How to get a free Credit Report
October 29, 2007
The only reason some people offer you free credit reports is to scam you or to get your information and then use that information to fill your email box with new offers related to your demographic.
From: http://www.ftc.gov/bcp/conline/pubs/credit/freereports.shtm
The above link is to the government’s Federal Trade Commission’s websie about Free credit reports. The following excerpt’s in quotes is directly from them, visit their website to check if you doubt me.
“Your Access to Free Credit Reports”
“The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies”
“A Warning About “Imposter” Websites”
“Only one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.”
“Some “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.”
“annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.”
“Q: How do I order my free report?”
“A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.”
“To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/bcp/conline/edcams/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.”
“You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.”
Free Ebook – How to prevent ID theft
Posted in Identity Theft | Comments Off
July 18, 2007 by jrasmus2002.
I share with you many of the principles that life lock uses to protect your identity in my free ebook
Lifelock.com is the leading industry leader in the rapidly growing field of Identity Theft Prevention. Notice that they prevent identity theft, not monitor your credit and notify you after you are a victim. I have always tried to be super careful about protecting my identity and I used to use a credit monitoring system. Time does not allow me to tell you how frustrated I was with them. One day I was so frustrated, I said there has to be a better company to help monitor my identity, I not only found a better company, Ifound a better way, identity theft protection.
Lifelock boasts this guarantee on their website, ”
One Million Dollar Guarantee
Our Guarantee is simple. If you are our client when someone steals your personal information and subsequently misuses it, we will reimburse any and all direct expenses that you incur and pay for professionals with the proper expertise. The maximum amount that we will pay is $1 million over the life of the incident. We provide this guarantee because we are so confident in our product.”Now I share with you in my ebook everything I know about how they protect my id.
My ebook
Table of Contents:
1. Introduction ………………………………………………..
1a. Test your identity quotient ………………………
2. Steps to Protection …………………………………….
2a. Step 1 – Contact the Credit Bureaus
and set a fraud alert ………………………………………
3. Step 2 – Restrict Junk Mail …………………………
4. Step 3 – Block pre approved credit offers
5. How do thieves steal an identity? …………….
6. Quiz – Test your knowledge about Restoring an Identity 9
6a. other quizzes Spyware, phishing ……………
7. Link to Identity Theft Victim’s Guide ……….
Even knowing what I know about Identity theft, I don’t have the time to stay on top of it. That’s why I pay life lock $9.00 a month. (Normally it is $10 but you get a discount when you sign up through my link.) Shhhh, don’t tell the people that are already paying $10 a month.
Free Ebook – How to prevent ID theft
Posted in Identity Theft | Comments Off
A Thief would rather steal your Identity rather than your wallet
July 3, 2007 by jrasmus2002.
How much do you know about Identity Theft? I encourage you to start today and educate yourself about protecting your Identity.
Test your “Identity Quotient
http://www.privacyrights.org/ITquiz-interactive.htm
Your test score will reveal your risk for identity theft and you’ll get some great tips on how to protect yourself from identity thieves. Criminals now use identity theft to finance their criminal enterprises. My credit card information was stolen from a data base, (which data base – I don’t know) but in one night they processed almost a $1000 worth of charges in another nation. I encourage you to protect your identity
For free Ebook on how to protect yourself from Identity Theft click Free Ebook
Posted in Identity Theft | Comments Off
Identity theft can cause problems with the IRS
July 3, 2007 by jrasmus2002.
As I was listening to the radio yesterday I heard a story about a man that had been contacted by the IRS that he was under reporting his income. It turns out some one in another state was using his social security number to work a job and both incomes were being reported to the IRS.
Just yesterday I was talking to a person in law enforcement, his social security number had been stolen, and someone was using it to start a business in another state.
Selling social security numbers has become big business, if an undocumented worker needs a social security number – he can always buy one. And that social security number might be yours. Always take steps to protect yourself.
Free Ebook – How to prevent ID theft
Posted in Identity Theft | Comments Off
Add a security Alert to your Credit Report
July 3, 2007 by jrasmus2002.
In my Free Ebook – How to prevent ID theft I use one of LifeLock’s recommendations. LifeLock is a service I pay for to protect my identity. One of the things they do for me is to add a Security Alert to my credit file. Below I part of the confirmation I received concerning my security alert. (You can find the link to add a security alert yourself in my free Ebook. I use LifeLock so I don’t have to remember to add the alert every 90 days.)
(Below is the confirmation of my security alert)
Dear ……..
We have added an initial Security Alert to your credit file as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will expire after 90 days from 04/01/2007, alerts credit grantors to verify your identity in case someone is using your information without your consent. As an additonal precaution, we have removed your name and address from prescreened offer mailing lists for six months. You can request a free copy of your credit report by visiting our secure Website……………..
Posted in Identity Theft | No Comments »
It happened to me
I had a message from my credit card company to give them a call. While driving to work, (using a hand free headset of course), I contacted my credit card company. After confirming who I was, I asked them multiple questions to find out who this was that wanted to discuss my personal information, my credit card company asked me if I had charged about $900.00 in London the night before. I assured them I was about 9000 miles away from London the previous evening.
Well, they got my card number but they didn’t get my identity. If you want additional information on how to protect your identity download my Free Ebook – How to prevent ID theft
Free DIY id theft protection
Free Ebook – How to prevent ID theft