All posts by Barbara Nevins Taylor

High Overdraft Fees Criticized

Overdraft fees may sound like a good idea, at first. But a new report by the Consumer Financial Protection Bureau (CFPB) found consumers who use the overdraft fee system end up with higher account fees and banks shut down their accounts more often than they close accounts of customers who don’t take the protection.

CFPB Chief Richard Cordray says, “Consumers need to be able to anticipate and avoid unnecessary fees on their checking accounts. But we are concerned that some overdraft practices may increase consumer costs beyond reasonable expectations. What is marketed as overdraft protection can, in some instances, create greater risk of consumer harm.”

 Confusing Fee Structure

The report found a confusing fee structure and overdraft rules that many may not understand. The average consumer who overdrew an account paid $225 in insufficient fund charges during the course of a year.

It’s not clear how the report will influence what banks do in the future.

WATCH A VIDEO

Watch ConsumerMojo.com’s video Overdraft Fees-No So Great

 

Timeshare Temptation Can Lead To Trouble

by Barbara Nevins Taylor

Vacation temptation time is here. You take a trip to Florida, Mexico, California, Arizona. Wherever. You love the sun, the beach, the sea, the golf course and start to dream about what it would be like to visit often. If you’re in a place with a lot of tourists, you’re likely to run into a timeshare sales person. We suggest you take a very deep breath before you do anything.

Timeshares may be a good idea for you, and they may not. The reality is that timeshares are often very difficult to resell and there’s an industry of shady characters charging hefty fees to help timeshare owners unload their investments.

First come the high pressure sales tactics to buy.

In Cancun, not long ago, we met a woman at the car rental office who didn’t seem like a sales person. She stepped out from behind a counter that made it seems as though she worked at the office. She came to chat me up on the sidewalk while I was waiting for my husband to get the car.  She was charming and gave great directions to Playa del Carmen. But she also suggested we stop at a timeshare resort and have lunch for free. I said, “We’re not interested. But thanks for all of your help.” She persisted. “Why not? What do you have to lose? It’s a free lunch,” she said.

There is no such thing as a free lunch.

The time share might have been okay, but my husband and I really weren’t interested and I’d heard enough horror stories to keep me driving right past the resort.

Federal crackdown.

The Federal Trade Commission and Florida consumer protection agencies are cracking down on companies that take advantage of timeshare owners who are desperate to sell.

The FTC says Resolution TrustResort Property, and Vacation Communication took more than $18 million from consumers throughout the country who tried to sell their timeshares. The FTC and Florida officials went to federal court to stop the companies’ alleged illegal practices.

Charles A. Harwood, Acting Director of the FTC’s Bureau of Consumer Protection, said, “Con artists take advantage of timeshare owners who have been in tough financial straits and are desperate to sell their timeshares. They persuade owners to pay fat up-front fees by saying they have someone ready to buy the property, but that’s a lie”

Beware of these sales tactics:

  • Scammers say they have interested buyers.
  • They ask for upfront fees-$300-$3,000.
  • They offer deceptive travel prizes that don’t exist.
  • They advertise via email, telemarketing, radio, TV and online.
  • The FTC has more information at: ftc.gov/travel including a  travel fraud game.

FOR MORE TRAVEL 

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RENTING A CAR IN MEXICO

 

 

readmoreHAWAII FOR A MULTI-GENERATIONAL VACATION

Debt Relief Crackdown

One debt relief company may be out of  business thanks to a crackdown by the Consumer Financial Protection Bureau (CFPB).  American Debt Settlement Solutions, Inc. (ADSS) and its owner Michael DiPanni, headquartered in Florida, allegedly charged consumers illegal upfront fees for debt relief services. The CFPB says hundreds of consumers in a number of states were charged $500,000 in fees and in most cases received no help.

The CFPB filed a complaint in federal district court against ADSS and plans to ask the court to put the company out of business and impose a $15,000 civil penalty fine. The company apparently can’t repay the $500,000.

“Today we are taking action to halt a debt relief company we believe has been preying on financially vulnerable consumers,” said CFPB Director Richard Cordray. “Consumers struggling to pay off a debt are among the most at risk and deserve better. We will continue to crack down on this type of harmful behavior.”

