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Date: 2008-07-18 14:51:07

Blog posts (114) | Videos (32)
 


Shop For Groceries Online, Not Paying Off Credit Cards @ The Carnivals

free credit scores by telling us all about Credit Karma! Money Smart Life: Henry confesses to being a credit card expert with a secret ... : A reader has a quandary about gift certificates given out as gifts. No Credit Needed enjoys spending ... company, I feel oddly reassured… Recent Carnivals Shop For Groceries Online, Not Paying Off Credit Cards [more...]

Date: 2008-07-16 23:00:00


Monitor Your Credit Report–Safely!

It’s important for all consumers–and especially those with a bankruptcy or credit problems in the past–to monitor their credit reports ... purchases. A search for “free credit report” brought up both the authorized site above and the FTC ... . The Fair Credit Reporting Act entitles every consumer to a free credit report from each [more...]

Date: 2009-01-08 08:20:41


The High Cost of a ‘Free Credit Report’

The High Cost of a ‘Free Credit Report’ By STEPHANIE CLIFFORD EARLIER this year, Kris Steele, a Web developer in Madison, Wis ... he believed he had signed up for a free report, he had actually enrolled in a credit-monitoring ... may obtain a free credit report each year from the three major agencies, as mandated by an act [more...]

Date: 2008-08-08 12:39:04


Outrageous FDCPA Violation

Outrageous FDCPA Violation June 17, 2008 · Print This Article As I was reading an article about a $200 million lawsuit that the FTC and FDIC are ... are facing a $200 million lawsuit for FDCPA violations.   The FTC reported in it’s Annual Report 2008: Fair ... jointly trying to file against a major, publicly traded credit card marketer and its debt [more...]

Date: 2008-06-17 20:01:08


Can You Put a Price on Your Identity?

How much is your identity worth? More than a couple of bucks, for sure, but how about a couple of thousand? Or a couple hundred thousand? ... and impacts of ID theft on victims in the United States. The FTC’s 2006 Identity Theft Survey Report ... the amount of money you have in the bank. Consider the credit lines on all your credit cards [more...]

Date: 2008-09-27 16:08:35


When “Free” Isn’t Free

The Federal Trade Commission’s Information on Free Annual Credit Reports The FTC has received complaints from consumers who thought they were ordering their free annual credit report online. Some consumers responded to TV ads, email offers, or simply searched online. A recent amendment to the federal Fair Credit Reporting Act requires [more...]

Date: 2008-08-21 12:26:09


Adverganza's Monday morning picks, 06.30.08

Wherein I scan the Monday morning headlines so you don't have to. From Advertising Age: ( ... is in review. From Adweek: —Digital shops are sick and tired of not getting credit. —In case ... Only four out of 56 agencies who filled out Report Card questionnaires do paid search on their own [more...]

Date: 2008-06-30 15:33:33


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 copyright © 2008 Ralph Brauer ... on a Baltimore loan company named Commercial Credit that specialized in predatory lending. The tale ... of color. Commercial already had a shady reputation when Weill moved in on it. In 1973 the FTC [more...]

Date: 2008-12-21 05:13:51


Do You Make This Mistake Regarding Your Free Credit Report?

by David T. Johnson Whether you like it or not the rules are set according to your credit score. Here’s what that means ... has proven that your credit report, although it is based on your past payment history, it still is the most ... before you allow somebody to see your credit report. In other words, you want to ‘pull your own [more...]

Date: 2008-09-26 19:51:00


Identity Theft Victim Records

Identity theft crimes are not new, but they have become more persuasive in the past decade. In mid-2005, San Francisco Chronicle discovered that holders of more than 40 million credit cards were vulnerable to financial fraud because identity thieves had compromised their credit card [more...]

Date: 2008-12-23 16:40:32


Free Instant Credit Reports - They Really Do Exist

By Ann Born Don't be fooled! Access to free instant credit reports is not as easy as hundreds of sites would have you believe. Yes, since the FTC ruling in 2005 you are entitled to one free annual report from each ... to one free annual report from each of the 3 major credit bureaus. But in order to truly get a “free [more...]

Date: 2008-07-09 02:02:21


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 ... in six valuable ways. 1. Fraud Alerts - A Fraud alert is a “flag” placed on your credit report ... the credit bureau and request that another fraud alert be placed on your credit report. LifeLock takes [more...]

