Massachusetts state law clamps down on corporate security breaches

The Boston Globe reports that Massachusetts has a new law going into effect in January that will require corporations to strictly control the data ... .  But what if you do become a victim of identity theft? The answer is:  Do a credit freeze! Here is the full ... residents. Much like the FTC Safeguards Rule, the Massachusetts regulations require [more...]

Date: 2008-10-21 19:26:24

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Massachusetts state law clamps down on corporate security breaches

The Boston Globe reports that Massachusetts has a new law going into effect in January that will require corporations to strictly control the data ... .  But what if you do become a victim of identity theft? The answer is:  Do a credit freeze! Here is the full ... residents. Much like the FTC Safeguards Rule, the Massachusetts regulations require [more...]

Date: 2008-10-22 06:09:13

NACUBO: The FTC's Red Flag Rule Identity Theft Prevention Rule May Affect Colleges

The National Association of College and University Business Officers notes that the FTC's Red Flag rule likely applies to colleges ... of consumer reports must develop reasonable policies and procedures when they receive notification from a credit agency that there is an address discrepancy. Second, that financial institutions [more...]

Date: 2008-09-26 17:00:00

FTC: Beware of hurricane relief telemarketing scams

As sure as there will be hurricanes in the Gulf of Mexico each year, ... that people should be wary of bogus fundraising operations that are trying to steal consumers' credit ... hurricane-related trickery that's going on -- there are reports of potential gasoline price gouging [more...]

Date: 2008-09-15 21:16:29

How to Report Identity Theft

by Paul Wilcox Identity theft has now become a major problem. It grows more each year and can nearly destroy people in the process ... on your reports and by informing them, you are more likely to recover from this problem with your credit still ... or even people not included here. Notify the Federal Trade Commission (FTC). You can do this via [more...]

Date: 2008-11-09 13:48:37

Bing ads to warn of online scams

Microsoft on Tuesday began serving up scam warnings with Bing search results for topics such as fixing credit scores or rescue from home foreclosure that are prime material for online cons.Microsoft worked with the US Federal Trade Commission (FTC), Postal Inspection Service, and Western Union to provide public service announcements (PSAs) in the form of advertising posted on relevant Bing results pages.“We believe this program can help fight back against scams by reminding consumers to exercise [more...]

Date: 2009-10-01 05:21:31

It can be difficult for a identity theft victim to clear their record

Identity theft is a term used to refer to swindle that involves someone pretending to be someone else in order to steal money or get other benefits. However, the terms are often used interchangeably. Someone can steal or appropriate someones identifying implication without actually committing identity fraud. A Government Accountability Office study determined that “most breaches have not resulted in detected incidents of identity theft “. Identity theft is somewhat different from identity fake. [more...]

Date: 2009-08-30 17:37:47

Consolidate credit card debt with debt consolidation - Loan Modification not the answer

Amazon.de Widgets Consolidate credit card debt with debt consolidationThe move by the FTC comes as federal and state officials plan to expand a crackdown on mortgage-related scams to other schemes that prey on debt-ridden consumers.. Try Credit card debt consolidationCan’t Pay Your Bills? You’re not alone. Today, millions of Americans are having difficulty paying their debts. Most of those in financial distress are middle-income families with jobs who want to pay off what they owe. [more...]

Date: 2009-09-23 18:54:41

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

Make Your Smile Brighter Instantly

DISCLAIMER: This posting is based on information widely available in the public media and medical journals that deal with losing fat and/or colons and/or skincare and/or whitening teeth. Nothing contained here is intended to be or should be construed to be any sort of medical advice. For medical advice the reader should consult with his or her doctor or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-20 17:49:20

Make Your Teeth Better At Once

DISCLAIMER: This posting is based on info widely available publicly online and medical journals that deal with losing fat and/or cleansing and/or skincare and/or whitening teeth. Nothing herein is intended to be or should be construed to be any sort of doctor’s advice. For medical advice the reader should consult with his or her doctor or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-14 21:24:50

What Is A Third Party Collection Agency?

by Jonathan Summers The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-23 18:41:54

Bally Sends Fake Past Due Bills To Ex-Members To Get Them To Rejoin [Ripoffs]

Reader Jordan writes in to share a past due "bill" that he received from Bally Total Fitness , where he had previously been a member. It turns out that the letter, which specified the amount Jordan owed and threatened to report Jordan to a collection agency if he didn't pay, was actually a sneaky solicitation to get him to renew his contract. Jordan writes: Hello, Writing to let you know about an interesting letter two friends and I received from Bally's. [more...]