Here’s what ADSS is allegedly did:

  • Misled consumers by falsely promising them it would begin to settle their debts within three to six months when, in reality, services rarely materialized.
  • Enrolled consumers despite knowing that their income level made it highly unlikely that they could complete the debt relief programs.
  • Collected upfront “enrollment” fees from consumers who ADSS knew could not afford the monthly payments required by these debt relief programs, causing the consumers to spend their last savings on fees for services from which they ultimately would not benefit.
  • Failed to settle these consumers’ debts within the promised time, forcing many consumers to drop out of the program and forfeit their “enrollment” fees without having received any debt relief services.

There are many more companies like this one out there.

Watch ConsumerMojo.com’s video Avoid Debt Settlement and Credit Repair Companies

 

Happy Memorial Day

 

 

 

 

 

 

 

 

 

 

 

 

 

 

We honor our military members and their families for their service and dedication to our nation. It’s important to remember that people serve and sacrifice so that we can all pursue our dreams.

In 1922, Carl Sandburg wrote the poem Washington Monument by Night to honor George Washington.  And this stands out for me:

The republic is a dream.

Nothing happens unless first a dream

 

The flag on our house in Greenwich Village once flew over the Capitol in Washington, D.C.

Share your Memorial Day Flag photo with us and we’ll post it here.

Medicare Catch-22

by Barbara Nevins Taylor

It’s easy to apply for Medicare, unless it’s not. I wasted almost an entire day riding the New York City subway between the Social Security office and my union health and welfare office because a form didn’t ask the right question. At the end of the day, I was frustrated and furious.

If you apply for Medicare because you don’t have private insurance and you sign up for Part A (hospital coverage) and Part B (regular medical coverage) at the same time, the online process is pretty clear. But if you are like me and don’t need Medicare as long as your private insurance is in force — mine runs out at the end of June — it gets tricky.

My story is pretty typical. I turned down Part B because I didn’t need it. You have to pay a monthly premium based on your income. Most pay about $104 a month.

(To review Part A and Part B, you can read  Taking Care of an Elderly Parent )

I am covered by the SAG-AFTRA Health Fund as a result of my employment. The coverage continued for a year after I left my television news reporting job to create ConsumerMojo.com. And I was told by Social Security administrators that I wouldn’t have to pay a penalty fee to join Part B when my private insurance stopped. You have eight months to apply after your insurance runs out, otherwise there’s a penalty if you don’t join between January and March 3rd.

So, here I am with my insurance about to end and I try to apply online. Turns out, you can’t.

The  government website says:

Note
If you already have Medicare Part A and wish to sign up for Medicare Part B, please call 1-800-772-1213 (TTY 1-800-325-0778) or contact your local Social Security office.

I followed instructions.

I called the 800 number and a person agreed to send me an application. It arrived about a week later and the person had filled in my name and my Social Security number by hand in a shockingly unprofessional way.

(To know a little bit more information on Social Security, look at  Key Steps for Retirement Planning )

Medicaid Form sent to me

 

No instructions accompanied the form. But I remembered that the man I spoke with told me that I’d need a letter from my employer to explain that my insurance was ending. I headed to the Social Security office with my form, and letters that I had received from the union alerting me that I was about to be uninsured.

 

 

A security guard in uniform gave me a number and when it flashed on the board sent me to window 27. A clerk, separated from mortal beings by glass, motioned for me to pass my papers through a slot. I felt like I was in a convenience store in a dicey neighborhood and waited patiently while she examined the papers. She punched something into her computer, looked at the papers again and shook her head.

“This paper that they sent you doesn’t have the instructions on the back. You need another form filled out and  stamped by the employer,” she said.

“You mean the union, which offers the insurance?” I asked. She nodded and added the new form to the pile of papers she pushed back through the slot.

I took the subway from the Wall Street area to midtown.

At the union office, a human resources staffer filled out the form, but didn’t stamp it.  I thought that I was on top of things and explained what was required. “You mean like an in-take stamp?” he asked. “I guess,” I said.

By this time I was boiling over. I was sitting in a conference room with photos of famous TV stars. Jean Stapleton, who played Edith Bunker, smiled down on me. And in my head I heard Archie Bunker stay, “Stifle yourself, Edith.”  That’s exactly what I told myself.

I rode the subway back downtown with the stamped papers in my folder.

In the Social Security office, the security guard sent me back to the same window and I confidently slid the forms through.  The clerk began to enter information into her computer and then shook her head again. “I can put these through for you, but they will send them back. If you go to the doctor in July, you won’t be covered.”

