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Sue Jackson, regional director for Manpower in Santa Rosa until she retired in September, was alarmed when Wells Fargo & Co. notified her last month of suspicious activity in her bank account. Worried that someone may have access to her financial information, she tried to contact the three national credit bureaus to check her credit history, which anyone who is a victim of identity theft is supposed to be able to get for free. It wasn't easy. ``The menu on the phone was very convoluted,'' Jackson said, adding that she could never figure out how to get to a live person. ``I've been in business a long time, and I know how to get around things. This just was not a real simple process.'' Ultimately, she paid $15 for one report and is still waiting for another. Meanwhile, she's been reassured by Wells Fargo that her account was not accessed by outsiders. The next time Jackson checks her credit history, she said she'll take advantage of a popular new program she just learned about -- one set up by the Federal Trade Commission to make the process much easier. ``We've filled millions of consumer requests for credit reports'' since the program began Dec. 1, said Clifton O'Neal, a spokesman for credit bureau TransUnion in Chicago. Credit reports tell such things as where you live, what bills you owe, whether you pay them on time and whether you've filed bankruptcy. The three major credit bureaus -- Equifax, Trans-Union and Experian -- sell this information to lenders, insurance companies, employers and others who use it to evaluate your creditworthiness when you apply to borrow money, buy insurance, rent an apartment or get a job. It used to be that people checked their credit reports just to be sure the information was correct. Now many, like Jackson, are motivated by fear of identity theft. They want to see if any unauthorized charges or someone else's troubled past is showing up on their report. Combating identity theft Identity theft occurs when someone uses your name, Social Security number, credit card number or other personal information to go shopping, withdraw money from your bank account, take out a mortgage using your good credit or a multitude of other frauds. More than 10 million U.S. adults were victims of identity theft in 2003, according to a recent Federal Trade Commission report. Recently, hundreds of thousands of people had their personal information stolen from ChoicePoint Inc. and LexisNexis, two of the nation's leading brokers of personal data. While revamping the federal fair credit laws in late 2003, Congress included a provision that entitles all Americans to one free credit report a year from each of the three major credit bureaus. To handle all of the requests, the Federal Trade Commission set up the Annual Credit Report Request Service in Atlanta. Consumers can contact the service by telephone, Internet or mail. Eligibility is being phased in, starting in the West. Beginning Dec. 1, free reports have been available to people in 13 Western states, including California. Midwestern states started March 1, Southern states begin June 1 and Eastern states begin Sept. 1. If you use the online service, your credit report will pop up within minutes on your screen. If you order a report by telephone, it's mailed within 15 days. Getting credit reports To get the report, you give your name, address, Social Security number and date of birth. Sometimes you'll be asked questions only you should be able to answer, like who your mortgage lender is. If you apply online, the credit bureaus will hit you with lots of optional offers that cost money -- for example, credit monitoring services, debt analysis and various ways you can get and track your credit score. When you get your free credit report, you will not get your credit score, a three-digit number that determines whether you qualify for credit and how much interest you'll have to pay to get it. The higher your credit score, the better credit risk lenders think you are. Depending on the credit bureau, you'll have to pay $5 to $15 to get your credit score, which is based mainly on your payment history but also considers such things as the amount of money you owe and whether you've been bankrupt. Different scores likely Don't be surprised if you find out you have different scores at different credit bureaus. That's the bureaus calculate scores differently. And don't be surprised if your score changes from day to day. That happens when something triggers a change. For example, if several businesses ask for information about you, that can reduce your score on the theory that you must be trying to expand your borrowing, credit bureau spokespeople said. The rumor that your own request for your credit history will reduce your credit score is completely untrue, they said. Requests by employers also do not affect your score. Caution: Don't answer any e-mails that claim to be from one of the three credit bureaus or the Annual Credit Report Request Service. Those companies will not e-mail you for personal information -- but some identity thieves might. When you get your report, study it carefully. It will list the details of the loans and other credit that you have. If you see any mistakes, write the credit bureau. It's supposed to investigate within 45 days and give you a written report of its findings. It also has to tell you who supplied the incorrect information. Other valuable tips: * Some counselors recommend you stagger your requests, contacting a different credit bureau every four months, to keep a rolling watch on your record. * Negative information can stay on your report only seven years, except for bankruptcies, which stay 10 years. * Employers and prospective employers can see your credit history only if you agree. * Wrong information must be removed or corrected. To protect your credit history, you can put a security alert or security freeze on your credit report by calling a credit bureau directly. An alert warns any business seeking information about you that someone may be using your identity illegally. A freeze prohibits the credit bureau from releasing any information to anyone without your permission.
