Credit Report Security Freeze

Posted on March 16th, 2008 by Sonya Smith-Valentine, Valentine Legal Group

A security freeze locks access to a consumer’s credit report and credit score. This helps to prevent a thief from using your personal information to obtain credit. If a consumer wants to apply for credit, they use a PIN number to unlock access to their credit report. Victims of identify theft can place a freeze […]

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Filed under: Credit Reports, Identity Theft

Universal Default Clause in Credit Card Agreements

Posted on March 16th, 2008 by Sonya Smith-Valentine, Valentine Legal Group

Credit card companies have been adding universal default clauses to the terms of credit card agreements. This will be very detrimental for consumers who are late on even just one payment with a different credit card or loan. The universal default clause allows credit card companies to pull your credit report on […]

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Filed under: Credit Reports