Start the new year off right!!!!! Get your credit right for 2016

saverFCRA Summary of Rights

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

Summary of Rights

The FCRA is a complex piece of legislation and contains numerous provisions not discussed on this page. Below are several important features of how the FCRA is designed to help consumers (for the complete text, visit the Federal Trade Commission). The FCRA protects you by requiring consumer reporting agencies:

Disclose your credit file to you upon request. Consumer reporting agencies must provide you the information in your file if you request it and provide the agency with proper identification. See “How do I get a free report? ” for more information.

Limit access to your information. A consumer reporting agency may not provide your credit report to any party that lacks a permissible purpose, such as the evaluation of an application for a loan, credit, service, or employment. Permissible purposes also include several business and legal uses. See “Who can access my Equifax credit file?” for more information.

Get your consent before providing your information to an employer. A consumer reporting agency may not provide your credit information to an employer or potential employer unless you first give that employer written permission to request your credit report.

Investigate disputed information. If you tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. If the investigation fails to resolve the dispute, you may add a statement to your credit file explaining the matter. For more information, see Correcting Errors in Your Report.

Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete from your credit file the information that is found to be inaccurate or can no longer be verified. The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

Delete outdated information. In general, negative information that is more than 7 years old (10 years for bankruptcies) must be removed from your file.

Remove your name from marketing lists upon request.Consumer reporting agencies can provide lists of consumer names and addresses whose credit information matches the requirements of creditors and insurers for making firm offers of credit or insurance to the consumers on the list. However, you can request that the three nationwide consumer reporting agencies not share your information with creditors and insurers for these purposes by calling 1-888-5-OPT OUT.

Disclose your credit score to you upon request. You have the right to request a credit score about you. For Equifax, the cost of your credit score disclosure is $7.95. In some mortgage transactions, you will get credit score information without charge by contacting the person making or arranging your loan for further information. To request your credit score from Equifax, please contact:

1-877-SCORE-11
Equifax Information Services LLC
PO Box 105252
Atlanta, GA 30348

Add identity theft and active duty alerts. Identity theft victims may place fraud alerts and active duty military personnel serving away from their regular duty station may place “active duty” alerts to help prevent identity theft. See “What is a Fraud Alert?” for more information.

Remedying the Effects of Identity Theft. If you are, or believe that you are, the victim of identity theft, you have specific rights under the FCRA. These rights will help you deal with the effects of identity theft. Click here to view a brief summary of the rightsdesigned to help you recover from identity theft.

https://help.equifax.com/app/answers/detail/a_id/36/~/fcra-summary-of-rights

NAACP President Falsely Portrays Herself As A Black Woman, Parents Expose Her Lies

What are your thoughts?

MAD NEWS UK

Fraud Friday!

Via Gawker

The city of Spokane, Washington has opened an investigation into whether Rachel Dolezal, the president of the local chapter of the NAACP (The National Association for the Advancement of Colored People), lied about her race when she identified herself as African-American on her application to serve on the citizen police ombudsman commission, thereby violating the city’s code of ethics.

In addition to serving as the chair of the police commission and president of the local NAACP chapter—which the Spokesman Review credits her with revitalizing—Dolezal works as an adjunct faculty member at Eastern Washington University. Here she is delivering a lecture on the cultural significance of black women’s hair.

However! Dolezal’s birth certificate lists her biological parents as Ruthanne and Lawrence Dolezal of Montana. On Thursday, Ruthanne and Lawrence confirmed to the Coeur d’Alene Pressthat Rachel is their biological daughter—and that they are both white.

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Missing what i never had..

daughterI miss this man, who I never really knew but i knew him all the same. He was a kind and gentle man, we shared the same DNA. He was the best guy ever in my mind, I called him Pop. He was my dad, Steven Finney. We where twins from different decades. He was born 12/12, I was born 11/11. He died in 2002, twelve years ago. I realized that I never mourned his death. There were times that I cried, but I never really allowed the feelings to really push though to the surface. I never really wanted any of my feelings to show. I wanted to keep them locked in the closet of my life, I was hoping I would never have to acknowledge these feelings. Yet, here they are 12 years later, full force around the holiday season. I guess it all started when I felt as if my mother didn’t want me. I felt as if she never wanted me, she never acts like she does.

I’m sure my mother has her own demons, that I know nothing about. However, the hurt that I feel is real; only God can heal the wounds of the soul. What she does not understand, is that her unemotional ways hurt. They hurt because, she has no idea how I feel and she never asks. I try to talk about it and she makes blanket statement about my feelings. Yeah, so I guess I have to figure this out for myself.

Back to my dad, he died, and he never even allowed me to say goodbye. He decided that he would hide from me until his death. I found out with a postcard on my front door informing me of his death. I mean yes, he went missing for months at a time, but now he was dead, and I only knew him for a few months. But, I do feel like I knew him more than I know my mother who is alive. That makes me really sad, I really wish he had not taken his last moments from me. He was all I had, and he didn’t even know it.

I remember being at his funeral, and thinking “dad you didn’t have to do it this way.” I was so hurt at the time, and apparently, I still am. I wish I would have gotten some of his ashes, he was cremated. I was young and didn’t know how important it was to have a memory of my father. Now, I wish I would have purchased a piece of him.

Being young, and without wise counsel, you have no idea the damage can do to yourself. Being lost, and afraid to reach out for help is a shame. Most people are better in the abstract, my life lesson. ©