How Do I Freeze My Credit Report?

Stop ID theft - add a credit freeze to your credit file.

HOW DO I GET MY FREE CREDIT REPORT?

How do I get my free credit report? The Fair Credit reporting Act (FCRA) is a federal law that gives consumers rights, including the right to a free credit report every 12 months.  Consumers may order free reports from the nationwide consumer reporting agencies, including Equifax, Experian and Trans Union, by mail, phone or online. … Continue reading HOW DO I GET MY FREE CREDIT REPORT?

APPS MAY VIOLATE FCRA – FTC SENDS WARNING LETTER TO EVERIFY, INFOPAY AND INTELLIGATOR

The Federal Trade Commission warned marketers of six mobile applications that provide background screening apps that they may be violating the Fair Credit Reporting Act. The FTC warned the apps marketers that, if they have reason to believe the background reports they provide are being used for employment screening, housing, credit, or other similar purposes, … Continue reading APPS MAY VIOLATE FCRA – FTC SENDS WARNING LETTER TO EVERIFY, INFOPAY AND INTELLIGATOR

TRINITY HOSPITAL PATIENT DATA STOLEN BY EMPLOYEE

The Birmingham News is reporting Chelsea Catherine Stewart was charged with stealing more than 4,500 patients' medical records from Trinity Medical Center in Birmingham, Alabama.  The matter is currently under investigation and while authorities have not disclosed her motive for stealing the patients' personal identifying information (PII).  However, the identity thief's notes indicated that she planned to run … Continue reading TRINITY HOSPITAL PATIENT DATA STOLEN BY EMPLOYEE

FINANCE TIPS FOR 2011

2011 is here!  Consumers often tell me about their new year's resolutions and ask how me how they can improve their financial stability in light of their credit score.  The following are some great tips for consumers who are trying to increase their financial stability: Review your credit report.  Your financial future depends on the … Continue reading FINANCE TIPS FOR 2011

HOW DO I DISPUTE INCORRECT INFO ON MY CREDIT REPORT?

How do I dispute incorrect information on my credit report?  According to the Federal Trade Commission (FTC), consumers should dispute inaccurate information on their Equifax, Experian or Trans Union credit reports.  Derogatory or negative information on your credit report can decrease your credit score.  Ultimately, you may be denied credit, employment or insurance based on … Continue reading HOW DO I DISPUTE INCORRECT INFO ON MY CREDIT REPORT?

ALABAMA 1 OF 3 STATES WITHOUT A CREDIT FREEZE LAW

The Federal Trade Commission (FTC) estimates over 8 million Americans become victims of identity theft each year.  Billions of dollars are spent by every year by consumers and others in losses as a result of identity theft.  The identity theft problem has significantly increased over the last decade, with complaints about identity theft rising by more than 578% … Continue reading ALABAMA 1 OF 3 STATES WITHOUT A CREDIT FREEZE LAW

FREE SAMPLE CREDIT REPORT DISPUTE LETTER

Consumers often contact us for a sample credit report dispute letter to dispute inaccurate information contained on their Experian, Equifax or Trans Union credit reports.  Did you know incorrect items can decrease your credit score and ability to get credit?  If you need a free sample credit report dispute letter, then check out this sample dispute letter recommended by … Continue reading FREE SAMPLE CREDIT REPORT DISPUTE LETTER

HOW DO I ADD ACCOUNTS TO MY CREDIT REPORT?

I am often asked by my clients how to add accounts to their credit reports.  In fact, your credit file may not reflect all your credit accounts. Although most national department stores and all-purpose bank credit card accounts are included in your file, not all creditors supply information to credit reporting companies.  For example, some retailers, credit unions, … Continue reading HOW DO I ADD ACCOUNTS TO MY CREDIT REPORT?

HOW DO I DISPUTE INFO ON MY CREDIT REPORT?

According to the Federal Trade Commission (FTC), consumers should dispute inaccurate information on their Equifax, Experian or Trans Union credit reports.  Derogatory or negative information on your credit report can decrease your credit score.  Ultimately, you may be denied credit, employment or insurance based on incorrect information in your credit report. The FTC recommends taking … Continue reading HOW DO I DISPUTE INFO ON MY CREDIT REPORT?