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Identity Theft Archive for 2009

  • What Can I See with My Free Credit Report?

    by Ruth Racey

    Some Americans often ask themselves, “What’s the deal with credit reports?” For many consumers, the annual reports are nothing more than mere records of their credit card use. What they fail to understand is that their credit report shows more than their past card transactions. Credit reports are also very … (more) September 20, 2009

  • The Credit Reporting Rights of Cardholders

    by Ruth Racey

    Credit reports are convenient and comprehensive records of Americans’ credit card transactions and histories. They are regularly updated records of the spending habits and financial status of cardholders across the country. Aside from that, these reports also contain sensitive information about private individuals. Because of this, the federal government regulates … (more) September 20, 2009

  • Requesting a Credit Report for Special Situations

    by Ruth Racey

    By law, Americans are entitled to receive a copy of their credit report once a year from any of the three credit agencies. Cardholders, however, have to file a request with the credit bureaus authorized by the federal government to collect information and issue reports. The three major credit agencies … (more) September 20, 2009

  • How to Get Free Credit Reports

    by Ruth Racey

    Credit card companies, banks, and even potential employers rely on information found in Americans’ credit records. For them, an individual’s credit history will reveal the financial skills of a job applicant or a client. Sadly, not everyone in the U.S. realize the importance of monitoring their credit histories. In fact, … (more) September 20, 2009

  • Credit Reports as a Valuable Tool against Fraud

    by Ruth Racey

    Credit cards have undoubtedly changed the landscape of the nation’s economy. Because of the plastic revolution, Americans are able to purchase almost anything they desire. For economists, the logic is quite simple. More spending means more demand for more products and services. A greater demand for products and services would … (more) September 20, 2009