News and information about consumer credit, how to mangage it, and laws / proposed legislation impacting credit.Wed, 26 Jan 2005 21:26:05 GMTListGarden Program 1.02http://blogs.law.harvard.edu/tech/rss
Using the Fair Credit Reporting Act (FCRA) as the basis for a law suit, an Oregon man has won his battle with Equifax Information Services. Matt Kirkpatrick, the plaintiff in the case, became a victim of identity theft in 2000. When he discovered that more than thirty fraudulent credit lines had been added to his credit report, he filed police reports and notified all of his legitimate creditors.Wed, 26 Jan 2005 21:26:01 GMT
January 14, 2005 - GUS, marketer to the world and parent company of Experian released their Third Quarter Report. Profits were up dramatically as the company bilked consumers and businesses of millions of dollars by supplying inaccurate credit information.Sat, 15 Jan 2005 00:54:39 GMT -
January 13, 2005 - The number one reason for personal bankruptcies is an over-extension of credit card debt. Daily we meet with individuals that are living paycheck to paycheck, trying to pay their bills, but monthly finding themselves behind. Below are some steps to help yourself dig out of from under credit card debt.Fri, 14 Jan 2005 00:31:40 GMT -
January 13, 2005 - Whether your personal finance teachers, looking for a good online resource on credit, or just a person who would like to better understand credit cards, you are encouraged to check out part of the popular Frontline series, The Secret History of the Credit Card at the Public Broadcasting System website.Fri, 14 Jan 2005 00:30:09 GMT -
January 11, 2005 - ATM card skimming has been around for years. Recently, police in Fort Worth, TX issued a warning to consumers to be on the lookout for card skimming equipment. Because card skimming is not limited to Texas, ACCESS believes that consumers nationwide need to be aware of what card skimming is, how it works, and how to prevent it.Tue, 11 Jan 2005 21:08:59 GMT -
January 6, 2005 - A new trend in thievery is emerging for online shoppers; the resale of discounted debit cards from name-brand merchants. Consumers making such purchases could actually be receiving stolen merchandise.Thu, 06 Jan 2005 18:28:25 GMT -
December 27, 2004 - Consumers need to pay attention to people that may be standing near them, and carrying cell phones, when they make a purchase. Many of the newer cell phones on the market also contain digital cameras. Thieves can use these cameras to photograph personal information, such a driver’s license numbers, credit card numbers and checking account numbers, if they can get close enough to consumers when a purchase is being made.Mon, 27 Dec 2004 22:43:12 GMT -
December 21, 2004 - Currently the FTC is taking public comments on the fees charged to consumers for their credit point scores. Here is your opportunity to sound off about this practice.Tue, 21 Dec 2004 18:23:00 GMT - http://www.guardmycreditfile.org/index.php/content/view/302/
Dec 13, 2004 - Today, we reorganized our weblinks to make it easier for you to navigate. Our weblinks now provide links to the following information:Mon, 13 Dec 2004 16:07:02 GMT -
December 10, 2004 - A federal appeals court in Chicago has ruled that a car dealership's direct mail promotion may have violated the Fair Credit Reporting Act (FCRA) because it boldly told consumers they were pre-approved for both a major credit card and up to $19,500 in "automotive credit', but then in the fine print only guaranteed a $300 line of credit.Sat, 11 Dec 2004 02:21:04 GMT -
December 4, 2004 - Holiday shopping can be a real hassle. First, you have to fight the traffic to get to the mall and find a parking spot, which is usually someplace out in Timbuktu. Then you have to fight your way through that blisteringly cold 65 degree wind in the parking lot (OK, so I live in California) to get inside. Finally, you find yourself confronted with hordes of people, all trying to buy the same thing you are. All in all, it can be pretty miserable experience.Fri, 03 Dec 2004 19:57:09 GMT -
December 1, 2004 - For some time now, a number of companies have offered consumers free credit reports. ACCESS has provided numerous warnings about these services because their privacy policies allow them to resell, or repurpose your private data. We have always told consumers that if they want to get access to their credit report, they were better off purchasing it directly from the credit repositories; Eqifax, Trans Union and Experian.Wed, 01 Dec 2004 20:32:16 GMT -
December 1, 2004 - The federal law that requires credit reporting bureaus to provide free reports is the Fair and Accurate Credit Transactions Act, also known as FACTA. The law also gives consumers the right to one free report prepared by a “nationwide specialty consumer reporting agency” that compiles files on consumers.Wed, 01 Dec 2004 20:33:38 GMT -
November 29, 2004 - Gift cards seem like the perfect present. They're easy to get and fun to receive. This last year (2003) consumers spent more that $45 billion on these easy-to-buy presents, a 50% gain over 2002. Spending on gift cards is now projected to hit $90 billion by 2007. In 2001, the average gift card was $200. With this much money at stake, merchants are finding creative ways to be naughty rather than nice. Hidden within the fine print are some penalties that could sour the Christmas spirit.Tue, 30 Nov 2004 08:20:51 GMT
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