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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: virenderyadav16th September 2009
Back in June FICO announced they would be rolling out a new formula for calculating their credit score used by all three major reporting services. This updated product would no longer consider an authorized user account as a valid card holder and any cre... Read >
Author: wbdoyle16th September 2009
Raising your credit score does not involve a lot a work. However, there must be a willingness on your part to use credit responsibly. A low credit score makes its more challenging to obtain a credit card or get prime rates on a home or auto loan. On the o... Read >
Author: wbdoyle15th 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: wbdoyle15th September 2009
Our credit scores determine much about how we live our lives. We buy practically everything on credit. When applying for a loan, our good credit scores help us receive reasonable interest rates. In fact, from landlords, to insurance companies, to utilitie... 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 >
11th September 2009
When you are first establishing your credit, you can make a huge difference in the quality of your credit report with some seemingly insignificant actions. Your credit report contains information that is used to create your credit score. Companies use you... Read >
Author: wbdoyle10th September 2009
Due to recent economic conditions there is an increasing number of organizations that provide educators that specialize in teaching financial literacy and money management skills.
For those interested in teaching financial literacy there are many ways ... 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 San19th August 2009
Are you unhappy with your current car loan? If your answer to this question is yes, then there�s good news for you. You can actually proceed and read up on refinancing car loan. This is something you should consider in order for you to get a better rate... Read >
Author: Ricky K Lim18th 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. Morgan10th August 2009
In doing any transactions, it is better if you are going to present a very good credit record. This is for the reason that companies will trust you more in terms of settling your bills. This is also very important if you are going to buy a property. Th... Read >
Author: roseywriter04th August 2009
A paper shredder is a mechanical device to cut paper into strips or small pieces for the purpose of making documents containing sensitive or personal information unreadable. Paper shredders are widely used in banks, hospitals, large corporations, and gove... Read >
Author: vishuxpert26th April 2009
Give Yourself the Advantage
When it comes to credit repair you should give yourself every advantage you can. There is a lot riding on the outcome, so don’t cut corners. You should arm yourself with a working knowledge of the laws that govern the cred... Read >
Author: Ian Webber16th April 2009
There have been many cases where banks and other types of companies have gotten into a lot of trouble because they failed to shred important and sensitive documents. Such documents include important, valuable, or personal information of a company or an in... Read >
Author: srini09th 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 Last16th February 2009
Everyone has heard a great deal about change in recent years. Many people adapt to change readily and find it an exciting part of life. Others resist any kind of change and would rather things stay exactly as they have been for years. Resistance to tec... Read >
Author: wpproject1112th February 2009
There are several ways that your credit rating can be adversely affected. Many times the items being reported to your credit bureau may be inaccurate. To help consumers protect their credit bureau reports, the government has in place some laws that can he... Read >
Author: Marc Marseille21st 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
Stories abound of credit card processors closing merchant accounts and freezing funds. Most of these stories portray the processor as the evil villain out to steal from the small business owner. While this interpretation makes for an interesting plot, it'... Read >
Author: Ben Dwyer09th 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 Narin27th November 2008
Performing background checks on applicant’s seeking employment is common practice today for 80% of large corporations. Smaller sized firms are also beginning to understand how critical it is to know who you are hiring.
Tom Lawson, background check p... Read >
Author: Cathy Taylor11th November 2008
Every business generates and must maintain sensitive information. It can be trade secrets like research and development, customer lists, vendor lists or accounting records. It is also sensitive personal information about your employees and if you offer cr... Read >
Author: Melinda Powelson08th September 2008
Things were different earlier. These days’ loans are easily available in U.K. This is true in spite of your bad credit. If you are suffering from a poor past credit history and this is the matter of concern for you then let me clarify that poor credit h... Read >
Author: Caron Young08th September 2008
Things were different earlier. These days’ loans are easily available in U.K. This is true in spite of your bad credit. If you are suffering from a poor past credit history and this is the matter of concern for you then let me clarify that poor credit h... Read >
Author: Caron Young08th September 2008
Things were different earlier. These days, loans are easily available in U.K. This is true in spite of your bad credit. If you are suffering from a poor past credit history and this is the matter of concern for you, then you should ponder again, as poor c... Read >
Author: Shain Johnson08th September 2008
Things were different earlier. These days, loans are easily available in U.K. This is true in spite of your bad credit. If you are suffering from a poor past credit history and this is the matter of concern for you, then you should ponder again, as poor c... Read >
Author: Shain Johnson04th 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.25th August 2008
There are many people who suffer from bad credit score. The reason for this can be missed payments, arrears, CCJ, defaults and late payments. Loans for people with bad credit can help these borrowers in time of financial need.
