Better than X-Tube at Selling your personal data ? TeansUnion, Experian, and Equifax

Looking for the best credit reporting website or company? Many are better than X-tube at stealing your personal data and selling private information.

The Credit Report Wizard: Never use freecreditreport.com, truecredit, and other paysites due to legal issues


BEWARE OF THE SERVICES LISTED:

Title Overall Rating Star Review 3-in-1 Price Free Trial Order Now: Monthly Monitoring Customer Service Experian Triple Advantage Gold Star $12.95 $1 30-Day Yes TrueCredit Silver Star $14.95 7-Day Yes Equifax Complete Bronze Star $16.95 No Yes FreeCreditScore $14.95 7-Day Yes IDENTITY GUARD® Credit Protect X3 $15.99 $3 30-Day Yes CreditReport.com $19.95 7-Day Yes TransUnion $14.95 7-Day Yes CreditReporting.com $34.90 No No FreeCreditReport $14.95 7-Day Yes Privacy Matters 1-2-3 $29.95 7-Day Yes ScoreSense $29.95 7-Day Yes

JUSST SAY NO!  - NEVER, NEVER, NEVER sign-up with these types of companies. WHY?

1) You can obtain anything these paysites offer FOR FREE, DIRECTLY, as mandated by Federal and State Law!

2) Many of these sites are OWNED by "the big 3": Experian, Equifax, TransUnion

3) Experian, Equifax, and TransUnion compete with each other, so they like to restrict what can and cannot be done with the "other 2" on their version of a "pay for your credit report website".

4) LAWSUITS have been WON on class action levels because these "Credit Report Companies" were datamining your personal information (your registration information)
TO BILL COLLECTORS... THEIR TRUE CUSTOMERS!

- a cellphone number associated with a credit card - sold
- family members addresses - sold
- your social security number, and banking address - sold
- what gas station you frequant the most - sold
- what daycare your children use - sold

A FEW EXAMPLES of Why your info is Safer at free Porn Sites than in the hands of these falsely "free credit report" companies:

Recently, an I've Been Mugged reader wrote:

"Do not sign up for truecredit.com. Here is the path of relationship association that reveals big problems with id theft. Here goes...Transunion's subsiderary with truecredit which DBA great Fun (among others) is owned by Trilegiant (formerly Cedant) Trilegiant was sued last July for $25million by the state of Illinois. Ok...how do I know all this? My identity was passed on from truecredit.com to great fun then for some strange reason...on the same day...my account got hit with almost $1,000 charges by people ordering different goods being shipped to all different states also West Africa. So what can you do? I reported to everyone I can report to and I feel this needs some national attention on a grand scale. Any suggestions? Has anyone else experienced this same nightmare?"

Trixie is correct. Trilegiant Corp settled with the State of Illinois in July 2008. According to the St. Louis Business Journal:

"Trilegiant Corp., a subsidiary of Cendant Corp., must pay $25 million to settle a class-action lawsuit filed by consumers who were charged for products they never ordered... More than one million people nationwide, including some in St. Louis, complained about the incorrect charges, said Rob Schmieder, an attorney who worked on the case."

Also:

"Norwalk, Conn.-based Trilegiant allegedly billed and collected unauthorized charges from consumers for products and memberships consumer never requested, including Privacy Guard, Credit Alert, Auto Vantage, Travelers Advantage, Buyers Advantage, Compete Home, Digital Protection Plus, Great Fun, Great Options, HealthSaver, Hotline, Just for Me, National Card Registry, NetMarket, Shoppers Advantage, Travel ER and others."

Of course, as part of the settlement deal Trilegiant admitted no wrong-doing. I checked several breach databases and did not see any breach notices from Trilegiant, Great Fun, or TrueCredit.com. Based on Trixie's experience, there seems to have been an unreported data breach by one of these companies.
If you think that you have been affected, let us know below. More importantly, consumers should report any identity theft and fraud to both their local law enforcement and to the U.S. Federal Trade Commission. If consumers still don't get any satisfaction, write to your elected officials in Congress.

