the recent failure of indymac bank has brought attention to just what “fdic insured” means. the federal deposit insurance protects the first $100,000 of deposits that you may have in a bank. anything beyond that and, if your bank fails, it’s a loss. in the case of indymac customers, about 5% of the total deposits were uninsured. while i would suggest that people make sure their funds are fdic insured, the following article caught my eye….
i have a pet peeve with banks - i find it disturbing to be called at home by someone purporting to be from my bank, who asks me about my accounts and charges on those accounts. my normal reaction is to give them absolutely no information and to request a name and phone number from them. it may seem somewhat paranoid, but with identity theft a very real issue, it’s the safest way.
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I just received the following email. Looks very authentic…I guess. Might fool someone. Don’t let that someone be YOU.
Continue Reading... Email Scam Alert!
Imposter sites plague free credit report site
A Web site created by federal mandate last year to help consumers spot identity theft is opening up new avenues for fraud, according to a privacy watchdog group.
The site, AnnualCreditReport.com, offers consumers free copies of their own credit reports. It was launched in December by Equifax, Experian and TransUnion, the three major credit reporting agencies in the United States, in accordance with the Fair and Accurate Credit Transactions Act of 2003. The federal law aims to quell growing concerns over privacy and disclosure of sensitive financial data.
Continue Reading... Beware: Free Credit Report Site Hoaxes
yet another nigerian letter, promising to give me millions. i’m really only posting this because it makes me chuckle and it’s been awhile since i got one of these emails. but just in case you might be fooled, it’s a scam!
Continue Reading... LOL, scam :)
I am trying to buy a house and I have a bankruptcy and an item in collections. Is it possible to clear that up?
Continue Reading... FAQ: Clearing Report of Bankruptcies and Collection Items
What should a bankruptcy look like on a credit report? I have some entries, which show as “included in a bankruptcy”, and others, which were also included in the bankruptcy, that show notations for 30/60/90 days late and account balances.
Continue Reading... FAQ: Credit Reports and Bankruptcies
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Innovis: The "New" Credit Reporting Agency by arin721
Sample Letters - Quick Links by arin721
Resources for Identity Theft - Quick Links by arin721
Resources for Credit Repair and Credit Scores - Quick Links by arin721
Credit Scores - Quick Links by arin721
It’s that time again. This year I’ve got a whole long list of resolutions. That’s right. New years is just two days away. I’ve got my list. Do you have yours? If you are like more than half of all American’s the answer is no.
Eight years ago I moved to Salt Lake with very little. My son, my computer and my car. The rest of what I had fit in my car. Clothing. Nothing else. That was it. Six months later we still hadn’t accumulated much more. So it was a devastating loss when the car broke down that last time. With no money to fix it I had to let it go. My only option was public transportation.
You know you’re in trouble when you turn on the cold water faucet and what comes out is hot water for the first three or four minutes. Its supposed to be 102F here today. That’s pretty hot. And I have two cats. Complete with fur. How do they stay cool in the summer? We always hear how someone left a dog in a car and they had a heat stroke but what about our cats?
What do beans and left over salad have in common? Both can be tossed into a burrito for a cheap, filling meal.
Plasma donation. I does it.
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