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
Blog posts
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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
How to Safely Build Your Credit History
I’ve heard from several high schoolers and early college students asking for advice on how to build up their credit history in a safe and ... (credit bureaus) that are in the business of collecting the information for credit reports - Experian ... . I know I need to build up some good credit for the future, when I have to get a car loan [more...]
Date: 2008-09-23 20:00:35
LifeLock and Identity Theft
LifeLock, one of the companies that offers identity-theft protection in the United States, has been taking quite a beating recently ... alert on their credit reports, requiring lenders to verify your identity before issuing a credit ... . They're being sued by credit bureaus, competitors and lawyers in several states [more...]
Date: 2008-06-17 12:51:25
A "Key" Tactic to Undermine Consumer Protections
Yesterday at Higher Ed Watch, we wrote about how Key Bank has partnered with dozens of unlicensed and unaccredited trade schools to provide ... , or engages in fraud. Congress enacted the law to discourage lenders from entering into business [more...]
Date: 2008-12-11 22:00:00
25 Personal Finance Do’s and Don’ts for 2009
With the current economic crisis you might be wondering how you’re going to handle 2009 and the promise that we’re hearing from all the economists (and even the President Elect) that things are going to get worse before they get better. Well, strap yourself in and let’s take a look at some of the things you can do that can help you survive [more...]
Date: 2009-01-06 00:02:47
How A Forgotten Blockbuster Video Caused A 2 1/2 Year Battle With Discover Card And Collection Agencies [Universal Default]
"Universal Default" is when your credit card company adjusts the terms of your loan because you "defaulted" with another company. In reader P ... , it launched him into a 2 1/2 year legal battle with Discover, a collection agency, and now the credit ... , and payed them in person at their offices within 24 hours of receiving the notice. I checked my credit [more...]
Date: 2008-06-27 16:23:12
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
More Help With Debt Problems
Debt got you down? You're not alone. Consumer debt is at an all-time high and it's not getting any better any time soon ... on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even ... some common pitfalls to avoid and consider before looking for consolidation debt help. Credit Debt Help [more...]
Date: 2009-01-05 15:44:43
Debt Free Tip Of The Day - Credit Reports
Debt Free Tip Of The Day - Credit Reports With the current economic conditions, your credit score is increasing in importance ... . But you also can get it from the only FTC approved source for online credit reports… ... . The bank issues, defaulted loans, record repossessions are all reasons that the credit companies [more...]
Date: 2009-01-08 17:11:07
Fun With Spammers
I got fed up today with one particular spammer who just wouldn't leave me alone. Three to four emails per day from a few domains. I got mean, aggressive, and nasty after a few reasonable attempts to stop it. I did research and found the perpetrator. I sent off this email: From: Eric A [more...]
Date: 2009-01-16 00:44:05
Credit Card Fraud and ID Theft – What You Should Know
If you’re thinking about buying online, you need to first be aware of the risk of credit card fraud and identity theft ... been a victim of fraud or ID theft, file a complaint to the FTC right away and report the incident ... a warning to all consumers against credit card fraud and identity theft. Always remember that legitimate [more...]
Date: 2009-01-08 02:29:35
Free Credit Score for Everyone
Isn't it good that when you wake up from hibernation, everything in the world is better? ... involves you keep track of your credit report and credit score, so as to maintain a good credit record ... , the new FTC legislature requires each of the "big three" credit agencies to provide a free credit [more...]
Date: 2009-01-04 00:40:04
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
Off again!
Off again! January 05, 2009 Where in the world did today go? ... notveryniceword creepy agency decided to put some other Patty White’s unpaid bill on my credit report, which takes umpteen phone calls to protest and start undoing, plus the mandatory complaint [more...]
Date: 2009-01-06 02:58:29
Credit Card Fraud and ID Theft – What You Should Know
If you’re thinking about buying online, you need to first be aware of the risk of credit card fraud and identity theft ... been a victim of fraud or ID theft, file a complaint to the FTC right away and report the incident ... to all consumers against credit card fraud and identity theft. Always remember that legitimate [more...]
Date: 2009-01-08 02:29:35
FTC Issues Third Interim Report to Congress on Results of Studies Required by FACT Act
December 23, 2008 FTC Press Release The Federal Trade Commission has issued an interim report to Congress under Section 319 of the Fair and Accurate Credit Transactions Act of 2003, which requires the FTC to study the accuracy and completeness of information in consumers’ credit reports and to consider methods for improving the accuracy [more...]