I was confused. “But the form is filled out,” I said.  “Yes,” she replied. “But it says you are still working. This doesn’t say your insurance is stopped.”

I looked at the form and she was right. It asked “Has the coverage ended?” But it didn’t ask, “When does the coverage end?”  The union human resources staffer filled it out without offering an explanation because the question wasn’t asked and there wasn’t a place for an explanation.

Catch 22-2

“Can’t we just write it in?” I asked.  She shook her head. “You have to get your employer to write it in.”

“Okay. If I take this back to the union can they write in that the insurance ends and give the date?”

She nodded.

This was maddening. The Social Security office closed at 3 p.m., and I’d never get back in time. But I rode the subway uptown again and although most people in the union office were heading out early for the Memorial Day weekend, someone agree to handwrite the notation that my private insurance would end in 30 days.

The Social Security office was closed by the time that I had the form filled out with the notation. I plan to be the first person in line when the office opens again and I hope that the paperwork is finally in order.

In the meantime, my experience highlights a serious Catch-22 and points out an omission on the Medicare form that I hope the bureaucrats are attentive enough to fix. Good luck on that.

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Taking Care of An Elderly Parent


More than 43 mwillion Americans take care of someone over 50 according to the Family Caregiver Alliance. It’s a difficult job. I know it because I took care of my mom who died at 95-years-old  recently, and I  still take care of an elderly cousin. And like me, most care caregivers are women.

Gerontologist Faye Radding with the Met Life Mature Market Institute says their surveys show who carries the burden, “We know the average caregiver is 44, likely to be a woman, likely to be employed and likely to be a caregiver for four years. Caregiving is a special challenge that leaves people feeling isolated.  It takes them away from their friends and families and has them doing a lot of legwork finding service and delivering care.”

Support Groups

That’s why experts recommend enlisting help and joining support groups. Estate Attorneys, social workers and geriatric care managers are often very helpful for both you and your parent. They know the territory and they can see things clearly. New York City based care manager Joanne Lehman explains, “We’re objective observers and we can help to sort out what’s important and work with the parent or relative to get the best services and the most help for them”

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When to Choose Assisted Living 

 

Finding a Care Manager

  • “The National Association of Geriatric Care Managers website offers a search tool to find someone in your area. State and local offices of aging are also good resources because the federal government provides grants to states to assist with some services for older people.
  • BenefitsCheckUp.org is a great resource.  It has an easy to use tool that let’s you search your state and locality for benefits. The benefits often seem more complicated than need be.

readmoreAdvocate for My Mom

 

All About Medicare

So here is an explanation of what’s  available.

  • Medicare Everyone over 65 qualifies for Medicare health insurance.
  • Medicare Part A– Is free for most people. It covers hospital stays. It also covers limited nursing home care if someone is transferred from a hospital for rehabilitation. It also pays for limited at-home care for rehabilitation and end-of-life hospice care.
  • Medicare Part B– Requires a Premium. Most pay $99.90 monthly, but the price rises with your income. It covers a portion of doctors visits, outpatient services, medical devices and some home health services.
  • Medicare Part C– This is called Medicare Advantage. It’s managed by private insurers. You pay a monthly premium,, and it covers some things Medicare A& B do not. It may cover prescriptions, vision and dental. But it restricts you to the health care providers in specific networks.
  • Medicare Part D-Covers prescription drugs.  It’s run by private insurance companies. The cost varies depending upon the plan, the drugs and whether you use a network or the pharmacy of your choice.
  • Medicare Supplemental Insurance Plans– Cover what Medicare does not. It is extremely important. You pay a monthly premium and you can choose your own doctor, or provider.  You can also combine this with Medicare Part D to lower your monthly cost.

Medicaid

Medicaid is the back-up if you run out of money.

But there are strict income and asset limits. Each state sets income and asset requirements.

In New York State, for example, the income limit for one person is $14,250.

In New Jersey it’s about $5,000.

 

What Medicaid Pays

Attorney Stuart Schoenfeld explains, “Once you are able to establish Medicaid eligibility and go through the application process, your un-reimbursed Medicaid expenses will be paid.”

Medicaid pays for care at a nursing home, or you maybe able to get community based care in your home.”

Get Advice

Navigating this territory can be tricky and that’s why it’s a good idea to get advice from professionals who deal with the issues every day.  It will reduce your stress level significantly.

