USE CAUTION – We’ve heard numerous reports of phone fraudsters claiming to be from Apple, the Geek Squad at Best Buy, and Amazon. The callers are very persuasive and tell a story about needing to get remote access to your computer in order to fix a ‘problem’. Hang up on them. Unless you have made the initial contact, never share your personal information with anyone or allow them access to your computer.
Be proactive on this one. Credit reports containing errors will cost you financially and personally.
Request reports annually
You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies – Equifax, Experian, and Transunion.
Space your requests in order to see updated information. For example, order your report from Transunion in February; your report from Experian in June and your report from Equifax in October. Repeat the following year.
Credit reports are free. Credit scores are not.
Order your credit report from www.annualcreditreport.com, the only authorized website for free credit reports, or call them at 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.
A credit report does not include your credit score. If you want your score included with your report, there is a charge. If you don’t want to pay extra, simply click cancel or no when you are prompted to buy.
Dispute incorrect entries
You must dispute the account with the listed lender and the credit reporting agency. To begin a dispute, notify the agency and the lender in writing. Keep a log of all actions taken and all responses received. Use the contact information below.
This year is an absolute bonanza for scam artists, with tax filing season happening while stimulus checks are flowing out to almost every American. There’s so much government paper flying around that it’s easy for them to snare a few (or a few thousand) unwary victims. Don’t be one! Continue reading →
If you’ve decided it’s time to welcome a new puppy or kitten into your home, you could fall victim to a pet scam. These usually happen online, where low prices will hide extra “fees” and expenses that will drive the price up, and the pet may not even exist. Continue reading →