Date: 2008-12-23 21:51:50
What is a Junk Debt Buyer?
Junk Debt Buyers, also known as Debt Acquisition companies, buy debt by the bulk in large portfolios ... to the credit reporting bureaus that debts are no longer valid as the result of bankruptcy or debt settlement. Creditors are using loopholes in the law to still ding your credit report with a debt [more...]
Date: 2008-12-26 18:00:07
Retard’s guide to dealing with collection agencies
Are you in debt, are you receiving harassing phone calls at work and getting bills saying you owe someone money? If so you need to read the retard’s guide to collection agencies… #headline { margin: 0; background-image: url(http://retardzone.com/uploads/2008/10/lucas/top.png) [more...]
Date: 2009-01-16 01:21:02
Retard’s guide to dealing with collection agencies
Are you in debt, are you receiving harassing phone calls at work and getting bills saying you owe someone money? If so you need to read the retard’s guide to collection agencies… #headline { margin: 0; background-image: url(http://retardzone.com/uploads/2008/10/lucas/top.png) [more...]
Date: 2009-01-16 01:21:02
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
FreeCreditReports360 US
Ratings For This Site Rating: ★★★★★ About This Site What is a Credit Score? ... include fraudulent bank accounts, credit cards, utilities, and loans. According to the FTC, victims ... your credit worthiness. Get Your Free Credit Reports Plus All 3 Credit Scores Free Online [more...]
Date: 2009-01-07 02:28:54
Credit Reinvestigation Procedures - Part 2
Can every bureau and/or furnisher meet this 30-day deadline? ... , one that verifies adverse data so that it remains on the credit report) places a labor burden ... that the information be deleted from the report. Furthermore, if the furnisher lends incomplete information or simply [more...]
Date: 2009-01-02 07:04:30
How to get a Collection Agency to delete your account from your Credit Report
These are a couple of tactics I read up on from a collection agency former manager that might prove successful in getting your account deleted from your credit report. When a collection agency has purchased or been assigned your account ... collection… they aren’t allowed to report it to the credit reporting bureaus. The goal is to convince [more...]
Date: 2009-01-15 22:53:23
How to get a Collection Agency to delete your account from your Credit Report
These are a couple of tactics I read up on from a collection agency former manager that might prove successful in getting your account deleted from your credit report. When a collection agency has purchased or been assigned your account ... collection… they aren’t allowed to report it to the credit reporting bureaus. The goal is to convince [more...]
Date: 2009-01-15 22:53:23
Synthetic man
Susan Crane’s book on Ritual, Identity and Clothing During the 100 Years War has a chapter on “Talking Garments” ... (“FTC”) has identified it as the fastest growing white collar crime; federal and state governments [more...]
Date: 2009-01-08 01:37:08
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
FAIR CREDIT REPORTING ACT: FOR CONSUMERS
by Rob Kosberg Consumers will find information about their rights in the Fair Credit Reporting Act (FCRA). Please go to www.ftc ... . When you review your credit reports, mark any information that you plan to dispute as inaccurate ... the information all credit reporting agencies have about you. All these credit agencies are in the business [more...]
Date: 2009-01-07 18:19:21
How and Why to Freeze Your Credit
Identity theft is on the rise. According to the FTC, an estimated 8 ... to do anything in your name that requires a credit report. The credit freeze concept has its roots ... completely prevents access to your credit report, having one in place can delay or prevent the approval [more...]
Date: 2008-07-18 10:09:54
Age Verification Debate Continues; Schools Now at Center of Discussion
This week, I have been up at Harvard University participating in another meeting of the Internet Safety Technical Task Force (ISTTF) ... with evaluating the market for online child safety tools and methods and issuing a report [more...]
Date: 2008-09-25 17:54:06
Id theft and their prevention
Identity theft is an increasingly prevalent problem in the United States ... thieves from getting credit in your name. It locks access to your credit report and your credit score ... be given a special pin number that you can use online to unlock your credit report and credit score [more...]
Date: 2008-12-30 23:06:53
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
FAIR CREDIT REPORTING ACT: FOR CONSUMERS
by Rob Kosberg Consumers will find information about their rights in the Fair Credit Reporting Act (FCRA). Please go to www.ftc.gov/s/statutes/feradoc.pdf for the details. The FCRA explains what we can see from the credit reporting agencies and our rights. We have a right to view the financial history which the credit [more...]
