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25th September 2009
Identity theft is a real concern these days. Sometimes it seems like the amount of information a potential apartment tenant has to reveal is somewhat unsettling. A landlord who is worth leasing from is going to ask several personal questions. He will want... Read >
Author: wbdoyle21st September 2009
FACTA stands for "Fair and Accurate Credit Transactions Act", a law that became effective in June 2005. The FACTA law requires companies that have one or more employees to provide them with proper document disposal equipment. In other words, according to ... Read >
Author: virenderyadav15th September 2009
What’s my Credit Rating? Why is it important?
If you’re like most of us, you probably don’t even think about your credit rating until it’s time to apply for a credit card, mortgage or car loan. A little known fact is that people with a ‘good... Read >
Author: wbdoyle11th September 2009
We’ve all seen the ads for “free credit reports” in our email and on various websites.
But are most free credit report offers real?
Unfortunately, most are not actually free. In fact, most require a monthly “credit monitoring” or other fee... Read >
02nd September 2009
These days information about obtaining credit reports is readily available to everyone and all to often it is misleading information, especially in the world of the Internet. Unfortunately, some of this misinformation comes from credit reporting agencies... Read >
Author: Wendy Polisi28th August 2009
If you live in the U. S., then you are entitled each year to get a free copy of credit report. It was not always that way. In 2003, a law, called th Fair and Accurate Credit Transactions Act, was passed. Up until then, if you wanted a copy of your report,... Read >
Author: Andy Zain28th August 2009
Your credit scores play a very important role every time you borrow money from the bank. That is why before making huge purchases that needs financing, one must know exactly how he or she stands in terms of credit. And knowing your credit scores can be va... Read >
Author: Victoria San18th August 2009
Credit scores are very much important as it plays a major part when you are going to purchase some items or properties. Things like mortgage, insurance, and many more will surely be much expensive if you have a problematic credit score. This is the main... Read >
Author: F. Morgan09th March 2009
Check your Credit Report
While it is not absolutely necessary that you have a perfect or extensive credit history in order to purchase a new home, having good credit is definitely a plus.
Residents of Texas can now get free copies of their credit repo... Read >
Author: Lisa Zapalac25th February 2009
Every organization should have a secure document destruction program in place. In fact, some rules and regulations require it. For example, the Fair and Accurate Credit Transactions Act of 2003 (FACTA) details how businesses must dispose of information in... Read >
Author: Craig Abramson20th February 2009
before you can use your credit report you need to get yur report. Reports are available on request. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. Such reports were mandated by a federal law ena... Read >
Author: Steve Last20th February 2009
You can get a free online Experian Credit Report at their web site locations when you sign up for a free trial of credit monitoring and the service is free as long as you cancel soon afterwards and before the initial free trial period is over. Simply fill... Read >
Author: Steve Last20th February 2009
before you can use your credit report you need to get yur report. Reports are available on request. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. Such reports were mandated by a federal law ena... Read >
Author: Steve Last20th February 2009
You can get a free online Experian Credit Report at their web site locations when you sign up for a free trial of credit monitoring and the service is free as long as you cancel soon afterwards and before the initial free trial period is over. Simply fill... Read >
Author: Steve Last21st January 2009
When it comes to all the proactive measures you think you know about protecting your personal information from identity thefts you should know, there are already two strikes against you. The simple fact of the matter is whether you like it or not, you on... Read >
Author: Ronald Hudkins09th January 2009
Credit reports are used by companies to decide how much to loan you and what interest rates to charge you. They provide information on your credit history such as loans, payments, late payments, and due payments to those who you seek to borrow money from.... Read >
Author: Allan09th January 2009
The Fair and Accurate Credit Transactions Act, signed into law on Dec. 4, 2003, gives every American the right to a free credit report every year from each of the three major credit bureaus -- Equifax, Experian and TransUnion. What the law doesn’t do is... Read >
Author: Justin Narin04th September 2008
Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Bill can be heard weekday'... Read >
Author: William E. Lewis, Jr.07th July 2008
Identity theft is a crime in which unscrupulous individuals obtain another individual's personal information such as driver's license numbers, Social Security numbers, credit card numbers etc. and then use this sensitive information for any number of dubi... Read >
Author: Adam Valentine21st May 2008
The Fair and Accurate Credit Transactions Act (FACTA) requires that all businesses, regardless of size or industry, protect and dispose of sensitive and personal data they collect about their customers. This rule, which was enacted by the Federal Trade Co... Read >
Author: Melinda Powelson03rd April 2008