Date: 2009-09-22 19:28:03

Make Your Smile Hotter At Once

DISCLAIMER: This post is based on information widely available publicly online and medical journals that deal with losing weight and/or cleansing and/or skincare and/or whitening teeth. Nothing herein is meant to be or should be construed to be any sort of medical advice. For medical advice the reader should consult with his or her physician or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-16 15:57:20

Make Your Smile Hotter At Once

DISCLAIMER: This post is based on information widely available publicly online and medical journals that deal with losing weight and/or cleansing and/or skincare and/or whitening teeth. Nothing herein is meant to be or should be construed to be any sort of medical advice. For medical advice the reader should consult with his or her physician or other medical specialist. The FTC estimates that as many as 9 million Americans have their identities stolen each year. [more...]

Date: 2009-09-16 15:57:20

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

Don’t Call Me, I’ll Call You

Folks, today I’m going to share with a secret, recurring fantasy I have. I am aware that this is a risky thing to do, and some of you may think me nuts when I’m done.. But, here goes:In my fantasy, I’m endowed with a magic arm. With my ‘magic’ arm, I can reach through the phone.It works like this: I just shove my hand in the receiver end of my phone, and it will pop out the speaker of my caller’s phone. Like in a cartoon. [more...]

Date: 2009-08-27 18:05:21

Marketing & Blogger Relations 101: Let's set the record straight

One simply cannot turn around these days without hearing the bad publicity aimed at mommy bloggers (Oh, how I despise that terminology, now). It's in the newspaper and on national news sites, such as this article from ABC News , as well as local and national television news stations. I've always heard that "no news is good news" when it comes to major news stations and papers, which is one reason why I rarely watch televised news or read the local paper. [more...]

Date: 2009-09-15 13:53:00

The Identity Theft Epidemic

In today’s modern world there’s an increasing threat level associated with identity theft.  With newer technology being implemented and invented everyday, this rise has been due in many respects that that innovative technology. Criminals are using that smarter technology to increasingly break into bank accounts, credit card facilities and the like quicker and easier without going detected.  But what is identity theft actually? [more...]

Date: 2009-09-01 13:58:26

The Identity Theft Epidemic

In today’s modern world there’s an increasing threat level associated with identity theft.  With newer technology being implemented and invented everyday, this rise has been due in many respects that that innovative technology. Criminals are using that smarter technology to increasingly break into bank accounts, credit card facilities and the like quicker and easier without going detected.  But what is identity theft actually? [more...]

Date: 2009-09-01 13:58:26

Former FCC Commissioner: Congress and FCC Abandon Citizens - Appeal to Rupert Murdoch Our Only Hope

Former FCC Commissioner:  Congress, FCC Abandon Citizens - Appeal to Rupert Murdoch Our Only Hope FromDC2Iowa by Nicholas Johnson "Rupert Murdoch, this Australian-born, 78-year-old media mogul, and 132nd richest person in the world, controls the News Corporation, which owns Fox. And today, unlike 1932, he can legally use his media to spew forth hatred-for-ratings of a sort that would have resulted in the loss of his licenses in the Commission's early days. [more...]

Date: 2009-09-24 10:00:00

Definition Of A Third Party Collection Agency?

The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. This anyhow is dependent on the individual service level agreement that exists between the creditor and the collection agency. [more...]

Date: 2009-09-18 23:52:21

Beware of Credit Repair Scams

2009 may go down as the year when more Americans resolve to fix their credit than at any time in history – because high scores are now a requisite ... of finding errors is high. In fact, one in four credit reports contain errors. These include data entry ... on credit card debt, so want to feel very certain that you're going to pay them back before they [more...]

Date: 2009-01-13 04:55:48

Is this the end for Rachel from cardholder services?

In the Science Fiction world of Isaac Asimov, robots are required to abide by three simple laws : 1. A robot may not injure a human being or, through inaction, allow a human being to come to harm. 2. A robot must obey any orders given to it by human beings, except where such orders would conflict with the First Law. 3. A robot must protect its own existence as long as such protection does not conflict with the First or Second Law. [more...]

