At Resolvly, we help with Debt Relief, Private Student Loan Debt, Foreclosure Defence, Medical Debt & Credit Card Debt. We have relieved many people from crushing debt loads by having their debts completely dismissed. Debt relief and dismissal is not a hoax or a gimmick — it is a completely legitimate debt strategy that protects your legal rights as a consumer. If you are buried deep in debt and are considering bankruptcy, debt consolidation or debt settlement, please give us a call before you do anything else. There’s a good chance we can get your debt completely dismissed. At Resolvly we want to help you end your debt nightmare once and for all.
Labor and Employment Roundtable Privacy Rights and Other Onboarding IssuesPolsinelli PC
Hire The Best Without Making A Mess! Application forms, background checks, the interview process, immigration status, and even actions during the onboarding process are fraught with legal landmines these days. There are more privacy protections, employment laws, immigration requirements and lawsuits (including class action lawsuits) filed today than ever before based on the hiring and onboarding process. It is critical that all employers know which policies, procedures, and questions are required and safe when hiring and onboarding employees, and which are not.
This roundtable discussion is intended to be an interactive discussion focused on various "do" and "don't" tips related to privacy rights during the hiring process, criminal convictions, immigration, medical examinations, drug tests and background checks.
OUR PANEL:
• Jeffrey S. Bell, Shareholder
• Denise K. Drake, Shareholder
• Erin D. Schilling, Shareholder
• Emma R. Schuering, Associate
At Resolvly, we help with Debt Relief, Private Student Loan Debt, Foreclosure Defence, Medical Debt & Credit Card Debt. We have relieved many people from crushing debt loads by having their debts completely dismissed. Debt relief and dismissal is not a hoax or a gimmick — it is a completely legitimate debt strategy that protects your legal rights as a consumer. If you are buried deep in debt and are considering bankruptcy, debt consolidation or debt settlement, please give us a call before you do anything else. There’s a good chance we can get your debt completely dismissed. At Resolvly we want to help you end your debt nightmare once and for all.
Labor and Employment Roundtable Privacy Rights and Other Onboarding IssuesPolsinelli PC
Hire The Best Without Making A Mess! Application forms, background checks, the interview process, immigration status, and even actions during the onboarding process are fraught with legal landmines these days. There are more privacy protections, employment laws, immigration requirements and lawsuits (including class action lawsuits) filed today than ever before based on the hiring and onboarding process. It is critical that all employers know which policies, procedures, and questions are required and safe when hiring and onboarding employees, and which are not.
This roundtable discussion is intended to be an interactive discussion focused on various "do" and "don't" tips related to privacy rights during the hiring process, criminal convictions, immigration, medical examinations, drug tests and background checks.
OUR PANEL:
• Jeffrey S. Bell, Shareholder
• Denise K. Drake, Shareholder
• Erin D. Schilling, Shareholder
• Emma R. Schuering, Associate
OMBUD THE PHYSICIAN PAYMENT SUNSHINE ACT AND ESIGNATURESDocuSign
Subsequent to the passage of the Patient Protection and Affordable Care Act, also called Obamacare, pharmaceutical and medical device manufacturers could face fines for failing to correctly report payments made to physicians. This paper discusses outstanding questions about best practices for streamlining and reporting on the process.
A Resource Guide to theU.S. Foreign Corrupt Practices Act
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Do you contact your consumers by phone? You might only reach out to them occasionally – to inquire about a late payment or a change in the account. Still, calling your consumers – even once – means you must also adhere to the regulations established by the Telephone Consumer Protection Act (TCPA). Failure to follow the rules can result in per instance fines as high as $1,500. In this presentation, we'll address the top 10 TCPA questions in the industry with expert responses.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
Information Compromise and the Risk of Identity Theft Guidance for your Business- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
With 2016 underway – and a constant need to stay atop the ever-changing regulatory environment – make sure you are aware of the primary topics the Consumer Financial Protection Bureau (CFPB) and financial regulators will focus on this year.
