Posts Tagged Social Security
What should I do? Breach of personal information?
Posted by admin in Law & Ethics on May 21, 2010
smoke20rules asked:
The home office of my employer’s broker dealer lost my fingerprint card that also contained my date and place of birth, social security number, home address, height, weight, etc. They have offered little explanation as to the situation. I was fingerprinted in 2004 so who knows how long it has been lost and whether it ever made it to their office. Should I be concerned they lost such personal information? Should I pursue any further actions like making them pay for a credit report or monitoring?
Dora
The home office of my employer’s broker dealer lost my fingerprint card that also contained my date and place of birth, social security number, home address, height, weight, etc. They have offered little explanation as to the situation. I was fingerprinted in 2004 so who knows how long it has been lost and whether it ever made it to their office. Should I be concerned they lost such personal information? Should I pursue any further actions like making them pay for a credit report or monitoring?
Dora
Credit Report Dispute – Tips, Secrets and FAQ’s
Justin Fox asked:
Credit report dispute a personal experience. My name is Justin and I had to dispute my Credit report, let me give you some free tips and advice.
I found errors and outdated information on my credit report, If I did not fix this fast it could have severely damaged my credit score. If you are in the same position, don’t delay as you could hit with permanent credit score damage. Did you know that 79% of all credit reports contain errors! Yes, your not alone. A whopping 79% of all credit reports contain some type of report error. Did yo also know that up to 25% contain errors, this will most likely result in credit denials. Also, it could mean hiked interest rates and a direct loss employment opportunities!
Act Fast – But Smart So many of the great things in your life are related your personal credit score. From the street that you live on and even to the car that you drive. Actually, everything in your life is affected by your credit score.
Don’t Delay You need to write to the Credit Bureau and solve any errors as soon as possible. Let’s look at what you need to do.
What are the actions I need to take? You might already have a copy of your credit report as you know you have an error or mistake on your report and want to dispute it, Even if you do have a copy you need all three copies form the 3 credit report bureaus.
Best to get a 3 in 1 report as this will save time and money. Here are the prices:
Equifax, Get 3-in-1 Credit Report with Score Power $39.95 Experian – 3 Bureau Credit Report and PLUS Score for $34.95 TransUnion – A 3-in-1 Credit Report with FREE for $29.95
So, What’s the Process of disputing a claim? Easy!, just follow these helpful tips for a dispute:
Make sure you put everything in writing. Be sure to dispute each item in a separate letter. Include your name, address and Social Security number for verification. It’s wise to send all letters certified mail and return receipt requested. Be sure to make copies for your files. Don’t give up, be persistent and write several demand letters may be necessary. Know that credit bureaus are required to show disputed items as “Disputed” on your credit report. Provide enough information for the credit bureau to conduct their investigation. Finally, know that once negative items are removed you can request (make sure this is done, it’s very important) the credit bureau to send correction notices to anyone who has received your credit report in the past six months (two years for employment purposes).
If your dispute request unsuccessful? Do this: Send a “Statement of Dispute” – This will demonstrate that all your attempts at resolving the dispute have failed. So, file a dispute with the credit bureau’s National Consumer Assistance Center. For you to enter such a dispute just call the telephone number which included with your credit report or complete a “Reinvestigation Request” Consumer Response Center, FCRA, Federal Trade Commission, Washington, D.C. 20580
A final word, be warned about Illegal disputes It is considered illegal for you to change your social security number to obtain a clean bill of credit. so take not that If any company might suggest this type of credit repair be sure to report them to the authorities.
I sincerely hope that this article gives you with a few tips and provides you some good advice on filing a credit report dispute.
To get more advice and information on credit report dispute, or Credit Score and Credit Reports click on a www.credit-reporter.net [http://www.credit-reporter.net]
Sara
Credit report dispute a personal experience. My name is Justin and I had to dispute my Credit report, let me give you some free tips and advice.
I found errors and outdated information on my credit report, If I did not fix this fast it could have severely damaged my credit score. If you are in the same position, don’t delay as you could hit with permanent credit score damage. Did you know that 79% of all credit reports contain errors! Yes, your not alone. A whopping 79% of all credit reports contain some type of report error. Did yo also know that up to 25% contain errors, this will most likely result in credit denials. Also, it could mean hiked interest rates and a direct loss employment opportunities!