YouTube :: Tag // mortgage
Videos tagged with mortgage
East 29th Street 14D
by rss@youtube.com (brokerism)
16 May 2008 at 9:15am
Convertible 2
Author: brokerism
Keywords: RealEstate Townhouse Studio Condo Coop Loft Lease Apartment Broker Mortgage Brownstone Open House CommercialProperty ad
Added: May 16, 2008
IFAtv News - May 16, 2008
by rss@youtube.com (StandardFinancial)
16 May 2008 at 8:14am
Who is to blame for the mortgage crisis? IFAtv asks advisers at the Financial Adviser Expo 2008 in Harrogate.
Author: StandardFinancial
Keywords: mortgage credit crunch crisis harrogate northern rock hsbc banks nicole herlihy financial adviser independent financial adviser survey confidence crisis
Added: May 16, 2008
Mortgage Magic TV Shows
by rss@youtube.com (RealtyTimes)
16 May 2008 at 7:52am
Did you know that Mortgage Magic hosts a TV show? In fact they host two! Want to learn how to capitalize on opportunities to enhance your financial position, or how to avoid costly financial pitfalls? Then tune into "Mortgage Magic". The show features guests from almost every aspect of the financial world and it's designed to provide viewers with "tips, tools and techniques" to develop and maintain financial health. Guests have included attorneys, architects, CPA's, title officers, realtors, lenders and many more, including the Santa Clara County Tax Assessor. Each guest provides valuable commercial-free information designed to educate, inform and protect viewers regarding financial decisions. For more valuable tips, tune in to "Every day Success with Doug Jones", which features guests who share their keys to success including financial. Visit our website at www.MortgageMagic.com for times and stations in your area. Also, coming soon, look for our shows on the web.
Author: RealtyTimes
Keywords: Real Estate Realty Times Agent Commercial TV Mortgage Magic
Added: May 16, 2008
Home Ownership Accelerator - Mortgage Magic
by rss@youtube.com (RealtyTimes)
16 May 2008 at 7:49am
If you could pay off your mortgage in HALF the time, save THOUSANDS in interest and build equity much FASTER, all with NO change to your current spending habits, you'd want to learn how, wouldn't you? This is accomplished through a simple method of combining your checking account, home loan and home equity line of credit into one master Loan Sweep Account. The account automatically applies all your deposits toward your mortgage balance each day, thus reducing interest, and you retain complete access to your funds just as with any checking account. These accounts allow homeowners to reduce debt more aggressively and your income effectively lowers your monthly balance, saving YOU interest. That saved interest then goes toward extra principal payments, further reducing your balance, and saving more interest. This compounds each month, saving years off your mortgage and thousands in interest. It's simple and effective. Visit www.MortgageMagic.com and view the short video for details.
Author: RealtyTimes
Keywords: Real Estate Realty Times Agent Mortgage Magic Home Ownership
Added: May 16, 2008
Foreclosure on the southside of ATL
by rss@youtube.com (jwbundy)
16 May 2008 at 7:06am
Here's another one. Skated this one for about 5 months. Capitalizing on foreclosures as a result of the mortgage meltdown.