Among the hot topics, we’ll touch on rulemaking that will impact:
Data quality
Military Lending
Alternative data
Access to credit
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The CalCPA Committee on Taxation recently met with FTB representatives to discuss trending tax topics. Questions presented by CalCPA; answers provided by FTB.
OMBUD THE PHYSICIAN PAYMENT SUNSHINE ACT AND ESIGNATURESDocuSign
Subsequent to the passage of the Patient Protection and Affordable Care Act, also called Obamacare, pharmaceutical and medical device manufacturers could face fines for failing to correctly report payments made to physicians. This paper discusses outstanding questions about best practices for streamlining and reporting on the process.
A Resource Guide to theU.S. Foreign Corrupt Practices Act
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Do you contact your consumers by phone? You might only reach out to them occasionally – to inquire about a late payment or a change in the account. Still, calling your consumers – even once – means you must also adhere to the regulations established by the Telephone Consumer Protection Act (TCPA). Failure to follow the rules can result in per instance fines as high as $1,500. In this presentation, we'll address the top 10 TCPA questions in the industry with expert responses.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
17 U.S. Code § 107 - Limitations on exclusive rights: Fair use
Notwithstanding the provisions of sections 106 and 106A, the fair use of a copyrighted work, including such use by reproduction in copies or phonorecords or by any other means specified by that section, for purposes such as criticism, comment, news reporting, teaching (including multiple copies for classroom use), scholarship, or research, is not an infringement of copyright.
Information Compromise and the Risk of Identity Theft Guidance for your Business- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
With 2016 underway – and a constant need to stay atop the ever-changing regulatory environment – make sure you are aware of the primary topics the Consumer Financial Protection Bureau (CFPB) and financial regulators will focus on this year.
Among the hot topics, we’ll touch on rulemaking that will impact:
Data quality
Military Lending
Alternative data
Access to credit
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
The CalCPA Committee on Taxation recently met with FTB representatives to discuss trending tax topics. Questions presented by CalCPA; answers provided by FTB.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Business Medical Identity Theft faq Health Care Health Plan- Mark - Fullbright
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Small Businesses: Tips to Avoiding Fraudulent Chargebacks- Mark - Fullbright
Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free guide for merchants to protect themselves online & POS and to reduce their exposure to chargebacks and losses due to fraud.
• Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves and reduce their exposure to identity theft.
Stay Safe, Stay Secure
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
From Consumer to Citizen - Digital Media and Youth Civic Engagement- Mark - Fullbright
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
*
Compiled and designed by Mark Fullbright, Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves online and reduce their exposure to identity theft. Stay Safe, Stay Secure
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
Below is a list of consumer reporting companies updated for 2019.1 Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision making situations. The list below includes the three nationwide consumer reporting companies and several other reporting companies that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute suspected inaccuracies in your reports with companies as needed.
company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Appstar Financial - How to Conduct A Self-financial Background Check.pptxAppstar Financial
"Appstar is a leader in point of sale technology solutions for small businesses
and entrepreneurs. Appstar Financial offer our customers the highest quality programs and POS systems including credit and debit card processing, E-Commerce solutions, gift cards, rewards and loyalty programs and business management tools. Appstar Financial has excellent reviews/ratings in electronic payment processing services, career growth, and Job opportunities."
Get inaccurate, incomplete, or unverifiable information removed from your credit report with a credit sweep. Under the Federal Credit Reporting Act, you have the right to dispute inaccurate or incomplete information in your credit profile. And a credit reporting agency must remove or correct inaccurate, incomplete, or unverifiable information. But there is a way credit reporting agencies get around this requirement. Use a credit sweep to protect yourself against credit agencies.
