Consumer Rights

Experian is one of the three major credit bureaus that maintains a copy of your credit report. The company offers several different products for consumers, ranging from the purchase of an...

Telephone Computer Printer

The three major credit bureaus--Equifax, Experian and Trans Union--help bring financial responsibility to bear in the United States. These three agencies report payment histories for most American...

Counterfeit or fraudulent checks have become more prevalent than ever with the aid of Internet scams. Oftentimes, the first sign that a check is bad is the bad feeling you get when you pick it up....

Under the Fair Credit Billing Act, your credit-card charge liability is limited to $50 in cases of a legitimate billing error. As defined by federal law, billing errors can involve charges for...

Technology is wonderful. It makes our lives easier and allows us to complete tasks in record time. It also gives thieves another way to cause havoc and distress. Identity theft does more than cost...

If an individual neglects to pay a debt that he owes, his creditor has the option to file a lawsuit against him to collect the unpaid balance. Once a lawsuit is filed, the debtor is either mailed...

In 2008, victims of online fraud lost more than $264 million according to the Internet Crime Complaint Center. Email scams involving car shipping and similar check-related scams were among the top...

The Fair Credit Reporting Act (FCRA) allows Transunion, Equifax, and Experian to sell certain financial information to credit companies and insurers. They use this information to market credit...

Collection agencies are third-party organizations hired by companies to contact people who owe debts. Whether you have an outstanding debt that you know about but cannot pay or a company falsely...

Credit reports are an important part of financial integrity. Lenders and creditors evaluate credit and use it to determine whether to lend money, issue credit cards or allow home or car purchases....

When you are unemployed, the last thing you need is to feel like a hostage in your own home to the telephone and the dreaded debt collectors and collection agencies. While it is probably best to...

A large part of the population depends on Social Security and VA benefits. The Department of Veteran Affairs estimates that there are 23.8 million living veterans, and the Social Security...

Credit cards are one of the safest ways to make a sales transaction. Your card is protected against fraud by the Federal Trade Commission in a way that checks and cash are not. Credit card fraud...

Finding your car has been impounded is frustrating. To make matters worse, attempting to find and retrieve your car can be challenging in and of itself. The car may have been towed because you...

Any individual can opt to fire a lawyer. You can fire your lawyer for mismanaging your case, not returning your phone calls, or for any other reason you choose. Keep in mind, however, that...

You may opt to add a consumer statement to a credit report at any point in time. Consumer statements notify lenders of the circumstances surrounding certain items that may appear within your...

Let's face it, unless your last name is Hilton, Buffett, Walton, or Trump, you are experiencing a little of what all America is feeling in this recession. Almost all of us have been in a need of...

Identity theft happens when someone steals your financial records and other personal documents for their use. Identity theft can not only take thousands of dollars to fix but it makes it harder to...

Because identity theft is such a problem, the three major credit reporting agencies now allow anyone to freeze their credit, while in the past only identity theft victims could request a freeze....

A credit freeze, usually called a security freeze, gives consumers the option to lock access to their credit files. Most people do this to protect against criminals opening credit accounts using...

Beware of "Free Credit Report" offers coming from companies who offer to give your annual free credit report but take advantage of you by inserting monthly subscription fees into the...

Information and the access to information is increasing rapidly, which has many advantages to the consumer for use in obtaining new credit lines and other financial options. The disadvantages are...

Accurate reporting on your credit report is essential because banks and other lending institutions use it to gauge your loan worthiness. The information on your credit report could mean the...

Companies that sell acai berry pills make all sorts of health, detoxification and weight loss claims. Unfortunately, consumers who buy these acai berry products often discover that they do not...

Electronic fund transfer using a debit card relieves shoppers of the hassle of writing checks, carrying large amounts of cash and making frequent trips to the ATM. But when someone gets your...

Identity theft is a crime that can cost you thousands of dollars to recover from and take years to rectify. The sooner you start the process of preserving your identity, the quicker you can get to...

When you use a debit card to pay for a good or service, this is simply the electronic equivalent of writing a check or handing over cash--which is why debit cards are also called electronic fund...

Scenario: you order pizza and notice that on your receipt it says “NO CHECKS”. What the heck is that all about? You call the pizza joint and they tell you that at one point you wrote a bad check,...

Did you know that Identity Thefts are a very serious and increasingly prevalent non-violent crime in today's society? While Identity Thefts used to typically be associated with victims of...

GC service is a credit collection company notorious for its debt collection practices. Anyone who has seen the number 1-800-727-5848 on their caller id knows that it isn't always easy to stop debt...

Fraud alerts can be placed on credit reports to help protect consumers. Alerts are supposed to prevent identity thieves from establishing new credit. You can select an initial alert that is valid...

Even in today's tough economic times you will unfortunately find that customer service isn't what it used to be. The old adage "The customer is always right!" Has all but disappeared. I...

Let's face it - getting a collection letter in the mail is no fun! All kinds of emotions are attached to it. If you just forgot to pay a bill, you are mad at yourself. If you are having...

Nasty tangles with online acai berry detox sellers taught many online consumers that it's not always wise to listen to Oprah. In June 2009, the Texas Attorney General's Office settled with...

Identity theft occurs when someone steals your personal information for their own use. Thieves steal your identity by going through your trash and finding unopened, pre-approved credit card...

If you suffer from an injury or ailment that has left you unable to work, you may be eligible for federal long-term disability through the U.S. Social Security Administration. Provided you...

There are no restrictions on how much money you can send from Canada to the United States, but amounts over ten thousand dollars are regulated, and must be documented and reported.

Consumer debt in America in 2008 averaged just over $2.5 trillion, according to The Hoover Institution. Companies contract with collection services to recover debts and outstanding bills that have...

Identity theft is a crime that can have serious adverse affects on your life. An unscrupulous person can use your Social Security number to rack up debt in your name. Potential employers and...

Before buying a car in Florida, it is important to research the vehicle history. While most people concentrate on checking a vehicle's history for accidents, many forget to check whether or not...

It is hard enough to control your credit rating without the mountain of credit and insurance offers that clog up your mail box. I believe this puts you at risk for identity theft. I am always...

It can be very difficult to fix a problem on your credit card statement or credit report. Almost all Credit Cards are offered by Banks. The FDIC can protect consumers from Banks that ignore your...

Almost everyone has received pre-approved credit card offers through the mail at some point. Not only are these offers annoying, but upon reading the fine print you will discover that the...

Rates for cable and internet services are usually flexible, and you can save a lot of money if you know how to work the system. Cable providers are more willing than ever to renegotiate rates in...

Nothing is more disappointing than paying your hard-earned money for a product or service and not getting what you were promised or expected. You want to complain, but complain in a manner that...

It has been said that millions of people have or have had at least one inaccurate inquiry on their credit. This can effect credit in a negative way. It could cost you a chance of getting a home...

Placing an order for Endless Youth vitamins is often much simpler than canceling one. While it is easy to get frustrated with the cancellation process, be persistent and document all your actions....

You can affect your credit in both a positive and negative manor in a short period of time. The trick is knowing what to do and what not to do so that the impact starts to get rid of any bad...

This article will tell you about how to save money with everyday things.