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Blog / October 2007
Experian's Court Loss is Consumer's Gain
Oct 8, 2007 by Tom Fragala
A very important decision recently in DENNIS v. EXPERIAN INFORMATION SOLUTIONS. This case, decided in favor of the plaintiff, established case law that transforms consumer credit rights related to the Fair Credit Reporting Act. Read more from Bob Brennan, name...
Opting-In After You Have Opted-Out
Oct 9, 2007 by Tom Fragala
You may recall my saga from a few months ago, where some of my banks accounts fell victim to fraud because two of my banks sent me convenience checks (which I never requested) on a home equity line and credit...
Experian Joins the Credit Freeze Party
Oct 16, 2007 by Tom Fragala
Experian is now going to offer credit freezes in all remaining US states where they do not offer it. Same pricing as Equifax and TransUnion, $10 a freeze, unless state law mandates otherwise. Tags: credit+freeze, credit+report...
TJX Data Breach Was Far Worse - 96 Million Accounts
Oct 24, 2007 by Tom Fragala
Court documents disclose that 96 million Visa and Mastercard accounts (credit and debit) were “impacted” by the TJX data breach. Jaw-dropping numbers, almost hard to believe. I wonder what they mean by “impacted.” Despite TJX having reported some 46 million...
FBI Announces Number to Report Wildfire Disaster Related Fraud
Oct 25, 2007 by Tom Fragala
Whenever there is a natural disaster, the fraudsters appear. The FBI issued a warning to the public concerning potential disaster related fraud schemes in connection with the recent Southern California wildfires, often fake charities. More information concerning potential scams is...
How Direct Marketers Get You to Opt-In After Opting Out
Oct 26, 2007 by Tom Fragala
The Wall Street Journal did a piece today on how direct marketers get around the do not call list (and other opt-outs like the DMA's direct mail marketing database). Basically a marketer sends out a mailing (a "reply card") with...