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 April was Financial Literacy Month, so Data Facts has compiled a list of very important numbers and websites for consumers.
Ta-Da!
To obtain a credit report: www.annualcreditreport.com - This site allows you to request a free credit report from all 3 bureaus once every 12 months. Call 1-877-322-8228 to order the report by phone.
To get on the Do Not Call List: Call 888-382-1222 from the phone you wish to register, or go to www.donotcall.gov. Due to the Do Not Call Improvement Act of 2007, phones that are registered will remain on the list permanently (previously it expired after 5 years).
To opt out of mail solicitation and pre-screened offers:
Call 1-888-567-8688 or visit www.optoutprescreen.com. You are able to opt out electronically for 5 years. To opt out permanently, you will need to print out the form and mail it in.
For more numbers and websites to know, click here to go to our blog.
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Compliance Corner - FCRA Requirements
Federal Fair Credit Reporting Act (as amended by the Consumer Credit Reporting Act of 1996) Although the FCRA primarily regulates the operations of consumer reporting agencies, it also affects you as a user of information. - 604 Permissible Purposes of Reports
- 607 Compliance Procedures
- 610 Conditions and Form of Disclosure to Consumers
- 611 Procedure in Case of Disputed Accuracy
- 615 Requirement on users of consumer reports
- 616 Civil liability for willful noncompliance
- 617 Civil liability for negligent noncompliance
- 619 Obtaining information under false pretenses
- 620 Unauthorized Disclosure by Officers or Employees
- 621 Administrative Enforcement
- 623 Responsibilities of Furnishers of Information to Consumer Reporting Agencies
- 628 Disposal of Records
Each of these sections is of direct consequence to users who obtain reports on consumers. As directed by the law, credit reports may be issued only if they are to be used for extending credit, review or collection of an account, employment purposes, underwriting insurance or in connection with some other legitimate business transaction such as in investment, partnership, etc. It is imperative that you identify each request for a report to be used for employment purposes when such report is ordered. Additional state laws may also impact your usage of reports for employment purposes. Data Facts, Inc. strongly endorses the letter and spirit of the Federal Fair Credit Reporting Act. We believe that this law and similar state laws recognize and preserve the delicate balance between the rights of the consumer and the legitimate needs of commerce. In addition to the Federal Fair Credit Reporting Act, other federal and state laws addressing such topics as computer crime and unauthorized access to protected databases have also been enacted. As a prospective user of consumer reports, we expect that you and your staff will comply with all relevant federal statues and the statutes and regulation of the states in which you operate.
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Upcoming Webinars
Identity Theft: the Facts
Wed May 9 at 10 AM CST
Identity theft is one of the fastest growing crimes in the United States today, affecting 1 in every 20 Americans. Individuals spend an average of 30-60 hours handling various matters relating to identity theft. Learn how the thieves are stealing identities, tips to protect your identity, and the steps to take if you or someone you know has their identity stolen.
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Understanding Credit Scoring
Wed May 23 - 2:00 PM
Learn more about how credit scores are formulated, what they predict, and how they can be increased. Join us as we examine the factors that make up a credit score, common credit myths, and big credit mistakes.
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