Stolen Identity

Seems like we can't get through a week without news that there's been yet another breach of our financial and personal data resulting in yet more ID theft. The latest breakdown was the admission by ChoicePoint, a huge data compiler--and seller of that data-that it had forked over info to ID thieves.

Congress is acting absolutely shocked about all of this,which is laughable given what a huge problem this has been for a very long time. (ID Theft has been the #1 consumer complaint at the FTC for the past few years) Yet only now that it seems some members of Congress have discovered their own data has been breached, does it become the cause du jour in Washington.

Look, I hope Washington does take a serious look at this issue and comes up with ways for consumers--you and me-to gain protections against all this freewheeling sharing and selling of our personal financial data.

But I ain't holding my breath. In the meantime, the best way to deal with the ID theft epidemic is to constantly check your credit reports to make sure there's no sketchy data showing up; that's a tipoff someone may have stolen your financial identifying info and is masquerading as you. A new federal regulation is being phased in throughout 2005 that will allow all of us to get a free credit report from each of the three main credit bureaus, once a year. Don't get all three at once; its smarter to get one report every four months. That way you're consistently checking up on your record.  Check to see if free credit reports are currently available in your state.

Comments

[Aly]

I found out my score and was shocked to say the least. Now my dreams of owning a new home are going to have to be put off for some time. What I can't get over is that I called TransUnion last year, asked them to clear off the charge-offs from my report that are from 6-8 years old and they still haven't done a thing!
What can I do to get the 3 credit bureaus to take off OLD charge-offs, etc. from more than 7 years ago?
Thanks in advance!

[Courtney]

I checked my score and I was a little surprised until I remembered that my student loans are part of my score and I am still in the grace period, but I did have a question that wasn't really answered in your book:

Does my FICO score improve with each on-time payment or does it take months of on-time payments to improve my score?

Thank you for your help.

[Monica]

I read in the YFB book that all states have statutes of limitations in collecting debts. Exactly what does that mean, and how do you enforce it?

Also, does the statute apply to the state you live in now or the state that you created the debt in?

if the statute of limitations is expired....does the credit bureau have to remove the debt from your credit report?

Thanks!

[Ian]

sue say's----take the 3 million and put it into aaa muni bonds. Forget all the fees for advisors and get $150,000.00 tax free. Woopee!!!!!!! what mushrom are you ingesting?????? Aloha from Maui

[Mounir FJ]

I have being buying cars on Ebay using my credit cards. I usually sell the car within a one month period and pay off all the balance right away. I was wondering whether this would effect my credit score in anyway.

Thank you for your help.

[jackie]

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