Being a victim of credit fraud is a stressful and extremely inconvenient experience. It feels very invasive to have your personal information available to strangers and subject to abuse. Credit reporting errors are one of the clear indicators that someone has or had access to your information and has potentially abused credit in your name….
For many people, their credit score is an important part of their life, and for others, they don’t realize how much a poor credit score can affect their daily lives. Sadly, any significant change in one’s credit score can have devastating consequences. Mistakes on a credit report could lead to denial of a loan, increased…
Medical identity theft occurs when people use your personal information to make unwarranted claims to Medicare or other health insurers. Left unchecked, medical identity theft can wreak havoc on your medical care, deplete taxpayer dollars, and hurt your credit. Sadly, medical identity theft has become one of the more common forms of identity theft, as…
Child identity theft? Yes, that can happen. Your child can have their identity stolen. We tend to think of identity theft as something that only happens to adults with something to lose, such as bank account numbers, credit card numbers, and other financial resources criminals would be after. However, your child’s identity is at risk…
It’s Emanwel Turnbull, attorney at the Holland Law Firm, P.C. – I’m writing this special blog post to tell you about my encounter with a little-known consumer reporting agency: Telecheck. If you’ve heard of Telecheck, you know it’s a service that scans and deposits checks for businesses. Some businesses that accept personal checks will scan…
Filing for bankruptcy is meant to provide a fresh start for people in a bad financial fix. It does so by wiping out debts and banning creditors from collecting them. But how does bankruptcy on a credit report affect your life? Bankruptcy on Credit Reports Bankruptcy on credit reports can show up in basically two…
One-third of Americans have discovered mistakes on their credit reports, according to a new Consumer Reports investigation. This figure is startling and alarming, especially considering how much a credit score can affect one’s quality of life. Credit report errors can have an immediate and devastating impact on people’s lives. Credit scores are used to determine…
Technology lets you have your social media, emails, and bank information right on your devices. Unfortunately, identity thieves can access this information online by watching you enter the information in public or accessing your mail with personal information. This information helps identity thieves make purchases on your credit card or withdraw cash from your bank…
If you have ever applied for a job outside of a family-run operation, chances are that you have had a background check run on you. Even though most Americans have had some type of experience with background checks, not many know exactly what kind of details background checks reveal about them, which is unsettling considering…
According to usa.gov, identity theft occurs when “someone steals your personal information to commit fraud.” The identity thief gets money using your identity. The crime leaves you with debt collectors calling and severe damage to your credit rating because numerous accounts have been opened in your name. Identity thieves never paid off the accounts, so…