c.i.a. central intelligence awareness the fair credit reporting act central intelligence awareness
TRANSCRIPT
C.I.A.CENTRAL
INTELLIGENCE AWARENESS
THE FAIR CREDIT REPORTING ACT
www.privacyrights.org
Central Intelligence Awareness
Your Personal Information
Your Personal Information
Central Intelligence Awareness
1 Credit Report•
www.annualcreditreport.comwww.freecreditreport.com
• Three major credit bureaus Equifax Experian Trans Union
• Free copy of your credit report once every 4 months
• FICO Score (Fair Credit Isaac Corporation)• Understanding FICO Credit Scores article• Largest Credit Score Deductions
1. -33 proportion of balance to loan amount too high2. -32 lack of recent installment loans3. -31 too few accounts with recent payments4. -30 time since last account was opened is too short5. -28 number of established accounts6. -26 number of revolving accounts7. -24 no recent revolving account balances
• Avoid companies that claim to repair credit
• The best repair is to start using credit wisely
Your Personal Information1 Credit Report
www.creditkarma.com
Central Intelligence Awareness
2 Medical Information Bureau
• www.mib.com/html/request_your_record.html
Toll free number for requesting information 866-692-6901
• credit histories, medical conditions, driving records, criminal activity, and participation in hazardous sports, among other facts
• most people do not have an MIB report
Your Personal Information1 Credit Report
2 Medical Information Bureau
Central Intelligence Awareness
3 Lost Fortunes
• www.unclaimed.org and www.missingmoney.com
• collections of state governments working together to safeguard and return lost funds
• 35 states participate in www.missingmoney.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes
Central Intelligence Awareness
4 C.L.U.E. Report
• www.choicetrust.com
• C.L.U.E. – Comprehensive Loss Underwriting Exchange
• 5 years of loss reported on automobile and personal property
• Property and Casualty agents often report phone conversations with insured even if no claim is filed – Always call and ask about ‘a friend’
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report
Central Intelligence Awareness
5 Driving Record
• http://www.driverlicense.utah.gov/pdf/certforms.pdf
• Certified copies of driving record - $9.00
• Certified copies of accident reports
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record
Central Intelligence Awareness
6 Personal/Employment Background Checks
• www.intellius.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks
Central Intelligence Awareness
7 Free People Search and Public Information
• www.zabasearch.com
• www.netsleuth.com
• www.peoplesearch.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information
Central Intelligence Awareness
8 Residential, Tenant History or Evictions
• www.choicetrust.com – free copy once per year
• for landlords
• www.saferent.com
• www.udregistry.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information8 Residential, Tenant History or Evictions
Central Intelligence Awareness
9 Check Writing History
• www.consumerdebit.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information8 Residential, Tenant History or Evictions9 Check Writing History
Central Intelligence Awareness
10 Automobile Purchaser Report
• www.carfax.com
Your Personal Information1 Credit Report
2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information8 Residential, Tenant History or Evictions9 Check Writing History10 Automobile Purchaser Report
Central Intelligence Awareness
Your Personal Information1 Credit Report11 Social Security
Statement of Earnings and Benefits
2 Medical Information Bureau
• http://www.ssa.gov/mystatement/
3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information8 Residential, Tenant History or Evictions9 Check Writing History10 Automobile Purchaser Report11 Social Security Statement of Earnings and Benefits
http://socialsecurity.gov/estimator/http://secure.ssa.gov/estimator/
Central Intelligence Awareness
Your Personal Information1 Credit Report12 Identity Theft
Monitoring Services 2 Medical Information Bureau3 Lost Fortunes4 C.L.U.E. Report5 Driving Record6 Personal/Employment Background Checks7 Free People Search and Public Information8 Residential, Tenant History or Evictions9 Check Writing History10 Automobile Purchaser Report11 Social Security Statement of Earnings and Benefits12 Identity Theft Monitoring Services
Central Intelligence Awareness
Your Personal InformationDO NOT
DISTURBDo Not Disturb
Central Intelligence Awareness
Your Personal Information12
TelemarketingDo Not Disturb
12 Telemarketing
• www.donotcall.com
• renew every two years
Central Intelligence Awareness
Your Personal Information13 Pre-Approved
Offers for Credit Cards
Do Not Disturb
12 Telemarketing
• www.optoutprescreen.com
• by phone 888-5OPTOUT or 888-567-8688
13 Pre-Approved Offers for Credit Cards
Central Intelligence Awareness
Your Personal Information
14 On-Line Privacy
Do Not Disturb
12 Telemarketing
http://www.consumerprivacyguide.org/howto/optout.shtml
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
Central Intelligence Awareness
Internet Security SafetySigning up for any internet serviceUsing e-mail and list servesBrowsing the internetInstant messagesSocial networksPersonal web sites and blogsManaging financial accountsOnline bill paymentsOnline purchasing and sellingWeb ‘Bugs’Behavioral marketing or targeting‘Cookies’
Your Personal Information
15 Direct Mail Marketing
Do Not Disturb
12 Telemarketing
• www.dmaconsumers.org/cgi/offmailinglist - $1 Fee
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing
Central Intelligence Awareness
Your Personal Information16 Catalog and
Publishing Companies
Do Not Disturb
12 Telemarketing
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing16 Catalog and Publishing Companies
Central Intelligence Awareness
Your Personal Information17 Sharing of On-
Line ‘Cookie’ DataDo Not Disturb
12 Telemarketing
• www.networkadvertising.org
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing16 Catalog and Publishing Companies17 Sharing of On-Line ‘Cookie’ Data
Central Intelligence Awareness
Your Personal Information
18 Supermarket
Loyalty Club
Membership
Do Not Disturb
12 Telemarketing
• Albertsons ‘Preferred Card’ or
Smiths ‘Fresh Values’
• Sign up under a generic name
‘Grocery Shopper’
• Do not put down address
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing16 Catalog and Publishing Companies17 Sharing of On-Line ‘Cookie’ Data
18 Loyalty Clubs at the Supermarket
Central Intelligence Awareness
Your Personal Information19 Tax Assessor
Public Records Not to be Used for
Marketing
Do Not Disturb
12 Telemarketing
• Opt-Out hotline (877) 774-2094
• Email [email protected]
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing16 Catalog and Publishing Companies17 Sharing of On-Line ‘Cookie’ Data
18 Loyalty Clubs at the Supermarket
Central Intelligence Awareness
PROPERTY TAX
19 Tax Assessor Records
Your Personal Information20 Utah Kids
RegistryDo Not Disturb
12 Telemarketing
• www.utahkidsregistry.com
• All Electronic Contact Points
• Email, Cell Phone, Instant Message, etc.
• Effective for two years
13 Pre-Approved Offers for Credit Cards14 On-Line Privacy
15 Direct Mail Marketing16 Catalog and Publishing Companies17 Sharing of On-Line ‘Cookie’ Data
18 Loyalty Clubs at the Supermarket
19 Tax Assessor Records20 Utah Kids Registry
Central Intelligence Awareness