Fair and Accurate Credit Transactions Act

Consumer Credit: Too Easy To Fail What comes to mind when the term “credit” is used varies from person to person. Maybe credit means a pair of shiny new shoes, or just a fun shopping trip in general. Or maybe credit invokes stress when a pile of bills and late notices comes to mind. Or maybe, nothing comes to mind at all, because cash is king. Like everything, credit over the years has evolved. It has changed its face and grown into something much different from when it began. In today…

Theft in anyway has always been unethical in any human environment. Employee theft especially can have a huge effect on any business, corporation, establishment, etc. Theft acts as a cost directly incurred by an organization, employees playing the key variable in theft, can steal money, products or time. Theft can occur at any level of a business from the cashier that is still in high school to the CEO of the company. Theft is something a business wants to diminish as much as possible,…

Different types of background checks include a criminal records check, credit check, reference check, driver’s record check, and a social media check. In considering an applicant’s criminal history, employers will gather information in one of two ways: applicant self-reports on a job application or a criminal history check conducted by an outside vendor. An employer must consider the relevance of the offense to the position being applied for or currently holding, to include severity,…

identity theft we must educate ourselves on the value of our personal data because only then we can learn the habits necessary for maintaining good credit. Not knowing the consequences of handling our personal data irresponsibly is the leading cause of identity theft. I have witnessed my father engaging in such irresponsible actions that led to his bad credit and significantly affected his life. My father has always been losing his wallet once every few years, he carried all of his cards in it,…

Your credit score is a three-digit number that can have a positive or negative effect on your financial future. It is a lot easier to get approved for a mortgage and take out a loan if you have good credit. In some cases, having good credit can make it easier for you to get a job. There are many ways that you can hurt your credit. Fortunately, even if you have done things to hurt your credit, there are ways that you can get it back on track. Below is a list of things that can hurt your credit…

customers’ personal information. This document sets out our privacy commitment to our customers (referred to as you below). This policy also includes provisions relating to credit reporting, that is, it covers additional information on how we manage your personal information collected in connection with a credit application or a credit facility (if such information is collected). It is important to us that you are confident that any personal information we collect from you or received by us…

“Managing My Money” In order to live a safe, happy, and healthy life, you need to manage your money. It seems simple like instead using your savings to buy a new, cool gadget, you’ll use your savings to buy a book that you need for class or bus tickets for transportation to get about places, but managing money is much more complex than that. It not just planning how you’re going to spend money on the things you want and the things you need. It’s about how you’re going to spend on expenses…

speech that would constitute harassment. What private employers cannot prohibit is speaking on behalf of yourself and coworkers in order to improve work conditions or for objecting to an illegal condition of activity. The National Labor Relations Act (NLRA) restricts an employer 's right to limit workers ' communications about wages, hours and the terms or conditions of employment during non-work time in non-work areas. It is significant that many of the NLRA 's provisions are applicable to…

Credit for a Living College is the stepping-stone to the “real-world” that commonly gives students their first taste of independence. Although it may not have hit the mind of some students yet, establishing a line of credit is a vital part of that independence. This is a great time to learn how to establish a healthy line of credit that will benefit and guide you to better financial decisions. Without the knowledge and understanding of credit, mistakes can only lead to a costly path in the near…

known to steal your mail in order to gain access to your personal information. It is also recommended to routinely order your credit reports. Note that the Federal Trade Commission launched a website (http://www.annualcreditreport.com) where all consumers can get a free copy of their credit reports. If you find any discrepancy on your credit report, inform the respective credit bureau immediately. Tip#5: Make copies of your important personal and financial documents. If your purse or wallet…