC [more...]

Date: 2008-12-08 03:23:03

Tiny charges could mean big trouble

Ever charged 19 cents on your credit card? I never have, and I imagine most of you haven't either ... like this, dispute it with your credit card company. Also, report the crime to the Federal Trade ... . But several Internet message boards are on fire with complaints from credit card users [more...]

Date: 2009-01-12 22:37:24

Save these dates: Your 2009 money calendar

By Jessica Anderson JANUARY Jan. 1: If you have a kid heading to college in the fall, submit the Free Application for Federal Student Aid (FAFSA) ... . 9: Watch the mail for notice of your new Medicare Part B premiums. Jan. 12: Get a free copy of your credit report at annualcreditreport.com. Jan. 15: Estimated federal taxes for the fourth [more...]

Date: 2009-01-02 17:49:19

MortgageNewsClips: Ira’s Best Must Read, Loan Mods R Ezier, CU Rescue, 33 Act & Lawsuits, Only 4 Homes?, Right & Wrong, Diane Swonk, Chris Whalen, Denying Blame, 5 more

ANOTHER MUST READ - Ira Artman has a thoughtful post on the future of securitization and the revival of ... is foreseen. … - Reuters  2.  Regulators preparing rescue of credit unions: report -  Federal regulators are preparing a rescue plan to shore up the finances of some large credit unions, using [more...]

Date: 2008-12-11 01:54:43

Benefits of Identity Theft Shield

Attorney General John Ashcroft called identity theft as “one of the fastest growing crimes in the United States”. Federal Trade Commission (FTC) ... can hire credit-monitoring services that alert them when there are changes in their credit report ... are there to fight for you. To prevent identity fraud, experts recommend that you review your credit repo [more...]

Date: 2008-12-27 18:30:03

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

FX Market Overview

Yesterday was a dark day for most markets and the deluge of dreadful dire data didn’t desist ... of increasing unemployment and tight credit markets made their presence felt. US factories also prepared ... and the US Federal Reserve’s Beige Book; a report from the 12 Federal Banking regions was about as depressing [more...]

Date: 2009-01-15 12:33:43

FTC's Credit Clean Sweep

The Moneysherpa Pages: FTC's Credit Clean Sweep Today, the Federal Trade Commission ("FTC") ... on false and misleading statements by "Credit Repair Operations." Lydia Parnes, Director of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit reports [more...]

Date: 2008-10-23 21:20:35

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

Have you seen my $700Billion? Where did it go?

Tuesday, January 6th, 2009 U.S. Banks Refuse to Detail How They’re Spending Federal Bailout Money [ ... /The Money Map Report After receiving hundreds of billions of dollars in taxpayer-funded federal bailout ... as far away as China. Meanwhile, credit remains tight here in the U.S. market, a situation that could [more...]

Date: 2009-01-12 04:23:53

America Must Not Bail Out Sharia Finance (but we will)

Gold Diggersof 1933 ~ We're in the MoneyFeaturing Ginger RogersAmerica Must Not Bail Out Sharia Finance October 3, ... and World Report magazine reported on how the "Federal Reserve extended an $85 billion loan ... takeover so far in the ongoing credit crisis." What the American public hasn't seen yet [more...]

Date: 2008-10-04 19:49:00

Retail Sales Down 2.8% in October

Yet more evidence that consumers are hurting. From the Wall Street Journal: U.S ... reports, Federal Reserve policymakers should have added flexibility to address the credit crisis ... and the biggest since records began in 1992, the Commerce Department said today in Washington [more...]

Date: 2008-11-14 13:55:56

FTC's 'Operation Clean Sweep' Targets 'Credit Repair' Companies

The Federal Trade Commission, in cooperation with 25 state agencies in 23 states, ... they can remove negative information from consumers’ credit reports – even if that information is accurate and timely. WHEN: October 23 – 10:30 a.m. WHERE: FTC Headquarters 600 Pennsylvania Avenue, N.W. [more...]

Date: 2008-10-22 09:09:40

Tips for the online safety of your credit card

  By Pinaki Ghosh Once you take the plunge into the internet marketing business, ... is scrambled over the net; which means your credit card information is safe. But the FTC (Federal Trade Commission) reports that these symbols can be duped also. • It’s not safe to pass on your credit [more...]

Date: 2008-12-17 15:43:24

7 Ways to Protect Your Privacy

... and credit card statements and report and discrepancies immediately. Never give your credit card number over ... Image via Wikipedia Posted in Money Matters Here in Canada, there are Federal and Provincial [more...]

Date: 2008-11-08 17:32:46

What Are the Most Common Ways to Commit Identity Theft or Fraud?

It’s the number one source of consumer complaints at the Federal Trade Commission (FTC) ... when you’re gone. If your employer is authorized to pull credit reports on employees or potential customers ... number (SSN), bank or credit card account numbers, income, name, address, or phone number, and use [more...]