 

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watchmore  Assisted Living Quick Tips

 

readmore Pension Advance Investigation

 

 

 

Where Home Prices Dropped

If you’re in the market to buy a home and you’re flexible about where you can live, you might consider one of three Connecticut cities. Home prices dropped 3.5 percent in Bridgeport, Stamford and Norwalk. In contrast, home prices rose 1.9 percent during the past four months in most areas of the country according to the Federal Housing Finance Agency (FHFA) House Price Index (HPI).

watchmore Mortgage Fees to find out what you’ll have to pay to get a mortgage.

 

 

Advocate for My Mom

by Mary Russo  

My mother lived with my husband Dan and me for eight years before she left this world. It was a privilege to have her with us and I could write a book about the wonderful experience. But I also remember the challenges, especially the medical problems that required me to step in and become her advocate.

She was 89 and all seemed just fine, until she had a mild heart attack. During her recovery, her lungs repeatedly filled with fluid. Mom’s regular doctor was not on duty when we visited his practice.

The doctor who examined my mother said, “It’s the result of old age.”  She prescribed a very common diuretic, often referred to as a “water pill,” along with another heart medication. But about two weeks after my mother began the medication, red, itchy, swollen hives seem to take over her body.

Full disclosure here, I’m an RN and I generally pay attention to details about medication. I knew my mother was allergic to sulfa. But these were not sulfa drugs, right? I did research and was stumped.

My mom was itching and uncomfortable for two weeks and I took her to visit the doctor again. Her regular doctor didn’t think the medication was causing the reaction. And my mother didn’t want me to do anything that upset him.

Like a lot of other people in her generation she never questioned a doctor’s advice.

But I couldn’t let her suffer. I called a colleague who is a Doctor of Pharmacy. Sure enough, he said there was sulfonamide in the diuretic. I went back to my mother’s doctor with this information, and he said, “It was not likely the cause of her reaction.”

I politely but assertively suggested we try an older version of the diuretic that didn’t contain sulfa. This was the medication recommended by my friend.

I suggested that the doctor prescribe it just to be safe. It didn’t surprise me when the doctor resisted. After all, I was just a daughter and a nurse. I wouldn’t take no for an answer and the doctor agreed reluctantly.

This was the first time I bucked the medical profession and advocated for my mother but it wasn’t the last. The fluid in her lungs persisted, and I kept asking questions.  And then my mom developed a gastrointestinal problem and appeared to be dehydrated.

I called the doctor’s office to ask if she should stop the medication and a nurse told me the doctor wanted her to continue.  She seemed irritated and asked, “Don’t you think the doctor is the best judge of what you should do?” I said, “No,” and asked for appointment to see the doctor. We received an appointment for the next day.

But that night, we had to rush mom to the emergency room. Her physician really paid attention this time. He ordered a transesophageal echocardiogram and found the problem was a heart valve that would not close properly because the cords that held it in place had ruptured.

Mom didn’t have other health issues, so when the doctor suggested surgery it seemed like a good option. The other one was unthinkable. If she didn’t have the surgery, there was the possibility at some point she’d drown in her own pulmonary fluids. Because of my training and work in intensive care and cardiology, I was able to discuss the serious risks with her. She went into this with eyes wide open.

But still we were unprepared for the nightmarish incidents that occurred in the hospital prior to surgery because of inadequate medical or nursing interventions at critical moments.

Everyone needs an advocate

I won’t go into every detail, but I’m writing this because I think every older person who goes into the hospital needs someone to watch out for them and advocate with the medical staff.

Here’s what happened  

Mom was awaiting surgery. A nurse was supposed to prepare her with a shower the night before. But that never happened, so I helped her into the shower and heard her struggling for breath and gurgling. I found the nurse on duty and suggested my mother needed intravenous diuretics immediately because she was about to crash. T

he hospital couldn’t reach my mother’s doctor, I suggested they better get an order from another doctor in the ER. I was told they were changing shifts.

My mother was sweaty, clammy and losing consciousness. I was at my wit’s end and got very vocal. The respiratory therapist told me I was upsetting other people. You can imagine my response. 

Finally, a doctor ordered the IV diuretic. This was the same drug we suspected she was allergic to but there was no alternative. Nurses from ICU were called in, her doctor arrived and remained at her side until she stabilized. But the surgery was cancelled.

