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Atricle Dump - Jay, My Friend, Battles Id Theft And Protects His Credit
To define secured debt consolidation loan one can simply consider it as an effective method to bring relief from multiple debts hence bringing down the mental stress level, improve the financial conditions…… and there are many other advantages of a debt consolidation loan. As the loan type is secured you need to offer some collateral against the amount you borrow.The best part is that secured consolidation loans are easily available even to those people who suffer from bad credit history. There are a number of financial firms who offer these loans at considerably low interest rate. So, with all its benefits secured consolidation loans certainly suits the interest of borrowers of U.K. There are certain problems in financial world which needs to be sorted out at the earliest and multiple debts condition is one of them.Secured Consolidation Loan: Key FactsAs the name suggests, alike any other secured loan you will be asked for some collateral against the loan amount borrowed by you. The collateral can be in the form of home, stocks, bonds etc. Now, as there is a sense of security with the lender you can avail these loans at fairly cheaper rates. Secured consolidation loans are typically available at 10.9% APR. However, it can fluctuate between 7.9% APR variable to 19.9%
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy
These days, as we are more educated to the lending process, we find that lenders are not much more than glorified salespeople. Whereas loaning money was once a single-person or committee decision, it is now computerized and automated. Although human eyes will still scrutinize loan applications, those eyes get no opportunity to personally know you. To them, you’re nothing but a credit score with dollar signs.With that in mind, you should be on the defensive when dealing with mortgage companies at all phases of the application process.When you call or walk in to a mortgage company’s office, you see the friendly face of the loan officer. He or she will sweet-talk you until they’re your best friend. After all, he holds the keys to your home improvement loan or your children’s tuition.Behind the smiling face, however, is a much different picture. As with many sales-oriented organizations, loan officers have goals to achieve every month. Most are paid low base salaries, and their livelihood depends on how many dollars they can sell.Every day, loan officers are reminded of their goals. They have sales managers that are accountable for the dollar volume of the entire team. The sales managers breathe down the necks of the loan officers every day, trying to get them to se
Sipping a Cappuccino and taking notes about a good performing stock, I looked up at the sound of the door opening and closing and smiled at the sight of my friend Jay, a male real estate agent, one of the first friends in my circle to have an espresso maker at home back in the eighties. Of course the rage in Jay's place now is martinis, martini glasses and fancy smancy olives. About those martinis...last time over at his place he served me a lemongrass and ginger one and next came the chocolate one. Now those were enjoyable for novelty sake, but like I told Jay, I like my martini's straight up and stirred, no fancy flavored Vodka for me. He laughed and called me "James Bond."
I teased, "No it's 007."
Seeing Jay walk in wearing an all black shirt with silver martini glass style buttons I smiled, same old Jay. The Armani jeans also in black, said it all. I chuckled, "Who died?". In classic Jay style he took one look at my emblem-less gray sweatshirt and Costco purchased Kirkland jeans and answered, "Casual doesn't have to be boring and the me-to-ism look of yours, Stan has got to go. Costco brand jeans, you can do better, what happened to your classic 501's?"
"They're in the laundry bin."
"Well, that's better than saying, you're dog ate them."
I laughed.
Jay ordered a double espresso couple bags of espresso beans and took out a wad of cash. I couldn't help but notice how empty the slots of the wallet looked; the slots normally were maxed out with plastic.
Prying I said, "Where's the plastic? You're like the king of it."
Jay said, "I'm giving it a rest."
"You? I don't believe it. Confess up, you're budgetting. I mean finally budgetting. So you got sick of spending beyond your limit?"
"No. ID theft, someone nabbed me and tried to be me, but what lousy taste, man. They ranked up $10,000 at Kmart in Phoenix, $5000 on my credit card there too and a vacation at Holiday Inn in Tucson. Now if it was a quick trip to Rio or Paris or the Armani store, maybe. Seriously, no joking man, I got hit and I'm in real cleanup mode now."
"You're not alone Jay. I read in the New York Times how more than 27 million Americans have been victims of identity theft in the last five years. This is serious. What are doing to get out of this mess?"
