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

Blog posts (114) | Videos (32)
 

linkblog: Jun 25

linkblog: Jun 25 June 26, 2008 – 2:04 am Engagd.com Pull all your APML together and get a clear picture of what gets your attention ... AnnualCreditReport This is a great site to get your free annual credit report from all three reporting agencies. This site is recommended by the FTC. The JavaScript Source: Forms : Clipboard Copy [more...]

Date: 2008-06-26 06:04:57

About Technology - Bank turmoil fuels phishing boom

About Technology - ... are completed. In its second annual report, the All Parliamentary Group on ID Fraud said tighter credit ... Trade Commission (FTC) issued a warning saying phishing gangs were using the turmoil to extract [more...]

Date: 2008-10-10 12:43:10

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

Get Identity Protection From LifeLock.com

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

Date: 2008-09-14 09:52:14

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part One – TransUnion

Those songs from a certain misleading ad campaign sure are catchy – and I don’t just mean that their melodies are hooky and infectious. The main catch from this supposed freebie website  (which shall not be named so as not to introduce any possible confusion with the only FTC authorized vendor of free annual credit reports) is that while the credit report is free, the “credit monitoring” service certainly isn’t.Aand it’s no walk in the park to cancel it either. [more...]

Date: 2009-07-27 10:54:03

Functional Medicine II

In searching for just what FM is, one has to in a way read between lines. Claiming to treat the “underlying cause” of a condition raises the usual straw man argument that modern medicine does not, which of course is untrue. It also implies that there are underlying causes known to them and not to straights. FM claims to treat chronic disease which FM claims is inadequately treated by medicine.  FM claims to be a more advanced approach both in conceptual thinking and in practical management. [more...]

Date: 2009-07-23 21:19:53

How to Recover From A Bad Credit Rating As A Result of Hard Financial Times

by Darrell Price Repairing your credit after you have suffered through a crisis such as a bankruptcy, foreclosure or a series of unfortunate financial events is a must if you are going to move on with your life. There is a lot to know about repairing your credit and raising your scores. Don’t worry; it is not difficult with the tips provided in this article. If you are seeking for information on repairing your own credit, then you must understand the dynamics of the process and start with the basics. [more...]

Date: 2009-07-11 07:09:11

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

Student Loan Money Does Not An Income Make

Unfettered access to credit cards for college students has finally ended due to the Credit CARD Act of 2009.  HR 627 (section 301) lays the smack down on parasitic credit card companies who lure students into their credit fiefdom with the promise of free hats or a t-shirt. Photo by Andres Rueda If I sound anti-credit-card-companies-using-freshman-college-students-with-no-jobs-and-major-student-loans-as-a-base-of-new-yet-to-be-educated-credit-consumers, you would be correct . [more...]

Date: 2009-08-03 16:35:50

How To Protect Yourself From Offline And Online Identity Theft

The internet is an incredibly powerful tool for sharing information, communicating, and learning, but it’s also an excellent resource that identity thieves use to obtain your personal information.  Identity theft is the fastest growing crime in the United States and nowadays most people don’t give a second thought to posting their full name, address, and phone number on popular social networks like Facebook, MySpace, or Twitter. [more...]

Date: 2009-06-12 01:56:29

How To Avoid Credit Repair Scams And Get Your Credit Repaired Safely

by Compton Marsh The FTC or Federal Trade Commission has been investigating consumer complaints of fraud and unfair business practices in the United States for more than 90 years. They also work on behalf of the consumer by gathering and publishing consumer information to help educate and inform them. Many companies promise to help repair your credit, but are some of them actually making claims they can’t keep? Some state that they can repair your credit in a short period of time. [more...]

Date: 2009-07-25 09:40:46

Free Spyware Deleter-Why Free Spyware Deleter Is Not Good?

There are numerous programs available on the internet that claim to delete spyware for free, but it is important that they are assessed use. The freezing problem in a computer can occur due to a number of different reasons, including attack of spyware, malware, hardware problem or corruption of registry. There are a number of sources from where these spyware can enter your PC. Anonymous emails, strange websites, and sometimes certain blogs are involved in the spread of these spyware. [more...]

Date: 2009-07-04 07:43:12

How The FTC Helps To Protect Your Credit Repair Consumer Rights

by Hutchinson Rose The FTC or Federal Trade Commission works on behalf of consumers throughout the United States for more than 90 years. They gather and publish consumer information to educate and inform them. They also investigate consumer complaints of fraud and unfair business practices. Many companies promise to help repair your credit, but are some of them actually making claims they can’t keep? Some state that they can repair your credit in a short period of time. [more...]

