Access free credit report Salisbury

The increase in non-revolving debt was mostly federal government debt from student loans.   There was a slight increase in car borrowing, which increased from an annual rate of 11.41 million autos to 12.2 million. Read the rest of this entry access free credit report Salisbury The FBI Mortgage Fraud Report is conducted annually to better understand the threat posed by mortgage fraud crimes against the U.S.  This most recent access free credit report Salisbury report was based on 2010 information and released in 2011. The information was compiled from many sources including the FBI; federal, state and local law enforcement; mortgage industry; other government agencies such as Fannie Mae and Freddie Mac.

According to the FBI, “mortgage fraud is a material misstatement, misrepresentation, or omission relied on by an underwriter or lender to fund, purchase, or insure a loan. This type of fraud is usually defined as loan origination fraud. Mortgage fraud also includes schemes targeting access free credit report Salisbury consumers, such as foreclosure rescue, short sale, access free credit report Salisbury and loan modification.” Read the rest access free credit report Salisbury of this entry TransUnion, one of the three credit reporting agencies, received many access free credit report Salisbury phone calls in September from consumers regarding a fraud scam.  Its because of the volume of calls that TransUnion became aware of the scam. national free credit report  It involves text messages and voicemails informing credit card customers that their credit card has been deactivated and are instructed to call a number for more information.  When the number is called, a recorded message asks for the sixteen-digit credit card number plus more personal information. TransUnion wants to alert access free credit report Salisbury cell and smart phone users about this scam.

 It doesn’t matter what type of phone you have, which carrier you use, or what platform you are on, this scam can attack any of them. In July, a similar access free credit report Salisbury scam was reported by credit unions from around the country.  Credit union members received text messages from ”Credit Union Services” to call a number to have their card reactivated. There were several different phone numbers provided. If you get a voicemail or text like either of these, don’t call the number on the message. reporting credit card theft  Instead, call your credit card company using the number on the back of your credit card.  This is probably a scam. You should never respond to a request for your personal information on the internet or phone, unless you access free credit report Salisbury are certain of the source.  access free credit report Salisbury Financial institutions and credit card companies don’t ask for your personal information via the internet or phone, so don’t provide that information. If you initiated the call and trust the source, provide the information.

 If something doesn’t seem right, don’t give out any personal information. If you have given out your account information or received this scam message, you may want to get your credit report, place a fraud alert or credit freeze on your credit report.  To receive a free copy of your credit report go to www.annualcreditreport.com  and order a access free credit report Salisbury credit report from all three credit reporting agencies – Equifax, Experian and TransUnion.  Review your credit reports for any new accounts that have been opened that you didn’t approve. To  place a fraud alert or credit freeze access free credit report Salisbury on your credit report at each of the three credit reporting agencies, use the contact information below: Equifax: www.equifax.com or (800) 525-6285 or (888) 766-0008 Experian: www.experian.com or  (888) 397-3742 TransUnion: www.transunion.com  or (800) 680-7289 John Ulzheimer is access free credit report Salisbury the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a Contributor for the access free credit report Salisbury National Foundation for Credit Counseling.  He access free credit report Salisbury is an expert on credit reporting, credit scoring and identity theft. canada free credit report

Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry.  Follow him on Twitter here.