Call Don't Click: Why It Is Smarter to Order a Federally Mandated Credit Report Via the Phone Instead of the Internet


new report issued today by Pam Dixon of the World Privacy Forum (www.worldprivacyforum.org) in advance of the March 1 rollout of free credit reports to Midwest residents, shows that consumers may be better off calling or mailing for their federally mandated free credit report instead of going online for it.

The ChoicePoint Data Security Breach (Feb. '05): What It Means for You


Data aggregators compile in-depth dossiers of personal information on almost everyone, even though many have never heard of them, have never had an account with them, nor have given them permission to obtain personal information. Until recently, many Americans had never heard of ChoicePoint, one of the largest data aggregators. But with recent information coming to light that identity thieves opened 50 accounts to access ChoicePoint’s databases of personal information, many people are just realizing that companies like ChoicePoint exist.

Request Disclosure of Information Sharing Under California's Shine the Light Act


On January 1, 2005, California's Shine the Light Act came into effect. For more information about the Act, see the PRC's press release at www.privacyrights.org/ar/SB27Release.htm. In essence, certain businesses must provide California residents with a way to find out what personal information has been shared and with whom within the twelve months prior to receiving your request for disclosure.

Comments to the Federal Trade Commission: Prerecorded Telemarketing Calls to Existing Business Customers (EBR)


For years intrusive, privacy invasive telemarketing calls have been a major source of consumer outrage.  Calls made by so-called “predictive” dialers -- automatic dialing that allows a telemarketer to call multiple households at one time -- have been a significant consumer complaint. Such calls are intrusive, invade the privacy of one’s home, and result in great annoyance when one races to answer the phone to find only dead air or a hang-up on the other end of the line. Predicative dialer calls are particularly troublesome and potentially dangerous for the elderly and the disabled.

Fair and Reasonable Fee for Credit Score Disclosure: Comments to Federal Trade Commission


For years lenders have relied on scoring models to evaluate risk in extending credit to individual consumers for a car loan, mortgage or credit card. Following the lead of states like California and Colorado, Congress amended the FCRA with the Fair and Accurate Credit Reporting Act of 2003, Pub. L. 108-159, (FACTA), and gave consumers the right to view their score as well as get an explanation of the factors that went into the score.

When consumer interests are factored in, the only fair and reasonable approach is for the Commission to set a fee limited to the actual cost of producing and delivering the score to consumers.

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