Author: Sensei

Credit Card Control?

Have the Gun Control people joined forces with the Credit Card companies? You have to wonder. What does that mean?! Well with ID theft on the rise you have to wonder why Credit Card companies won’t enable consumers to protect themselves from fraudulent account use. Consumers are not allowed to set transaction limits or block Read More

ID Theft, Are you a Victim?!

Most people don’t know if they have fallen prey to an Identity theif. The ID theif is often someone close to you, someone you would never expect but it could just as easily be a complete stranger. You need to protect yourself and remain mindful of this risk. If you are cautious you check your credit card statements every month for suspicious charges. While this is a good practice it falls short of any real protection from Identity theft. That is because most ID theives obtain new credit cards and/or loans once they have your identity, then they don’t have to worry about you stumbling across their charges. Luckily there is something you can do to protect yourself and limit this risk. In 2003 the Fair and Accurate Credit Transactions Act of 2003 (FACTA) amends the Fair Credit Reporting Act (FCRA) and requires the nationwide credit bureaus to provide consumers, upon request, a free copy of their credit report once every 12 months. The three nationwide consumer reporting companies, Equifax, Experian, and TransUnion, will begin processing consumers’ requests for credit reports for free. Consumers also may request a copy of their credit report by phone or mail, but, for these methods, must fill out a standardized form. So what are you waiting for?! You can order your annual credit report today by using the request form is available at AnnualCreditReport.com. Don’t wait to find out the hard way, be proactive and protect yourself today.

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ID Theft ALERT

Research shows that ID theft is soaring in the U.S. because ID thieves are increasingly targeting individuals living in rural communities. Identity fraud hot spots include the cities of Springfield, IL; and Bozeman and Missoula, MT. In fact, Montana makes multiple appearances in the top ten list: at number four with Whitefish, five with Lolo, Read More