YouTube Video on Annual Credit Reports


We are excited to debut our latest YouTube video, Annual Credit Reports: Know Your Rights. The video demonstrates the importance of regularly checking your credit report.

The 4-minute film opens with 23-year-old Jenny saying goodbye to the car she had throughout high school and college. Buying a new car will be her first big purchase as an adult. Jenny does her research and settles on the perfect car for her, a "lil' beauty." However, Jenny is devastated to discover that her credit score is too low to qualify for the advertised interest rate. Jenny can't afford the car...

What could Jenny have done differently? Is there a happy ending in store for Jenny? Watch the video to find out. If you like it, we hope you will share it with friends and family.

How to Choose an Identity Theft Monitoring Service


If you’re thinking about purchasing identity theft monitoring services, there is now a “shopping guide” that will help you choose the best service for you. The Privacy Rights Clearinghouse (PRC) participated in a task force hosted by the Consumer Federation of America to develop a set of guidelines for the identity theft monitoring industry. Members of the task force, which included industry, consumer, and government representatives, researched the industry for 16 months and recently published Best Practices for Identity Theft Services (PDF). The report provides a blueprint for what identity theft monitoring services should be doing.

What You Should Know About Credit Repair Companies


If you’re losing sleep over bad credit, ads promising a quick fix can seem like a dream come true. But, hook up with the wrong company and your dreams of clean credit can quickly turn into a living nightmare.

While the economy has faltered in recent years, credit repair companies have flourished. As is often the case, hard times for consumers create opportunities for scammers. An unscrupulous credit repair company may collect upfront fees, may make you pay for things you can get for free or may even persuade you to break the law.

If you are knee-deep in debt and thinking about a credit repair service, read out guide to find out how to recognize a dishonest credit repair service.

Specialty Reports: What Have They Got on Me?


Most consumers know of their right to free annual credit reports from the three national credit bureaus (Experian, TransUnion and Equifax). But did you know that the same federal law that lets you see your credit reports entitles you to much more?he Fair Credit Reporting Act gives you the right to free copies of numerous so-called specialty consumer reports. These specialty reports provide information on such matters as your medical conditions, insurance claims, check writing history, rental history, and employment history.

New Look for Prescreened Credit and Insurance Offers


tarting August 1, 2005, unsolicited offers for credit or insurance that are based on information in your credit report should be easier to spot.

New regulations adopted by the Federal Trade Commission now require notices to prominently display the toll free number (1-888-5OPTOUT or 1-888-567-8688) to opt-out. Now, this number, along with a statement that you can stop the unsolicited offers, must appear - in at least 12-point type - on the first page of the offer.

FTC Sues Imposter Web Sites Offering "Free Credit Reports"


The FTC this week announced a lawsuit and simultaneous settlement with Consumerinfo.com, a subsidiary of the credit bureau Experian, and freecreditreport.com, companies that advertise free credit reports. The FTC charged the companies with "deceptive and misleading" claims.

Consumerinfo.com and freecreditreport.com advertised "free credit reports," but failed to inform consumers that they were automatically signing up for credit report monitoring services and would be charged $79.95 if they did not cancel within 30 days.

Call Don't Click Update: Still Be Smart about Ordering Federally Mandated Free Credit Reports


A new report issued today by the World Privacy Forum shows that many consumers may still be better off calling or mailing in for their federally mandated free credit reports instead of accessing the reports online. Although the official Annualcreditreport.com site has improved since its launch in December 2004, there are continuing hazards posed by imposter Web domains, some of which have been aggressively attempting to misdirect and in some cases deceive consumers.

Consumers in Midwest States Can Get Free Credit Reports Starting March 1, 2005


A new federal law, known as the Fair and Accurate Credit Transactions Act, or FACTA, adopted by Congress in 2003 gives consumers nationwide the right to receive a free copy of their credit report. The law is being phased in through the U.S. and Midwest states are next on the rollout list. The ability for consumers to get a free copy of their credit report annually started on the West Coast on December 1, 2004, and individuals living in the Midwest can start receiving their reports on March 1, 2005.

World Privacy Forum and Privacy Rights Clearinghouse Ask the FTC to Immediately Stop Credit Bureaus From Blocking Web Links to www.AnnualCreditReport.com


UPDATE: As of noon, February 28, the credit bureaus began to allow linking to the annualcreditreport.com site from other sites. To see what the previous non-linking "blacklisted" message looked like prior to the credit bureaus' change in policy, see  Figure 2 in the Call Don't Click report.

SAN DIEGO, CA -- The World Privacy Forum and the Privacy Rights Clearinghouse sent a letter to the Federal Trade Commission (FTC) today requesting the agency immediately take steps to protect consumers in advance of the March 1 rollout of free credit reports to Midwestern U.S. residents.

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