Author: jwbundy
Keywords: backyard pool skateboarding
Added: May 16, 2008
Virginia Beach Investments
by rss@youtube.com (homecommandos)
16 May 2008 at 6:22am
Towne Bank in Virginia meets all your banking needs. Checking, ,savings, mortgages, investments, business loans, credit cards and retirement planning, and more! Visit us online at http://www.TowneBank.com
Author: homecommandos
Keywords: Virginia Beach Investments Mortgages Banking
Added: May 16, 2008
Mortgage Servicing FRAUD
by rss@youtube.com (Bunglbeez)
15 May 2008 at 11:48pm
The theft of the American Dream. For more information on Mortgage Servicing FRAUD, please visit http://www.msfraud.org These keys represent the future of the American Dream and the future of our children. These keys also symbolize the keys you hold to the prison cells; where those responsible for this nation's mortgage, financial, morality and economic crisis should be incarcerated for the rest of their natural lives. For more than a decade, the American people warned of this impending crisis, but the entire United States government and its judiciary; instead of acting in the best interest of the country, silently sat back and profited from the greed and corruption that eroded the centuries-old fabric painstakingly woven by our forefathers. Your solution to shore up the same entities that deliberately disassembled the moral and financial foundation of this once great nation while leaving its innocent victims destitute, insults the intelligence of the entire human race. You should be ashamed. Signed: Former American Future
Author: Bunglbeez
Keywords: Mortgage FRAUD
Added: May 15, 2008
Mortgage FRAUD
by rss@youtube.com (Bunglbeez)
15 May 2008 at 10:40pm
The Keys...
Author: Bunglbeez
Keywords: foreclosure
Added: May 15, 2008
Colorado Mortgage Lenders - 7 Questions They Hate!
by rss@youtube.com (pbmtgvid33)
15 May 2008 at 9:22pm
http://www.123mortgageadvice.com - 7 Questions Lenders Hate! Don't get a home loan until you watch this video by mortgage expert Dick Girard. It will teach you how to choose between colorado mortgage lenders and avoid scams.
Author: pbmtgvid33
Keywords: "Colorado Mortgage Lenders" Colorado Companies" "Denver Mortgage"
Added: May 15, 2008
Denver Mortgage Refinancing - Read This First
by rss@youtube.com (pbmtgvid33)
15 May 2008 at 8:58pm
http://www.123mortgageadvice.com - 5 Refinancing Mistakes to Avoid! Don't refinance your home loan until you watch this video by mortgage expert Dick Girard.
Author: pbmtgvid33
Keywords: "Denver" "mortgage refinancing" "refinance" "refi" "colorado"
Added: May 15, 2008
Real Estate Denver CO - 4 Mistakes to Avoid
by rss@youtube.com (pbmtgvid33)
15 May 2008 at 6:04pm
http://www.123mortgageadvice.com - 4 Hoem Buying Mistakes to Avoid! Don't buy or sell until you watch this video by mortgage expert Dick Girard.
Author: pbmtgvid33
Keywords: "Real Estate Denver CO" "Denver Colorado Real Estate"
Added: May 15, 2008
East 71st 9U
by rss@youtube.com (brokerism)
15 May 2008 at 5:04pm
Studio
Author: brokerism
Keywords: RealEstate Townhouse Studio Condo Coop Loft Lease Apartment Broker Mortgage Brownstone Open House CommercialProperty ad
Added: May 15, 2008
East 71st 11S
by rss@youtube.com (brokerism)
15 May 2008 at 5:00pm
1BR
Author: brokerism
Keywords: RealEstate Townhouse Studio Condo Coop Loft Lease Apartment Broker Mortgage Brownstone Open House CommercialProperty ad
Added: May 15, 2008
East 71st 17C
by rss@youtube.com (brokerism)
15 May 2008 at 4:55pm
1BR
Author: brokerism
Keywords: RealEstate Townhouse Studio Condo Coop Loft Lease Apartment Broker Mortgage Brownstone Open House CommercialProperty ad
Added: May 15, 2008
East 71st 17G
by rss@youtube.com (brokerism)
15 May 2008 at 4:49pm
1BR
Author: brokerism
Keywords: RealEstate Townhouse Studio Condo Coop Loft Lease Apartment Broker Mortgage Brownstone Open House CommercialProperty ad
Added: May 15, 2008
Books:
by Dave Ramsey
Amazon Price: $16.49
Customer Review: I've read quiet a few books on the subject of money, but Dave Ramsey has put them all to shame. He cuts through all the hype and lies that surround wealth and delivers a clear cut path to true financial peace. The "Money Myths vs. Facts" chapter chops down so many common misconceptions about money that it alone is worth more than the whole book.
