annual credit report

If you use any kind of electronic commerce--credit cards, atm, on-line bill pay, etc--you must be vigilant in regards to your identity ... (FTC) advises consumers who order their free annual credit reports online to be sure to correctly spell ... just to review and keep up to date with how creditors determine your credit score.This is what the FTC [more...]

Date: 2008-02-19 22:01:00

Blog posts (153) | Videos (20)
 

FTC Crackdown on 36 Credit "Repair" Companies

sweep.jpg Ever wonder if those TV ads claiming to help you repair your credit are legit? ... information from consumers' credit reports, even if that information is accurate and timely. The FTC ... they are able to scrub your credit reports of accurate, negative information for a fee are lying - plain [more...]

Date: 2008-10-28 11:15:52

Free Credit Report Alert

I recently learned about a credit industry mal-practice, ... in this scam. The FTC website includes information about getting your free annual credit report - please read ... in which people who are trying to get their free credit report inadvertently sign up for a credit [more...]

Date: 2008-10-20 14:24:59

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

Buy Amway Products, Get Drink, Play Pool. And They Take Away Your Credit Cards.

Wired, reports that a credit card company has come under fire and FTC investigation for “behavioral scoring”: ... wouldn’t have any problem if my credit card company did things like this. And even the FTC itself doesn’ ... reducing credit limits for people who use a variety of services. These services included, “Direct [more...]

Date: 2008-06-23 16:12:59

Beware of Credit Repair Firms: But Don’t throw the baby out with the bathwater

Most of the credit repair, TILA audit, Loan mod etc firms are incompetent, perhaps dishonest, and definitely misleading. BUT SOME ARE ON THE LEVEL ... a fee in advance of performing services to amend credit reports.  According to the FTC’s press release ... . CHECK IT OUT. GET REFERENCES — REAL REFERENCES. FTC Sues “Credit Repair” Firms for Misleading [more...]

Date: 2008-11-16 15:26:24

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

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

Thinking of credit repair? Think twice

You’ve probably heard ads promising to fix bad credit ... that deceptively claim they can remove negative information from consumers’ credit reports, even ... to the FTC’s brochure titled Credit Repair: How to Help Yourself, here’s how to tell if the company [more...]

Date: 2008-11-03 12:06:26

Free Instant Credit Reports - They Really do Exist

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 of the 3 major credit bureaus. But in order to truly get a “free instant credit report” ... [more...]

Date: 2008-12-28 15:05:10

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

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... 3 Vote(s) [more...]

Date: 2009-07-27 15:01:16

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

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

Identity Theft

by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]

Date: 2008-12-01 20:33:13

Identity Theft

by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]

Date: 2008-12-20 13:16:13

An Identity Theft Update

Yesterday I received another snot-gram from a collection agency. It was for a fraudulent account with Target ... reports and copies of my ID and credit reports and FTC affidavits for the rest of my freakin' life [more...]

Date: 2008-09-28 23:17:00

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

Potect Yourself From Identity Theft

by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]

Date: 2008-12-20 13:12:15

Potect Yourself From Identity Theft

by Landon McGehee Immediately upon becoming aware that your identity has likely been stolen, it’s easy to begin to panic ... . In addition, reporting to the FTC (or their Consumer Alert website) will alert the three credit bureaus and put a Fraud Alert on your reports, which means that no new credit cards or other lines [more...]

Date: 2008-12-11 09:32:42

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

News Digest 8/12/2008 Reuters, WSJ, NYTimes, FT, Bloomberg

According to Reuters, JP Morgan (JPM) lost $1.5 billion in July. Reuters writes the UBS (UBS) ... . Reuters reports that Countrywide faces an FTC investigation. The Wall Street Journal reports ... to tighten credit for businesses and consumers. The Wall Stree Journal reports that S&P cut [more...]

Date: 2008-08-12 07:52:17

FTC shuts down O.C. debt-negotiation scam

The Federal Trade Commission said today it has shut down an Orange County debt-negotiation business that instead of helping consumers resolve their ... their bills. The result: Interest on customers’ debts grew, leading to lawsuits, bad credit reports ... bills, drove them to bankruptcy. The FTC charged that Homeland Financial Services LLC of Santa [more...]

Date: 2008-09-25 23:09:42

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

Steps to Take If You're a Victim of Identity Theft...Part I

When you got your free credit report from Credit Score Cowboy you may have seen unfamiliar entries or wrong addresses ... /coline/pubs/credit/affidavit.pdf · FTC 800-438-4338 or 800-ID THEFT Even if you've never been big ... there in shock – cursing, screaming, or crying – your thief is still using your credit. So, first step [more...]

Date: 2008-11-17 16:03:44

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

More miscellanous roundup--Internet spying, car fraud and more

Over at Slashdot, an item reports that Wikileaks has posted an internal British Telecom report on the secret trials of the extremely controversial ... Reporting Act's prohibition on using credit reports for target marketing would offer consumers ... advertising based on a user's browsing habits."FTC has a new website on telephone fraud [more...]

Date: 2008-06-05 22:00:33

Credit Repair Service - Get Help For Credit Card Debt

by William Blake Credit cards are great, but if not used with common sense and self-control, can easily break your bank and peace of mind ... Commission (FTC) has come up with some safety tips for those of you to choose a credit repair or debt ... credit reports a year. Just contact the three companies who offer this free service ” Equifax [more...]