NEXT:

Experian Sued For Its Deceptive FreeCreditReport.com Ads

A Wisconsin woman is suing the credit-reporting agency Experian because its ubiquitous advertisements for FreeCreditReport.com made her think she could go to that site to get a free credit report.  Possin is the lead plaintiff in a class action lawsuit against Experian that seeks to "stop the fraud and seek compensation for the tens of thousands of consumers deceived by Experian's FreeCreditReport.com to the tune of millions of fraudulently obtained profits."

"FreeCreditReport.com tells people they will get something for free, and you do, but you have to pay for something else, and there's not sufficient notice," said John Balestriere, lead attorney on the case. He said his firm had spoken with a few dozen people in Possin's situation. "I think we're going to see more cases like this because people use their credit cards for everything these days."
The complaint, filed on Monday in federal court in California, thoroughly documents six of the catchy ads, lyrics and all, in case there's anybody in the United States who hasn't seen them 10,000 times. (Click here to see a copy of the suit, first reported by Courthouse News Service.)

INFACT YOURS TRUELY: the credit report wizard was part of this class action against TransUnion:

 A settlement worth at least $75 million has been reached with Trans Union LLC and Acxiom Corporation (“Defendants”) in a class action lawsuit that claims the Defendants violated state laws and the Fair Credit Reporting Act (“FCRA”) when they sold lists containing personal and financial consumer information to third parties for marketing purposes. The settlement does not mean the Defendants violated any laws or did anything wrong. The Defendants deny any claims of wrongdoing in this case. The United States District Court for the Northern District of Illinois will have a hearing to decide whether to give final approval to the settlement, so that benefits can be issued. Those included in the class action, together called a “Class,” may object to the settlement or ask to speak at the hearing. Eligible Class members may also sign up for credit monitoring or other benefits from the settlement. For more information, including a detailed notice, go to www.ListClassAction.com or call, toll-free, 1-866-416-3470. If you had a credit card, loan or credit account, you could get benefits from a class action Class Members that have valid registrations for credit monitoring will be forwarded an e-mail explaining how to begin receiving these benefits between December 2009 and February of 2010. If you timely registered for the Credit Monitoring benefit, and did not receive an e-mail by March 1, 2010, please contact the settlement administrator in writing at List Class Action Settlement, PO Box 6336, Portland, OR 97228-6336. The "Free Credit Report Companies" are not only rip-offs... A) They are owned by the people GATHERING INFORMATION TO SELL B) Sell your EXTREMELY PRIVATE INFO (personal e-mail address, exact location, what line of credit your using for your membership, what address that card is linked to) .  X-Tube and websites claiming to be better than X-tube, I would wager are more ethical than these sham, cardboard box e-stores created by TransUnion, Experian, and Equifax! C) Trick you into believing this information IS WORTH, or NEEDS to be paid for in the first place... it's yours FREE, and when you use my method to get it DIRECTLY FROM THEM.... The Credit Report they are forced to produce to you for FREE -NO COST, NO CARD, NO STRINGS is ADMISSABLE IN COURT! - and backed by Federal LAW As we travel along the road to free credit repair, you will understand just exactly how important your genuine, and at no cost to you, credit reports obtained using thecreditreportwizard.com way really helps turn the tide in YOUR favor! - stay tuned and stay budgeted- thecreditreportwizard.

Google Wallet versus Apple Wallet?

Google Wallet Versus Apple Wallet

Sure looks to me like Google and Apple are drawing lines in the sand to dominate the credit markets.  Payment systems will be bought and sold, and consolidation will unfold.  If you do not have good credit, the digitized purchase systems will wind up putting you at a serious disadvantage it seems.  I personally believe this is all part of the great scheme of banks, credit companies, the fed, and now mega-corps to enslave the populous through debt.

"At first, Google Wallet will support both Citi MasterCard and a Google Prepaid Card, which you’ll be able to fund with almost any payment card," Google engineers Rob von Behren and Jonathan Wall wrote on the Google blog. "From the outset, you’ll be able to tap your phone to pay wherever MasterCard PayPass is accepted."

