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2. AnnualCreditReport.com - Wikipedia

   en.wikipedia.org/wiki/AnnualCreditReport.com

   AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.

3. Here's What to Do When You’re a Fraud or Scam Victim - AOL

   www.aol.com/heres-fraud-scam-victim-140000719.html

   The Federal Trade Commission received over 2.8 million fraud reports from consumers in 2021. ... Fraud alerts are free and last 90 days or ... TransUnion: 1-800-680-7289. Experian: 1-888-397-3742.

4. How to spot debt collection scams: 8 signs to watch out for

   www.aol.com/finance/spot-debt-collection-scams-6...

   Receiving a call, email or letter from a company purporting to be a debt collector can spark alarm. Before disclosing any information, look for these eight signs of a fake debt collection scam. 1 ...

5. Criticism of credit scoring systems in the United States

   en.wikipedia.org/wiki/Criticism_of_credit...

   Credit scoring systems in the United States have garnered considerable criticism from various media outlets, consumer law organizations, [1] government officials, [2] debtors unions, [3][4] and academics. Racial bias, [5] discrimination against prospective employees, [6] discrimination against medical and student debt holders, [7] poor risk ...

6. TransUnion - Wikipedia

   en.wikipedia.org/wiki/TransUnion

   TransUnion. TransUnion LLC is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including "200 million files profiling nearly every credit-active consumer in the United States". [4] Its customers include over 65,000 businesses. [5]

7. What is a credit privacy number? - AOL

   www.aol.com/finance/credit-privacy-number...

   A credit privacy number, or CPN, is a nine-digit number similar to a Social Security number. Companies may try to sell you a CPN with promises of avoiding bankruptcy, but this is a scam. Using a ...

8. Know your rights when facing credit card fraud - AOL

   www.aol.com/finance/know-rights-facing-credit...

   Many credit card companies offer zero-liability fraud protection if you report the fraudulent charges within 30 days. The Fair Credit Billing Act limits liability to $50 if you report the ...

9. Fair Credit Reporting Act - Wikipedia

   en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

   Kirtz, No. 22-846, 601 U.S. ___ (2024) The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of ...