Date: 2009-09-02 14:00:04

Business Startups With Bad Credit

Bad personal credit is a common stumbling block for first-time entrepreneurs. Often, the motivation for going into business is to make more money, indicating that they are not making enough money working for others, thus, bad credit. Working for yourself is the best opportunity for building wealth, and the sooner you get started, the better. Bad credit among entrepreneurs is more common than you think and can make the startup process slightly more difficult, but is not a total barrier in itself. [more...]

Date: 2009-09-18 07:58:29

Credit Card Fraud Penalties

Have you ever got a credit card bill that listed buying from places you have never been, listing such a huge credit card debt, which could easily give you a heart attack? Then you have been a victim of credit card fraud and you know how frustrating it is! Credit card fraud is any theft or fraud committed by using a a stolen credit card for payment. It is classified as theft of identity. It is taken as a serious crime by the federal law and involves serious penalties. [more...]

Date: 2009-09-04 01:14:00

Key Bank's "One-Two Punch"

Last week, we described how Key Bank has partnered with dozens of unlicensed and unaccredited trade schools to help thousands of students take on ... to settle any disputes with the lender through binding arbitration. By signing their loan documents ... report from the National Consumer Law Center's Student Loan Borrower Assistance Project, mandatory [more...]

Date: 2008-12-17 20:20:04

Did Racism Help Cause the Mortgage Crisis? The Bubble Bursts

Carter Glass copyright © 2008 Ralph Brauer. The Strange Death of Liberal America In 1997 the FDIC published an imaginary interview with Carter ... dispels this notion. It found: Credit quality alone therefore does not fully explain the extreme reliance of black households on the subprime market. Further research by Freddie Mac reports [more...]

Date: 2008-12-23 03:29:43

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

Recognizing Credit Repair Scams

Recognizing Credit Repair Scams by Tawana RashingBuyer beware when it comes to credit repair services. As the FTC has pointed out, there are way too many scam companies out there offering impossible promises on credit repair. Perhaps these lines sound familiar: ?Bad credit? No problem? or ?Erase bad credit forever – 100% guaranteed!?The bad news is – any company claiming credit repair is that easy is a scam, plain and simple. [more...]

Date: 2009-08-30 13:20:48

US Fails to Protect Against the Living Dead & Other Dangers

The week of August 7th, 2008 the amount of malicious spam a single computer user received finally overtook health and product spam. Meant to exploit holes in your operating system, get credit card information from you, or simply ... for American Progress and the Center for Democracy and Technology have released a report which shows [more...]

Date: 2008-08-13 18:56:59

Goodbye Cash-out. Hello Debt Settlement. Part 2 of 3

(If you missed Part 1 - you can find it here) If you believe the hype spun by many debt settlement firms, ... percentage of the people that contact them. Some consumers are better served by consumer credit counseling ... and obstacles associated with debt settlement. Credit Damage Walking away after having successfully completed [more...]

Date: 2008-11-19 16:04:43

Credit clean-up

"I really enjoyed reading your article about credit repair companies offering false hopes and essentially scams to consumers," ... of the FTC's Bureau of Consumer Protection said, "Companies that promise they are able to scrub your credit ... try the Consumer Credit Counseling Service in Cedar Knolls. It is part of the non-profit National [more...]

Date: 2008-10-27 19:40:13

Bank turmoil windfall for fraudsters

The ongoing market carnage has given rise to a huge phishing boom, security experts say ... an e-mail, into surrendering private information such as password, credit card and bank account numbers with the object of fraudulently using them. The US Federal Trade Commission (FTC) has issued [more...]

Date: 2008-10-14 04:54:02

Identity Theft and Your Online Job Search

By Sharon Davis While identity theft is nothing new, the Web has opened up whole new world of opportunity for identity thieves ... of all complaints, in 2001. The thief will use your personal information to open credit card accounts, cell ... and ruined credit ratings. Identity thieves may pose as representatives of banks, Internet service [more...]

Date: 2009-01-10 04:02:59

The Truth About Credit Repair

The Truth About Credit Repair This is a guest post from Debt Lead, who has a debt consolidation website by Kimberly Credit Counseling ... throughout the United States that claim they can “fix” your credit reports for a fee. However, they do little and sometimes nothing in most cases to fix your credit reports. What ends up happening [more...]

