Identity Theft and the Military: U.S. Service People are Prime Targets
As happens each year, this Veteran’s Day (Nov. 11, 2008) the United States honors those who have proudly served their country ... credit reports for a year or even more and take advantage of this lag time, say U.S. Army spokespeople ... loans…and ruining your credit. How it Happens Officials note that a prime target for identity theft [more...]
Date: 2008-11-10 06:01:09
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Identity Theft and the Military: U.S. Service People are Prime Targets
As happens each year, this Veteran’s Day (Nov. 11, 2008) the United States honors those who have proudly served their country ... credit reports for a year or even more and take advantage of this lag time, say U.S. Army spokespeople ... loans…and ruining your credit. How it Happens Officials note that a prime target for identity theft [more...]
Date: 2008-11-10 06:01:09
What can a Collection Company do?
by JR Rooney What is a collection company? The two most likely scenarios are. Some creditors will actually use a separate company name, address, and phone number for their internal collection departments, in order to give the impression of an “outside” agency, on the theory that debtors will take it more seriously [more...]
Date: 2008-09-16 09:59:22
Identity Theft Part II - Dealing with Creditors
When you got your free credit report, you may never have checked your own credit before. Or, it may have been a long time since you did ... theft. Tell them you have the FTC Uniform Fraud Affidavit, police reports, etc. Ask where you should ... to some address you had never heard of until you read your credit report. A terrible thought. Even if you're [more...]
Date: 2008-11-17 19:05:27
Data mining for pitches to consumers
In today's New York Times, Brad Stone's story Banks Mine Data and Pitch to Troubled Borrowers explains how the Big Three credit bureaus continue to ... strict limits on the use of credit reports for marketing. Back in December, USA Today also ... buttressing legal authorities. Incredibly, the FTC, the credit bureaus, and the subprime mortgage crisis [more...]
Date: 2008-10-22 11:39:17
FTC shuts down debt negotiator
The Federal Trade Commission has shut down an Orange County, Calif., debt negotiator after it told its customers to stop paying their bills. The Orange County Register newspaper reports that Homeland Financial Services LLC told thousands ... contacted any of its customers’ debt collectors. The FTC said these customers have since faced falling [more...]
Date: 2008-10-01 19:27:37
Take Action If You’re A Victim Of 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 ... . Inform the Federal Trade Commission (FTC). You can call their toll free number 877-IDTHEFT ... the rest of the process. Let your bank and credit card companies know. Close all your accounts [more...]
Date: 2008-10-28 14:18:07
Take Action If You’re A Victim Of 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 ... . Inform the Federal Trade Commission (FTC). You can call their toll free number 877-IDTHEFT ... the rest of the process. Let your bank and credit card companies know. Close all your accounts [more...]
Date: 2008-11-07 09:31:06
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
What are my Credit Rights?
Knowing your credit rights as a credit card holder will be your guide and protection against unlawful practices that may be committed by creditors and debt collectors. The Fair Credit Reporting Act (FCRA) has made distinct stipulations with regards to promoting the accuracy and confidentiality of consumer credit reports. Let’s discuss [more...]
Date: 2008-12-22 06:55:21
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
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
How to Keep Criminals away from Your Personal Information
by Michael Benifez Identity theft is becoming the fastest growing crime problem in the United States, ... and using the names, addresses, bank account information, credit card numbers, and Social Security ... when an insider, like an employee or a contractor, gets hold of credit reporting information [more...]
Date: 2008-08-10 20:49:04
Faceless Crime: How to Protect Yourself
by AJ McCreary, PICurrent Assistant Producer **Editors Note** Today we continue our look at internet scams and identity theft ... on your credit reports Failing to receive bills or mail could mean an identity thief has changed ... in making you vulnerable to credit fraud. Identity theft or Credit Fraud occurs when someone uses [more...]
Date: 2008-12-18 14:22:14
I’m a Victim of Identity Theft - Help!
What to do if your identity has been stolen Being a victim of identity theft can cost a lot in terms of time, money and resources ... , credit bureaus or anyone else needs proof that a crime occurred. File a complaint with the FTC ... these steps so that your name-and your mind-can be clear. Place a fraud alert on your credit [more...]
Date: 2008-09-18 16:53:45
Is Self Credit Repair Worth It?
As anyone who has researched credit repair to any degree has heard, you absolutely have the right to repair your credit on your own. In fact, Dr ... items in your credit reports for free. The credit bureaus even provide a form on their websites ... to be a simple process. You obtain a copy of your credit reports, identify the inaccurate items they contain [more...]
Date: 2008-11-13 20:01:41
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
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
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
Fallen Investment Bank Socked With Fair Debt Collection Practices Lawsuit
Given all of the more recent high-profile financial failures, it might be easy to forget the fall of Bear Stearns, ... mortgages, and according to the FTC, committed multiple violations of the FDCPA in its dealings with mortgage holders. The FTC complaint charged EMC with failing to check into the information provided [more...]
Date: 2008-10-13 17:06:42
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
Credit Repair is Easier - And Quicker - Than You Think!
by Mark Alison Regardless of your record or history, there are a number of quick & easy steps you can take towards credit repair ... a copy of your credit reports, going through them, and understanding them. There are three different ... have strings attached. As soon as you receive your reports, you can begin the process of credit repair [more...]
Date: 2008-11-26 15:45:27
Swiped, Stolen and Sold
Swiped, Stolen and Sold By The New York Times The Justice Department says it has broken open the largest identity fraud case so far in the United States, indicting 11 people around the world in the theft of more than 40 million credit and debit ... he do with the numbers? There are 40 million credit cards hanging out there, so we’re all still at [more...]
