College Credit Rating Section
College Credit Rating Article
Simple Way To Avoid Senior Fraud and Free Identity Theft Prevention
FREE IDENTITY THEFT PREVENTION
Be sure to protect both you and your loved ones identity and finances. It is really a simple process and it’s free. You contact any of the three national credit rating agencies and tell them your identification may have been compromised. You need to mark the date you called the credit bureaus because you have to continue to make these calls every 6 months or yearly. They will put an alert on your information and nobody can get credit in your name without the creditor calling you first for your approval. If your relative has moved make sure you list the new phone number. The Federal Trade Commission website and phone number is also listed below. The Department of Justice has a website below that is full of important information on this subject and other ways to protect your loved ones.
Equifax
P.O. Box 740250,
Atlanta, GA 30374-0250
888-766-0008
http://www.eqifax.com
Experian
P.O. Box 1017,
Allen, TX 75013.
888-397-3742
http://www.experian.com
Transunion
P.O. Box 6790,
Fullerton, CA 92634.
800-680-7289
http://www.transunion.com
Federal Trade Commission Identity Theft Clearinghouse
Ph: 877-438-4338
FTC’s free identity theft guide “Take Charge,”
http://www.consumer.gov/idtheft
DEPARTMENT OF JUSTICE
http://www.usdoj.gov/criminal/fraud/idtheft.html
Database Theft & Hacking
Keep your personal financial information off of corporate marketing databases to lower your risk that your information will be hacked and taken. To have yourself removed from many mailing lists for up to 5 years contact the association below.
DIRECT MARKETING ASSOCIATION
Mail Preference Service
P.O. Box 643 Carmel, NY. 10512
http://www.the-dma.org
SIMPLE WAY TO AVOID FRAUD
Elderly people are easy targets for con artists. The way these people get to the elderly to swindle them is by phone. You need to take fraud seriously because some elderly people get their whole life savings wiped out. They succeed in tricking the elderly out of their money because it is hard for them to hang up on telemarketers. Your loving elders don’t want to be rude and hang up.
Place your relatives phone number on the do not call list and after 30 days you won’t receive any telemarketing calls. Now if you do get calls, train your elder to immediately say, “I’m on the Do Not Call List.” Any reputable company representative will then discontinue any further chat and hang up. Teach your elder to hang up as soon as she tells them she is on the list. Their company could receive severe fines from government authorities. Now if she gets a call and they continue to talk after being informed that she is on the do not call list, you can be fairly certain that they will be talking to con artists and she definitely needs to hang up. After an experience like that she may have no problem hanging up the phone.
It occurs to me that some elderly people may stay on the phone because they are lonely and want somebody to talk to. Maybe we should call our relatives more often so they won’t be so lonely to have to talk to predators.
However, we should never underestimate our elders. I got a good laugh when an elderly gentleman I knew stopped a telemarketer in his tracks. Somebody from a newspaper or magazine called him trying to sell him a subscription. He lied and told the phone solicitor that he doesn’t know how to read. The telemarketer didn’t know what to say next, obviously embarrassed.
Don’t delay; call the Do Not Call List number now. You can also check with your State Attorney General for a state do not call list.
DO NOT CALL LIST
1-877-382-4357
Dale Adams was born in Decatur, Illinois in 1964, just on the edge of the baby boomer population. He started his publishing career as a newspaper boy for the News Gazette in Champaign, IL. He attended Chaddock Boys School in Quincy IL, and at the age of 18 was the Editor for the school newspaper. He attended Mac Murray College in Jacksonville, Illinois and Parkland College in Champaign, Illinois.
His many experiences include being a Security Consultant, General Contractor, Game Inventor, Energy Conservation Specialist and a Caregiver. When he was suddenly thrown into the position of a caregiver there were no informative practical books on this subject. It occurred to him that all of his life experiences are applicable and needed information for the current caregiver. Realizing the need he formed Majestic Publishers and is the author of this new book; “Care Giving Made Easy - How to be an Awesome Caregiver.” To learn more valuable information visit http://www.majesticpublishers.com
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