Date: 2009-07-26 14:00:28

NRMLA Questions Validity of Consumer Reports Reverse Mortgage Investigation

When researching a product, be it a flat-screen television or a car, many of us often turn to Consumer Reports for an evaluation of what is available.   But after reading their reporting on reverse mortgages in the September 2009 issue (“Reversals of fortune: The next financial fiasco?  Can it be reverse mortgages”), one has to question whether there is any validity to anything that ever appears in the magazine. [more...]

Date: 2009-09-03 18:18:01

Examples of Questionable Business And Marketing Practices And How Not to Fall for Them

This is a guest post by Mr Credit Card from askmrcreditcard.com.  Mr Credit Card reviews credit cards , lots of them!  Today, he would like to share his thoughts on questionable business and marketing practices and how we fall for their hype. You can subscribe to his RSS feed here . First, I would like to thank Peter for letting me do a guest post here. Being a Christian myself, I have been very impressed with how Peter shares his thoughts about what the bible says about money and other things. [more...]

Date: 2009-06-22 11:40:48

How To Avoid Credit Repair Scams And Get Your Credit Repaired Safely

by Dyer Harrison The FTC or Federal Trade Commission investigates consumer complaints of fraud and unfair business practices throughout the US for more than 90 years. They also inform and educate the consumer with published information on credit repair and credit repair agencies. Many companies promise to help repair your credit, but are some of them actually making claims they can’t keep? Some state that they can repair your credit in a short period of time. [more...]

Date: 2009-07-30 07:52:09

Credit Card Fraud–How to Protect Yourself

This is a guest post by Bill Hardekopf, CEO of LowCards.com . This week, Albert Gonzalez was charged with involvement in the biggest case of credit/debit card data theft in United States history. Federal prosecutors allege that he was part of a group of hackers that seized access to 130 million credit and debit accounts. This is a startling number and a good reminder of the importance of protecting account information. [more...]

Date: 2009-08-20 18:57:27

How The FTC Helps To Protect Your Credit Repair Consumer Rights

by Tanner Sims The FTC or Federal Trade Commission investigates consumer complaints of fraud and unfair business practices throughout the US for more than 90 years. They also inform and educate the consumer with published information on credit repair and credit repair agencies. Some credit repair agencies have been charged with making fraudulent claims and you should be aware of this. Some companies might claim to repair your credit in a short period of time and the FTC says this is illegal. [more...]

Date: 2009-08-26 11:11:24

A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Two – Experian

In part two of our series, we’ll be showing you how to pull your credit report from Experian without accidentally signing up for any subscriptions (check out Part one – Transunion ). That is, we’ll be getting your credit report absolutely free, in spite of nearly every other force colluding to induce you to buy something. In part one of our series, we walked through the process of starting an AnnualCreditReport.com session. We’ll pick up where we left off there. 1. [more...]

Date: 2009-08-13 12:09:10

Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth

By Paul Michael It seems that nothing is safe any more. And now your Social Security Number, the lynchpin to you credit score, taxes, government benefits and more, is under attack. It can be guessed, with a staggering degree of accuracy, using simple information you probably have on sites like Facebook and MySpace. We have all heard the stories about Identity Theft and we all take precautions to be careful with our SSN. [more...]

Date: 2009-07-08 16:29:57

The 48th Bankruptcy & Debt Carnival – Now Online

Monday, August 3, 2009 Welcome To The 48th Bankruptcy & Debt Carnival! Aug 3rd 2009 *Posts presented according to subject*BankruptcyBanker Saver presents How Safe Is Your Retirement Fund? posted at Banker Saver, saying, “Thanks!”Finance Tips 101 presents Saving Cash With Coupons ? Three Tips To Keep More of Your Money posted at Finance Tips 101.oneadvice presents Assets in Bankruptcy posted at One Advice, saying, “Declaring bankruptcy mean you will no longer have control over your assets. [more...]

Date: 2009-08-03 16:14:44

IG Barofsky TARP Report to Congress: Full Text and Breakdown

The following is a breakdown of Inspector General Neil Barofsky's report before the House Committee on Financial Services, Subcommittee on Oversight and Investigations, ending June 30, 2009. Don't run away. You need to know this. Rep. Barney Frank (D-MA) is the chairman of the House Committee on Financial Services . Rep. Dennis Moore (D-KS) is the chairman of the Subcommittee on Oversight and Investigations. I do not see this report linked on the webpages. Perhaps it is there, but I have not found it. [more...]