Date: 2008-06-19 18:58:41


'Bum deal for bum credit' notification rule moves forward

A proposed federal regulation that would force lenders to tell consumers "This isn't our best deal" moved a step closer on Monday ... . Give consumers the chance to review and fix credit report errors. Let consumers take steps ... such a notification, the regulation lets the lender opt to send the consumer a copy of the credit report [more...]

Date: 2008-08-19 14:11:15


Will Voice Prints Work For Payment Authorization?

Will Voice Prints Work For Payment Authorization? A UK company is pushing retailers to use voice-recognition to authenticate purchases over the phone and online. The Voice Commerce Group (VCG)'s Voice Transact package has consumers call the service, quote a pre-arranged product code and then a series of digits dictated by the automated system [more...]

Date: 2008-06-27 05:19:04


Data “Dysprotection:” breaches reported last week

A recap of breaches newly reported or updated last week on the main news site, PogoWasRight.org. For those looking for annual statistics: as of their last update on August 5, the Identity Theft ... of credit and debit card numbers of customers shopping at major U.S. retailers, including TJX, BJ’ [more...]

Date: 2008-08-11 09:58:29


Identity Theft: What to Do if It Happens to You Part 2

Here is Another Common ScenarioAn identity thief uses your personal information to obtain credit ... . Immediately report the situation to the fraud department of the three credit reporting companies ... fraudulent credit accounts and an identity theft report to get the seven year alert.that only [more...]

Date: 2008-03-10 17:02:00


High Cost Of A Free Credit Report?

This weekend's New York Times featured a look at "The High Cost of a ‘Free Credit Report ... report, he had actually enrolled in a credit-monitoring service that cost $14.95 a month. He says ... obtain a free credit report each year from the three major agencies, as mandated by an act that Congress [more...]

Date: 2008-08-14 21:55:56


Another Week of GW News, July 22, 2007

Courtesy of H.E.Taylor, here is this week's GW news roundup(skip to bottom) Top Stories, Australian Cap&Trade, CU-Boulder SLR Report, North Pole Swim, Darfur Hurricanes ... , Europe, Australia, India, China, Canada Ecological Economics, Apocalypso, Books Energy, NPC Report [more...]

Date: 2007-07-24 11:47:00


FDIC Insurance Coverage: Limits and Strategies

recent history of bank failures in the United States. Unfortunately, just over a week later, the graphic that I put together is already out of date… Just yesterday, the FDIC announced that two more banks failed: The 28 branches of 1st National Bank of Nevada and First Heritage Bank N.A [more...]

Date: 2008-07-24 10:06:53


FTC Targets 33 credit repair companies.

I thought this was good information about credit repair companies selling something that they cannot deliver ... what the FTC is saying and doing about credit repair companies. The Federal Trade Commission and 24 ... up their ill-gotten gains. In addition, the FTC announced three related credit repair cases earlier [more...]

Date: 2008-10-24 00:24:15


A Consumer Guide to Buying a Franchise by Andrew Adama

A Consumer Guide to Buying a Franchise by: Andrew Adama Introduction Many people dream of being an entrepreneur. By purchasing a franchise, you often can sell goods and services that have instant name recognition and can obtain training and ongoing support to help you succeed. But be cautious [more...]

Date: 2008-06-07 17:30:32


Get your free credit report from

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, ... to make a purchase to receive their free annual credit reports. The FTC has received complaints from consumers who thought they were ordering their free annual credit report online. Some consumers [more...]

Date: 2008-11-04 22:31:49


Beware of Internet Lenders

Internet Lender - Legitimate, Swindler, or Identity Thief? ... solicitations for advance-fee loans, buyers clubs, credit card insurance come-ons, credit repair ... have been targeted the most. What’s more, 75 percent of fraud related to credit, including credit [more...]

Date: 2008-05-31 01:00:49


Subprime Predatory Lending: How to Protect Consumers without Harming the Market?

Par Anibal Zarate, Doctorant à l'Université Panthéon-Assas Paris II, Promotion 2004-2005 ... regulators until recent problems erupted in the subprime mortgage sector3 (i.e., deterioration in credit ... proportionate risk-based credit pricing and blatant fraud5. Although difficult to define, predatory [more...]

