Having trouble finding the mailing address for any of the three major credit bureaus, TransUnion, Experian, Equifax? Here they are:
We wrote about Eric Drew a few weeks ago—his personal information was stolen by a shady lab technician while he was undergoing treatment in 2004.
(714) 830-7000 is answered by a live human being
How filing a fraud alert with each of the three major credit bureaus works, as told by a blogger who recently had to go through the process. [No Credit Needed]
All three credit reporting agencies recently announced plans to let consumers freeze their credit files. Credit freezes provide security at the cost of convenience: access to credit reports and scores is prevented without the consumer’s express authorization, making it difficult to open new accounts or lines of credit. Freezes are considered one of the best, albeit drastic, ways to guard against identity theft.
Beginning October 15th, credit reporting company TransUnion will let consumers freeze their credit reports, which means imposters will not be able to use your credit to do things like open new phone accounts or sign up for credit cards. While this is great news, the other two major credit reporters, Experian and Equifax, are so far not offering a similar feature, although they say they’re considering it.
Ask Max has a detailed list of how long different types of credit items stay on your report.
This is the story of a girl named Corey O’Malley, and a boy named Corey O’Malley, who had their credit reports accidentally merged.
We’ve had a couple of different people ask recently if one is responsible for credit card debts made as a minor. See, people under 18 aren’t supposed to get credit cards (unless an adult cosigns). Now, some of these people lied about their age to get the cards. That’s fraud. Fraud is bad. Don’t do it.
The introduction of additional trigger criteria and attributes within Collection Triggers increases the ability for companies to act quickly when new information is available. Subscribers to Collection Triggers are notified within 24 hours when the financial status of a consumer within their collection portfolio has improved.
“Collection Triggers increases revenue by allowing companies to be first to the door of consumers who have improved their ability to pay,” said Zaydoon H. Munir, senior vice president, Experian’s Consumer Information Solutions. My, what a lovely industry. —MEGHANN MARCO
There is another way to get a free credit report if you’ve already used up your free one per year through annualcreditreport.com.
Recently we checked out our credit report and were surprised to see a $500 unpaid charge. It was from a video store we frequented in college. (We could’ve sworn we returned Wicker Man….) The video store had never sent us any notice and the debt was sold to a collection agency, who had also never contacted us. Odd.
AOL apparently missed our post on how the Florida Attorney General is investigating FreeCreditReport.com.
The Florida Attorney General’s office has opened an investigation into FreeCreditReport.com for, “failure to adequately disclose negative option enrollment … deceptive advertising, misleading domain name, and failure to honor cancellations.”
We think we have a new favorite “go screw” line from a company: We understand that the privacy and security of your information is important to you; therefore we cannot provide a specific reason as to why we cannot fulfill your request. That just punches a steaming hand, Fist of the North Star style, right through the sternum of our old fave, We appreciate your concerns.