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First off, never ignore a letter from a debt collector saying you owe money. Take a look at it and see who it is from and who it says you owe money to…The letter may say that you owe money […]

Debt relief and debt settlement companies seek out consumers with a lot of debt and make offers of help to get them out from under the debt. The way it often starts out is after consumers get turned down for […]

Stealing a social security number (ssn) is a a very serious crime and it is form of identity theft. When it happens, victims of this crime may think that the best solution is to get a new ssn and they […]

Information on your credit report is provided to the credit reporting agencies (TransUnion, Equifax and Experian) (CRAs) by Furnishers. Furnishers can be public records sources, creditors, collections agencies, landlords and lenders such as banks. Reporting of information about you by […]

Have you ever noticed at the end of your credit report there is an inquiry section? Under this section, and according to the Fair Credit Reporting Act, Experian, Equifax and TransUnion may furnish your credit report to third parties under […]

Tips For Creating Secure Passwords: Use long passwords-the more characters you use, the harder it is for hackers to crack your passwords; Make your passwords easy to remember-consider stringing to gather a few random words; But do not make them […]

Phishing is an attempt to get people to divulge sensitive information such as Social Security numbers, passwords, usernames, or to transfer money to the scammer through a variety of methods. It is usually done through email but more and more […]

The Fair Debt Collection Practices Act, a federal law, prohibits debt collectors from doing the following: Calling you between the hours of 9 p.m. and 8 a.m.; Contacting you at work if you indicated verbally or in writing that your […]

Very important to check your credit report for errors. At annualcreditreport.com you can get a free credit report from Experian, Equifax and TransUnion once every 12 months. If you find errors, the next step is to send by certified mail […]

The Federal Trade Commission (FTC) recently reported that scammers claiming to be from the Social Security Administration (SSA) are calling people and saying that their Social Security Number (SSN)  has been suspended due to suspicious activity or from being involved […]