Facts for Consumers PDF Format En Español Email
Who’s Calling? Recognize & Report Phone Fraud
Recognize Phone Fraud
Every sales call you get by phone is an opportunity for a gut check: Ask yourself these questions — and if the answers give you some doubt about the caller’s intentions or methods, end the call.

Who’s calling — and why? Telemarketers must tell you it’s a sales call, the name of the seller and what they’re selling before they make their pitch. If they don’t, say “no thanks,” and get off the phone.

What’s their hurry? Fast talkers who use high pressure tactics could be hiding something. Take your time. Most legitimate businesses will give you time and written information about an offer before asking you to commit to a purchase.

If it’s free, why are they asking me to pay? Question charges you need to pay to redeem a prize or gift. Free is free. If you have to pay, it’s a purchase – not a prize or a gift.

Why am I “confirming” my account information — or giving it out at all? Some callers have your billing information before they call you. They’re trying to get you to say “okay” so they can claim you approved a charge.

What time is it? The law allows telemarketers to call only between 8 am and 9 pm. A seller calling earlier or later is flouting the law.

Do I want more calls like this one? If you don’t want a business to call you again, say so. If they call back, they’re breaking the law.

Report Phone Fraud
Recognizing fraudulent callers is important; reporting them to the appropriate law enforcement authorities is critical, too. When you report, you can help stop telephone scammers. Report telephone hucksters to the FTC and your state Attorney General so they can prosecute fraudulent telemarketers who try to steal your money.

If your number is on the National Do Not Call Registry, you should get calls only from those companies with which you do business — or those that have your permission to call. If you get calls from a company you don’t have a relationship with — or from a company you have told not to call you — report it. Jot down the name and number of the caller, and the date and time of the call.

To report phone fraud, visit FTC.gov or call 1-877-FTC-HELP.

To report violations of the National Do Not Call Registry, visit DoNotCall.gov or call 1-888-382-1222.

Your complaint is entered into the Consumer Sentinel Network, a database that is used by law enforcement agencies across the country and around the world. It can help them track down scam artists, detect patterns in their calls, find other victims, and ultimately, stop the fraud.

Register Your Number
You can limit the number of telemarketing calls you receive by placing your phone number on the National Do Not Call Registry. Once your number is registered, feel free to hang up if you get a cold call from a company with which you don’t already do business — or report it!

You can register your phone number at DoNotCall.gov, or by calling 1-888-382-1222 (TTY: 1-866-290-4236) from the number you wish to register. If you register online, you must click on the confirmation email you receive to complete your free registration.

Your registration will not expire. Your number is on the list until you take it off, or your number is disconnected and re-assigned to someone else.

Placing your number on the Registry stops most telemarketing calls, but not all. Once your number has been on the Registry for 31 days, you still may get calls from, or on behalf of:

Political organizations, charities, and pollsters

Companies with whom you have an existing business relationship
Companies you’ve given permission to call
Companies that you do business with may call for 18 months. If you ask a company for information, it may call for three months.

The Registry accepts personal cell phone and home phone numbers. Federal Communications Commission regulations prohibit the use of automated dialers to call cell phone numbers, so most telemarketers won’t cold-call consumers on their cell phones – despite urban myths and emails to the contrary.

Telemarketing fraud is a crime.
Professional criminals posing as legitimate telemarketers try to worm their way into your wallet. They are very good at what they do: their “pitch” is perfect, their tone is friendly and sincere, and their answers to your questions seem to make sense. It’s no wonder that consumers, regardless of their age, education or experience, can fall for telemarketing frauds.

By learning how to recognize and report telephone fraud, you can help stop some scams – and if you put your phone numbers on the National Do Not Call Registry, you can reduce the number of unwanted telemarketing calls you get.

