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The Internet is an exciting tool that puts vast amounts of information at your fingertips. With the click of a mouse, you can buy airline tickets, use research tools, chat with friends or play interactive games.
But there are also risks on the Internet, so it’s important to be cyber-smart and make your experience online a safe one. It is critically important that parents supervise their children’s Internet use. As we’ve seen all too often, trusting children are particularly vulnerable to sexual predators and other cyber-criminals.
If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file is known as your credit report. It includes information on where you live, how you pay your bills, whether you've been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses with a legitimate need for it. They use the information to evaluate your applications for credit, insurance, employment, or a lease.
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a copy of your credit report once every 12 months.
Your credit report contains information about where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies.
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn’t have to be an ordeal.
La Internet es una herramienta apasionante que le presenta enormes cantidades de información al alcance de su mano. Con un toque del ratón (mouse), puede comprar pasajes aéreos, utilizar herramientas de búsqueda, conversar con los amigos o participar en juegos interactivos. Pero también existen riesgos en la Internet, por lo tanto, es importante ser ciber-inteligente y que su experiencia en línea sea segura. Es de suma importancia que los padres supervisen el uso de la Internet por parte de sus hijos.
Social Security income is a lifeline for most seniors. Because it is considered so essential for survival, it has traditionally been protected from attachment by creditors. However, there are some exceptions.
Please review the guide below for more information.
For more information regarding the truth about credit reports and credit repair agencies in English, please see our guide in English below.
Para informacion en Espanol, ha clic "La Verdad Sobre el Informe de Crédito Y Las CompañÍas de Reparación de Crédito."
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). For example, you must be told if information in your file has been used against you and you have the right to ask for a credit score.
Americans lose an estimated $40 billion each year due to the fraudulent sales of goods and services over the telephone. The elderly are frequently targeted. Studies have shown that fraudulent telemarketers direct anywhere from 56% to nearly 80% of their calls at older consumers. It is often difficult to recover money lost to a telemarketing scam. Even so, there are several practical actions that you can take to minimize losses and avoid future scams...
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