Date: 2008-05-05 16:25:00


Free Annual Credit Reports - Strategies to Avoid Imposter Websites

In a 2004 amendment to The Fair Credit Reporting Act (FCRA), a new system providing free credit reports was initiated ... , TransUnion, and Experian, to provide free copies of an individual’s credit report once every 12 months ... information about them collected by the CRAs. Understanding what information is in your credit report [more...]

Date: 2008-10-08 07:14:18


Bank Breach Hits ATMs, No Retailer At Fault This Time

Bank Breach Hits ATMs, No Retailer At Fault This Time One of the repeated arguments made in retail data security circles is that retailers tend to have much weaker security because it's not as much of a cultural priority as, for example, banking. So it's a little bit consoling that the latest ATM databreach is apparently not the result of a [more...]

Date: 2008-06-20 00:09:08


Free Credit Reports: From The 3 Major Credit Bureaus!

Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or ... . Nationwide credit bureau`s sell the information in your credit report to creditors, insurers, employers ... do I know when I'm eligible to get a free credit report? A: Soon free credit reports will be phased in [more...]

Date: 2008-11-14 09:00:03


Know Your Rights With Regard to Free Credit Reports.

The Office of Jeffrey-Peter Hauck, JDLicensed Private DetectivePost Office Box 142 Macungie, PA 18062Website: http://private-eye.homestead ... , which established the free annual credit report program. Q: How do I order my free report ... annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail [more...]

Date: 2008-11-08 18:21:00


Solus ID Interview: SolusID discount code and interview with Rob Berger from Solus ID

Click here to save 10% on Solus ID's Services In this interview, we talked with Rob Berger from Solus ID ... Protection: Your good name, your credit history, your health, your job - all define ... through automotive dealers over three years ago. During one of our annual strategic planning [more...]

Date: 2008-12-31 19:46:17


Your Rights: Credit Reporting

A new brochure from the Federal Trade Commission (FTC) explains your rights under the Fair Credit Reporting Act (FCRA) ... and how to order a free annual credit report.According to the FTC, " a credit report includes ... for bankruptcy. Nationwide consumer reporting companies sell the information in your report [more...]

Date: 2008-12-02 19:21:00


Free Credit Reports: From The 3 Major Credit Bureau’s!

Get your credit report online for FREE. Many financial advisors suggest that you periodically review your credit report for inaccuracies or ... credit bureau`s sell the information in your credit report to creditors, insurers, employers ... do I know when I’m eligible to get a free credit report? A: Soon free credit reports will be phased in during [more...]

Date: 2008-11-06 08:16:09


Finally got my credit score: 698

I held off getting my free annual credit report until after November 30, ... site refused to give me my report or credit score, vaguely suggested that there "might" be some sort ... out how to unlock my account at Equifax so that I could then access both my free credit report [more...]

Date: 2009-01-13 16:46:00


Posts about Foreclosures as of June 27, 2009

Business Briefing | Company News Competing Against Foreclosures … – New York Times – tackleforeclosure.com 06/27/2009 Washington Post Business Briefing | Company News Competing Against Foreclosures … New York Times KB Home is slashing prices and reducing the size of its houses to compete with foreclosed houses for sale. [more...]

Date: 2009-06-27 12:03:17


Windows Azure and Cloud Computing Posts for 8/19/2009+

Windows Azure, Azure Data Services, SQL Azure Database and related cloud computing topics now appear in this weekly series. •• Updated 8/22 and 8/23/2009: Live Framework and Services removed from Windows Azure , Windows Azure World Tour , and PHP Toolkit for ADO.NET Data Services • Updated 8/20 and 8/21/2009: Windows Azure PDC pre-conference, AWS price cuts, major additions and minor edits. [more...]

Date: 2009-08-24 00:06:00


Credit Card Reports Questions And Answers

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, ... Trade Commission (FTC) enforces the FCRA with respect to consumer reporting companies. Recent ... and businesses that use credit reports also have new responsibilities under the law. Here are some questions [more...]