Check ftc.gov/phonefraud for information about:

Buying Club Memberships
Charities and Fundraising
Credit & Loan Offers
Government Grant Scams
Identity Theft & Telemarketing
Medical Discounts Plans
Reloading Scams
Sweepstakes & Lotteries
Travel Scams
Work-at-Home & Business Opportunities
To learn more about how to recognize and report phone fraud, and how to place your phone number on the National Do Not Call Registry, go to ftc.gov/phonefraud.

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

For Release: 08/18/2009
Mortgage Lender Agrees to Settle FTC Charges; Prescreened Loan Offers Lacked Proper Opt-Out Notice
A home mortgage lender that sent prescreened offers of credit to consumers without properly informing them of their right to opt out of receiving such offers in the future has agreed to settle Federal Trade Commission charges that it violated federal law. The settlement requires the company to pay a $20,000 civil penalty and bars future violations.

Prescreened offers of credit or insurance typically are mailings sent to selected consumers based on information in their credit report indicating that they meet the offering company’s criteria. The Fair Credit Reporting Act (FCRA) permits lenders or insurers to make prescreened offers if the offer clearly and conspicuously discloses that, among other things, the consumer’s credit report was used to make the offer and that the consumer can opt out of receiving such offers in the future. The FTC’s Prescreen Opt-Out Notice Rule (Prescreen Rule) requires that each written solicitation contain a short and a long notice, and it specifies the format, type size, and content in order to make the notices simple and easy for consumers to see and understand.

According to the FTC’s complaint, the company violated the FCRA and the FTC’s Prescreen Rule by not providing opt-out notices that comply with the Rule. In some instances, for example, the notices did not contain a short notice on the front page of the solicitation as required by the Rule, or the notices did not comply with the Rule’s format requirements.

The settlement requires Metropolitan Home Mortgage, Inc., doing business as Wholesale Home Lenders, to pay a $20,000 civil penalty and bars the company from failing to comply with the Prescreen Rule. The settlement also contains record-keeping and reporting provisions to allow the FTC to monitor compliance with the order.

The Commission vote to authorize staff to refer the complaint and stipulated final order to the U.S. Department of Justice for filing on the FTC’s behalf was 4-0. The documents were filed in the U.S. District Court for the Central District of California, Southern Division.

NOTE: The Commission authorizes the filing of a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The complaint is not a finding or ruling that the defendants have actually violated the law. Stipulated court orders are for settlement purposes only and do not necessarily constitute an admission by the defendant of a law violation. Stipulated orders are subject to court approval and have the force of law when signed by the judge.

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 1,500 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s Web site provides free information on a variety of consumer topics.

MEDIA CONTACT:
Frank Dorman
Office of Public Affairs
202-326-2674
STAFF CONTACT:
Katherine Armstrong
Bureau of Consumer Protection
202-326-3250
(FTC File No. 0823104)
(Wholesale Home Lenders)

Credit & LoansSummaries of Rights
Fair Credit Reporting Act
Identity Theft
Almost every day, you’re involved in some type of financial transaction requiring an educated decision. This site has information for you, whether you’re shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors, or looking for ways to protect your personal financial information.

Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. This site also has publications for businesses on credit issues and information on credit-related Rules and Acts enforced by the FTC.

To find FTC information and consumer publications on a specific Credit & Loans topic, click on a category name from the list below.

Your Rights: Credit Reporting
Credit Cards & Consumer Loans
Credit Reports & Scoring
In Debt?
Mortgages/Real Estate
Privacy

Credit history
From Wikipedia, the free encyclopedia
(Redirected from Credit repair)
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This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score (United States).
Credit history or credit report is, in many countries, a record of an individual’s or company’s past borrowing and repaying, including information about late payments and bankruptcy. The term “credit reputation” can either be used synonymous to credit history or to credit score.

In the U.S., when a customer fills out an application for credit from a bank, store or credit card company, their information is forwarded to a credit bureau. The credit bureau matches the name, address and other identifying information on the credit applicant with information retained by the bureau in its files.That’s why it’s very important for creditors, lenders and others to provide accurate data to credit bureaus. [1]

This information is used by lenders such as credit card companies to determine an individual’s credit worthiness; that is, determining an individual’s willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.