Act Fast – But Smart So many of the great things in your life are related your personal credit score. From the street that you live on and even to the car that you drive. Actually, everything in your life is affected by your credit score.
Don’t Delay You need to write to the Credit Bureau and solve any errors as soon as possible. Let’s look at what you need to do.
What are the actions I need to take? You might already have a copy of your credit report as you know you have an error or mistake on your report and want to dispute it, Even if you do have a copy you need all three copies form the 3 credit report bureaus.
Best to get a 3 in 1 report as this will save time and money. Here are the prices:
Equifax, Get 3-in-1 Credit Report with Score Power $39.95 Experian – 3 Bureau Credit Report and PLUS Score for $34.95 TransUnion – A 3-in-1 Credit Report with FREE for $29.95
So, What’s the Process of disputing a claim? Easy!, just follow these helpful tips for a dispute:
Make sure you put everything in writing. Be sure to dispute each item in a separate letter. Include your name, address and Social Security number for verification. It’s wise to send all letters certified mail and return receipt requested. Be sure to make copies for your files. Don’t give up, be persistent and write several demand letters may be necessary. Know that credit bureaus are required to show disputed items as “Disputed” on your credit report. Provide enough information for the credit bureau to conduct their investigation. Finally, know that once negative items are removed you can request (make sure this is done, it’s very important) the credit bureau to send correction notices to anyone who has received your credit report in the past six months (two years for employment purposes).
If your dispute request unsuccessful? Do this: Send a “Statement of Dispute” – This will demonstrate that all your attempts at resolving the dispute have failed. So, file a dispute with the credit bureau’s National Consumer Assistance Center. For you to enter such a dispute just call the telephone number which included with your credit report or complete a “Reinvestigation Request” Consumer Response Center, FCRA, Federal Trade Commission, Washington, D.C. 20580
A final word, be warned about Illegal disputes It is considered illegal for you to change your social security number to obtain a clean bill of credit. so take not that If any company might suggest this type of credit repair be sure to report them to the authorities.
I sincerely hope that this article gives you with a few tips and provides you some good advice on filing a credit report dispute.
To get more advice and information on credit report dispute, or Credit Score and Credit Reports click on a www.credit-reporter.net [http://www.credit-reporter.net]
Sara
A Guide To Reading And Understanding Your Credit Report
Ann Richter asked:
In these days of identity theft, checking out your credit report is a good idea in order to make sure that everything on it is correct. However, once you have your copy in hand, you may be a bit puzzled as to how to decipher all those strange-looking abbreviations and numbers listed on the paper. Take heart – very few people understand how to read a credit report, especially if they are examining one for the very first time. All you need is a simple explanation of the wordage contained to intelligently zip through this information.
What’s In My Credit Report?
You first need to be aware of how a credit report is laid out. These reports normally are divided into four segments of information. These are:
Personal Information that identifies you, like your name and Social Security number, the date you were born, present and past addresses, phone number(s), who you work for, and the same information about your spouse. Public Information lists the data that has to do with your financial history which is available via public record. If you have filed for bankruptcy, had a tax lien, or any sort of monetary judgment against you, it will be listed in this section. Credit History Information is a listing of all the different accounts you have, such as with utility companies, retailers, banks, credit card companies, and other lenders. The Inquiries section is a list of anyone who may have asked to view your credit report. Inquiries are usually divided into two separate sections, hard and soft.
Most of this information is simple to understand. It’s when you start to read the Credit History information that you may wind up with a headache! You’ll see the following entries for each account that you may have:
The date that you opened the account What type of credit (department store, car loan, student loan) Whose name the account is in Loan amount or credit limit The total amount you owe on the account The minimum monthly payment or fixed payment amount Whether the account is open, closed, inactive, or paid Your payment history – late, always on time, etc
Now comes the part that makes most people feel like screaming – all those codes! But, you’ll never have to wonder what they mean again.
J – Joint
I – Individual
U – Undesignated
A – Authorized User
T – Terminated
M – Maker
C – Co-signor
B – On behalf of someone else
S – Shared
O – Open – the entire balance is due monthly
R – Revolving – Each month’s payment amount can be different
I – Installment – The same amount is due each month
0- Approved account, but not yet used
1 – Paid as per agreement
2 – 30 days or more past due
3 – 60 days or more past due
4 – 90 days or more past due
5 – 120 days past due or sent for collection
7 – Making payments as per a special arrangement
8 – Repossession
9 – Charged off
Once you know how to read a credit report, it is simple to check it for mistakes in order to keep your credit standing in good shape.
