| Experian offers credit freeze facility from November 1
Consumer credit reporting bureau Experian has announced that it will be offering its customers in 50 states and the District of Columbia, the chance to freeze their credit histories starting November 1. Experian is the second firm after TransUnion to offer consumers the option of freezing their credit histories. By freezing histories, consumers can block access to their reports by new creditors. The company said that it would be charging $10 every time a consumer wants to freeze his/her history temporarily or permanently. "It will be one option among a broad range of fraud-assistance tools we already provide to consumers so that they may make the choice best suited to their situation," said Kerry Williams, group president of credit services and decision analytics business at Experian. "Now that a national model for file freezing has emerged, Experian is offering this option to help prevent consumer confusion." TransUnion was the first company to offer this option, which will come into effect starting October 15.
Free steps towards protecting your ID
Thanks to a new law in Maryland, you can now request the three major credit reporting agencies not give out your credit report. It is just the newest way to protect you from identity theft. It will cost you $15, a five dollar fee from each credit reporting agencies. But there are two other steps you can take to guard your good name and they are both free.You see ads all the time promising you a free credit report. Those ads are all too familiar to Angie Barnett, President and CEO of the Better Business Bureau of Greater Maryland. “It is all over the internet, we find them everywhere, I'm listening to the radio, you hear it constantly." But Barnett warns buyers beware. She says, “that you can get these free credit reports but what they are going to do is give you something you can already get for free then secondly they are going to try to sell you a bundle or package of services that are directly related to protecting you from identity theft." She goes on to say that those services are steps you can take on your own without paying.The federal government requires all three of the major credit reporting agencies, Transunion, Experian and Equifax, to give you a free copy of your report once a year. There is only one place on the internet where you can do that and it is http://www.annualcreditreport.com“We encourage people to be sure you stagger it," says Barnett.
Behind the Edwards Surge: Right Message at the Right Time
Much was made of Illinois Senator Barack Obama's superb speech to a huge crowd of Iowa Democrats at the mid-November Jefferson-Jackson Day dinner in Des Moines. Without a doubt, it helped to propel Obama ahead of New York Senator Hillary Clinton in polls conducted in the weeks after the event. But Obama's speech in November may not turn out to be the definitional statement of the fight for Iowa. What could turn out to be the most critical comment of the campaign came from John Edwards in the last debate between the Democratic contenders — and the former senator from North Carolina may well claim the caucus-night victory that is the reward for delivering the right message at the right time. It wasn't a great rhetorical flourish. It wasn't even a new statement.
Warren Buffett Watch's 8 Predictions for '08 - And Beyond
Warren Buffett became one of the wealthiest people in the world by making predictions and putting money behind those predictions. Every time he buys a stock or a business or some other investment, he's forecasting the future. Judging by the incredible returns of his holding company Berkshire Hathaway, Buffett and his colleagues are very good at making those predictions. Of course, it helps when you can give your predictions plenty of time to come true. That's one reason Buffett's favorite holding period for investments in "outstanding businesses with outstanding managements" is "forever." After all, "We don't get paid for activity, just for being right. As to how long we'll wait, we'll wait indefinitely." With that in mind, here are Warren Buffett Watch's "Eight for '08" ..
Tennessee poverty rate rises more quickly than U.S. rate
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