There has been much discussion over the accuracy of the data in consumer reports. However, the only scientifically researched studies that include sample sizes large enough to be valid have concluded that by and large the data in credit reports is very accurate. [2] [3] The credit bureaus point to their own study of 52 million credit reports to highlight that the data in reports is very accurate. The Consumer Data Industry Association testified before Congress that less than two percent of those reports that resulted in a consumer dispute had data deleted because it was in error.[4]

If a consumer disputes some information in a credit report, the credit bureau has 30 days to verify the data. Over 70 percent of these consumer disputes are resolved within 14 days and then the consumer is notified of the resolution. [5] The Federal Trade Commission states that one large credit bureau notes 95 percent of those who dispute an item seem satified with the outcome.[6]

The other factor in determining whether a lender will provide a consumer credit or a loan is dependent on income. The higher the income, all other things being equal, the more credit the consumer can access. However, lenders make credit granting decisions based on both ability to repay a debt (income) and willingness (the credit report) as indicated in the past payment history.

These factors help lenders determine whether to extend credit, and on what terms. With the adoption of risk-based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the annual percentage rate (APR), grace period and other contractual obligations of the credit card or loan.

edit] How credit rating is determined
Credit ratings are determined differently in each country, but the factors are similar, and may include:

Payment history – a record of delinquent payments, generally being more than 30 days, will lower the credit rating.
Control of debt – Lenders want to see that borrowers are not living beyond their means. Experts estimate that non-mortgage credit payments each month should not exceed more than 15 percent of the borrower’s after-tax income.[citation needed]
Signs of responsibility and stability – Lenders perceive things such as longevity in the borrower’s home and job (at least two years) as signs of stability.[citation needed]
Re-Aging – Through re-aging, the date of last action on the account is changed. This can dramatically alter the credit score. In 2000, the Federal Financial Institutions Examination Council (FFEIC) clarified guidelines on re-aging accounts for delinquent borrowers. [1] (PDF)
Utilization—Lenders ascribe increased risk to accounts with balances near their limits.
Credit inquiries – An inquiry is noted every time a company requests some information from a consumer’s credit file. There are several kinds of inquiries that may or may not affect one’s credit score. Inquiries that have no effect on the creditworthiness of a consumer (also known as “soft inquiries”) are:
Prescreening inquiries where a credit bureau may sell a person’s contact information to an institution that issues credit cards, loans and insurance based on certain criteria that the lender has established.
A creditor also checks its customers’ credit files periodically.
A credit counseling agency, with the client’s permission, can obtain a client’s credit report with no adverse action.
A consumer can check his or her own credit report without impacting creditworthiness.
Inquiries that do have an effect on the creditworthiness of a consumer (also known as “hard inquiries”) are made by lenders when consumers are seeking credit or a loan, in connection with permissible purpose. Lenders, when granted a permissible purpose, as defined by the Fair Credit Reporting Act, can “pull” a consumer file for the purposes of extending credit to a consumer. Hard inquiries from lenders directly affect the borrower’s credit score. Keeping credit inquiries to a minimum can help a person’s credit rating. A lender may perceive many inquiries over a short period of time on a person’s report as a signal that the person is in financial difficulty, and may consider that person a poor credit risk.
Credit cards that are not used – Although it is believed that having too many credit cards can have an adverse effect on a credit score, closing these lines of credit will not necessarily improve your score. Many risk models consider the difference between the amount of credit a person has and the amount being used: closing one or more accounts will reduce your total available credit, lower the percentage of available credit, and possibly lower your credit score. Risk models also factor in account age: closing an account with several years of history that is in good standing will most likely negatively affect your score.
[edit] Understanding credit reports and scores
The Government of Canada offers a free publication called Understanding Your Credit Report and Credit Score. This publication provides sample credit report and credit score documents with explanations of the notations and codes that are used. It also contains general information on how to build or improve credit history, and how to check for signs that identity theft has occurred. The publication is available online at http://www.fcac.gc.ca, the site of the Financial Consumer Agency of Canada. Paper copies can also be ordered at no charge for residents of Canada.