Kristin
In these days of identity theft, checking out your credit report is a good idea in order to make sure that everything on it is correct. However, once you have your copy in hand, you may be a bit puzzled as to how to decipher all those strange-looking abbreviations and numbers listed on the paper. Take heart – very few people understand how to read a credit report, especially if they are examining one for the very first time. All you need is a simple explanation of the wordage contained to intelligently zip through this information.
What’s In My Credit Report?
You first need to be aware of how a credit report is laid out. These reports normally are divided into four segments of information. These are:
Personal Information that identifies you, like your name and Social Security number, the date you were born, present and past addresses, phone number(s), who you work for, and the same information about your spouse. Public Information lists the data that has to do with your financial history which is available via public record. If you have filed for bankruptcy, had a tax lien, or any sort of monetary judgment against you, it will be listed in this section. Credit History Information is a listing of all the different accounts you have, such as with utility companies, retailers, banks, credit card companies, and other lenders. The Inquiries section is a list of anyone who may have asked to view your credit report. Inquiries are usually divided into two separate sections, hard and soft.
Most of this information is simple to understand. It’s when you start to read the Credit History information that you may wind up with a headache! You’ll see the following entries for each account that you may have:
The date that you opened the account What type of credit (department store, car loan, student loan) Whose name the account is in Loan amount or credit limit The total amount you owe on the account The minimum monthly payment or fixed payment amount Whether the account is open, closed, inactive, or paid Your payment history – late, always on time, etc
Now comes the part that makes most people feel like screaming – all those codes! But, you’ll never have to wonder what they mean again.
J – Joint
I – Individual
U – Undesignated
A – Authorized User
T – Terminated
M – Maker
C – Co-signor
B – On behalf of someone else
S – Shared
O – Open – the entire balance is due monthly
R – Revolving – Each month’s payment amount can be different
I – Installment – The same amount is due each month
0- Approved account, but not yet used
1 – Paid as per agreement
2 – 30 days or more past due
3 – 60 days or more past due
4 – 90 days or more past due
5 – 120 days past due or sent for collection
7 – Making payments as per a special arrangement
8 – Repossession
9 – Charged off
Once you know how to read a credit report, it is simple to check it for mistakes in order to keep your credit standing in good shape.
Kristin
Do online background check companies have my credit information?
Wilson M asked:
Hello,
Hello,
I see that there is a sea of online companies that offer a full and extensive range of background check services, however I was wondering do they also have access to my credit information (i.e. they can provide my credit report or FICO score or social security number)? With identity theft on the rise, I would hate to think that any of these online companies may have any access to my personal credit information.
Yet I do know that some employers do a credit report check on potential employees, yet I would guess that they would have to pull my credit report separately and not rely on a background check company to provide this information?
Wilson
Thank you Amazon and Jethro, I greatly appreciate your answers to my question.
REUBEN
Where Can I Get My Free Credit Report and Other Questions Answered
Steve Evans asked:
et your free online Experian Credit Report at the FreeCreditReport web site when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you on-line, in no time at all, once your identity has been confirmed.
Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.
Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
You should do this to take the guesswork out of what/\’s happening with your credit.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.
In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.
Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?
Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.
What is a free credit report?
The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.
It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.
Am I entitled for a free credit report?
I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.
This is very useful especially if you have been denied credit on the basis of information in a credit report.
Who is eligible?
I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.
Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to tailor their advice to your situation accordingly.
LAVERN
et your free online Experian Credit Report at the FreeCreditReport web site when you sign up for a free trial of Triple AdvantageSM Credit Monitoring. Simply fill out your information for identification purposes, answer a few questions and your credit report will be available to you on-line, in no time at all, once your identity has been confirmed.
Your Username and Password will enable you to view your credit report on some of these services for 30 days over the Internet in the most secure environment that they can provide. You will also have access to an array of benefits located in services like – My Credit Center.
Getting your free Credit Report and Credit Score is the first step in knowing your credit. Monitoring your credit report allows you to stay on top of your credit on a daily basis.