Date: 2009-07-24 00:20:00

CLLB Information Security Newsletter

Volume 1 Issue 5 Personal Privacy – How to Protect Your Information From the Desk of David Badertscher As we continue to conduct more ... (such as name, credit card account, address, etc) is increasingly utilized. Personal information has become ... purchases and pay bills with credit cards, you leave a data trail consisting of purchase amount, [more...]

Date: 2008-09-30 18:42:35

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

It’s Coming Down the Pike

President-elect Barack Obama did not sweep into office without an agenda. Many of his critics claimed he had no substance to his speeches ... in Iraq. Will implement tax form simplification to reduce filing time. Provide tax credit ... . Double funds for basic federal research. Implement a long term research and development tax credit [more...]

Date: 2008-11-14 10:04:56

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

5 Tips For Improving Your Credit Score

Here are 5 tips to help improve your credit score. 1. Get copies of your credit report —then make sure the information is correct. Go to the Annual Credit Report web site. This is the only authorized online source for a free credit report. Under federal law, you can get a free report from each of the three national credit reporting companies every 12 months . You can also call 877-322-8228 or complete the Annual Credit Report Request Form at the Federal Trade Commission (FTC) web site and [more...]

Date: 2009-07-26 08:31:18

How To Avoid Credit Repair Scams And Get Your Credit Repaired Safely

Sep 18th, 2009by Steven Mueller. The FTC or Federal Trade Commission investigates consumer complaints of fraud and unfair business practices throughout the US for more than 90 years. They also inform and educate the consumer with published information on credit repair and credit repair agencies.Some credit repair agencies have been charged with making fraudulent claims and you should be aware of this. [more...]

Date: 2009-09-18 09:14:42

Never Pay For Your Credit Report When Refinancing

I f you’re thinking about refinancing your home mortgage the first thing you should before all else is check your credit reports. Don’t waste money buying credit reports or signing up for one of those credit monitoring services just to get a “free credit report.” Here are several tips to help you check out your credit prior to refinancing without wasting any of your hard earned cash. [more...]

Date: 2009-07-29 02:26:02

Bank turmoil fuels phishing boom

The US Federal Trade Commission (FTC) issued a warning saying phishing gangs were using the current global financial crisis to extract valuable ... popular in the coming weeks as changes and mergers are completed. In its second annual report ... were up more 180% in a year. The FTC said that the current rapid changes in the banking world, where [more...]

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

moving your money to a safer bank. *Based on FDIC data from March 2008. ... » Banks and Fraud: Bank of America Better Than Expected? » More Credit Card Customers at Risk ... . Dovetailing nicely with my article on how to freeze your credit record, Ben talked [more...]

Date: 2008-07-16 10:10:35

The Best Credit Repair Services Aren’t Magic - But They Can Help!

by Leona Allen The best credit repair services set realistic expectations, while taking much of the drudgery out of fixing your credit score ... . The federal Annual Credit Report laws make everyone is entitled to a free copy of their credit ... to raise your credit score, you should be very wary. According to the FTC, “No one can legally remove [more...]

Date: 2008-12-22 08:29:34

A Warning About “Imposter” Websites December 5, 2008

Posted by SBDC in Small Business General. trackback              Only one website is authorized to fill orders for the free annual credit report ... mandated free annual credit report program. In some cases, the “free” product comes with strings attached ... )A Chance for Free Credit MonitoringFinancial buddyAnnualCreditReport.com The Real Free Credit Rep [more...]

Date: 2008-12-04 18:07:42

Literary Warrant [38]

Handelingenkamer Tweede Kamer der Staten-Generaal den Haag from Candida Höfer, Libraries (London: Thames & Hudson, 2005)"The spirit of rhetoric trumps the spirit of modern philosophy—not quite canceling its dark vision but placing it in a context of ongoingness exemplified by the sense that invention is always available if one can stop fretting [more...]

Date: 2008-12-01 20:16:00

Another Unusual Risk

Another Unusual Risk Here’s another risk for companies to consider disclosing in their financial statements: ... of credit cards to the fiscally challenged, has included this risk factor in every quarterly and annual report since its 2005 annual report: “Negative publicity may impair acceptance of our products. Critics [more...]

Date: 2008-08-08 02:28:00

Federal Trade Commission Cracks Down on Credit Repair Violations

I just read an article on Originator Times about the FTC cracking down on credit repair violations. You can read the article HERE ... correctly reported information from their credit report. My mind can't sort out which is more wrong ... s credit report).” HBCN also promises consumers help with finding a home to buy, through a referral [more...]