[edit] Credit History of Immigrants
Credit history usually applies to only one country. Even within the same credit card network, information is not shared between different countries. For example, if a person has been living in Canada for many years and then moves to the United States, when they apply for credit cards or a mortgage in the U.S., they would usually not be approved because of a lack of credit history, even if they had an excellent credit rating in their home country and even if they had a very high salary in their home country.

An immigrant must establish a credit history from scratch in the new country. Therefore, it is usually very difficult for immigrants to obtain credit cards and mortgages until after they have worked in the new country with a stable income for several years.

[edit] Adverse Credit
Adverse credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating.

A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital[7].

In the U.S., a consumer’s credit history is compiled by consumer reporting agencies or credit bureaus. The data reported to these agencies are primarily provided to them by creditors and includes detailed records of the relationship a person has with the lender. Detailed account information, including payment history, credit limits, high and low balances, and any aggressive actions taken to recover overdue debts, are all reported regularly (usually monthly). This information is reviewed by a lender to determine whether to approve a loan and on what terms.

As credit became more popular, it became more difficult for lenders to evaluate and approve credit card and loan applications in a timely and efficient manner. To address this issue, credit scoring was adopted.[citation needed]A benefit of scoring was that it made credit available to more consumers and at less cost. ([8])

Credit scoring is the process of using a proprietary mathematical algorithm to create a numerical value that describes an applicants overall creditworthiness. Scores, frequently based on numbers (ranging from 300-850 for consumers in the United States), statistically analyze a credit history, in comparison to other debtors, and gauge the magnitude of financial risk. Since lending money to a person or company is a risk, credit scoring offers a standardized way for lenders to assess that risk rapidly and “without prejudice.”[citation needed] All credit bureaus also offer credit scoring as a supplemental service.

Credit scores assess the likelihood that a borrower will repay a loan or other credit obligation. The higher the score, the better the credit history and the higher the probability that the loan will be repaid on time. When creditors report an excessive number of late payments, or trouble with collecting payments, the score suffers. Similarly, when adverse judgments and collection agency activity are reported, the score decreases even more. Repeated delinquencies or public record entries can lower the score and trigger what is called a negative credit rating or adverse credit history.

Your credit score is a number calculated from factors such as the amount of credit outstanding versus how much you owe, your past ability to pay all your bills on time, how long you’ve had credit, types of credit used and number of inquiries.The three major consumer reporting agencies, Equifax, Experian and TransUnion all sell credit scores to lenders. Fair Isaac is one of the major developers of credit scores used by these consumer reporting agencies. The complete way in which your FICO score is calcualted is complex. One of the factors in your Fico score is credit checks on your credit history. When a lender requests a credit score, it can cause a small drop in the credit score.[9][10] That is because, as stated above, a number of inquiries over a relatively short period of time can indicate the consumer is in a financially difficult situation.

[edit] Consequences
The information in a credit report is sold by credit agencies to organizations that are considering whether to offer credit to individuals or companies. It is also available to other entities with a “permissible purpose”, as defined by the Fair Credit Reporting Act. The consequence of a negative credit rating is typically a reduction in the likelihood that a lender will approve an application for credit under favorable terms, if at all. Interest rates on loans are significantly affected by credit history—the higher the credit rating, the lower the interest while the lower the credit rating, the higher the interest. The increased interest is used to offset the higher rate of default within the low credit rating group of individuals.

In the United States insurance, housing, and employment can be denied based on a negative credit rating.

