| 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.
HSBC Survey: Consumers Slow to Seek Free Credit Reports, Despite ...
(CSRwire) PROSPECT HEIGHTS, Ill. - A new survey by HSBC - North America finds that while 82 percent of consumers fear identity theft, only four in 10 have taken advantage of the recent law - the Fair and Accurate Credit Transactions Act (FACT Act) - that gives consumers free access annually to their credit reports to check for errors. Checking credit reports regularly can help consumers detect identity theft, which, according to the Federal Trade Commission, has struck 27.3 million Americans in the past five years. It's also an opportunity for consumers to understand their credit status, see how their financial decisions impact their credit standing and assess their progress toward achieving financial goals. "Knowing your credit history represents the first step toward understanding and managing your financial well-being," says Loretta Abrams, vice president of community development and consumer advocacy at HSBC - North America.
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.
Police face big change in Phila.
Ramsey has ordered his top commanders, including some district captains, to begin attending 90-minute meetings each morning to review the previous night's crime trends. "We'll begin Monday meeting with the top command - senior commanders, deputy commissioners - on a daily basis to kind of give everybody a broader view of what's going on in the city, not just their little piece of it," Ramsey said in an interview Friday in his office, where the bookcases were bare but his desk was already cluttered with reports. As word spread last week of the morning meetings, some commanders privately groaned about the new workload. The meetings, first slated to begin at 7:30 a.m., were rescheduled to start an hour later to accommodate the commanders. Most of the initial changes in the department's operations last week were largely cosmetic: Mayor Nutter declared a symbolic "crime emergency" after he was sworn in Monday, and the commissioner vowed to increase the department's visibility by wearing a uniform and driving a marked squad car himself.
Democrats Choice: Corporate or Kucinich Center?
Kucinich's healthcare bill has 84 co-sponsors in the House, and his concerns about the biases in Clinton-era trade policies are, as even many Republicans admit, now typical of a large number of voters. If voters and candidates are "triangulating" in quest of a middle position, it is not the middle of the electorate that they are seeking. The goal of most Democratic candidates seems to be to keep some symbolic touch with the activist base of the party while retaining the good graces of both major media and wealthy contributors. The established media have decided that anything other than a long withdrawal from Iraq, to be followed by maintenance of support bases, is "irresponsible." (This in spite of the fact that a majority of the citizens in this nation that we wish to democratize want us out and smaller majorities even support the use of violence to remove the U.S.
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