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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 Videos
Viera Florida Bankruptcy and Foreclosure Defense Attorneys, Melbourne, Palm B...
by bowinlaw
28 Jan 2012 at 10:06am
Viera Florida Bankruptcy and Foreclosure Defense Attorneys, Melbourne, Palm Bay, Merritt Island
If you live in Viera, Melbourne, Palm Bay, Cocoa or Merritt Island and wish to speak with a local bankruptcy or foreclosure defense attorney, call our office to schedule a free consultation. Our Foreclosure and Bankruptcy Attorneys can advise you on many different debt relief options, including Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure Defense, Strategic Default, Mortgage Modification and Short-Sale. Together, we will determine which debt relief option is best for your family. Bowin Law Group - Brevard's Hometown Law Group. From: bowinlaw Views: 0 0 ratings Time: 00:31 More in Education
Viera Florida Foreclosure Attorney, Melbourne Foreclosure Attorney, Cocoa and...
by bowinlaw
28 Jan 2012 at 9:54am
Viera Florida Foreclosure Attorney, Melbourne Foreclosure Attorney, Cocoa and Rockledge
If you are looking for a Viera Florida Foreclosure Attorney to discuss ways to save your home, or ways to leave your home and eliminate your debt with the bank, call Bowin Law Group at 321-821-7440 for a free consultation. We will discuss mortgage modification, short-sale, foreclosure defense and strategic default. We serve all of Brevard County, including Melbourne, Cocoa, Rockledge, Palm Bay, Merritt Island, Titusville, Port Saint John and the beaches. From: bowinlaw Views: 0 0 ratings Time: 00:31 More in Education
Mortgage Paperwork 101
by DougsMortgage101
28 Jan 2012 at 9:53am
Mortgage Paperwork 101
This informational video discusses the topic of what basic paperwork is needed for a residential home mortgage application. With new rules and regulations being introduced, the process of applying for a mortgage is getting more difficult and complicated every day. In today's banking environment it's important for every prospective mortgage applicant to understand exactly how their information gets processed and why. Being prepared and organized with the right documents is the start to getting your application approved in a timely manner. Remember, an underwriter uses this paperwork to "paint" your personal financial picture and to assess whatever risk a bank might be taking if the application were to be approved. This video provides the basics of what an underwriter will ask for. Your personal circumstances will dictate what other paperwork might be required. Please consult a licensed mortgage professional for more information. From: DougsMortgage101 Views: 0 0 ratings Time: 02:35 More in Howto & Style
What is a short sale?
by MarisaC21Mission
28 Jan 2012 at 4:05am
What is a short sale?
For more info: www.c21shortsalexpert.com Marisa Lopez Raster is a real estate agent in north San Diego County and specializes in short sales, foreclosure investment, and mortgage advice. In this video Marisa goes in great detail to explain the process and definition of a short sale. This types of home buying can be tricky but also very advantageous to savvy buyers who know what to look for and what to look out for. Marisa is an experienced realtor and can help you buy a home or sell your home in the north San Diego county area. This video goes into great detail and is very specific. Contact 760-801-6714 marisac21mission@gmail.com To see other videos by Dr. Kelly, please visit his channel at: www.youtube.com From: MarisaC21Mission Views: 0 0 ratings Time: 05:54 More in Education
Different Types of Mortgage Loans
by MarisaC21Mission
28 Jan 2012 at 2:20am
Different Types of Mortgage Loans
For more info: www.c21shortsalexpert.com Marisa Lopez Raster is a real estate agent in north San Diego County and specializes in short sales, foreclosure investment, and mortgage advice. In this video Marisa goes in great detail to explain the features, benefits, and drawbacks, of the three major types of real estate mortgage loans the VA, the FHA, and the Conventional Loan. Marisa is an experienced realtor and can help you buy a home or sell your home in the north San Diego county area. This video goes into great detail and is very specific. Contact: 760-801-6714 marisac21mission@gmail.com To see other videos by Dr. Kelly, please visit his channel at: www.youtube.com From: MarisaC21Mission Views: 0 0 ratings Time: 09:22 More in People & Blogs
Real Estate Advice from Marisa at Century 21
by MarisaC21Mission
28 Jan 2012 at 2:06am
Real Estate Advice from Marisa at Century 21
For more info: www.c21shortsalexpert.com Marisa Lopez Raster is a real estate agent in north San Diego County and specializes in short sales, foreclosure investment, and mortgage advice. In this video Marisa introduces herself along with her company- Century 21 real estate. Marisa is an experienced realtor and can help you buy a home or sell your home in the north San Diego county area. Contact 760-801-6714 marisac21mission@gmail.com To see other videos by Dr. Kelly, please visit his channel at: www.youtube.com From: MarisaC21Mission Views: 0 0 ratings Time: 02:47 More in People & Blogs
1-27-12update.1.mov
by FINANCIERSmortgage
28 Jan 2012 at 1:50am
1-27-12update.1.mov
This week we look at the BJ Indicator, the most accurate way to foretell what the rest of 2012 will be like and then we look at Mortgage Insurances. There have been a lot of changes in the last few years and the last few months. From: FINANCIERSmortgage Views: 1 0 ratings Time: 06:58 More in Education
Please tell banks to stop requiring late mortgage payments to qualify for a s...
by PMarron2012
27 Jan 2012 at 9:13pm
Please tell banks to stop requiring late mortgage payments to qualify for a short sale!