Date: 2008-10-18 03:19:05

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


NEW YORK - Pay roll company Automatic Data Processing said private sector employment rose by 9,000 in July, making investors cautiously optimistic about the government’s upcoming July employment report. WASHINGTON - The Federal Reserve took further steps Wednesday to battle a global credit crunch [more...]

Date: 2008-07-31 00:16:30

Actually -- There Is A Credit Crunch

Recently the Minneapolis Federal Reserve Issued a Paper titled, "Facts and Myths About the Financial Crisis of 2008 ... data." So - who is right?Information contained within the Minneapolis Fed's report casts doubts ... . They look at total bank credit outstanding, total loans and leases, total commercial and industrial [more...]

Date: 2008-12-19 15:30:00

Dull day for precious metals

Strong dollar and sliding crude price impact pricesBullion metals ended substantially lower for fourth straight day on Thursday, 15 January, ... -oil futures fell after slew of weak economic reports that hit the wires today. Crude prices ended ... and credit crisis spurred the Federal Reserve to slash borrowing costs. In the last move, the Federal [more...]

Date: 2009-01-16 02:54:00

Should America Bail Out AIG’s ‘Sharia’ Finance?

Should America Bail Out ‘Sharia’ Finance? On September 17, 2008, the U.S. News and World Report magazine reported on how the “Federal Reserve extended an $85 billion loan ... government takeover so far in the ongoing credit crisis.” What the American public hasn’t seen yet [more...]

Date: 2008-10-06 15:47:22

Home Equity ID Theft Ring Points to a Bigger Problem

On Monday, Federal authorities informed the public of a series of arrests where identity theft was used to steal the equity out of homes ... used even contained credit applications, credit reports, and the victims' signatures, according [more...]

Date: 2008-11-28 17:23:00

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

Bankruptcy reform *now*!

David Sirota:Back in December, I published a newspaper column looking at a little-noticed Federal Reserve Bank report showing that the Bankruptcy ... facing foreclosure or otherwise delinquent on their payments. Credit Suisse now estimates that 8.1 ... into delinquency within six months.Voluntary mortgage modifications do not work in part because many [more...]

Date: 2009-01-12 20:35:29

The Subprime Crisis Hits Home Hard in California—Package of Bills Heading to the Governor

By Mark Ridley-Thomas California State Senate Chair, Legislative Black Caucus It comes as no surprise, ... and harnessed with unsustainable high interest subprime loans, whether they had good credit ... loans compared to any other group, according to a report by the Consumer Federation of America [more...]

Date: 2008-09-09 22:52:06

Few following DIAC in Gershon hiring drive

Most large federal government agencies this week said they had no plans to follow the Department of Immigration and Citizenship's lead in hiring a ... recommendations. Razor: Gershon and Tanner Sir Peter Gershon and Lindsay Tanner (Credit: Brian Hartigan) The Gershon report, which has been endorsed as an action plan by Federal Cabinet, found [more...]

Date: 2009-01-15 05:57:02

US Vehicle Miles Traveled Drop 3.7% In May; Experts Think Could Possibly Be Related To Higher Gas Prices Or Something [I Feel Gassy]

According to a report from the U.S. Federal Highway Administration, Americans drove 3.7% less in May 2008 than in May 2007 ... like it then just swim your ass back to Russia, ya commie. Green Car Congress; Photo Credit: Free-StockPhotos.com ... particularly significant as a big vacation travel time. The report notes the decline is primarily [more...]

Date: 2008-07-29 13:40:00

Morning Update

Concerns PersistWorries about the health of the financial sector are persisting and a small profit from JP Morgan Chase is doing little to assuage concerns after a report that Bank of America is negotiating with the federal government over aid ... . The bank also faced higher credit costs associated with a continued deterioration across its loan [more...]

Date: 2009-01-15 14:58:00

Beige Book in a tag cloud: Continued gloom

The Fed’s Beige Book is a hefty document that several times a year pulls together reports on economic activity from each of the Federal Reserve's 12 ... have been worse. To their credit, the Beige book's writers used many different phrases: "continued to weaken ... cloud! activity banks business commercial conditions construction consumer contacts [more...]

Date: 2009-01-14 20:53:43

LifeLock Protects Your Credit And Identity

Identity theft is one of the fastest growing crimes in the United States. Federal Trade Commission (FTC) ... . To prevent identity fraud, experts recommend that you review your credit report regularly. You must ... 9 million Americans (or 4.25% of all adults) are victims of ID theft on an annual basis, resulting [more...]

Date: 2008-11-06 13:10:10

Treasury Official Interviewing for Fed Job

David McCormick, the Treasury Department’s undersecretary for international affairs, ... banking business of Credit Suisse and Terrence Checki, head of the Federal Reserve Bank of New York ... despite recent reports that New York bankers are trying to draft him. He won’t be in New York interviewing [more...]

Date: 2009-01-09 14:35:00

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