Amazingly, when I picked my copy up, I was already living a debt free lifestyle. I had recently married and we bought a house together. Outside of our mortgage, we had zero debt, no credit cards, and $4,000 in savings. We thought we were doing pretty well, but this book showed us how we can change our lifestyle to not only increase our wealth, but avoid the potholes life may throw at us. Even though I started off debt free, this book was still priceless in guiding me towards a bright and peaceful future. Thanks Dave ;)
by Kevin Trudeau
Amazon Price: $17.13
Customer Review: Save your money. The only debt you will cure with this book is his! It was awful, as are his other books. I would rate them a negative star, however this is not an option.
by Roger Lowenstein
Amazon Price: $17.13
Customer Review: I love Roger Lowenstein's books. I have read both Buffett and When Genius Failed many times: they are interesting, informative, and insightful.
I had problem finishing up While America Aged. The book isn't particularly interesting, the information (such as GM's over generous pension system) widely known, and the message nothing new. This book is miles away from previous Lowenstein books.
by Joseph E. Stiglitz, Linda J. Bilmes
Amazon Price: $15.61
Customer Review: Just for some comparison, the most expensive war in history has been the War on Poverty. After 43 years and some 8 trillion spent, there is no exit strategy yet. Why no book or movie about this huge expense? I'm just asking.
by Dave Ramsey
Amazon Price: $10.88
Customer Review: This is an excellent product to help people with their finances and establish a budget. Dave Ramsey has a great plan to help people get out of debt and stay out of debt. This should be required reading for all young people entering adulthood.
by Dave Ramsey
Amazon Price: $12.23
Customer Review: Last year I started listening to him on xm rasio by mistake and it helped I have paid off most things the thing I have to do now is my hous. So now I will stay focused for the mark of the prize. He puts me back on track.
by Jerrold Mundis
Amazon Price: $9.60
Customer Review: This book is GREAT!! I personally LOVE the way it is written..with the wording as a "recovery program" would have...Reminding yourself everyday of certain things. Along with that, the principles make sense, and as the author says - they have worked for many others. I read a few of the "bad" reviews, and it seems those people have others who they follow for their advice. That's fine, but this book and this author work for me, and i enjoy the way it's written and the steps and beliefs. It's not an expensive book, so i say if you have debt problems, or spending problems, pick this book up and read it!
by Terry Goodkind
Amazon Price: $4.99
Customer Review: As a true fan of the Sword of Truth series, I enjoyed reading this prequel. However, you don't get a lot of reading material.....would I buy it over again, though....yes!
by Ellen Hodgson Brown
Amazon Price: $22.50
Customer Review: Best book on the subject of the Big Banks and FED's cabal against us!
Far superior to even Ed Griffin's Jekyll Island.
by Steve Economides, Annette Economides
Amazon Price: $10.36
Customer Review: Didn't really glean any advice for myself, but it was a quick interesting read and I think it would be helpful to inspire frugality in those who are just learning the skill.
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Credit Agricole Posts Drop in Net, Confirms Plans to Raise Capital - Wall Str...
Turkish Press
Credit Agricole Posts Drop in Net, Confirms Plans to Raise Capital
Wall Street Journal - May 15, 2008
By NICOLAS PARASIE PARIS -- Credit Agricole SA Thursday confirmed a 66% drop in first-quarter net profit and that it will launch a ?5.9 billion ($9.12 ...
C.Agricole plans rights issue, changes at Calyon guardian.co.uk
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Credit Suisse CEO cautious on outlook, sees opportunities - MarketWatch
Credit Suisse CEO cautious on outlook, sees opportunities
MarketWatch - 1 hour ago
"I am extremely optimistic about the opportunities ahead of Credit Suisse, even as I remain very cautious about the short-term environment," Credit Suisse ...