Understanding Your Credit Report and ScoreSpringboard
Information about what’s on a credit report, how it gets there, how a credit score is calculated, and how to develop good financial habits. Understanding credit and knowing where you stand are vital to protecting yourself from predatory lending by unqualified or unscrupulous lenders offering costly or unstable loan products.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
Read the attached article and answer the following questions, chec.docxmakdul
Read the attached article and answer the following questions, check you calendar for due date:
1. Fully explain what steps are taken and how they determine a person's credit score?
2. Fully explain how and why insurance companies use your credit information?
3. Fully explain the Fair Credit Reporting Act and how it helps consumers?
4. Fully explain at least 3 things that you can do to strengthen your credit score? How does each help strengthen your score?
You should perform some additional research on your own to get a true background on the assignment. Remember to document your sources and state that it is your opinion if presenting that.
Need Credit or Insurance?
Your Credit Score Helps Determine What You’ll Pay
Information about you and your credit experi-
ences, like your bill-paying history, the number
and type of accounts you have, whether you pay
your bills by the date they’re due, collection actions,
outstanding debt, and the age of your accounts, is
collected from your credit report. Using a statisti-
cal program, creditors compare this information to
the loan repayment history
of consumers with similar
profiles. For example, a
credit scoring system awards
points for each factor that
helps predict who is most
likely to repay a debt. A
total number of points — a credit score — helps
predict how creditworthy you are — how likely it is
that you will repay a loan and make the payments
when they’re due.
Some insurance companies also use credit re-
port information, along with other factors, to help
predict your likelihood of filing an insurance claim
and the amount of the claim. They may consider
these factors when they decide whether to grant
you insurance and the amount of the premium they
charge. The credit scores insurance companies use
sometimes are called “insurance scores” or “credit-
based insurance scores.”
July 2007
Ever wonder how a lender decides whether to grant you credit? For years, creditors have
been using credit scoring systems to determine if
you’d be a good risk for credit cards, auto loans,
and mortgages. These days, many more types of
businesses — including insurance companies and
phone companies — are using credit scores to decide
whether to approve you for a
loan or service and on what
terms. Auto and homeown-
ers insurance companies
are among the businesses
that are using credit scores
to help decide if you’d be a
good risk for insurance. A higher credit score means
you are likely less of a risk, and in turn, means you
will be more likely to get credit or insurance — or
pay less for it.
The Federal Trade Commission (FTC), the
nation’s consumer protection agency, wants you to
know how credit scoring works.
What is credit scoring?
Credit scoring is a system creditors use to help deter-
mine whether to give you credit. It also may be used
to help decide the terms you are offered or the rate
you will pay for the loan.
The FTC wants you to know
how credit sc ...
Some Steps That Will Help You Get Rid Of Those Negative Items On Your Credit ...RE Professionals
How do you get rid of those negative items on your credit report that are holding back your ability to qualify for the loans or lines of credit you need? You could go to the bank and see what they have in terms of secured credit cards.
Website - https://foreseeableresourcegroup.com
Similar to What You Should Know About Your Credit Report (20)
This report solely belongs to Symantec. Credit is due to all original authors and no financial gain was made from the report, Simply sharing for educational purposes,
The FBI is the lead federal agency for investigating malicious cyber activity by criminals, nation-state adversaries, and terrorists. To fulfill this mission, the FBI often develops resources to enhance operations and collaboration. One such resource is the FBI’s Internet Crime Complaint Center (IC3) which provides the public with a trustworthy and convenient mechanism for reporting information concerning suspected Internet-facilitated criminal activity. At the end of every year, the IC3 collates information collected into an annual report.