Date: 2008-06-12 15:30:25

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

First Reports - 11/26

Happy Thanksgiving, Y'All! Goldman's FDIC-Backed Offering A Roaring Success - - -  Originally set to raise $2bn in FDIC-backed bonds, ... and Accurate Credit Transactions Act of 2003 - - -  In accordance with the Red Flags Rule of the FACT Act, which is under the jurisdiction of the Federal Trade Commission (FTC), FINRA member firms [more...]

Date: 2008-11-26 19:56:08

Grieving Families Suffer Further as Identity Thieves Target the Recently Deceased

There is much to deal with after the passing of a family member, the last thing you think you would have to do is deal with credit applications ... was stolen and used to apply for AMEX and BestBuy among other credit cards. Identity theft accounted ... a stolen identity. Consumer advocates have argued long and hard that "instant credit" standards [more...]

Date: 2009-01-09 22:31:36

What Is A Third Party Collection Agency?

What Is A Third Party Collection Agency? The word collection agency is generally applied to third-party agencies, labeled as such due to the fact that they were not a party to the original contract. The creditor places accounts directly to such an agency on a contingency-fee basis, which ordinarily at first costs nothing to the creditor or merchant, except for the cost of communications. [more...]

Date: 2009-09-18 23:52:55

p2pnet World Headlines – Sept 30, 2009

Two-Thirds of Americans Object to Online Tracking New York Times About two-thirds of Americans object to online tracking by advertisers — and that number rises once they learn the different ways marketers are following their online movements, according to a new survey from professors at the University of Pennsylvania and the University of California, Berkeley. [more...]

Date: 2009-09-30 21:20:04

p2pnet World Headlines – Sept 30, 2009

Two-Thirds of Americans Object to Online Tracking New York Times About two-thirds of Americans object to online tracking by advertisers — and that number rises once they learn the different ways marketers are following their online movements, according to a new survey from professors at the University of Pennsylvania and the University of California, Berkeley. [more...]

Date: 2009-09-30 18:20:04

More than 1 Million Ways to Infect Your Computer

An unknown hacker has been on a Search Engine Optimization rampage to flood search engines with more than a million ways to infect yourself with his virus. This is the first major "Scareware" infection we've seen since writing about the Federal Trade Commission's action in our December 10th blog post, FTC Moves Against Fake Anti-Virus [more...]

Date: 2008-12-23 17:03:00

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

Blog Scams: Get Rich Quick and Work From Home Scams

In Flipping Blog Scams MMO Niche is Full of Jerks, Garry Conn takes on the scams associated with Make Money Online Niches (MMON) and reselling domain names and sites: It takes a lot to get me upset; however, when I witness people within the MMO niche that act like a bunch of middle school kids making fun of the ugly girl who dropped her books in [more...]

Date: 2008-10-07 00:31:30

I think I have been the victim of identity theft. What can I do?

The following post in our Reader Question series is an actual user submitted question ... in any way. Q: I got my social on January of last year and I’ve been trying to make credit applying for credit cards and they send letters saying that I already have bad credit, and criminal accounts [more...]

Date: 2009-01-17 00:33:48

Magnetic Ring Attack on Electronic Locks

Posted on June 18, 2008 at 06:35 AM • 13 Comments • View Blog Reactions LifeLock and Identity Theft LifeLock, ... to allow you to put a fraud alert on their credit reports, requiring lenders to verify your identity ... quite a beating recently. They're being sued by credit bureaus, competitors and lawyers in several [more...]

Date: 2008-06-18 12:35:16

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

Five Ways to Get Your Credit Report for Free

I’ve talked at length in the past about how your credit score is determined and why it’s important ... . When we first discovered the problem, we burned through our free credit reports trying to figure ... provides you with access to reports from all three credit bureaus plus your credit score. Just don’ [more...]

Date: 2008-08-29 10:03:53

The Ultimate Pandemic: Identity Theft

If you’ve ever been a victim of identity theft, you know first hand the stress and problems it can cause ... only and not online. 4.  When paying bills with a check, especially credit cards, write ... . 6.  Make photocopies of your license and credit cards.  Keep your social security card at home.  Also [more...]

Date: 2009-01-15 15:24:48

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