Start Fixing your credit today!!!  The only thing you legally need to supply the credit bureaus for a copy of your report is your name, your social security number and a legal mailing address (P.O. Box is a legal address). If you don't want to chance harassment by creditors at this time, it may benefit you to acquire a P.O. Box. Did you know that many of the collection agencies are owned by the credit bureaus?

Six Easy Ways to Protect Your Privacy
Author: Myrtle Welch
Are you concerned about the expanded capability that exist
to collect, store and use data about our personal,
financial and Medical histories? Here are a few ways to
help protect your Privacy.

1. Credit Records
Get a copy of your credit report at least
once a year. Check for inaccuracies and correct mistakes
before you apply for a job, credit or insurance. Three
major credit reporting systems are Equifax, Experian and
Trans Union. Negative information must be re-verified
within 30 days after your request or the error will be
remove from your file. Go to `Online Resources' and look
under Consumer Law for contact information.
http://www.prepaidlegal.com/info/mwelchco

2. Medical Records
Ask for a copy of your file from the
Medical Information Bureau . Information from this data bank
is shared by insurers and helps them guard against fraud.
Verify the accuracy and completeness of your records with
your healthcare provider. The address for the MBI is at the
website.

3. Incentive Programs
Provide only necessary information on incentive, rebate and
warranty program forms. This data can
be used to create mailing lists that are then sold to
marketers. Returning warranty cards is beneficial so
manufacturers can warn you about product warnings and
recalls. Request in writing to opt out of any of their
marketing programs.

4. Telecommunications
Try to opt out of caller identification services. Caller ID
allows you to see numbers
before you pick up the phone - you can choose not to answer.
There are blocking mechanisms to prevent your number from
being displayed when you phone out. Be aware that when you
dial 800 and900 numbers, the firm may match your number to
your name and address to add to customers lists for
marketing.

Cellular and cordless phone conversations are easily
monitored. Do not reveal credit card numbers or other
personal information when using these phones.

5. Direct Marketing
Ask organizations you do not wish to
receive mail from to remove your name from their lists.
Contact the Direct Marketing Association to have your name
removed from the lists of DMA members. Hit the `remove' URL
from unsolicited email and block the address.

6. Identification
Do not permit merchants to record your
credit or charge card number on personal checks. Exceptions
are special purposes that you have pre-approved, such as
emergency check cashing. Do not write your telephone number
on credit or charge card slips.

For additional ways to protect your privacy as a consumer,
contact your local or state consumer protection agency.
Addresses and phone numbers can be found at the website.

About the Author

Myrtle Welch is an Independent Associate with Pre-Paid Legal
Services Inc. Mailto: mwelchco
Low cost legal plans are available for individuals,
families, business and groups. Access the FREE Consumer
& Business Legal Resource Centre at
http://www.prepaidlegal.com/info/mwelchco
Other Articles mailto:lemonlaw

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