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
This guide aims to help journalists understand their rights at protests and avoid arrest when reporting on these events. It summarizes the legal landscape and provides strategies and tools to help journalists avoid incidents with police and navigate them successfully should they arise. Credit RCFP.Org
Credit is due to all original authors and no financial gain was made from the blog, Simply sharing an interesting story for educational purposes,
Verizon Publishes 2020 Data Breach Investigation Report (DBIR) With Insights From Thousands of Confirmed Breaches. Verizon's 2020 Data Breach Investigations Report (DBIR) is the most extensive yet, with 81 contributing organizations, and more than 32,000 incidents analyzed (of which 3,950 were confirmed breaches). Credit:Verizon
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
The FTC takes in reports from consumers about problems they experience in the marketplace. The reportsare stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to lawenforcement. While the FTC does not intervene in individual consumer disputes, its law enforcementpartners – whether they are down the street, across the nation, or around the world – can use informationin the database to spot trends, identify questionable business practices and targets, and enforce the law.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
Advisory to Financial Institutions on Illicit Financial Schemes and Methods R...- Mark - Fullbright
Transnational criminal organizations (TCOs), foreign fentanyl suppliers, and Internet purchasers located in the United States engage in the trafficking of fentanyl, fentanyl analogues, and other synthetic opioids and the subsequent laundering of the proceeds from such illegal sales.
The mission of the IC3 is to provide the public with a reliable and convenient reporting mechanism to submit information to the FBI concerning suspected Internet-facilitated criminal activity, and to develop effective alliances with industry partners. Information is analyzed and disseminated for investigative and intelligence purposes, for law enforcement, and for public awareness.
Credit is due to all original authors and no financial gain was made from the report, Simply sharing an interesting story for educational purposes,
This report is built upon analysis of 41,686 security incidents, of which 2,013 were confirmed data breaches. We will take a look at how results are changing (or not) over the years as well as digging into the overall threat landscape and the actors, actions, and assets that are present in breaches. Windows into the most common pairs of threat actions and affected assets also are provided.
The Federal Trade Commission (FTC or Commission) is an independent U.S. law enforcement agency charged with protecting consumers and enhancing competition across broad sectors of the economy. The FTC’s primary legal authority comes from Section 5 of the Federal Trade Commission Act, which prohibits unfair or deceptive practices in the marketplace. The FTC also has authority to enforce a variety of sector specific laws, including the Truth in Lending Act, the CAN-SPAM Act, the Children’s Online Privacy Protection Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Telemarketing and Consumer Fraud and Abuse Prevention Act. This broad authority allows the Commission
to address a wide array of practices affecting consumers, including those that emerge with the development of new technologies and business models.
Sentinel sorts consumer reports into 29 top categories. Appendices B1 – B3 describe the categories,providing details, and three year figures. To reflect marketplace changes, new categories or subcategories are created or deleted over time.The Consumer Sentinel Network Data Book excludes the National Do Not Call Registry. A separate report about these complaint statistics is available at: https://www.ftc.gov/reports/national-do-not-call-registry-data-book-fiscal-year-2018. The Sentinel Data Book also excludes reports about unsolicited commercial email.Consumers can report as much or as little detail as they wish when they file a report. For the Sentinel Data Book graphics, percentages are based on the total number of Sentinel fraud, identity theft, and other report types in 2018 in which consumers provided the information displayed on each chart.Reports to Sentinel sometimes indicate money was lost, and sometimes indicate no money was lost.Often, people make these reports after they experience something problematic in the marketplace,avoid losing any money, and wish to alert others. Except where otherwise stated, numbers are based on reports both from people who indicated a loss and people who did not.Calculations of dollar amounts lost are based on reports in which consumers indicated they lost between $1 and $999,999. Prior to 2017, reported “amount paid” included values of $0 to $999,999.States and Metropolitan Areas are ranked based on the number of reports per 100,000 population.State rankings are based on 2017 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2017). Metropolitan Area rankings are based on 2016 U.S. Census population estimates (Annual Estimates of the Resident Population: April 1, 2010 to July 1, 2016).This Sentinel Data Book identifies Metropolitan Areas (Metropolitan and Micropolitan Statistical Areas)with a population of 100,000 or more except where otherwise noted. Metropolitan areas are defined by Office of Management and Budget Bulletin No. 15-01, “Revised Delineations of Metropolitan Statistical Areas, Micropolitan Statistical Areas, and Combined Statistical Areas, and Guidance on Uses of the Delineations of These Areas” (July 15, 2015). Numbers change over time. The Sentinel Data Book sorts consumer reports by year, based on the date of the consumer’s report. Some data contributors transfer their complaints to Sentinel after the end of the calendar year, and new data providers often contribute reports from prior years. As a result, the total number of reports for 2018 will likely change during the next few months, and totals from previous years may differ from prior Consumer Sentinel Network Data Books. The most up to date information can be found online at ftc.gov/data
