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The best way
to deal with credit repair and debt issues is to educate yourself. Our site
membership gives you access to a large variety of articles that cover
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Collection accounts | Debt validation (VOD) | Judgment strategies (removing
and vacating) | Expired debts | Credit bureau stalls | Collection abuse | Credit
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repair scams | Credit repair with the FCRA | Medical collections and HIPPA |
Restricted endorsements | Accord and satisfaction | Clean hands doctrine | Student
loan issues (rehab, default) | Tax Liens | Plus much much more!
Identity
theft and protection "Identity Theft is the fastest growing crime in the U.S."
According to the FTC. If you have ever had your identity stolen, then
you know first hand what terror you go through. Someone has literally
assumed your identity and is trailing a long history of credit card abuse
and personal information all over the Internet, to your creditors and
possibly worse.
Enjoy the feeling of security knowing that your credit
report is accurate. Theft of identity is on the rise. Often the first
notice consumers get that someone has fraudulently assumed their identity
is either a call from a collection agency demanding payment on an overdue
credit account which they never opened or when their own monthly billing
statements do not arrive in the mail and they find out the address on
their account has been changed by an identity thief. Most victims never
learn how the identity thieves accessed their personal identifying information.
Minimize Your Risk
In the course of a busy day, you may write a check at the grocery store,
charge tickets to a ball game, rent a car, mail your tax returns, call
home on your cell phone, order new checks, or apply for a credit card.
Everyday transactions that you may never give a second thought to are
an identity thief's bread and butter. Each of these transactions requires
the sharing of personal information: your bank and credit card account
numbers; your income, Social Security number and name, address and phone
numbers, to name a few. While you can't prevent identity theft, you can
minimize your risk by managing your personal information wisely.
Catching Identity Theft Early
Sometimes an ID thief can strike even when you've been very careful. One
of the best ways to catch identity theft is to regularly check your credit
record. Order your credit report from each of the three major credit bureaus
each year and make sure all the information is correct. Also, follow up
with creditors if your bills do not arrive on time. A missing credit card
bill could mean an identity thief has taken over your credit card account
and changed your billing address to cover his tracks.
Avoiding Identity Theft
Shred all credit card receipts and solicitations,
canceled checks and financial documents before throwing away.
Check your credit card statements and immediately
report unauthorized purchases.
Don’t give out your Social Security number,
mother’s maiden name, or any account information over the phone,
unless you are sure the caller is legitimate.
Never include your Social Security number
on personal checks.
Do not allow sales clerks to copy your credit
card numbers on to checks for additional information.
Call your credit card company if your card
has expired and you have not received a new one.
Carry only a few credit cards with you.
Never write down Pins and passwords: memorize
them.
Opt out Services From Telemarketing
You've probably been on the other end of all those solicitations ending
up in your email, mailbox and phone calls. Those offers can really pile
up and are extremely annoying to many people. There is a way to reduce
your bulk mail advertisements. There are three lists to opt out from.
There is opting out from telephone, email and mail. The Directory below
supplies you with the information to "Opt Out"
DMA - DIRECT MARKETING ASSOCIATION
Opting out by phone
-Telephone Services
PO Box 9014
Farmingdale, NY 11735
212-768-7277
Opting out by mail
-Mail Service
PO Box 9008
Farmingdale, NY 11735-9014
Opt out by email
www.e-mps.org
The Credit Bureaus
There are three national credit bureaus. Experian, Equifax and Trans Union.
These credit bureaus share your personal information with telemarketers,
insurance companies and financial services companies. You can opt out
with these companies as well simply by calling the designated phone number.
Opt out from the credit bureaus
1-888-567-8688
Opting out from other directories
There are several other directories that carry information about you especially
if you are listed in any phone book, voter's registration or if you're
a homeowner.
Haines Criss Cross
1-800-562-8262
To opt out by mail use this simple letter.
To: List Service
Date: today's date
To whom it may concern,
I am aware that I am listed in your directory. At my
request, please remove my name from these lists effective immediately.
Below is the information you need to complete my request.
Your full name:
Your current address:
Previous mailing address:
Your signature:
Credit Tools
Identity
theft and protection