I got an attorney who's handling things on the legal side of things proving I never lived in Arizona and it's not me and that's the scary thing they got a dummy address on me at some residential address in Phoenix and my social security number, that's what the guy used to get the cell phone and rank up a huge bill. Hiring a credit repair attorney to fix your credit report and deleting judgments from your credit file is a step in the right direction. There are some steps I'm doing too. No more using the credit cards frivolously, it's not happening. I'm using cash as much as I can and leaving the credit cards at home in a safe, unless it's absolutely necessary I won't touch them. I got a P.O. Box too, so no more residential mail. Did you know that's how they think my ID was nabbed? Imagine someone just cruising through my mail on a field trip. Yuck! What a violation. I've been having trouble sleeping over this too. It's not just the money, a part of me was stolen, and that's what gets me. How could someone consciously go around pretending to be me?"
"Jay, that's just it, they don't have a conscious."
"Yean, I guess you're right."
"Jay, what are some of these steps you're taking to protect yourself? My niece just got her first apartment, the post college job and all. I'd love to give her some sage Uncle sounding advice and keep her out of getting in a jam."
"Of course Stan. Here are some of things I'm doing to protect my financial records."
Instead of storing my credit cards in the wallet, I keep them in the safe at home. Signature on the back of the card is a must - This is something I never did. I figured I'd sign the charge slips and that'd be good enough. Wrong! Having my signature on the back of the card is further proof it's me ranking up some charge. A credit card is not a form of identification. While this may sound obvious, I flashed the plastic around like it was my driver's license. Big mistake.
Don't give credit card to anyone. I made this mistake too. I think you used my credit card a few times when I was out of party supplies and you ran to the store for a quick trip. Now, I just hand out cash if I'm in an entertaining pinch. When you are expecting a new or replacement card- keep a sharp eye on the mail. Carbon copies - Oh those are the worst. I bet that's how the guy nabbed me. So often I wouldn't pay attention to what happened to those. Now I destroy the carbon whenever I get one. When the charge is range - trible check to make sure the credit card is handed back and make sure it's yours.
Report all lost or stolen cards immediately. I was lax about this. One night I went out to dinner and realized my credit card didn't come back when I got home. Instead of calling the credit card company right away yand reported it missing, I went to bed. Big mistake.
PIN numbers - Don't carry them in your wallet or written on the back of your card. And about the naming of these - don't choose some obvious acronym with your name backwards. Pick something no one else will know, but which you will always be able to remember.
Important account numbers - Keep a list of these in a safe place along with all the customer service phone numbers and addresses too. When I saw the identity theft on my report it took me a while to find all the numbers I needed. Don't wait to be in a panic to have this kind of information readily available.
ATM, Gas stations - Never use the cell phone while you're making these transactions, like I used to do. You could end up leaving a valuable receipt with your private account information left in the open for all eyes to see. Pick up the receipts right away.
Use a shredder - I used to just toss old credit card statements and other documents with my financial information in the trash thinking no one is going to go through the trash. Wrong assumption. Now I shred all documents, which I don't need to save.
Guard your personal information. Don't reveal your social security or your residential address unless it is absolutely necessary.
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy m
We humans are a funny breed. We whine and complain about being lonely and neglected in this increasingly impersonal world. Yet we have insatiable cravings for automated, instant processes and services. We want what we want, when we want it, without having to talk to anyone or answer any questions. Right?Successful Internet business owners are perfectly aware of the paradox and have prospecting/selling systems that cleverly meld the need for both human interaction and automated function. No matter how automated your online business may be, adding that ounce of human touch is sure to increase sales and signups by huge margins.As much as we were hoping to be rid of it, the telephone just might be your best friend when it comes to building human relationships with prospects. That’s right. Just when you thought you had automated yourself past the need for a telephone, you find yourself needing it more than ever. The following 5 tips and power phrases will help you use the phone as nothing more than another tool for automating business. Do not use the phone to sell. Let the phone be your semi-automated income generator.1) Presenting Yourself on the Phone When approaching your prospect on the phone for the first time, they must immediately sense your positive
"You? I don't believe it. Confess up, you're budgetting. I mean finally budgetting. So you got sick of spending beyond your limit?"
"No. ID theft, someone nabbed me and tried to be me, but what lousy taste, man. They ranked up $10,000 at Kmart in Phoenix, $5000 on my credit card there too and a vacation at Holiday Inn in Tucson. Now if it was a quick trip to Rio or Paris or the Armani store, maybe. Seriously, no joking man, I got hit and I'm in real cleanup mode now."