Within a couple of days she was able to leave ICU.  She then had a cardiac catheterization to find out if  her heart was strong enough for surgery after everything that happened.

Still more

And again, I found that paying attention and vigilance was really important. After this procedure, her blood pressure dropped. I mentioned this to the tech and he told me she was doing fine and was being returned to her room.

I left to pick up sandwiches in the cafeteria and my husband Dan stayed with Mom. In her room, Dan saw that her color seemed off and she was losing consciousness.

He immediately called for help. Her blood pressure dropped dangerously low because of bleeding in the femoral artery used for the catheterization. For the next few hours she peacefully drifted in and out. 

At one point she turned to us and said very calmly, “If this is my time, it is a good way to go.” I really thought this was it.  Miraculously, a few hours later, she turned the corner and started to improve.

Because she felt better, she still wanted the surgery that would stop the fluid from flooding her lungs. The surgeon agreed to perform a mitral valve replacement and double coronary bypass.

Mom spent two weeks in ICU. It was not a speedy recovery but each day she showed a little improvement. The staff and doctors were wonderful.

A potentially dangerous pill

She spent the next week on a regular floor, and one of us was with her at all times. It was a good thing.  She was prescribed a heart pill that only came in a150 mg. dose.  The nurse needed to break the pill in half for my mother’s dosage. But I had to intervene on three separate occasions to because a nurse was about to give her the whole pill.

Recovery  

There were little blips along the way, but mom went into rehab and finally came home to us. She recovered beautifully.

Wonderful years

Yet, I truly believe if we hadn’t paid close attention to the medical care, during this journey, she would have died. We would have missed the next six wonderful years with her. And they were great.

She enjoyed her family and friends, attended weddings of her grandchildren and met new great-grandchildren. The day before she passed on she played cards with her brother, had her hair done, polished her nails and did her exercises in the pool.

Her quality of life was really quite good at 95 years of age. We were all very lucky, but some of that luck we made ourselves by acting as her advocate.  

Tell us your story. We’d like to post it here on ConsumerMojo.com. View our video Key Steps for Retirement Planning and When to Choose Assisted Living for important tips. Like us on Facebook and Follow us on Twitter.  

Crackdown on Telemarketers

Telemarketing scams get quick access to consumers’ money by going directly to their bank accounts. Now the Federal Trade Commission (FTC) wants to end that practice. It has proposed new regulations that would stop the use of payment methods that con artists use to take advantage.

New proposal

  • Stop telemarketers from dipping directly into consumer bank accounts by using unsigned checks and “payment orders” that have been “remotely created.”  The FTC says this is the way telemarketers debit your account without your permission
  • Bar telemarketers from getting paid with traditional “cash-to-cash” money transfers, as well as “cash reload” mechanisms, that scammers rely on to get money quickly and anonymously from consumer victims.
  • Ban telemarketers from charging an advance fee for “recovering” money that consumers lost in previous scams.

Before the new rules can go into effect the FTC allows a period for the public to comment and that will last until July 29, 2013.

Tell us your experience with a telemarketer.  We want to investigate! 

 

Surprising Number of Elderly Live in Poverty

It is surprising, even shocking to learn that between 9 to 15 percent of  elderly Americans live in poverty. The recent debate about requiring Medicare recipients to pay more for medical care and the discussion about reducing Social Security’s cost of living adjustment provoked the Kaiser Family Foundation to do some research. It investigated where poor people over 65 live.

New poverty rate

It also considered a new formula created by the Census Bureau for determining the poverty rate of seniors. In 2011, the Census began to calculate poverty of the elderly by including actual expenses like medical care. The bureaucrats call the new approach the “supplemental” poverty rate.  And under the “supplemental” Kaiser researchers found, “The share of seniors living in poverty is higher in every state under the supplemental measure than under the official measure, and at least twice as high in 12 states: California, Colorado, Connecticut, Hawaii, Massachusetts, Maryland, Minnesota, New Hampshire, New Jersey, Nevada, Wisconsin, and Wyoming.”

Take a look a the maps.

 

 

 

 

Do you have a story to tell?  Do you know someone who is barely getting by.  Share that story with us.