Date: 2008-12-30 12:18:02
Links for 2009-1-13
Lotsa links for today (actually yesterday). If you make it through all of them, congrats! If you wanna talk about one or several, I’m up to it ... biography: report - Yahoo! News “Zhang Yimou, the man behind the opening ceremony of the Beijing Olympics [more...]
Date: 2009-01-13 15:13:17
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
FTC Helps With Your New Years Resolution to Manage Debt
Information from the Federal Trade Commission to Help You Manage Debt: Knee Deep in Debt Having trouble paying your bills? ... , consider these options: realistic budgeting, credit counseling from a reputable organization, debt [more...]
Date: 2008-12-30 17:45:34
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
Equifax ID Patrol Review - A Good Choice to Monitor Your Credit Reports and Protect Your Identity?
Equifax’s ID Patrol, a new identity theft protection and credit monitoring service, ... up for ID Patrol I was taken directly to a page that showed me my current credit reports at all three bureaus. Aside from having all three of my credit reports on the same page, my debt-to-credit [more...]
Date: 2008-08-09 13:13:31
FTC issues report on credit bureau accuracy, orders insurers to provide scoring data
Today the FTC issued a Congressionally-mandated interim study on the accuracy of credit reports ... blog on issues related to use of credit reports to determine insurance eligibility. Blog excerpt ... . The FTC also ordered nine large insurance companies "to produce information for a study [more...]
Date: 2008-12-23 19:17:29
Identity Theft Can Happen to you
If you think that identity theft can never happen to you, think again ... $53 billion annually. The most common types of identity theft are credit card frauds, communications service fraud, bank fraud and loan fraud. Credit card fraud is when someone else uses your credit [more...]
Date: 2009-01-15 17:50:30
FTC Reports to Congress on Credit Report Complaint Referral Program
December 30, 2008 FTC News Release The Federal Trade Commission has issued a report to Congress on the credit report complaint referral program under the Fair Credit Reporting Act (FCRA). The Commission is the federal agency with primary ... in the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), requires the Commission [more...]
Date: 2008-12-30 21:57:48
FTC Issues Third Interim Report to Congress on Results of Studies Required by FACT Act
FTC Issues Third Interim Report to Congress on Results of Studies Required by FACT Act Source: ... under Section 319 of the Fair and Accurate Credit Transactions Act of 2003, which requires the FTC to study the accuracy and completeness of information in consumers’ credit reports and to consider [more...]
Date: 2009-01-04 19:43:01
The Business Pundit Energy Plan: Electrification, flex power, and a smart grid
By now, 99% of us are aware of the problem. Cheap oil, whether due to peak oil or not, is over ... ? Business Pundit sorted through a slew of reports, comments, and statistics to come up with a plan [more...]
Date: 2008-08-13 21:08:14
Your FREE credit report
The FTC enforces the Fair Credit Reporting Act (FCRA) ... for this information. Read about it from the FTC’s website: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm Get your credit reports, free of charge, once every 12 months, here: http [more...]
Date: 2009-01-06 16:47:10
Mint and 30 Free eBooks About Personal Finance!
Mint seems to be all the rage, everywhere I look someone is talking about Mint ... accounts constantly and sending alerts for low balances and credit limits. Mint allows users to take [more...]
Date: 2009-01-15 03:29:13
FTC To Change Consumers' Credit Bureau Complaint Process
The Federal Trade Commission (FTC) recently released a report that details the credit bureau complaint process for consumers after they've submitted a credit report dispute. According to the FTC, the... [more...]
Date: 2009-01-06 06:59:34
FTC Reports to Congress on Credit Report Complaint Referral Program
FTC Reports to Congress on Credit Report Complaint Referral Program Source: ... on the credit report complaint referral program under the Fair Credit Reporting Act (FCRA). The Commission ... (e) of the FCRA, which was added by Congress in the Fair and Accurate Credit Transactions Act of 2003 (FACT Act [more...]
Date: 2009-01-04 19:39:38
Blog Scams: Blog Scams Are a Growing Business
how blog scams are growing and the impact on the economy and job market for stay-at-home workers ... Activity on phishing, blog, and computer scams Consumer Reports WebWatch Hoaxbusters About.com’s Urban [more...]
Date: 2008-10-06 19:48:41
Stolen Social Security Numbers are Sold To Crookes
terms used The to victim’s record what alt="" ContentLink(TM);--> [more...]
Date: 2009-09-29 12:26:06
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