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C.I.A. CENTRAL INTELLIGENCE AWARENESS THE FAIR CREDIT REPORTING ACT www.privacyrights.org Central Intelligence Awareness.

Published byTamsin Craig Modified over 9 years ago

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Presentation on theme: "C.I.A. CENTRAL INTELLIGENCE AWARENESS THE FAIR CREDIT REPORTING ACT www.privacyrights.org Central Intelligence Awareness."— Presentation transcript:

1 C.I.A. CENTRAL INTELLIGENCE AWARENESS THE FAIR CREDIT REPORTING ACT www.privacyrights.org Central Intelligence Awareness

2 Your Personal Information Central Intelligence Awareness

3 1 Credit Report www.annualcreditreport.com www.annualcreditreport.comwww.annualcreditreport.com www.freecreditreport.com Three major credit bureaus Three major credit bureaus  Equifax  Experian  Trans Union Free copy of your credit report once every 4 months Free copy of your credit report once every 4 months FICO Score (Fair Credit Isaac Corporation)FICO Score (Fair Credit Isaac Corporation) Understanding FICO Credit Scores article Understanding FICO Credit Scores article Largest Credit Score Deductions Largest Credit Score Deductions 1.-33 proportion of balance to loan amount too high 2.-32 lack of recent installment loans 3.-31 too few accounts with recent payments 4.-30 time since last account was opened is too short 5.-28 number of established accounts 6.-26 number of revolving accounts 7.-24 no recent revolving account balances Avoid companies that claim to repair credit Avoid companies that claim to repair credit The best repair is to start using credit wisely The best repair is to start using credit wisely Your Personal Information 1 Credit Report www.creditkarma.com Central Intelligence Awareness

4 2 Medical Information Bureau www.mib.com/html/request_your_record.html www.mib.com/html/request_your_record.htmlwww.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 credit histories, medical conditions, driving records, criminal activity, and participation in hazardous sports, among other facts most people do not have an MIB report most people do not have an MIB report Your Personal Information 1 Credit Report 2 Medical Information Bureau Central Intelligence Awareness

5 3 Lost Fortunes www.unclaimed.org and www.missingmoney.com www.unclaimed.org and www.missingmoney.comwww.unclaimed.orgwww.missingmoney.comwww.unclaimed.orgwww.missingmoney.com collections of state governments working together to safeguard and return lost funds collections of state governments working together to safeguard and return lost funds 35 states participate in www.missingmoney.com 35 states participate in www.missingmoney.comwww.missingmoney.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes Central Intelligence Awareness

6 4 C.L.U.E. Report www.choicetrust.com www.choicetrust.comwww.choicetrust.com C.L.U.E. – Comprehensive Loss Underwriting Exchange C.L.U.E. – Comprehensive Loss Underwriting Exchange 5 years of loss reported on automobile and personal property 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’ 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 Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report Central Intelligence Awareness

7 5 Driving Record http://www.driverlicense.utah.gov/pdf/certforms.pdf http://www.driverlicense.utah.gov/pdf/certforms.pdfhttp://www.driverlicense.utah.gov/pdf/certforms.pdf Certified copies of driving record - $9.00 Certified copies of driving record - $9.00 Certified copies of accident reports Certified copies of accident reports Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record Central Intelligence Awareness

8 6 Personal/Employment Background Checks www.intellius.com www.intellius.comwww.intellius.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks Central Intelligence Awareness

9 7 Free People Search and Public Information www.zabasearch.com www.zabasearch.comwww.zabasearch.com www.netsleuth.com www.netsleuth.comwww.netsleuth.com www.peoplesearch.com www.peoplesearch.comwww.peoplesearch.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information Central Intelligence Awareness

10 8 Residential, Tenant History or Evictions www.choicetrust.com – free copy once per year www.choicetrust.com – free copy once per yearwww.choicetrust.com for landlords for landlords www.saferent.com www.saferent.comwww.saferent.com www.udregistry.com www.udregistry.comwww.udregistry.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information 8 Residential, Tenant History or Evictions or Evictions Central Intelligence Awareness

11 9 Check Writing History www.consumerdebit.com www.consumerdebit.comwww.consumerdebit.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information 8 Residential, Tenant History or Evictions or Evictions 9 Check Writing History Central Intelligence Awareness

12 10 Automobile Purchaser Report www.carfax.com www.carfax.comwww.carfax.com Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information 8 Residential, Tenant History or Evictions or Evictions 9 Check Writing History 10 Automobile Purchaser Report Report Central Intelligence Awareness