A credit score is a three -digit number that predicts how likely you are to pay back a loan on time, based on information from your credit reports.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only. - Medical identity theft has existed in various forms for decades, but it was in 2006 that World Privacy Forum published the first major report about the crime. The report called for medical data breach notification laws and more research about medical identity theft and its impacts. Since that time, medical data breach notification laws have been enacted, and other progress has been made, particularly in the quality of consumer complaint datasets gathered around identity theft, including medical forms of the crime. This report uses new data arising from consumer medical identity theft complaint reporting and medical data breach reporting to analyze and document the geography of medical identity theft and its growth patterns. The report also discusses new aspects of consumer harm resulting from the crime that the data has brought to light
The FTC takes in reports from consumers about problems they experience in the marketplace. The reports are stored in the Consumer Sentinel Network (Sentinel), a secure online database available only to law enforcement. While the FTC does not intervene in individual consumer disputes, its law enforcement partners – whether they are down the street, across the nation, or around the world – can use information in the database to spot trends, identify questionable business practices and targets, and enforce the law.
Since 1997, Sentinel has collected tens of millions of reports from consumers about fraud, identity theft, and other consumer protection topics. During 2017, Sentinel received nearly 2.7 million consumer reports, which the FTC has sorted into 30 top categories. The 2017 Consumer Sentinel Network Data Book (Sentinel Data Book) has a vibrant new look, and a lot more information about what consumers told us last year. You'll know more about how much money people lost in the aggregate, the median amount they paid, and what frauds were most costly. And you'll know much more about complaints of identity theft, fraud, and other types of problems in each state, too. The Sentinel Data Book is based on unverified reports filed by consumers. The data is not based on a consumer survey. Sentinel has a five-year data retention policy, with reports older than five years purged biannually.
This guide addresses the steps to take once a
breach has occured. For advice on implementing a
plan to protect consumers’ personal information, to
prevent breaches and unauthorized access, check
out the FTC’s Protecting Personal Information: A
Guide for Business and Start with Security: A Guide
for Business.
*Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only.
Consumer Sentinel Network Data Book for January 2016 - December 2016- Mark - Fullbright
FTC Consumer Sentinel Network Law enforcement's source for consumer complaints.
All information, data, and material contained, presented, or provided on is for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners.
It is not to be construed or intended as providing legal advice.
All information, data, and material contained, presented, or provided on is for educational purposes only.
Company names mentioned herein are the property of, and may be trademarks of, their respective owners.
It is not to be construed or intended as providing legal advice.
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The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
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What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
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Basic phrases for greeting and assisting costumers
What You Should Know About Your Credit Report
1. What You Should Know About Your Credit Report
Can I obtain free copies of my credit reports?
If you have ever applied for a credit card, a personal loan, insurance, or a job, there is
probably a company keeping a credit file or credit report about you. This file contains in-
formation about where you live and work, how you pay your bills, or whether you have
been sued, arrested, or have filed for bankruptcy.
Companies that gather and sell this information are called “Consumer Reporting Agencies”
or “Credit Bureaus.” The information sold by Consumer Reporting Agencies to creditors,
employers, insurers, and other businesses is called a “credit report.”
Here are answers to some common questions about credit reports, consumer reporting
agencies, and credit scores.
Yes. You can get a free copy of your credit report once every 12 months from each of the
three big nationwide Consumer Reporting Agencies.
How do I order my free annual report?
The three nationwide Consumer Reporting Agencies have set up one central website, toll-
free telephone number, and mailing address through which you can order your free annual
report. To order:
• click on www.AnnualCreditReport.com,
• call 877-322-8228, or
• complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281.
You can print the form at www.ftc.gov/credit.