 

Fraud Warning For Baby Boomers

 

 

 

 

 

 

 

 

 

 

 

 

We have a lot to forward to and unfortunately much to look out for.  The Federal Trade Commission‘s (FTC) Acting Director Charles Harwood told a congressional committee the FTC forecasts that scams aimed at baby boomers are an “emerging trend.”  And his testimony can serve as an early fraud warning for baby boomers.

Healthcare Scams

The FTC expects to see more and more frauds involving health care, the Affordable Care Act (ACA) and changes in Medicare that may confuse some people.  Typically, bad actors pounce on any change in Medicare and trick consumers into disclosing personal financial information, or persuade them to pay for worthless services.

The Commission recently issued a warning to consumers about scammers who offer to send out national medical cards or use the ACA as a hook to collect personal and financial information

This type of scam is expected to multiply.

Medicare Scams

A recent case brought by the FTC highlights what boomers should look for.  A company used high pressure, misleading sales pitches for an allegedly phony drug plan.  Telemarketers told consumers they were from the Social Security Administration and if the consumer didn’t sign up for the drug program, they’d lose their Medicare benefits. They were asked for bank information and were charged hundreds of dollars and received nothing of value in return.

3 Top Scams Aimed At Seniors

It seems that new con artists continue to use old tricks. The favorite scams targeting older Americans remain constant:

  • Work-at-home schemes – people eager to supplement their retirement income are targets of con artists who get people to pay money to buy into work at s0-called work-at-home jobs.
  • Prizes and lottery scams – scammers “alert” consumers by phone or mail that they’ve won a prize and have to pay fees to claim the money.
  • Identity Theft – in 2012, 19 percent of those who were victims of identity theft were people over 60.

Best Advice

  1. Carefully evaluate offers.
  2. Don’t let anyone pressure you into signing anything.
  3. Check with the government agency to see if what is being offered is the real deal.
  4. Do not give out your personal financial information.

 

Tell us your story. Have you been targeted by a scammer?

Watch ConsumerMojo’s video Key Steps for Retirement Planning and download the free guide.

Robocaller Stopped

Federal investigators are nibbling away at the robocalling problem, taking out one company at a time. The latest robocaller stopped was actually an enabler for telemarketers. It used “voice broadcasting” and computers to send pre-recorded messages from telemarketers to our homes. But it won’t be doing that anymore thanks to a settlement with the Federal Trade Commission (FTC).

The FTC settlement requires California-based CallFire and its parent SkyyConsulting, Inc.to stop making illegal robocalls. It charges that the company knew, or consciously avoided knowing, that their clients were violating the law. CallFire was also fined $75,000.

 

Tell us your robocall story.  We want to expose the bad guys making the calls.

Student Debt Map


Total outstanding student loan debt is now $986 billion according to the Federal Reserve Bank of New York‘s Household Debt and Credit Report.


 

Watch ConsumerMojo.com’s video How To Pay Down Your Student Loan

Watch ConsumerMojo.com’s video Employer Tuition Assistance

Credit Report Mistakes Matter

updated October 9, 2017

Credit report mistakes matter.  Many of us routinely ignore our credit reports although the Equifax breach put a spotlight on them. It seems like a hassle to request them and then review all the details. But it is essential to review them.  

A warning: the Equifax data hack made it more difficult to get your free credit report online and we explain why here.

 

Sample Experian Credit Report

But beyond the data hack, what’s on the credit report matters more than ever because employers routinely review credit reports to see what your payment history looks like. A mistake on your credit report can paint an inaccurate picture of you for a prospective employer. 

Whether we like it or not, a credit report is now used by a wide range of companies and individuals to evaluate whether they want to do business with us. Landlords, for example, often review a credit report before renting to a prospective tenant.

Mistakes creep into credit reports because of inaccurate reporting by creditor, or because they fail to update payment information about you.

These mistakes often go undetected and most of us don’t realize the short and long term consequences.  Checking your credit report is worth the effort and while you may not see immediate rewards, you’re basically taking charge of your financial history. 

Consider this is a matter of sticking up for yourself and making sure that the records about you are correct.

Consumer Advocate Joby Thoyalil of the New Economy Project, formerly(NEDAP) explains why you need to check your credit report.

Ignore the online ads and use annualcreditreport.com. This is a collaboration of the three top credit reporting bureaus: Equifax, Experian,TransUnion. Federal law makes it possible for you to check your credit report for free three times a year.

watchmoreHow to Fix My Credit-No Lies

 

watchmore How to Improve My Credit-The Truth