13 Your Personal Information 1 Credit Report 11 Social Security Statement of Earnings and Benefits 2 Medical Information Bureau http://www.ssa.gov/mystatement/ http://www.ssa.gov/mystatement/http://www.ssa.gov/mystatement/ 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information 8 Residential, Tenant History or Evictions or Evictions 9 Check Writing History 10 Automobile Purchaser Report Report 11 Social Security Statement of Earnings and Benefits Earnings and Benefits http://socialsecurity.gov/estimator/ http://secure.ssa.gov/estimator/ Central Intelligence Awareness

14 Your Personal Information 1 Credit Report 12 Identity Theft Monitoring Services 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks Background Checks 7 Free People Search and Public Information Public Information 8 Residential, Tenant History or Evictions or Evictions 9 Check Writing History 10 Automobile Purchaser Report Report 11 Social Security Statement of Earnings and Benefits Earnings and Benefits 12 Identity Theft Monitoring Services Central Intelligence Awareness

15 Your Personal Information DO NOT DISTURB Do Not Disturb Central Intelligence Awareness

16 Your Personal Information 12 Telemarketing Do Not Disturb 12 Telemarketing www.donotcall.com www.donotcall.comwww.donotcall.com renew every two years renew every two years Central Intelligence Awareness

17 Your Personal Information 13 Pre-Approved Offers for Credit Cards Do Not Disturb 12 Telemarketing www.optoutprescreen.com www.optoutprescreen.comwww.optoutprescreen.com by phone 888-5OPTOUT or 888-567-8688 by phone 888-5OPTOUT or 888-567-8688 13 Pre-Approved Offers for Credit Cards Credit Cards Central Intelligence Awareness

18 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 Cards Credit Cards 14 On-Line Privacy Central Intelligence Awareness Internet Security Safety Signing up for any internet service Using e-mail and list serves Browsing the internet Instant messages Social networks Personal web sites and blogs Managing financial accounts Online bill payments Online purchasing and selling Web ‘Bugs’ Behavioral marketing or targeting ‘Cookies’

19 Your Personal Information Do Not Disturb 12 Telemarketing www.dmaconsumers.org/cgi/offmailinglist - $1 Fee www.dmaconsumers.org/cgi/offmailinglist - $1 Feewww.dmaconsumers.org/cgi/offmailinglist 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing Central Intelligence Awareness

20 Your Personal Information 16 Catalog and Publishing Companies Do Not Disturb 12 Telemarketing optout@abacus-direct.com optout@abacus-direct.comoptout@abacus-direct.com 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies Companies Central Intelligence Awareness

21 Your Personal Information 17 Sharing of On-Line ‘Cookie’ Data Do Not Disturb 12 Telemarketing www.networkadvertising.org www.networkadvertising.orgwww.networkadvertising.org 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies Companies 17 Sharing of On-Line ‘Cookie’ Data ‘Cookie’ Data Central Intelligence Awareness

22 Your Personal Information 18 Supermarket 18 Supermarket Loyalty Club Loyalty ClubMembership Do Not Disturb 12 Telemarketing Albertsons ‘Preferred Card’ or Albertsons ‘Preferred Card’ or Smiths ‘Fresh Values’ Sign up under a generic name Sign up under a generic name ‘Grocery Shopper’ ‘Grocery Shopper’ Do not put down address Do not put down address 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies Companies 17 Sharing of On-Line ‘Cookie’ Data ‘Cookie’ Data 18 Loyalty Clubs at the Supermarket Supermarket Central Intelligence Awareness

23 Your Personal Information 19 Tax Assessor Public Records Not to be Used for Marketing Do Not Disturb 12 Telemarketing Opt-Out hotline (877) 774-2094 Opt-Out hotline (877) 774-2094 Email optout@acxiom.com Email optout@acxiom.comoptout@acxiom.com 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies Companies 17 Sharing of On-Line ‘Cookie’ Data ‘Cookie’ Data 18 Loyalty Clubs at the Supermarket Supermarket Central Intelligence Awareness PROPERTY TAX 19 Tax Assessor Records

24 Your Personal Information 20 Utah Kids Registry Do Not Disturb 12 Telemarketing www.utahkidsregistry.com www.utahkidsregistry.comwww.utahkidsregistry.com All Electronic Contact Points All Electronic Contact Points Email, Cell Phone, Instant Message, etc. Email, Cell Phone, Instant Message, etc. Effective for two years Effective for two years 13 Pre-Approved Offers for Credit Cards Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies Companies 17 Sharing of On-Line ‘Cookie’ Data ‘Cookie’ Data 18 Loyalty Clubs at the Supermarket Supermarket 19 Tax Assessor Records 20 Utah Kids Registry Central Intelligence Awareness

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