Date: 2008-11-05 10:42:42

Despite getting details, FTC says ‘file a complaint’

Apparently few --- if any --- of the 950 employees at the Federal Trade Commission listen to radio, feels Grumpy Editor ... to:          Debt collectors or debit collection practices.          Credit reports ... the hypoed-blabber tag. Going to the FTC --- the nation’s consumer protection arm --- for their take [more...]

Date: 2008-09-23 13:14:48

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

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

Consumer Advice to Ring in the New Year

December 23, 2008 FTC News Release: Nine Consumer Tips to Make the Most of 2009 As 2008 draws to a close, ... include: Get a free copy of your credit report. Visit www.annualcreditreport.com or call 877-322-8228 to request a free credit report, once every 12 months from each of the nationwide consumer credit [more...]

Date: 2008-12-23 18:24:31

Employers Beware: Red Flag Rules On Address Discrepancies Not Delayed

If you've been following the story of the Red Flag Rules, that we posted about last winter you'll know that on October 22, 2008, ... your business uses consumer reports. If you do background, criminal or credit checks on employees ... the FTC announced a delay in enforcing the rules, moving the date from November 1, 2008 to May [more...]

Date: 2008-10-27 17:21:00

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

FTC Stops Fake 'Yellow Pages' Marketers Who Bilked Spanish-Speaking Businesses in Cross-Border Scam

At the request of the Federal Trade Commission, a U.S ... from a purported collection agency, PCM Collections, and threaten adverse credit reports and lawsuits. In many ... . According to the FTC's complaint, the defendants deceptively sell Internet business directory [more...]

Date: 2008-10-29 00:11:08

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

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

FTC cracks down on medical identity theft

Ann Zeigler reports: The FTC plans to issue a new consumer protection rule that will take on the issue of medical identity theft, a growing concern now that identity thieves have recognized that medical records are rich sources of financial information that can be used to obtain credit with someone else’s history. Alternate [more...]

Date: 2008-10-07 17:23:15

POTECT YOURSELF FROM IDENTITY THEFT

by Landon McGehee Immediately upon apropos wakeful which your temperament has expected been stolen, it’s easy to proceed to panic ... the 3 credit bureaus as great as put the Fraud Alert upon your reports, which equates to which no brand brand ... allows the burglar to have use of your existent credit. Often the FTC requests which we shift [more...]

Date: 2008-12-20 13:05:57

Identity theft protection. How?

Read these to protect yourself:FTC: Deter. Detect. Defend ... | Learn HowUSA Today: Place fraud alert on credit reports to fight ID theftExprerian: Credit Fraud [more...]

Date: 2008-12-22 02:15:00

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

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

Security

"The ultimate security is your understanding of reality." -H ... Federal Trade Commission (FTC) reports that identity theft happens to nearly 10 million ... either by new credit cards being opened under your name or thieves gaining access to existing [more...]

Date: 2008-09-09 05:48:00

How You Can Stop Identity Theft

The FTC recently released a list of top consumer fraud complaints received in 2007 and not surprisingly, identity theft topped the list for the eighth year in a row at 32% of the overall complaints. Consumers reported over $1.2 billion in losses last year, even though there are many ways to fight identity theft . While we can’t be expected to live an exceedingly paranoid existence, we can be smart by monitoring our free Experian credit report. [more...]

Date: 2009-06-18 19:02:05

The Identity Theft Epidemic : What The Experts Aren’t Telling You

Picture yourself walking down the street, all alone. It’s late at night ... , when they could simply use a person’s information to obtain employment, credit cards, and lines of credit ... for several years, and there has been a large public awareness campaign since the FTC Report in September [more...]

Date: 2008-10-18 07:42:48

FTC Delay Does Not Apply to Employers

Yesterday, the FTC announced a 6 month delay in enforcing their “Red Flags” Identity Theft Guidelines ... ve been in touch with the FTC and we now know that this delay only pertains to Financial ... from National Consumer Reporting Agencies (primarily credit bureaus) when conducting background checks [more...]

Date: 2008-10-23 16:11:42

This Week in Background Checks: Week of 10/13/08

Have you missed TWIB Notes?  Okay, pretend you did.  Sorry we haven’t done this in a while ... of credit reports when conducting background checks in California.  This was a surprising turn ... Updates The FTC “Red Flag” Guidelines take effect November 1, 2008.  Among those affected are any [more...]

Date: 2008-10-17 17:36:34

Free Webinar on New FTC Guidelines for Background Checks

The new FTC Identity Theft “Red Flags” guidelines take affect on November 1, 2008.  Are you aware of your obligations under these new provisions? ... of consumer reports must implement procedures to deal with any notices of address discrepancies they receive from a nationwide consumer reporting agency (mainly credit bureaus such as Experian, Equifax [more...]

Date: 2008-10-15 19:09:58

Santa Comes Down the Chimney; Identity Thieves Creep in Through the Computer

idf-todd-photo.JPG Over 9 million Americans have their identity stolen each year. The Federal Trade Commission (FTC) reports that in 2007, the highest category of complaints was identity theft, attributing 32 ... Onetime Credit Cards. Do shop online using a virtual credit card that expires after one use. Don’ [more...]

Date: 2008-11-13 22:25:03

FTC Reports Increasing Collection Abuse Complaints

Are you the victim of collection abuse? As economic problems in America worsen, debt collection methods become more aggressive ... billion in revolving debt such as credit cards. In 2003, Americans owed a total of $770 billion, showing ... their credit card bills on time. The American Bankers Association revealed 4.5 percent of bank-issued credit [more...]

Date: 2008-11-11 01:42:27

BEWARE OF “FORECLOSURE RESCUE” SCAMS

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

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