"Loyalty schemes and coupons will obviously play a big part in Google Wallet," writes Bill Ray of the Register. Ray expects that Google will keep electronic wallets "stuffed with tokens and offers as well as payment applications"; he also believes it's "likely that Google will take this opportunity to launch a payment platform for use both offline and online."
For the time being, Google Wallet is synced with Google Offers, a daily deals service similar to the popular GroupOn.
"We're about to embark on a new era of commerce where we bring online and offline together," Google exec Stephanie Tilenius said at the press event, according to CNN. "We believe the shopping experience has not yet been transformed by technology or by magical experiences. Now, your phone can be your wallet –– you just tap, pay, and save."
Sounds about right. As regular Horizons readers will remember, NFC tech has been all over the place in recent months –– and according to at least one blogger, the functionality will be a centerpiece on the new Apple iPhone 5. Writing in Forbes last March, Elizabeth Woyke reported that manufacturers were "gearing up for the additional NFC traffic the iPhone 5 will bring."
"From what I hear, it is possible the iPhone 5 will include NFC. An entrepreneur who is working on a top-secret NFC product told me today that he believes the iPhone 5 will have NFC and cited a friend who works at Apple as a reliable source for the information," Woyke noted. "To further bolster his statement, the entrepreneur said that manufacturers of NFC readers – whom he has been talking to for his own product – also expect the iPhone 5 to have NFC."

Sure Looks like Android/Chrome and Apple/IOS are going to win and loose based off of small credit microtransactions and large ticket item purchases' profit margins.

How can I Get Bill Collectors to Quit Calling Me at Work and Debt Collectors calling my House?

BEING HARASSED BY DEBT COLLECTORS?  COLLECTION AGENCIES CALLING YOUR HOUSE, WORK, FRIENDS, AND FAMILY? - YOU HAVE THE POWER TO MAKE THEM STOP OR RISK BEING SUED!

You have the right to make any debt collector or collection agency stop calling you house, work, family, and friends. 

BUT.....You must use the method below!

STEP 1) Get the Debt collectors physical mailing address

STEP 2) DO NOT promise to pay them ANYTHING or admit you owe anyone or anything!

STEP 3) Write a letter stating the following EXACTLY:  "I ask that all future communication between us be strictly limited to the U.S. mail.  I consider phone calls to my personal residence, work, family, and friends to be harassment and violates not only my privacy, but my work's policies and procedures".

 annoying and embarrassing telephone calls from collection agencies are against the law when you tell them to stop

STEP 4) When trying to get debt collectors and collection agencies to quit calling and harassing you it is of the up-most IMPORTANCE to do the following:

a) copy the letter - this prevents collection agencies from altering the letter or stating that you never asked them to stop calling.

b) sign and date the letter to the collection company - this will prove the date of the request and can be used in court in conjunction with the signed green card from sending the letter to the collector or collection agency.

c) send the letter "certified registered mail with return receipt". - sending your request certified mail with return receipt empowers you by giving you proof they received the request, and exactly what day you made the request!


WHY ARE FOLLOWING THESE STEPS SO IMPORTANT?

1) Without giving debt collectors a way to contact you, there are situations where they are forced to sue you on legal technicalities (please not this does not apply on debts OUTSIDE of your individual State's statute of limitations if you owe the debt).

2) The most important goal to accomplish is providing a paper trail of your LEGAL RIGHT, and your desire to invoke your legal right of not being harassed into paying a bill collector or collection agency, EVEN IF YOU OWE THE DEBT.


3) Establishing the date the letter was delivered allows you to SUE THEM in a court of law for harassment if they do not comply with your request, and entitles you to a CASH AWARD (often times greater than the debt "they" claim you owe!)

4) By catching them breaking the rules, simply by invoking your RIGHTS, you gain leverage in dealing with hostile and non-law abiding debt collection agencies harassing you into payment.