Paper shredders are your best protection against one of the most dangerous plagues of modern society – identity theft. Shredders help you dispose of sensitive documents that are no longer needed without risking losing information in the wrong hands. Fin... Read >
Author: Navneetkaur07th February 2008
As an individual, you may wonder if you actually need to purchase a paper shredder for your own personal use. The answer is, quite simply, YES. Today's world is rife with identity theft, credit card theft and other fraudulent activities. Now is the time ... Read >
Author: mybinding24th January 2008
When it comes to all the proactive measures you think you know about protecting your personal information from identity thefts you should know, there are already two strikes against you. The simple fact of the matter is whether you like it or not, you on... Read >
Author: Ronald Hudkins30th October 2007
Since 2005 every US citizen is entitled to get a free copy of their credit report from each of the three major credit bureaus, TransUnion, Experian, and Equifax. Detailed information on them can be obtained from the World Wide Web. Many people are now usi... Read >
Author: David Makarski16th August 2007
It is absolutely essential for anyone attempting credit repair to know the statues of limitation for reporting of derogatory information as it applies to the credit bureaus. Credit repair expert Jim Kemish offers some insight on specific statute of limita... Read >
Author: Jim Kemish07th August 2007
Document Security- A Legal Requirement
The passing of the Fair and Accurate Credit Transactions Act (FACTA) in 1995 changed the way businesses discard paper goods. Now companies are legally held responsible for designating an employee who's role is to ... Read >
Author: Christopher Pratt04th May 2007
MARTIN YALE PAPER SHREDDER:
This type of shredder is used for small purposes. This shredder grips papers, CD’s, credit cards and paper clips. This type is on average considered in high-end shredders. It has a separate slot for CD and credit card shre... Read >
Author: beck27th April 2007
Crimes such as business espionage and bank fraud are increasing by the day, with identity theft becoming very common. To protect personal and sensitive information pertaining to your home or business, document shredding is your only recourse. Stay one st... Read >
Author: Christopher Pratt09th April 2007
The Truth About the Credit Bureaus
Are you under the impression that there is some relationship between the credit bureaus and the government? Credit repair expert Jim Kemish offers some insights.
Not a Friendly Service
In a recent blog entry I w... Read >
Author: Jim Kemish27th March 2007
Identity theft and personal security have become such large issues that the government has mandated we destroy documents with vital information. There are quite a few different federal and state laws outlining what we need to destroy. A couple of examples... Read >
Author: Christopher Pratt27th March 2007
There are few sure things in life, but there are methods we employ to increase the likelihood of certain things happening. For instance, it is no guarantee that our home will not be broken into when we leave for the day, but we like to increase our securi... Read >
Author: Christopher Pratt31st January 2007
Credit Repair Pays
The impact of bad credit can be significant. Over the years we have helped tens of thousands of our customers successfully repair their credit reports. Credit report repair takes effort and patience. But it is an effort that is well ... Read >
Author: Jim Kemish16th November 2006
FACTA stands for "Fair and Accurate Credit Transactions Act", a law that became effective in June 2005. The FACTA law requires companies that have one or more employees to provide them with proper document disposal equipment. In other words, according to ... Read >
Author: Michael Trad15th November 2006
What's my Credit Rating? Why is it important?
If you're like most of us, you probably don't even think about your credit rating until it's time to apply for a credit card, mortgage or car loan. A little known fact is that people with a 'good' or 'ex... Read >
Author: Beth Gabriel28th June 2006
The Fair Credit Reporting Act (FCRA) and the recent update to this law called the Fair and Accurate Credit Transactions Act (FACTA) protect consumers against inaccurate information being reported by credit bureaus and the privacy of that information. What... Read >
Author: Cathy Taylor13th April 2006
When it comes to credit scores there is a wide range of placement for American consumers. Low credit scores are in the 300's while the highest rating is 850.
There are several companies that devise their own criteria for placement, but typically spe... Read >
Author: JP Burkhart06th December 2005
If you have bad credit, you may be finding it increasingly difficult to get vital loans. While this is generally a sign that you should try to avoid further borrowing, there are certain circumstances in which it is just vital that you get credit. This may... Read >
Author: Joseph Kenny01st December 2005
The scale of identity theft has been recently analyzed in a federal report and the general results were worrying. The report states that lately, one out of four American homes is targeted by identity theft. One answer to this problem is the new June 2005 ... Read >
Author: Michael Rad22nd October 2005
Why do I need a paper shredder?
Paper shredders are your best protection against one of the most dangerous plagues of modern society identity theft. Shredders help you dispose of sensitive documents that are no longer needed without risking losing in... Read >
Author: Michael Rad13th August 2005
By: James Dimmitt
Thanks to the FACT(Fair and Accurate Credit Transactions) Act, all U.S. residents will be allowed one free credit report annually from each of the three major credit reporting agencies - Equifax, TransUnion, and Experian. This legisl... Read >
Author: James Dimmitt
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