Do not contact the three nationwide Consumer Reporting Agencies individually for
your free annual report. They are only providing free annual credit reports through
N a t i o n a l C o n s u m e r L a w C e n t e r ®
FACTSFOR OLDER CONSUMERS
2. 2
the centralized request service listed above.
You may order your free annual reports when you go to the centralized request service or
just one at a time if you prefer. However you decide to do this, you can get just one free
report from each Consumer Reporting Agency in each 12 month period.
The three major Consumer Reporting Agencies are:
Watch out for advertisements that claim to provide free credit reports! Some of these of-
fers are not really free, but are introductory teasers that convert to an expensive subscrip-
tion service. The new Credit CARD Act requires these businesses to put a warning in their
advertisements stating: “This is not the free credit report provided for by Federal law. To
get your free report, visit www.AnnualCreditReport.com or call 877-322-8228.”
Equifax
800-685-1111
www.equifax.com
Experian
888-EXPERIAN
(888-397-3742)
www.experian.com
Trans Union
800-916-8800
www.transunion.com
What information do I have to provide to get my free report?
You need to provide your name, address, Social Security number, and date of birth. If you
have moved in the last two years, you may have to provide your previous address. To
maintain the security of your file, each nationwide Consumer Reporting Agency may ask
you for some information that only you would know, like the amount of your monthly
mortgage payment. Each Agency may ask you for different information.
www.AnnualCreditReport.com is the only authorized source for your free annual credit
r e p o r t f r o m t h e t h r e e n a t i o n w i d e C o n s u m e r R e p o r t i n g A g e n c i e s .
www.AnnualCreditReport.com and the nationwide Consumer Reporting Agencies will not
call you or send you an email asking for your personal information. If you get a telephone
call or an email or see a pop-up ad claiming it’s from www.AnnualCreditReport.com or
any of the three nationwide Consumer Reporting Agencies, do not reply or click on any
link in the message — it’s probably a scam. Forward any email that claims to be from
www.AnnualCreditReport.com or any of the three Consumer Reporting Agencies to the
FTC’s database of deceptive spam at spam@uce.gov.
Are there other ways to obtain a free
credit report or credit score?
Yes, in certain circumstances. If your application for credit, insurance, or employment
was denied because of information furnished by the Consumer Reporting Agency, and if
you request a copy of your credit report within 60 days of receiving the denial notice, you
are entitled to the information without charge. In addition, beginning July 21, 2011, if you
were denied credit or required to pay more based on a credit score, you will receive a free
copy of that credit score.
3. 3
You are also entitled to one free report once in any 12 month period, if you certify in writ-
ing that you:
• Are unemployed and intend to apply for a job within the next 60 days;
• Are receiving public assistance; or
• Have reason to believe that your report is inaccurate due to fraud.
If you don’t meet one of these requirements, the Consumer Reporting Agency may charge
a fee, currently up to $10.50 for a copy of your report. In some states, Consumer Reporting
Agencies are required to provide consumers an additional free report or a report at a re-
duced fee. These states are Colorado, Georgia (2 reports), Maine, Maryland, Massachusetts,
New Jersey, and Vermont.
Why should I order my credit report?
It is a good idea to check your report regularly, even when you are not experiencing prob-
lems. The information in your report affects your credit score and whether you can get a
loan — and how much you will have to pay to borrow money. It is also helpful to make
sure the information is accurate, complete, and up-to-date before you apply for a loan for
a major purchase like a house or car, buy insurance, or apply for a job. Ordering your re-
port can also help you guard against identity theft. Identity theft occurs when someone
uses your personal information — like your name, your Social Security number, or your
credit card number — to commit fraud.
What do I do if the information is inaccurate or incomplete?
In 1970, Congress created the Fair Credit Reporting Act (FCRA) to protect consumers when
dealing with Consumer Reporting Agencies. Under the FCRA, both the Consumer Report-
ing Agency and the information provider have responsibilities for correcting inaccurate or
incomplete information in your report. To protect your rights, contact both the Consumer
Reporting Agency and the provider of information, including lenders, collection agencies
or other businesses.