"You're not alone Jay. I read in the New York Times how more than 27 million Americans have been victims of identity theft in the last five years. This is serious. What are doing to get out of this mess?"
I got an attorney who's handling things on the legal side of things proving I never lived in Arizona and it's not me and that's the scary thing they got a dummy address on me at some residential address in Phoenix and my social security number, that's what the guy used to get the cell phone and rank up a huge bill. Hiring a credit repair attorney to fix your credit report and deleting judgments from your credit file is a step in the right direction. There are some steps I'm doing too. No more using the credit cards frivolously, it's not happening. I'm using cash as much as I can and leaving the credit cards at home in a safe, unless it's absolutely necessary I won't touch them. I got a P.O. Box too, so no more residential mail. Did you know that's how they think my ID was nabbed? Imagine someone just cruising through my mail on a field trip. Yuck! What a violation. I've been having trouble sleeping over this too. It's not just the money, a part of me was stolen, and that's what gets me. How could someone consciously go around pretending to be me?"
"Jay, that's just it, they don't have a conscious."
"Yean, I guess you're right."
"Jay, what are some of these steps you're taking to protect yourself? My niece just got her first apartment, the post college job and all. I'd love to give her some sage Uncle sounding advice and keep her out of getting in a jam."
"Of course Stan. Here are some of things I'm doing to protect my financial records."
Instead of storing my credit cards in the wallet, I keep them in the safe at home. Signature on the back of the card is a must - This is something I never did. I figured I'd sign the charge slips and that'd be good enough. Wrong! Having my signature on the back of the card is further proof it's me ranking up some charge. A credit card is not a form of identification. While this may sound obvious, I flashed the plastic around like it was my driver's license. Big mistake.
Don't give credit card to anyone. I made this mistake too. I think you used my credit card a few times when I was out of party supplies and you ran to the store for a quick trip. Now, I just hand out cash if I'm in an entertaining pinch. When you are expecting a new or replacement card- keep a sharp eye on the mail. Carbon copies - Oh those are the worst. I bet that's how the guy nabbed me. So often I wouldn't pay attention to what happened to those. Now I destroy the carbon whenever I get one. When the charge is range - trible check to make sure the credit card is handed back and make sure it's yours.
Report all lost or stolen cards immediately. I was lax about this. One night I went out to dinner and realized my credit card didn't come back when I got home. Instead of calling the credit card company right away yand reported it missing, I went to bed. Big mistake.
PIN numbers - Don't carry them in your wallet or written on the back of your card. And about the naming of these - don't choose some obvious acronym with your name backwards. Pick something no one else will know, but which you will always be able to remember.
Important account numbers - Keep a list of these in a safe place along with all the customer service phone numbers and addresses too. When I saw the identity theft on my report it took me a while to find all the numbers I needed. Don't wait to be in a panic to have this kind of information readily available.
ATM, Gas stations - Never use the cell phone while you're making these transactions, like I used to do. You could end up leaving a valuable receipt with your private account information left in the open for all eyes to see. Pick up the receipts right away.
Use a shredder - I used to just toss old credit card statements and other documents with my financial information in the trash thinking no one is going to go through the trash. Wrong assumption. Now I shred all documents, which I don't need to save.
Guard your personal information. Don't reveal your social security or your residential address unless it is absolutely necessary.
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy
Buying commercial equipment is not like buying a home or car. When buying commercial equipment, you are investing in your livelihood. Even after finding the equipment you need your only halfway there. You will need financing. Thanks to the internet, this has never been easier. Many Finance and Leasing companies such as Prudential Leasing, Resource Diversified Services (RDS) and others have gone digital to reach out to businesses nationwide. These companies have given the small business a chance to compete in their industries. What I have found most valuable about this is how much money and time is saved by these companies providing all the information needed to their clients. Here is just an example of one:* New or Used Equipment - Heavy, Medium, and Light Duty* Titled or Non-Titled Equipment* Non-Recourse to the Dealer/Vendor* Application Only Programs* Competitive Rates* Special Finance Programs to people who have had credit programs* All Business, Medical, Trucking and Construction Equipment* Owner Operators OK, 2 years experience* Over the Road OK* Small Truck fleets OK, no minimum fleet sizeI found that there are usually three things you need to start the process to get approved:1. Credit Applicationyou know that's how they think my ID was nabbed? Imagine someone just cruising through my mail on a field trip. Yuck! What a violation. I've been having trouble sleeping over this too. It's not just the money, a part of me was stolen, and that's what gets me. How could someone consciously go around pretending to be me?"