You should do this to take the guesswork out of what/\’s happening with your credit.
Your credit is one of your most important assets. Having good credit means you should have more options to borrow money at the lowest cost and from the best lenders. It also means that others who look at your credit such as landlords, insurance companies, or even prospective employers re less likely to turn you away or penalize you because you have poor credit.
Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse/\’s name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.
Creditreport.imess.net is worth a try. Many people say they have used it to monitor their credit and some have said that they also cleaned off some bad items from their credit report. You can apply for a free initial plan and get your scores and reports for free.
In all your thoughts about credit reporting do keep in mind there are 3 reporting agencies. If you keep track of when you pull each of the three then you can spread it out to one every 4 months. That would be ideal if you could do that.
Freecreditreport.com, Experian, Transunion, Equifax are all in it to make some money from providing these reports. So many people are asking where they can get a genuine free credit report without having to give up my credit card information and sign up for some monthly membership or a dumb “identity theft monitoring alert” service?
Unfortunately, in order to get your credit report a lot of the websites ask for your credit card information. They do that so when you sign up for a free trial if you don/\’t cancel within that time they can charge your account. Myfico.com is one of the best ones out there. I understand that users have reported that they signed up for there free 30 day trial and also cancelled it before the 30 days was up and indeed didn/\’t get charged anything.
What is a free credit report?
The answer lies in the last three words of your question and is self-explanatory. A free credit report is when a credit bureau provides an individual a copy of their credit report without a charge.
It/\’s exactly what it says it is. A free credit report.. in other words, you don/\’t have to pay for it.
Am I entitled for a free credit report?
I am not sure whether this is correct, but I have been told that residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont are entitled under state law to one free report per year from a credit reporting agency. If you are a resident of Georgia, you are even entitled to more reports at two each year.
This is very useful especially if you have been denied credit on the basis of information in a credit report.
Who is eligible?
I am not a legal expert but I did find a statement on the web that said that based on the Fair Credit Reporting Act, sections 612 (b), (c), and (d), you are entitled to one free credit report per year directly from a credit reporting agency only if you certify that you are unemployed and seeking employment in the next 60 days, you are receiving public assistance, or you believe there are inaccuracies in your report due to fraud or have been denied credit because of information on your credit report. To get your free credit report, go directly to a credit reporting bureau and have proof of the criteria that entitles you to receive your free credit report.
Information here should not be construed as advice and it is offered without legal responsibility or liability. It must be emphasised that you should consult a professionally qualified individual or company (such as an accountant, financial adviser or solicitor for example) should you need advice on your financial situation, as they will be able to tailor their advice to your situation accordingly.
LAVERN
Can I sue for wrong information on my credit report? pleease help?
shortbaby189 asked:
i have a huge mess with my credit report. Let me begin my explaining the situation. Im a twin and my sister and i have exactly the same personal information with the exception of the last 2 numbers of our social security number and ONe letter difference in our entire name.. mine is iris and hers is ivis. no middle name and same last name, same date of birth same everything.
I noticed there was a problem with my credit when i started having trouble getting a car loan approved this year. when the sales man printed a copy of my report i noticed that all of my sisters credit history and mine were all on ONE report as if we were just one person. Ive been having a lot of trouble with getting approved for loans and i tried fixing it through the credit unions. Its been a year and i havnt seen any progress.
when i was approved for a car loan i was given a super jhigh interest rate and i dont think its fair. It also says my birth year is 85 when its actually 87. Can I sue? What do i do?
I live in Florida… in case that changes anything.
RICK
i have a huge mess with my credit report. Let me begin my explaining the situation. Im a twin and my sister and i have exactly the same personal information with the exception of the last 2 numbers of our social security number and ONe letter difference in our entire name.. mine is iris and hers is ivis. no middle name and same last name, same date of birth same everything.
I noticed there was a problem with my credit when i started having trouble getting a car loan approved this year. when the sales man printed a copy of my report i noticed that all of my sisters credit history and mine were all on ONE report as if we were just one person. Ive been having a lot of trouble with getting approved for loans and i tried fixing it through the credit unions. Its been a year and i havnt seen any progress.
when i was approved for a car loan i was given a super jhigh interest rate and i dont think its fair. It also says my birth year is 85 when its actually 87. Can I sue? What do i do?
I live in Florida… in case that changes anything.
RICK