loan for people with bad... Read >
Author: Shain Johnson26th July 2008
Car Loans Online - How To Get One
Are you planning to buy an automobile in the near future? Perhaps for yourself or someone in your family. Have you been thinking about how you may arrange the finances for this purchase (especially if you have a bad c... Read >
Author: patmorgan14th July 2008
Credit Restoration Consultants basically is a credit service organization. They are basically specialized in the restoration of consumer credit worthiness and also identity theft if any. They are there to assist consumers and provide help to achieve a man... Read >
Author: Bill Hartzer07th 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 Powelson25th April 2008
When viewing credit restoration laws it is important to decipher whether the law is pertaining to a credit report or the legality of a debt. It is a myth that all consumer debt is owed for seven years. Almost all debt is governed by state statutes and not... Read >
Author: samsky03rd 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: Navneetkaur03rd April 2008
Government regulations specifying how information must be handled keep changing while the volumes of paperwork companies are managing keep increasing. In order to meet the challenges in this new environment, more and more organizations are reevaluating th... Read >
Author: Craig Abramson07th February 2008
We all know that in a given day at work, there are usually more tasks to be done than there is time to complete them. No one wants to add yet another task to the daily routine unless the task is going to improve business and enhance productivity. While ... Read >
Author: mybinding07th 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 Pratt02nd August 2007
As concern over global warning increases, businesses are under pressure to reduce their impact on the environment. While it is easy for a factory to identify how they can reduce their carbon dioxide emissions, what about the average office? One simple sol... Read >
Author: Melinda Powelson02nd July 2007
Can you trust online credit report services? That is the question that consumers are asking today, especially with the hundreds of offers that flood your e-mail in-box promising accurate credit reporting scores with just the click of a mouse.
The good ... Read >
Author: Tomas04th 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 Kemish09th January 2007
The increased threats of identity theft and industrial espionage have moved data security to a business priority. The costs to a company that fails to protect the personal information in its care can be devastating. Add in federal and state privacy laws i... Read >
Author: Melinda Powelson12th December 2006
Laws were made to help people bring justice to their lives, and it is the violation of these laws what makes a person go through harsh time. The Federal Trade Commission (FTC) designed the laws that assured people's right to obtain, maintain and use cred... Read >
Author: Martin Rogers24th November 2006
We as consumers have the responsibility to make sure our credit report is accurate as the our reports are used in many of our personal financial dealings. Taking a look at your credit report on on regular basis is the foundation for successful financial p... Read >
Author: Robert Jones16th 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 Gabriel06th November 2006
Every single American is entitled to a free copy of their credit report. This is a new option as in the past people have had to pay for their credit report. This free credit report occurrence is due to the FTC’s ruling under the Fair and Accurate Credit... Read >
Author: Dean Iggo01st September 2006
Becoming a major epidemic, Identity Theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft includes the misuse of a Social Security number, credit cards, mail fraud, scam, schemes, frauds,... Read >
Author: Etienne A. Gibbs, mSW08th August 2006
If you have bad credit, then you might think that getting a mortgage is impossible. Obviously it is harder to get a mortgage if you have bad credit, but it is by no means impossible. There are more and more lenders willing to offer mortgages to people wit... Read >
Author: Peter Kenny28th 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 Taylor21st April 2006
When you are first establishing your credit, you can make a huge difference in the quality of your credit report with some seemingly insignificant actions. Your credit report contains information that is used to create your credit score. Companies use you... Read >
Author: Rebecca Spitzer13th 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 February 2006
The Fair and Accurate Credit Transaction Act, known commonly as FACTA, was put into law in the United States to help to protect consumers from identity theft and to help in its prevention. FACTA ensures that all citizens are treated fairly when they apply... Read >
Author: Etienne A. Gibbs19th January 2006
If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credi... Read >
Author: Peter Kenny06th 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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