Plea to President Obama to ask banks to stop requiring homeowners to have delinquent mortgage payments before being considered for a short sale. Destroying homeowner credit and prolonging ability for homeowners to reenter home purchase market. From: PMarron2012 Views: 2 0 ratings Time: 00:41 More in News & Politics
Pay Off Your Mortgage And Get Out Of Debt Fast With Paxeon.com
by Paxeon
27 Jan 2012 at 6:53pm
Pay Off Your Mortgage And Get Out Of Debt Fast With Paxeon.com
If you are looking for the fastest way to pay off debt, including your mortgage, without changing your lifestyle, you are in the right place. The Paxeon system combines financial techniques used by fortune 500 companies with highly advanced software. This powerful system is extremely simple to use and allows our average client to save over $200000 in interest and pay off all of their debt, including their mortgage in only 5 to 12 years...all without increasing their monthly payments. Receive your free, instant analysis by visiting us today at www.Paxeon.com and find out what you've been missing. From: Paxeon Views: 2 0 ratings Time: 05:54 More in Howto & Style
Claudia Gravelle's Mortgage Update
by dmgloanagent
27 Jan 2012 at 6:47pm
Claudia Gravelle's Mortgage Update
Claudia Gravelle of Diversified Mortgage Group talks to her clients about today's mortgage market. Program date 1/27/2012 From: dmgloanagent Views: 0 0 ratings Time: 01:20 More in Education
Mortgage Market Update for 1-27-12
by waltbrewer2
27 Jan 2012 at 6:18pm
Mortgage Market Update for 1-27-12
Mortgage Market Update for 1-27-12 Where mortgage rates are and where they may be headed. NMLS 2297/265154 From: waltbrewer2 Views: 0 0 ratings Time: 01:08 More in Education
Steven Gerstein Benchmark Lending Certified Mortgage Planner Melville Long Is...
by realtboxcards
27 Jan 2012 at 5:48pm
Steven Gerstein Benchmark Lending Certified Mortgage Planner Melville Long Island New York
Steven Gerstein Benchmark Lending Certified Mortgage Planner Melville Long Island New York From: realtboxcards Views: 1 0 ratings Time: 00:58 More in Entertainment
HARP
by lance0879
27 Jan 2012 at 5:36pm
HARP
Mortgage Refi info From: lance0879 Views: 1 0 ratings Time: 04:29 More in Education
Two Minutes with Todd 1.27.12
by BookspanBakerTeam
27 Jan 2012 at 5:37pm
Two Minutes with Todd 1.27.12
HARP 2.0 for everyone? "Two Minutes with Todd" hosted by Todd Bookspan of The Bookspan Baker Team at Cobalt Mortgage. www.BookspanBaker.com 602-522-9494 From: BookspanBakerTeam Views: 0 0 ratings Time: 02:19 More in People & Blogs
HouseMortgageRates.org - Best Canada Mortgage Rates Checker
by entertaintv21
27 Jan 2012 at 5:30pm
HouseMortgageRates.org - Best Canada Mortgage Rates Checker
Visit www.housemortgagerates.org today! Browse your region and area to find the best mortgage rates. Use the best online mortgage calculators completely free, read leading advice and tips and get all the tools and info you need to find the best mortgage in Canada! Looking to buy a house in the United States? Visit http and use the resources and information to find the best mortgage rate possible. Canadian Provinces: Saskatchewan, New Brunswick, Manitoba, Northwest Territories, Nova Scotia, Newfoundland and Labrador, British Columbia, Ontario, Quebec. Prince Edward Island, Alberta Major Canadian Cities: Toronto, Montreal, Quebec City, Ottawa, Halifax, Fredericton, Winnipeg, Victoria, Charlottetown, Regina, Edmonton, St. John's, Ottawa, London, Ajax Video Keywords: house mortgage rates home interest loans lowest rate Canada Canadian calculator tips buying first time buyer real estate provincial province banks lenders From: entertaintv21 Views: 3 0 ratings Time: 00:18 More in Howto & Style
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Image Credit: NBC - Entertainment Weekly
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Fitch downgrades credit ratings of 5 eurozone nations, including Italy, Spain...
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