First, tell the Consumer Reporting Agency in writing what information you believe is inac-
curate. Be as specific as possible. The Consumer Reporting Agency must investigate the
items in question – usually within 30 days – unless they consider your dispute frivolous.
The creditor who first supplied the information to the bureau also has a duty to investi-
gate your dispute. You have a right to dispute incorrect information directly with the
creditor; however, a dispute to the creditor will NOT give you a right to seek legal relief if
the creditor mishandles your dispute. Only a dispute sent to the Consumer Reporting
Agency gives you that right, so make sure to send a copy of any dispute with the creditor
to the Consumer Reporting Agency. If the creditor finds the disputed information to be in-
accurate, it must notify all nationwide Consumer Reporting Agencies so that they can cor-
rect this information in your file.
In trying to persuade a creditor that its information is inaccurate, you should supply what-
ever proof you have. In some cases, you might be willing to pay part or all of the debt, ei-
ther immediately or in installments. If you agree to pay part or all of the debt, make sure
4. 2
What can I do if the Consumer Reporting Agency or
information provider refuses to correct
the information I dispute?
If an investigation doesn’t resolve your dispute with the Consumer Reporting Agency, you
can ask that a statement of the dispute be included in your file and in future reports. You
also can ask the Consumer Reporting Agency to provide your statement to anyone who
received a copy of your report in the recent past. You will probably have to pay a fee for
this service.
If you tell the information provider that you dispute an item, a notice of your dispute must
be included any time the creditor reports the item to a Consumer Reporting Agency.
How long can a Consumer Reporting Agency
report bad information?
A Consumer Reporting Agency can report most accurate negative information for seven
(7) years and bankruptcy information for ten (10) years. However, there is no time limit on
reporting information about criminal convictions.
to get the creditor’s written agreement to delete the negative information. Simply paying
off a debt will not remove the information from your credit report.
When the investigation is complete, the Consumer Reporting Agency must give you the
written results and a free copy of your report if the dispute results in a change. (This free
report does not count as your annual free report.). If an item is changed or deleted, the
Consumer Reporting Agency cannot put the disputed information back in your file unless
the information provider verifies that it is accurate and complete. The Consumer Report-
ing Agency also must send you written notice that includes the name, address, and phone
number of the information provider.
Who else can get a copy of my credit report?
Only people with a legitimate business need, as recognized by the Fair Credit Reporting
Act, can look at your report without your permission. For example, a company is allowed
to get your report if you apply for credit, insurance, employment, or to rent an apartment.
A Consumer Reporting Agency may not give information about you to your employer, or
to a prospective employer, without your consent, unless you are being investigated for
suspected misconduct, compliance with federal, state or local laws, or preexisting written
policies of your employer.
What if I think a Consumer Reporting Agency
has violated my rights under the law?
You may wish to seek the advice of an attorney about bringing a private lawsuit. You
should also consider contacting the Federal Trade Commission (FTC). Although the FTC
5. 3
cannot act as your lawyer in private disputes, information about your experiences and
concerns is important to the enforcement of the Fair Credit Reporting Act. To file a com-
plaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free,
1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemar-
keting, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure,
online database available to hundreds of civil and criminal law enforcement agencies in
the U.S. and abroad.
States may also enforce the FCRA, and many states have their own consumer reporting
laws. In some cases, you may have more rights under state law. For more information,
contact your state or local consumer protection agency or your state Attorney General.
Publications and Web Sites
National Consumer Law Center, Fair Credit Reporting (7th ed. 2010 & Supp.).
National Consumer Law Center, Guide to Surviving Debt (2010 ed.).
Call 617-542-9595 or visit www.consumerlaw.org for more information about NCLC publi-
cations.
Consumer Federation of America
(202) 387-6121
www.consumerfed.org
Consumers Union
www.consumersunion.org
U.S. PIRG
(202) 546-9707
www.uspirg.org