"Jay, that's just it, they don't have a conscious."
"Yean, I guess you're right."
"Jay, what are some of these steps you're taking to protect yourself? My niece just got her first apartment, the post college job and all. I'd love to give her some sage Uncle sounding advice and keep her out of getting in a jam."
"Of course Stan. Here are some of things I'm doing to protect my financial records."
Instead of storing my credit cards in the wallet, I keep them in the safe at home. Signature on the back of the card is a must - This is something I never did. I figured I'd sign the charge slips and that'd be good enough. Wrong! Having my signature on the back of the card is further proof it's me ranking up some charge. A credit card is not a form of identification. While this may sound obvious, I flashed the plastic around like it was my driver's license. Big mistake.
Don't give credit card to anyone. I made this mistake too. I think you used my credit card a few times when I was out of party supplies and you ran to the store for a quick trip. Now, I just hand out cash if I'm in an entertaining pinch. When you are expecting a new or replacement card- keep a sharp eye on the mail. Carbon copies - Oh those are the worst. I bet that's how the guy nabbed me. So often I wouldn't pay attention to what happened to those. Now I destroy the carbon whenever I get one. When the charge is range - trible check to make sure the credit card is handed back and make sure it's yours.
Report all lost or stolen cards immediately. I was lax about this. One night I went out to dinner and realized my credit card didn't come back when I got home. Instead of calling the credit card company right away yand reported it missing, I went to bed. Big mistake.
PIN numbers - Don't carry them in your wallet or written on the back of your card. And about the naming of these - don't choose some obvious acronym with your name backwards. Pick something no one else will know, but which you will always be able to remember.
Important account numbers - Keep a list of these in a safe place along with all the customer service phone numbers and addresses too. When I saw the identity theft on my report it took me a while to find all the numbers I needed. Don't wait to be in a panic to have this kind of information readily available.
ATM, Gas stations - Never use the cell phone while you're making these transactions, like I used to do. You could end up leaving a valuable receipt with your private account information left in the open for all eyes to see. Pick up the receipts right away.
Use a shredder - I used to just toss old credit card statements and other documents with my financial information in the trash thinking no one is going to go through the trash. Wrong assumption. Now I shred all documents, which I don't need to save.
Guard your personal information. Don't reveal your social security or your residential address unless it is absolutely necessary.
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy
Today the internet has taken a firm place in our lives. We shop online, study online and many of us now work from home via the internet. Since its discovery in the early 1990’s, communication and access to information has vastly improved. We can chat online to people on the other side of the world, and email, once though impossible has made postal companies around the world nearly obsolete. These new industries and modes of communication have given rise to another crucial area that the internet has developed in, advertising and marketing.The internet has a firm hold in this area and will likely continue to grow. Today, it is almost unheard of to hear of a company, large or small that does not have a website. Internet marketing creates these pages as a way for everyone to be able to gain access to a company’s information and services.Many companies went over to internet marketing because of the costs. It was substantially less money to advertise via the web then on Television or radio. Many companies choose this option making internet marketing now highly competitive. When advertising your page on the internet, there are many things you need to consider. How are you going to attract people to you page when there are possibly, thousands of others out there offering the same thi
Report all lost or stolen cards immediately. I was lax about this. One night I went out to dinner and realized my credit card didn't come back when I got home. Instead of calling the credit card company right away yand reported it missing, I went to bed. Big mistake.
PIN numbers - Don't carry them in your wallet or written on the back of your card. And about the naming of these - don't choose some obvious acronym with your name backwards. Pick something no one else will know, but which you will always be able to remember.
Important account numbers - Keep a list of these in a safe place along with all the customer service phone numbers and addresses too. When I saw the identity theft on my report it took me a while to find all the numbers I needed. Don't wait to be in a panic to have this kind of information readily available.