Always remember, NEVER PAY A COLLECTION AGENCY that is unlawfully harassing you!  THEY are the ones acting immoral and negligent, NOT YOU!


Thanks for your time, and remember to hit a social button if this blog has helped you in the slightest.  Next, I will explain the FIRST thing one should do when attempting to fix their credit score and reports.  The answer WILL SURPRISE YOU, because it goes against human nature!

------------------------------------- TheCreditWizard

how do I fix my credit report for free?
how do I get a higher credit score?

Stay tuned and TheCreditWizard will help you get there one step at a time! 

How do I get a better credit score? How Do I fix my credit for free?

I will show you the path, you are not alone!

First, WELCOME!

STEP 1 -

First thing is first, take a deep breath, you can and you will make this better, and take controll of your credit profiles in a way NO 3rd party can or will!

You have come to the right place and you are not alone!  Many people struggle with poor credit for various reasons.  Many more people feel embarressed and alone in their strugle with bad credit that needs repairing.  I will show you FOR FREE with NO TRICKS or any AGENDA and with nothing to SELL or any hidden motive. 

I use to be a ranking member of one of the "big 3" credit reporting agencies.  For those that do not know, they are Equifax, TransUnion, and Experian.  There is a rogue "4th" named LexusNexus, but no company takes them seriously or judges your credit solely off a report from them.  So when I talk about a "CRA" I am talking about one of the "big 3" (Equifax, TransUnion, Experian).

Today, your first day on the path, I am going to show you how to obtain your credit reports and scores 100% free, no strings attatched, no credit card numbers needed, and no memberships to opt in or out of.

Please realize sites like: myfreecreditreport.com(experian) and truecredit.com(transunion) are OWNED BY THE "BIG 3"!!! DO NOT USE THESE!

In essence, you are paying them to provide you the same information they are also SELLING TO 3rd parties like credit card companies and mortgage brokers.  This is particularly important because the information they are collecting IS ALL ABOUT YOU, without you, there is no information to sell.  TransUnion just lost a class action lawsuit for DATA MINING their very own customers of TRUECREDIT, and selling that information to Collection Agencies without ever informing their customers (you).


You have a right to your information, and the federal government agrees.  This link is the ONLY no stings attatched way to get all three credit reports free with no strings attatched.  These reports (unlike the credit monitoring services and 3 in one reports) are considered complete, and are admissible in a court of law.

CAUTION: STOP AND READ BEFORE CLICKING THE LINK


you will need to be near a printer AND PRINT EACH ONE OFF before leaving each companies website.  YOU WILL NEED THESE EXACT COPIES to both clean your credit and continue obtaining FREE COPIES whenever you want and need them ... I will talk about this technique in another post for another day... print them off before going to the next, they have made it difficult to navigate on purpose. 




DO NOT ELECTRONICALLY CHALLANGE/DISPUTE ANYTHING WHILE LOOKING!

ALL 3 CREDIT REPORTS 100% NO STRINGS, AS MANDATED BY THE FEDERAL GOVERNMENT - click me


So after you navigate all three and print off your hard copies, TAKE A LOOK, and make another copy of each... one you are about to mark all over, make notes, and GO ON THE OFFENSIVE with.

---if this benefited you in any way or could benefit anyone you know PLEASE SHARE THIS BLOG---

stay tunned and thanks for your time,

-------------------------------------------------------------------theFreeCreditRepairWizard-------------


This blog is not a sales pitch, I think all credit reporting agencies and collection agencies are the scum of the earth and social vampires... I use to be a high ranking worker in one of the BIG 3...... I know the backdoors and the frontdoors, and the sidedoors of fixing your credit for free.  I do this, because I COULD NOT SLEEP working for these people!



DEBT COLLECTORS HARASSING YOU AT WORK OR COLLECTIONA AGENCIES CALLING YOUR HOUSE?  


END DEBT COLLECTOR HARASSMENT by clicking on this link!


How do I make debt collectors stop calling my house, work and family members? .... Click and find out HOW!