Note that is not the credit reporting agencies that decide whether a credit history is “adverse.” It is the individual lender or creditor which makes that decision, each lender has its own policy on what scores fall within their guidelines. The specific scores that fall within a lender’s guidelines are most often NOT disclosed to the applicant due to competitive reasons. In the United States, a creditor is required to give the reasons for denying credit to an applicant immediately and must also provide the name and address of the credit reporting agency who provided data that was used to make the decision.

[edit] More than One Credit History Per Person
In some countries, people can have more than one credit history. For example, in Canada, although most Canadians are not aware of it, every person who applied for credit before obtaining a Social Insurance Number has two separate credit histories, one with SIN and one without SIN. This is due to the credit reporting structure in Canada. This can lead to two completely separate parallel histories, and often leads to inconsistencies (although typically the person in question will never notice the inconsistencies), because when a lender asks for someone’s credit report with SIN, what the lender gets is different from what he would have gotten if he asked the report without providing the SIN. This is because, contrary to popular belief, when someone gets a new SIN for whatever reason, the two credit files are never merged unless the person requests specifically. As a result, a record with SIN zeroed out is kept separately from a record with SIN. Note this happens without the person even knowing it.

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financial freedom, money injection, the secret, credit repair, what is with all of these blogs?

Comments (0) | October 7th, 2009
Comments (0)
Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 12:53 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.

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Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 12:53 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.

We can assist you with all the following:
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Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 12:54 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.

We can assist you with all the following:
bad credit
bad credit auto loan
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bad credit card debt
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bad credit consolidation
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bad credit financing
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Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 12:54 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.

We can assist you with all the following:
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Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 12:58 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter.

We can assist you with all the following:
bad credit
bad credit auto loan
bad credit card
bad credit card debt
bad credit cards
bad credit consolidation
bad credit credit card
bad credit credit cards
bad credit financing
bad credit help
bad credit history
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bankruptcy credit
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business credit report
clean credit
consolidate credit card debt
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consolidation credit
consumer credit
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do it yourself credit repair
eliminate credit card debt
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fix credit
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fix credit score
fix my credit
fix your credit
fixing bad credit
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free credit repair
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get out of credit card debt
good credit report
help with credit card debt
house loans
how to fix bad credit
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how to fix your credit
how to repair bad credit
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mortgages
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personal credit repair
personal credit report
personal loans for bad credit
personal loans for people with bad credit
personal loans with bad credit
poor credit
poor credit credit cards
poor credit loan
poor credit loans
raise credit score
raise your credit score
rebuild bad credit
rebuild credit
reduce credit card debt
reducing credit card debt
remove bad credit
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repair your credit
repairing bad credit
repairing credit
restore credit
settle credit card debt
your credit report
money

Steven says:
Your comment is awaiting moderation.

October 17, 2009 at 1:25 pm
CMA financial Corporation is the real residential credit expert. Beware of imitators trying to say they are CMA or residential credit experts. The real CMA Financial Corporation is a Texas registered S-Corporation owned by Steven Palmieri. Beware of a site with the name of Robert Scroggins, Jennifer Floyd, or Wayne Sanford stating they are CMA Financial Corporation as this is an illegal infringement on the real CMA Financial Corporation.

If you want residential credit expert advice, repair, restoration, debt settlement, real estate questions:
email: spalmieri@cmafinancialcorp.com
CMA Financial Corporation – Incorporated in Dallas County Texas with an office in Addison, Dallas County, Texas
Please email Steven Palmieri at spalmieri@cmafinancialcorp.com if you feel as though you have been erroneously misled by a CMA Financial Corp Imposter. Some of the websites that are not legally associated with Texas-registered CMA Financial Corporation are: http://www.creditmanagementassociates.com
http://www.residentialcreditexperts.com
http://www.creditdalas.com
http://www.cmafincorp.com
http://www.hbcprogram.com
http://www.dacponline.com

We do business under the following names: CMA, CMA Financial, CMA Financial Corp., CMA Financial Corporation and can assist you with all the following:
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bad credit mortgage
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bad debt credit
bankruptcy credit
bankruptcy credit repair
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clean credit
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