FTC Disposal Rule: Does it Apply to You?

The goal of the Disposal Rule is to reduce identity theft and other fraud through greater protection of consumer information. The rule applies to consumer reporting agencies like credit bureaus, employment or tenant screening companies, as well as companies that compile information and sell reports on medical history, check writing history and insurance claims. Significantly, the Disposal Rule also applies to any business that uses such reports.

Shred It, Don't Forget It!

With tax season ending, do you ever wonder what to do with your personal and financial records? Which ones do you need to save for tax or other purposes? While some people like to save things forever, others want to immediately toss out unnecessary clutter.

So what's the best way to decide whether to save or discard your records? Here are a few tips and information sources to help you decide which records you need to save, and how long you need to keep them.

Disasters and Your Privacy

Nobody likes to think about the possibility of a natural disaster or a terrorist act.   But as victims of natural disasters such as Hurricane Katrina can attest, it’s important to prepare for a disaster before it happens.  Certainly, your first concerns in an emergency should be your safety and basic needs such as shelter, food and water.  While there are many resources that can assist you with those concerns, this alert will focus on protecting your privacy and personal information during and after a disaster.

It’s important to realize that different types of disasters are likely to result in different consequences.  You may be asked to shelter in place, to evacuate to a facility in your own community, or possibly to relocate to a far-off location in another state.  Or you may choose to stay with a relative or friend.  Likewise, you may be able to return to your home after a short while, or there may be an extended period of absence.  In the worst case, your home and its contents may be completely destroyed.

The New Year’s Biggest Privacy Risks

Many Americans are wrapping up a holiday season filled with online shopping, Facebook status updates, and gifts of smartphones and eBook readers. Now that the New Year is upon us, Privacy Rights Clearinghouse is urging Americans to pay attention to the privacy risks that accompany these trending technologies.

Our Top 5 Privacy Tips for National Consumer Protection Week

March 6-12 is the 13th annual National Consumer Protection Week! To celebrate, Privacy Rights Clearinghouse is joining forces with government agencies and nonprofits to education consumers on important privacy issues. This year, we’re highlighting our top five privacy tips from our most popular fact sheets. Please join us! Participate in National Consumer Protection Week by sharing these tips with your friends and family. Together, we can empower consumers and protect privacy.

Summer Vacation: 6 Tips to Protect Your Privacy

For thousands of families across America, summer vacation is right around the corner. And thieves know it. According to the FBI, crime rates rise about 10% during summer months. The Privacy Rights Clearinghouse urges you to stay safe by following these six privacy tips.

A New Year for Privacy: The PRC Launches Online Complaint Center

The Privacy Rights Clearinghouse (PRC) is proud to announce the launch of an interactive online complaint center designed to serve as a clearinghouse for consumer privacy complaints.  This builds upon our 19-year history of troubleshooting consumers’ complaints and questions regarding a wide variety of information privacy issues, including background checks, debt collection, data breaches, financial information, and online data brokers. The PRC's staff will review and respond to every complaint, providing individuals with information and strategies to address their problem.

Spring Cleaning Tips to Keep Personal Data Safe

Planning to spring clean your home or office? One of the biggest parts of spring cleaning is getting rid of clutter you no longer need. In the past, this meant tossing junk like a broken typewriter or planning a garage sale to recoup a few bucks for an old television. But in today's digital age, the adage "when in doubt, toss it out" could actually put you in harm's way. Identity thieves make a career seeking out discarded sensitive documents or digital devices loaded with personal data.

Lessons from Sandy: Preparing for the Worst

Hurricane Sandy hit the northeastern United States in late October leaving thousands of Americans without homes and millions without power. How many of those affected had disaster plans in place? How effective were those plans once executed?

With every natural disaster, we are reminded how important it is to have a plan in place. Good plans require a number of worthy considerations, including having a disaster kit and an evacuation plan. As privacy advocates, we have a narrower focus when it comes to disaster preparedness: control of your personal information.

In August 2010, we published a list of disaster preparedness tips. As America recovers from the devastation caused by superstorm Sandy, we thought now would be a good time to review and update those tips. 

Top 10 Tips to Protect Your Privacy

The Privacy Rights Clearinghouse (PRC) recommends the following 10 tips to protect your privacy.

1. Monitor your credit report – look for errors and fraud. You have the right to one free credit report per year from each of the three credit bureaus: Equifax, Experian, and TransUnion. Order one report every four months so that you can monitor your credit reports on an ongoing basis. Learn more by reading PRC's Fact Sheet 6.

2. Reduce unwanted telemarketing phone calls. Register with the National Do Not Call Registry. If you receive a call from a company with which you do business, ask to be placed on its internal "Do Not Call List." Learn more by reading PRC's Fact Sheet 5.

3. Protect the personal information on your smartphone. Smartphone users are 33% more likely to become a victim of identity theft than non-users. Password-protect your smartphone and use the security lockout feature so that the phone automatically locks after a certain amount of time not in use. Learn more by reading PRC's Fact Sheet 2b.


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