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 The consumer reporting agency is not required to remove accurate data from your file unless it is outdated.

Delete outdated information.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

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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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Abusive Men: Top 10 Signs of an Abusive Man

men love and protectAbusive men are often survivors of abuse themselves. Signs of an abusive man can range from emotional, verbal, physical, or sexual abuse. Frequently an emotionally abusive man is also a verbally abusive man or a combination of all abuse types. A sign of an abusive man can usually be found after a few dates if you pay attention, ask a lot of questions and do some investigating into his past.

Abusive relationships are characterized by control games, violence, jealousy and withholding sex and emotional contact. An emotionally abusive man is harder to pin-point and a skilled, abusive man can easily make you think you aren’t good enough or that everything is your fault. According to an on-going abuse poll conducted by http://www.WomanSavers.com, http://www.womansavers.com/p_pollresults.asp?pID=5 of over 7,000 women over 56 percent had been sexually abused. It is just as difficult to recover from emotional abuse as it is from physical abuse. Emotional abuse causes low self-esteem and depression. An abusive man may tell you he loves you or that he will change, so you won’t leave. However, the more times you take him back, the more control he will gain. Empty promises become the norm. Make sure you pay attention to his actions and not merely his words. As the old saying goes, “actions speak louder than words.” Abusive relationships are never abusive in the beginning. If they were, women would dump the abusive men immediately in search of a good man.

According to the American Psychological Association Force on Violence and Family, over 4 million American women experience a serious assault by a partner each year! Who can forget when heavy-weight champ Mike Tyson was convicted of raping Desiree Washington and sentenced to six years in prison. Tyson served three years before being released on parole. Thereafter, he married Robin Givens but they divorced on Valentine’s Day only a year later because Givens claimed Tyson abused her. Abusive behavior touches all ranges of society.

We have broken down the top 10 signs of an abusive man. If your partner exhibits one or more of these signs, it may be time to reevaluate your relationship and seek help or get out.

1. Jealousy & Possessiveness – Becomes jealous over your family, friends, co-workers. Tries to isolate you. Views his woman and children as his property instead of as unique individuals. Accuses you of cheating or flirting with other men without cause. Always asks where you’ve been and with whom in an accusatory manner.
2. Control – He is overly demanding of your time and must be the center of your attention. He controls finances, the car, and the activities you partake in. Becomes angry if woman begins showing signs of independence or strength.
3. Superiority – He is always right, has to win or be in charge. He always justifies his actions so he can be “right” by blaming you or others. A verbally abusive man will talk down to you or call you names in order to make himself feel better. The goal of an abusive man is to make you feel weak so they can feel powerful. Abusers are frequently insecure and this power makes them feel better about themselves.
4. Manipulates – Tells you you’re crazy or stupid so the blame is turned on you. Tries to make you think that it’s your fault he is abusive. Says he can’t help being abusive so you feel sorry for him and you keep trying to “help” him. Tells others you are unstable.
5. Mood Swings – His mood switches from aggressive and abusive to apologetic and loving after the abuse has occurred.
6. Actions don’t match words – He breaks promises, says he loves you and then abuses you.
7. Punishes you – An emotionally abusive man may withhold sex, emotional intimacy, or plays the “silent game” as punishment when he doesn’t get his way. He verbally abuses you by frequently criticizing you.
8. Unwilling to seek help – An abusive man doesn’t think there is anything wrong with him so why should he seek help? Does not acknowledge his faults or blames it on his childhood or outside circumstances.
9. Disrespects women – Shows no respect towards his mother, sisters, or any women in his life. Thinks women are stupid and worthless.
10. Has a history of abusing women and/or animals or was abused himself – Batterers repeat their patterns and seek out women who are submissive and can be controlled. Abusive behavior can be a generational dysfunction and abused men have a great chance of becoming abusers. Men who abuse animals are much more likely to abuse women also.

If you continue to stay in an abusive relationship because you think he will change and start treating you well, think again. An abusive man does not change without long-term therapy. Group counseling sessions are particularly helpful in helping abusive men recognize their abusive patterns. Type A personality types seem to be more prone to abusive behavior due to their aggressive nature. Drugs and alcohol can create or further escalate an abusive relationship. Alcoholics Anonymous and Narcotics Anonymous are excellent programs for an addict. The abuser’s partner should also seek help for their codependent behavior at Codependents Anonymous.

If the abusive man is not willing to seek help, then you must take action by protecting yourself and any children involved by leaving. By staying in an abusive relationship you are condoning it. If you are scared you won’t be able to survive because of finances, pick up the phone book and start calling shelters. Try calling family, friends and associates and ask them if they can help or know of ways to help. Once you leave, the abuser may cry and beg for forgiveness but don’t go back until you have spoken to his counselor and he has completed long-term therapy successfully. Be prepared for the abuse to increase after you leave because the abuser has lost control. The Bureau of Justice Statistics states that on the average, more than three women are murdered by their husbands or boyfriends every day so please be careful. If you partner is not willing to seek help for his abusive behavior, your only option is to leave.

© Stephany Alexander, Online Dating & Infidelity Expert. All rights reserved.

Crocodile tears…ramblings

Melancholic-depressionHave you ever cried tears that felt as big as the world. I mean the kind of tears that seem to take up your whole face. As they roll down your face, your can feel a little bit of your soul leaving your body. I like to call those crocodile tears. I know everyone thinks it means that these tears are insincere and fake and maybe they are. But tonight my tears are real, tomorrow they may just be a memory, but tonight they invade my mind, my body and my soul. I am struggling with myself, my thoughts and my emotions. I can’t seem to “get right.” I will be fine and there is no one I want to tell my issues, I just want to let these tears pass.Even though these tears feel as if my soul is literaly leaving my body. I can’t seem to stop them from falling down my face. I am sitting here tonight thinking when is this going to be over. Not life it’s self, this moment. This is just something I have to get through to get to the other side. I am not miserable, I’m not sure if I am as sad as these tears make me feel. But what I do know is that tonight I won’t sleep well because my mind won’t turn off. I will not stop thinking. I’m just sharing my mind with the world tonight, I’m going to do some reading and go to bed. ©