- 1rst Get my Free Credit Score plus credit history at Transunion Experian & Equifax as seen on AOL MSN YAHOO! CreditReport.com explains what is affecting my credit score so I know what to attack. The first most important thing with credit fraud is dealing with your credit cards and bank cards.
- The second most important thing is dealing with your credit report. Not only might you have banking issues, but most of the time you will have credit report issues that can plague you for years upon years.
- Don't let credit card scams ruin your life. Find more info on ID theft.
- My rights
by law
- Fair Credit Reporting Act
Below is an overview
of the FCRA
I must be told if information in
my file has been used against me.
I can find
out what is in your file
I can dispute
inaccurate information
Incorrect information
must be corrected
I can dispute inaccurate
info with the source
Out dated info must be
removed
Access to my files is limited
My consent is required
I may ask to exclude my name from outside
offers based on my credit score
I may may
seek damages from violators
These agencies
enforce the FCRA
FTC 877-ftc-help ......
CRA's
OCCA 800-613-6743 ...... National
Banks
Federal Reserve 202-452-3693 ........F
federal reserve members
Thrift 800-842-6929
...... Savings' Banks
NCUA 703-518-6360
....... Fed Credit Unions
FDIC 877-275-3342
........ State Banks
DOT 202-366-1306
........ Air, Rail, Carriers
DOA
202-720-7051 ...... Packers and Stockyards
Identity Theft 877-id-THEFT......ID
theft.
---------Identity Theft: Credit Card Scams Fraud -------
- Scam number 1
- The Bait
Surf the Internet and view pages for
free, just for sharing my credit card number to prove I am over
18.
The Catch
Fraudulent promoters use my credit card
numbers to run up charges on MY cards.
The
safety Net
I share credit card
information only when I buy from a company I trust. I dispute
unauthorized charges on my credit card bill by complaining to the
bank that issued the card. Federal law limits my liability to
$50.
This topic is like stolen
identity. If I feel this has happened, I do 2 things. Send in a
letter like this one and get a Credit Monitoring Service. For more
information, click here. The letter will be placed on my report and
I will be contacted on before new lines of credit are opened or
charged
-
Scam number 2
-
Guaranteed Loans or Credit, On Easy
Terms
-
Some offer home-equity loans, even if I
don’t have any equity in my home. Others offer guaranteed, unsecured
credit cards, regardless of my credit history. The "loans" turn out
to be lists of lending institutions and the credit cards never
arrive.
Don't be fooled folks by all the
bull on the net.
IN FACT almost all e-mail
received UNSOLICITED is a SCAM. Don't fall for them
Get all 3 credit scores fast free and easy with GoFreeCredit
So you say you want to improve your credit? Well it starts right here.
As seen on AOL MSN and YAHOO
- Scam number 3
- Get a new credit identity or credit history
- Do not be fooled or tricked into buying a new credit file when I say it is illegal.
- If I have filed for bankruptcy, I may be the target of a new credit repair scheme, often called "file segregation." In this scheme, I am promised I can hide bad credit by establishing a new credit identity.
- The problem is, "file segregation" is illegal.
- If I use it, you I could face fines or even prison.
- The Pitch: If I have filed for bankruptcy, I might receive a letter from a credit repair company that warns me about my inability to get credit cards, personal loans, or any other types of credit for ten years. For a fee, the company promises says they will help me hide my bankruptcy and establish a new credit identity you can use when applying for credit.
- If I pay the fee and sign up for the service, I might be directed to apply for an Employer Identification Number (EIN) from the Internal Revenue Service (IRS). Typically, EINs -- which resemble social security numbers -- are used by businesses to report financial information to the IRS and the Social Security Administration.
DON'T mess with the I R S. Dad Gum!
- Claim 1: I will not be able to get credit for 10 years (the period of time bankruptcy information can stay on my credit record). This is totally false. 13's have to wait until discharge and 7,s are discharged immediately. Many banks will work with me in less than 2 years and some right away on 7,s
- Claim 2
- The company or "file segregation" program is affiliated with the federal government. The federal government does not support or work with companies offering such programs.
- Claim 3:
- The "file segregation" program is legal. It is a federal crime to make any false statements on a loan or credit application, which the credit repair company may advise me to do to my credit report. It is a federal crime to misrepresent my social security number. It also is a federal crime to obtain an EIN from the IRS under false pretenses. Further, you could be charged with mail or wire fraud if you use the mail or the telephone to apply for credit and provide false information. Also, file segregation would likely constitute civil fraud under many state laws.
- If I receive a letter from a company making such claims, I contact my state attorney general or consumer protection office.
- I also file a complaint with the FTC.
- Write: Correspondence Branch, Federal Trade Commission, Washington, D.C. 20580.
While the FTC does not handle individual cases, it can act against
companies when it sees a pattern of possible law violations developing.
Other FTC Brochures
- For more information about credit reports, I can order these free FTC
brochures:
- Building a Better Credit Record,
Credit Repair Scams,
Fair Credit Reporting,
Fix You Own Credit Problems and Save Money,
Scoring for Credit,
Solving Credit Problems, and
Women and Credit Histories.
Write: Public Reference, Federal Trade Commission,
Washington, D.C. 20580.
Facts for Consumers from the Federal Trade Commission -----
How to Get Good Credit The Entire Story
- Get Your Free Credit Scores So you say you want to improve your credit? Well it starts right here.
As seen on AOL MSN and YAHOO
- We must have 3 - 6 open lines of rated credit (12 month's reported to bureaus within the last 1 - 2 yrs) ! It's not enough to pay off collections and charges offs.
Get good current lines of credit here
Credit Cards for a 0- 599 Credit Score
Credit Cards for a 600 - 649 Credit Score
Credit Cards for a 650 - 699 Credit Score
Credit Cards for a 700 - 749 Credit Score
Car Auto loans Bad Credit? No Credit? No Problem
- Dispute Errors Validate Debts Negotiate with Creditors Pay Balance Limit Ratios down to less than 79% best if 30%. Concentrate on debts that are 24
months from today back, as this time frame makes up 70% of credit scores.
- Get a good job or two jobs, budget and pay bills on time. In 12 to 24
Months your score will JUMP BIG TIME
-------------- Identity Theft: Credit Card Scams Fraud ------------------ |
I am Bo
Majors. I answer questions free and fast
majors@oskie.com
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