Date: 2008-06-11 22:52:54


Bank turmoil fuels phishing boom

img src="http://newsimg.bbc.co.uk/media/images/45095000/jpg/_45095910_-2 ... too in the coming weeks as changes and mergers are completed.pIn its second annual report ... , say governments and security experts./bpThe US Federal Trade Commission (FTC) issued a warning [more...]

Date: 2008-10-10 11:38:19


Free Credit Reports

Fight identity theft by monitoring and reviewing your credit report ... are not part of the legally mandated free annual credit report program. In some cases, the “free” ... . The FTC site has information regarding free credit reports available from AnnualCreditReport.com. [more...]

Date: 2008-09-11 13:49:28


An Essay From Erik Camayd-Freixas

Recently, I received an essay from federal court interpreter and university professor Erik Camayd-Freixas about his experience interpreting after the largest ICE raid in the history of the United States.Shortly thereafter, a story ran on the front page of the New York Times [more...]

Date: 2008-07-12 17:24:00


Free Credit Reports May be Hazardous to Your Credit Score

The Fair and Accurate Credit Transactions Act (FACTA) of 2003 made sweeping changes to the Fair Credit Reporting Act (FCRA). On the surface some of these changes seemed like a win for consumers. Take the ANNUAL FREE CREDIT REPORT clause for example. Wow! The Credit Bureaus are actually giving away free credit reports [more...]

Date: 2009-01-15 00:36:32


Annual Credit Report

Annual Credit Report July 12th, 2008 · Comments Off null Did you know that you can get a FREE annual credit report? Yup! ... to you. This isunder federal law so why not get a FREE report each year to see what’s going on with your credit. The credit report website of the government says, ” You can get a free report from each [more...]

Date: 2008-07-12 10:49:32


Understanding Your Credit

The credit which allows us to function if everyday life is very complicated ... in the form of a credit report and score. These companies produce the credit score that others judge ... your credit record. This involves using your credit application and report to get information [more...]

Date: 2008-10-17 12:29:17


How to Get Your Free Credit Report

The credit bureaus and lenders have a great gig. The more errors you have on your credit report, the more lenders can charge you ... and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.Here ... the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box [more...]

Date: 2008-01-11 20:44:00


Life Lock or DIY? Life Lock Review

Is Life Lock the answer for the all the identity theft scams that we have seen recently? ... on your credit profile at all three major credit bureaus: Equifax , Experian and Transunion . A fraud alert will put your credit profile in lock down mode. Creditors will be alerted that they must verify [more...]

Date: 2008-07-27 00:37:55


Tips on repairing credit score legally

To understand all the details of information on the credit report is an important step in repairing their credit score. Your credit report carries free credit score that lenders to see before finalizing their lending ... legal updated and accurate information from your credit report. The credit repair companies [more...]

Date: 2008-09-17 13:21:30


Tips on How to Repair Credit Score Legally

Understanding every detail of information on the credit report is an important step to repair your credit score. Your credit report carries free credit score that the lenders look at before finalizing ... can remove any up-to-date legal and accurate information from your credit report. The credit repair [more...]

Date: 2008-12-21 13:20:27


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


Company Made False Claims About Its Credit Repair Services

December 23, 2008 FTC Press Release: Credit “Repair” Company Agrees to Settle FTC Charges; ... . The defendants are also prohibited from violating the Fair Credit Practices Act and the FTC’s Disposal Rule ... Company Made False Claims About Its Credit Repair Services A credit repair company that lured [more...]

Date: 2008-12-23 21:04:11


Credit, ATM, and Debit Cards: What to Do if They're Lost or Stolen

Many people find it easy and convenient to use credit cards and ATM or debit cards. The Fair Credit Billing Act (FCBA) ... under federal law for unauthorized use of your credit card is $50. If you report the loss before ... or stolen.LIMITING YOUR FINANCIAL LOSSReport the loss or theft of your credit cards and your ATM [more...]

Date: 2008-12-27 23:40:00


Stock Market Dictionary - H

H Fifth letter of a Nasdaq stock symbol specifying that the issue is the second preferred bond of the company. HAB See: House Air Waybill HEX See: Helsinki Exchange HK The two-character ISO 3166 country code for HONG KONG. HKD The ISO 4217 currency code for theHong Kong Dollar [more...]

Date: 2009-01-02 16:38:00



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