Transunion Credit Sweep in 30 days or less! Credit Improvement done right!

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I network with lots of credit restoration professionals. Some utilize many different techniques to pull negative items of credit file from Equifax, Experian and Transunion!…
I have those who work and great at Equifax and Experian (the toughest bureau) and Transunion could possibly be a pain also…

Not just performed we work on this client’s credit, but we had been able to pull all products from taxation Liens to credit cards and recharged off records…we worked on all unfavorable things all at one time!

to begin with with your credit, please phone Gizzy at (973) 440-8661

Can Your Identity Be “Trusted?”

Are you aware of the new “credit freeze” laws that, as of November 2007, have been enacted in all 50 states? These laws allow consumers to place a “freeze” on their credit information. No new credit may be obtained and individual credit information cannot be released in any manner unless the freeze is removed by the consumer.

A recent competitor in the credit monitoring/consumer protection products and services arena is Trusted ID. This company offers credit monitoring, identity theft, and ID theft insurance as well as other resources to consumers independently and not through one of the three major credit reporting agencies of TransUnion, Experian, or Equifax. This business is located in Redwood City, CA and more information about the company may be obtained by calling 1.888.548.7878.

ID Freeze is the title of the service provided and its features include; credit card monitoring, stoppage of pre approved credit card offers; access to ID theft and restoration specialist, “Lender Double-Check; ID theft insurance and “CreditLock.”

What are these features and why are they important? By providing credit card monitoring; consumers are able to be informed of activity that may indicate that their credit card information may have been compromised, for example additional details regarding the security breach experienced by TJMaxx and Marshall’s and how it may have affected you. The stoppage of pre approved credit card offers is important for two reasons. First, credit reporting agencies are selling your information to the marketing database – your information that you must PAY to receive. Pre-approved credit card offers are also considered the leading cause of identity theft, so your removal from this service is more important that just saving you a few minutes of time going through your mail. It may save your credit.

Subscribers to TrustedID’s ID Freeze are also provided access to id theft and to a restoration specialist 24-7. Members may access their specialist via email or telephone, have answers regarding their credit or restoration concerns answered, and obtain sample letters, emails and other resources necessary to correct credit errors.

The three more unique aspects of this product are: “Lender Double-check,” a one million dollar ID theft insurance benefit and “CreditLock. With Lender DoubleCheck, credit lenders must obtain your approval by telephone before taking any action that can affect your credit. The companies of Equifax, TransUnion, and Experian are provided with a “note” to your account with instructions. The $ 1,000,000 identity theft insurance benefit through AIG and Lloyd’s of London; is offered because of Trusted ID’s confidence that you won’t need it once you use their service. The feature, “CreditLock,” is a service by which consumers prohibit the release of their credit information to third parties without their express permission. However, in the event the consumer is applying for new credit, they are required to release their credit information-basically turning the “lock” on and off.

This service also automatically provides you with your yearly credit report from all three credit reporting agencies; however, this benefit hardly deserves mention. All consumers have access to one credit report annually, however the benefit of this service is that the consumer is not required to make the request for the report. It is simply provided.

With the utilization of “credit freezing” your credit information is protected before anything happens. With other services you receive information after the fact and, in some cases, too late. Scott Mitic, founder of Trusted ID, stated to consumeraffairs.com that; “The credit bureaus are in the business of selling your data,” he said, {and} “Consumer information is the new gold standard, and we want to put the power back in the consumer’s hands.” This product gives consumers the ability to be proactive instead of responding retroactively,

Trusted ID features and benefits such as StolenID Search have been featured in such publications as Time, The New York Times, The Wall Street Journal, and Newsweek; online at CNNMoney.com and CNBC and are recognized by the Identity Theft Resource Center.

Other products also available include assistance to corporations and small businesses with data security breaches. This company also lobbies Congress for stricter rules regarding who can access in individual’s personal and credit information. Their first feature is offered free, and is a “StolenID Search,” an online tool where consumers may search by social security number or credit card number to see if their information has been compromised. The website and service also provides an identity theft resource center with facts and information; videos of victims of ID theft and frequently asked questions.