Date: 2008-06-03 17:34:00

Free Isn’t “Free” When It Comes to Protecting Your Identity

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:31:05

Did Racism Help Cause the Mortgage Crisis? The Rise of Sandy Weill and Citigroup

Photo: United for a Fair Economy The State of the Dream Sandy Weill’s story tells how racially-biased predatory lending lies at the center of the ... Commercial Credit that specialized in predatory lending. The tale of how Weill would use Commercial ... had a shady reputation when Weill moved in on it. In 1973 the FTC had issued an order demanding [more...]

Date: 2008-12-11 16:53:16

5 Steps To (NOT) Take If Your Identity Is Stolen

The other day, the Consumerist blog published a piece entitled 5 Steps To Take If Your Identity Is Stolen ... simply uses the data you provide to compile an annual report (the 2006 report was issued ... theft will never, ever work. Because the correct procedures for recovering from existing credit card [more...]

Date: 2008-07-20 06:59:58

Constellation Battles Debt, Builds Premium Brands

Constellation is mainly concerned with building its premium brands and paying down debt, ceo Rob Sands told listeners at the Morgan Stanley consumer conference today. When asked about the negative effects of recent price increases on Constellation’s wine biz, Rob said everything was business as usual [more...]

Date: 2008-11-19 15:51:08

Weekend News Digest

Weekend News Digest is an Open Thread From Yahoo News Top Stories 1 Europeans already looking beyond Bush presidency By DEB RIECHMANN, Associated Press Writer 17 minutes ago WASHINGTON - President Bush's motorcade will speed through European capitals next week, but for many Europeans, the Bush presidency already is in their rearview mirrors [more...]

Date: 2008-06-03 05:13:34

Excellent Article Summarizing Many Areas of Foreclosure Litigation

Current Trends in Residential Mortgage Litigation BYLINE: Daniel A. Edelman*; *DANIEL A. EDELMAN is the founding partner of Edelman & Combs, of Chicago, Illinois, a firm that represents injured consumers in actions against banks, mortgage companies, finance companies, insurance companies, and automobile dealers. Mr [more...]

Date: 2008-11-29 23:50:20

Your Free Credit Score: Is There Such A Thing?

What’s the big deal about credit scores? Since credit scores are recognized as predictors of future bill paying ability, the better your rating, ... your financial standing. Really, who wants to wade through credit report paperwork when a number can tell all? While your credit report is a record of all your credit-related activities, your score [more...]

Date: 2008-07-16 01:28:24

Why Protecting Your Identity is Not Necessarily Free

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... Alerts for you every 90 days. A fraud alert is a “flag” placed on your credit report that notifies ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:55:50

A Credit Card Required for a Free Credit Report?

Millions of Americans have sought and perceived a giveaway credit inform underneath a FACT Act amendments to a Fair Credit Reporting Act.While there have been a ton of online sites charity ‘free’ credit reports, there have been unequivocally usually 3 vital credit stating companies: Equifax, Experian (which used to be TRW) and TransUnion.If we go to a single of their sites ( www.experian.com, www.equifax.com, www.transunion.com ). [more...]

Date: 2009-08-14 22:51:47

Debt Rattle, August 12 2008: A bursting leveraged speculating community bubble

National Photo Company Old Dutch Market 1920. The chain ("The Market of Cleanliness") ... , the tendency and direction in the financial world is one of an increasing tightening of credit. No matter ... have no more credit to lend out, not for individuals looking for a home mortgage, a student loan [more...]

Date: 2008-08-12 20:43:34

Diageo Names New US President

Diageo has appointed a president of its U.S. business for the first time in addition to a number of management shifts ... to president, Diageo USA. He will continue to report to Ivan Menezes, who has been named chairman ... to its executive committee and will report to ceo Paul Walsh. All appointments are effective October [more...]

Date: 2008-09-26 20:34:54

Nothing is Free When It Comes to Protecting Your Identity

by Jed Jenson According to the FTC, an estimated 9 million Americans are affected each year by identity theft ... in Fraud Alerts on your credit report. 2. Do Not Call or Mail Lists - Another way to protect your identity ... lists, and accessing free credit reports, many individuals do not realize that they must [more...]

Date: 2008-06-19 18:15:14

Are You Ready For Holiday Shopping This Year?

Know the holiday retail and spending trends With the increase in gas prices, and the slow down of the housing market, ... . According to a report from the Radio Advertising Bureau, consumers have withstood challenges ... the entire gift card balance and even spend more than the gift card. Department Store Credit Cards [more...]

Date: 2008-08-08 09:57:41

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