Freddie Mac 1Q loss $151M; says market/credit conditions 'remain ... - Forbes
Fresh News
Freddie Mac 1Q loss $151M; says market/credit conditions 'remain ...
Forbes, NY - May 14, 2008
The company said market and credit conditions 'remained challenging' during the latest period. 'This stress is particularly evident in our increased ...
Market and Economic Thoughts RightSide Advisors
Republican Senators Question Fannie Mae?s Capital Position Housing Wire
Freddie Mac loses $151M in 1Q, but beats expectations The Associated Press
Marketplace - Conde Nast Portfolio
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S&P places EDS ratings on credit watch - Hindu Business Line
S&P places EDS ratings on credit watch
Hindu Business Line, India - May 14, 2008
NEW DELHI: Global credit rating agency Standard & Poor's (S&P) Ratings Services on Wednesday said it has placed Electronic Data System's (EDS) ratings on ...
Pilgrim's Pride ratings affirmed with negative outlook - S&P Forbes
S&P cuts Pakistan rating on economics Daily Times
S&P raises Hanesbrands credit rating Triad Business Journal
all 258 news articles
McGrath RentCorp gets new $350M credit line - CNNMoney.com
Earthtimes (press release)
McGrath RentCorp gets new $350M credit line
CNNMoney.com - 23 hours ago
The new five-year credit line replaces the company's existing $190 million line of credit. McGrath RentCorp will use the new credit line for working capital ...
McGrath RentCorp announces new 5-yr $350 mln financing; plans up ... RTT News
all 22 news articles
S&P: Credit crisis bottoming out - Malaysia Star
S&P: Credit crisis bottoming out
Malaysia Star, Malaysia - 11 hours ago
KUALA LUMPUR: Standard & Poor's (S&P) sees the credit crisis in the US and globally bottoming out. The tightness in the credit market was going away, ...
4 arrested after takeover robbery of Berkeley credit union - San Francisco Ch...
4 arrested after takeover robbery of Berkeley credit union
San Francisco Chronicle, USA - May 15, 2008
(05-14) 15:25 PDT BERKELEY -- Four Oakland men are in custody after they allegedly stole $6000 in a takeover robbery of a Berkeley credit union and led ...
Robber targets Alameda credit union San Jose Mercury News
Police arrest four after Berkeley takeover robbery San Jose Mercury News
all 33 news articles
Commonwealth Bank Says Markets Hurt Funds; Credit Growth Strong - Bloomberg
Ninemsn
Commonwealth Bank Says Markets Hurt Funds; Credit Growth Strong
Bloomberg - May 14, 2008
By Stuart Kelly May 15 (Bloomberg) -- Commonwealth Bank of Australia said declining equities markets will cut profits of its wealth management business in ...
CBA hesitates over whether to enter St George tussle The Age
Commonwealth sees above system growth Brisbane Times
Commonwealth undecided on St George bid The Age
all 91 news articles
Scholes, Nobel Laureate, Says Credit Crisis May Not Be Over - Bloomberg
Scholes, Nobel Laureate, Says Credit Crisis May Not Be Over
Bloomberg - 6 hours ago
... of Platinum Grove Asset Management LP and 1997 winner of the Nobel Prize in economics, said the worst of the crisis in credit markets may not be over. ...
Fed auctions $7.2b in Treasurys to ease credit stress - The Associated Press
Fed auctions $7.2b in Treasurys to ease credit stress
The Associated Press - 16 hours ago
That could be viewed as a sign of some improvements in credit conditions. In exchange for the 28-day loan of Treasury securities, bidding firms can put up ...
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What Do You Know About Debt Consolidation Loans
by Alan
In essence, a debt consolidation loan rolls up all the borrowers existing debt payment into one loan. This enables the borrower to make only one monthly payment for all the debts. In most cases the monthly payment that a person makes on ...
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Fed's Direct Loans To Banks Climb To Record Level
by The Huffington Post News Editors
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Small Cash Loans
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