As of Jan. 2008, the price for this service is 104.95 for a yearly subscription, providing the subscriber with a $ 50.00 a year savings over many other service providers. Subscribers may also purchase the services of Trusted ID on a short term basis for $ 12.95 a month, with the subscription ending upon non payment or cancellation.

Take a minute, or five and visit Trusted ID online to determine if this is the right credit monitoring service for you. If it is, you are there and ready to sign up; if not you will have the information you need to determine what kind of service you do want and be able to knowledgeably compare plans and benefits.

Lisa Carey is a contributing author for Identity Theft Secrets: prevention and protection. You can get tips on Identity theft protection, software, and monitoring your credit as well as learn more about the secrets used by identity thieves at the Identity Theft Secrets blog

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Credit Monitoring By Equifax 3-1 Monitoring System

Equifax Inc. is one of the top three consumer credit reporting agencies, including Experian and TransUnion. Founded in 1899 as Retail Credit Company, by 1920 it had offices in the United States and Canada, and by the 1960’s protected millions of credit histories. It changed it’s name from Retail Credit Company to Equifax in 1975 and is traded on the New York Stock Exchange as EFX. It is a Standard and Poors (S&P) 500 company. The company corporate headquarters is in Atlanta, Georgia but it has over 4000 employees in 13 countries and reports $ 1.4 billion in revenue.

Equifax has had its share of criticism and has been fined by the Federal Trade Commission twice for violations of the Fair Credit Reporting Act. In the years prior to the Fair Credit Reporting Act, the criticism involved the extensive and invasive nature of the information that Equifax was gathering about consumers. At this point it was still called Retail Credit Company, and it gathered and sold information, whether true or rumor regarding private information such as marital status, employment history, sex life and political affiliation. Additional criticism occurred because of allegations that they were not only encouraging their employees to obtain this information by any means necessary, but they were also willing to sell it to anyone willing to pay.

This complaints and the advent of computerized records led to a hearing by the U.S. Congress on the subject of consumer information: what can be obtained and who it can be provided to. As a result the Fair US Credit Reporting Act was enacted in an effort to protect consumers from unlawful gathering of private and inappropriate information, as well as providing rules for the release of this information.

Equifax has been fined twice by the Federal Trade Commission for violations of the Fair Credit Reporting Act. The first instance involved all three major credit reporting companies (Equifax,Experian, and Transunion) for an amount of $ 2.5 million dollars for charges that they were not providing customer service during phone call inquiries for information and copies of a consumer’s credit report. Apparently they did not learn their lesson as Equifax was again fined the sum of $ 250,000 for identical infractions of the Fair Credit Reporting Act.

Recently Equifax introduced a 3-1 Monitoring System. For $ 12.95 a month, consumers will receive monitoring of their credit report for all three major credit agencies of Equifax, Experian and TransUnion; automated and customized alert notification of changes to any of these three credit agency reports; unlimited access to their Equifax Credit Report; $ 20,000 Identity Theft Insurance policy with no deductible although certain limitations and exclusions apply and a customer service center 24 hours a day, 7 days a week.

Several different additional services, like Score Power, are also available and vary in type and cost from $ 8.95-$ 39.95. ScorePower is one such service which provides access to your FICO or “credit” score (not all reports provide your score, just a listing of creditors and financial information); and explanation of that your score means, how credit lenders see your credit information; a comparison of your score and the ability to use the Equifax online dispute feature free to dispute errors on your credit report. An “Interactive Score Simulator” is also available allowing you to virtually determine how your future financial decisions (buy a house, car or add a credit card) may affect your credit score.

Some consumers may feel that the price of $ 12.95 a month ($ 155.40/year)
is not a good value for the money and services offered. Consumers should take into consideration that one free three agency credit report is available to them each year, however additional reports may cost approximately $ 10.00 each. The Equifax service does offer some advantages such as customization, wireless alerts, identity theft insurance and convenience.

Lisa Carey is a contributing author for
Identity Theft Secrets: prevention and protection
. You can get tips on Identity theft protection, software, and monitoring your credit as well as learn more about the secrets used by identity thieves at the Identity Theft Secrets blog

Find More Transunion Articles