ATM, Gas stations - Never use the cell phone while you're making these transactions, like I used to do. You could end up leaving a valuable receipt with your private account information left in the open for all eyes to see. Pick up the receipts right away.
Use a shredder - I used to just toss old credit card statements and other documents with my financial information in the trash thinking no one is going to go through the trash. Wrong assumption. Now I shred all documents, which I don't need to save.
Guard your personal information. Don't reveal your social security or your residential address unless it is absolutely necessary.
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy
Much has been written in the press about the Land Grab Law or L.R.A.U - Ley Reguladora de la Actividad Urban?stica, where people have fallen foul of the greed of developers who have abused this, well meaning regulation brought in by the Valencian government to provide low cost social housing and infrastructure improvements. Although introduced in 1994, it is only in the recent few years that unscrupulous developers have taken advantage of the complex wording of the L.R.A.U. and distorted its meaning to their own gains - to forcibly obtain land either without compensation or at well below market value prices and then inflict hugely inflated charges on innocent foreign country house owners for 'contributions to the improvement of infrastructure'.Only applicable to the Valencian Community, the L.R.A.U. has been a thorn in the side of many estate agencies trying to encourage investors to the area, as people have been falsely led to believe that all properties can be affected by this law. On the positive side, the risk of getting caught up in this law can be minimised in many ways. Using a solicitor specialised in this area can safeguard your investment and make the buying of a property in this region a safe investment. One must always seek legal advice befo
Credit bureau reports - Review them thoroughly instead of just filing them away. This is so important. Looking at these reports is how I found out I was a victim of identity threat.
"Jay, thanks I'll tell my niece these tips and get to work doing these things myself. Now what happens if you notice an error on your credit report?"
"Stan, these things happen more often than you think. But if you save your receipts and credit slips in a safe place and compare them against your monthly statements you'll be able to easily dispute the error with proof. When you see these errors write to your credit card company right away. The letter needs to list all the items you disagree with and the reasons you disagree. Request the listed items be investigated and state firmly "these inaccuracies are injurious to my credit rating".
"Jay, I bet you're reviewing your credit file all the time now."
"Of course, I'm become a great record keeper in the process. I had too. I have a file for each credit bureau now. They're not all jammed into one folder like I used to do. In each file I have copies of all the letters I've sent to the particular credit bureau. I also make a note whether the letter was mailed or faxed and keep all postal deliveries and fax reports for proof of delivery. Plus, all telephone conversations including the dates and names of people I talked to, and items we discussed are noted in the file folder.
I've also had to ask the credit-bureaus to reinvestigate things too. Having all my records handy makes it easy to explain what I need them to do and why. The re-investigation stuff is tricky. I've literally had to stare at an old report against a new credit report comparing item after item before I noticed a discrepancy. The items I've disputed should not appear on the new report and if they do there should be some notation. These notations might say something like "no response". This means the issue is still unresolved.
I've make a list of all disputed items, still unresolved and written additional letters to the credit bureau asking for reinvestigation. By this point I ask the credit bureau for information on the person who submitted the inaccurate information i.e. name, addresses, and phone numbers so I can follow-up on the inaccuracies myself. I've saved a copy of this letter in my file in case I need to forward a copy to someone else."
"Jay, what frustrates you the most about dealing with the credit bureaus?"
"Time. It takes them sometimes as long as four weeks to respond to my dispute letters. I understand it takes them a while to verify the disputed information but still if feels like it should move quicker. But the credit bureau representatives tell me they get frustrated too and that some subscribers do not respond to their requests. Sometimes these whys are all about time and lack of resources, but still when a smudge on your credit history like with my ID theft is hanging over your head it's infuriating that the process gets bogged down and moves sometimes slower than molasses dripping onto pancakes."
"Jay, is there any other red flag you jump at on your credit report that might be a sign of trouble."
"Unauthorized credit inquiries. If someone's checking up on me, I want to know why. This used to infuriate me. Now I have a fraud alert on my credit report file, which I had to request in writing, so this stuff doesn't happen. The way it works is all three major credit reporting agencies attach a fraud alert on my credit file. This is a very good thing. Now when someone else or even when I attempt to open a credit account the lender contacts me by phone to verify that I do in fact want to open up a new account. If they can't reach me the account isn't opened."
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