Date: 2008-08-06 22:27:57
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
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 ... a fraud 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 13:00:02
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 ... as the FTC can help you through the entire process. Report the theft to your bank and credit card ... . Notify the Federal Trade Commission (FTC). You can do this via their toll-free phone number [more...]
Date: 2008-11-04 15:02:10
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
NJ car salesman pleads guilty to charges of fraud and identity theft
18 fraudulent loans were detected with a total value of $715,000 Link to source article ... , according to police reports. The dealership, Chrysler of Eatontown was under investigation by the New ... and North Fork Bank. The Safeguards Rule imposed by the FTC in 1999 is supposed to require adequate [more...]
Date: 2008-09-19 13:17:00
FTC Moves against Fake AntiVirus "ScareWare" companies
Microsoft may be getting all the press this month about Fake Antivirus products, but the Federal Trade Commission deserves some high praise as well. We'll get to the FTC stuff below, but first I wanted to mention that most of the press I've seen on the Microsoft announcement focused on Spectacular Big Numbers instead of focusing on the actual [more...]
Date: 2008-12-10 20:52:00
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
Colectarea debitelor - explicatii si intrebari frecvente
Collection Agency FAQ What is a collection agency? There are two possibilities. Some creditors will actually use a separate company name, address, and phone number for their internal collection departments, in order to give the impression of an “outside” agency, on the theory that debtors will take it more seriously [more...]
Date: 2008-06-26 12:50:58
Zany: Or not so much...Protect yourself from identity theft
If you don't think it can happen to you...think again. Identity theft is on the rise and you may be the next victim ... reports in each city the checks were written. A nightmare! Did I mention the kidlette was sick ... to you! Please take a moment to visit the FTC Identity Theft site. Begin by reading the Avoid Identity [more...]
Date: 2008-10-17 14:18:12
How to Identify Common Credit Repair Scams
Everyone has seen the ads before. A business will guarantee you perfect credit. (As if your credit history were a joke) ... Trade Commission (FTC) annually warns consumers on credit repair consultation. There have been many ... . Unfortunately, your credit isn’t a joke. And your credit history will not disappear over night [more...]
Date: 2008-11-16 06:52:59
What is an Accurate Credit Listing?
According to the FTC website “No one can legally remove accurate and timely negative information from a credit report ... information in your credit reports, you will find that there is much more ambiguity in the FTC quote than ... of accurate vs. inaccurate when it comes to the items listed in your credit reports. When we typically think [more...]
Date: 2008-10-23 18:45:47
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
Are You Compliant? Part 2
A Review of Recent Developments Part 2• When you send a deal out to one or more finance companies and no one extends credit to the customer • When ... dispose of sensitive information included in their customers’ credit reports. The rule is simple: “ ... you send a deal out, the finance company wants to extend credit with different terms [more...]
Date: 2008-04-19 15:39:00
Oct 17 2008
We finished two weeks of hitorically high volaitlity, VIX hitting unseen levels and trends changing faster than traders could recognize them. Out of last 10 trading sessions we had 9 positive, with quite a few room members reporting record profits - including stunning 72 points NQ on a single trade [more...]
Date: 2008-10-17 20:10:16
You Can Begin Your Own Credit Repair Today - Here's How!
By Mark Alison Regardless of your record or history, there are a number of quick & easy steps you can take towards credit repair ... sites claiming free credit reports - there will be strings & fees attached. You'll start your credit ... is to get copies of your credit report, read them, and understand them. There are three credit reporting [more...]
Date: 2008-11-24 12:19:29
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
Phishing - What It Is and How to Avoid Identity Theft
Phishing is a term used to describe a type of spam that aims to steal your identity ... and place an initial fraud alert on your credit reports. Subscribe to the free Ask Angela ... their potential victims to provide personal data such as credit card numbers, passwords or account [more...]
Date: 2008-10-18 07:10:08
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
Simple & Free Credit Repair You Can Do Right Now!
by Mark Alison Whatever your background or record, you can take some simple and quick steps to begin your own credit repair ... by ordering a copy of your credit reports, going through them, and understanding them ... : annualcreditreport.com. Be leery of any other sites claiming free credit reports - there will be strings & fees [more...]
Date: 2008-11-14 09:14:17
Little Known Tips For Using Your Free Credit Reports
by William Blake Consumers use the Federal Trade Commission as a sounding board for their complaints ... . There are many websites that advertise free credit reports if you agree to test out their services ... . Not everyone takes advantage of the free credit reports that are available to them. Some people [more...]
Date: 2008-08-30 14:44:05
SPAMfighter News - 5 new articles
Here are the latest updates for raplist.antispamsite@blogger.com "SPAMfighter News" - 5 new articles RBI Cautioned Net Banking Users Against Phishing ScamsPhishing E-Mail Attacks BOA CustomersOnline Banking Giving Rise to More Fraud AttacksHackers Steal Billions From The World TreasuryCPB Advises Parents to Protect Their Own & Children's Private [more...]
Date: 2008-09-13 03:41:00
Goodbye Cash-out. Hello Debt Settlement. Part 1 of 3
More and more Loan Originators I speak with are asking about debt settlement. Past and prospective clients are asking for help with consumer debt ... the difference between bankruptcy vs. debt settlement vs. consumer credit counseling? If you consider yourself ... s assume you owe $35,000 in credit card debt. Your minimum monthly payment is $700. You [more...]
Date: 2008-11-12 22:17:12
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
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