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TransUnion wants to alert cell and smart phone users about this scam.  It doesn’t matter what type of phone you have, which carrier you use, or check credit score free Fairbanks what platform you are on, this scam can attack any of check credit score free Fairbanks them. In July, a similar check credit score free Fairbanks scam was reported by credit unions from around the country.  Credit union members received text messages from ”Credit Union Services” to call a number to have their card reactivated. There were several different phone numbers provided. If you get a voicemail or text like either of these, don’t call the number on the message.  Instead, call your credit card company using the number on the back of your credit card.  This is probably a scam.

You should never respond to a request for your personal information check credit score free Fairbanks on the internet or phone, unless you are certain of the source.  Financial institutions and credit card companies don’t ask for your personal information via the internet or phone, so don’t provide that information. If you initiated the call and trust the source, check credit score free Fairbanks provide the information. free credit reporting agencies  If something doesn’t check credit score free Fairbanks seem right, don’t give out any personal information. If you have given out your account information or received this scam message, you may want to get your credit report, place a fraud alert or credit freeze on your credit report.  To receive a free copy of your credit report go to www.annualcreditreport.com  and order a credit report from all three credit reporting agencies – Equifax, Experian and TransUnion.  Review your credit reports for any new accounts that have been opened that you didn’t approve.

To  place a fraud alert or credit freeze on your credit report at each of the three credit reporting agencies, use the contact information below: Equifax: www.check credit score free Fairbanks equifax.com or (800) 525-6285 or (888) 766-0008 Experian: www.experian.com or  (888) 397-3742 TransUnion: check credit score free Fairbanks www.transunion.com  or (800) 680-7289 John Ulzheimer is the President of Consumer Education at SmartCredit.com, the credit blogger for Mint.com, and a Contributor for the National Foundation for Credit Counseling.  He is an expert on check credit score free Fairbanks credit reporting, credit scoring and identity theft. free credit report identity theft Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit check credit score free Fairbanks industry.  Follow him on Twitter here. Recently, Wells Fargo announced that as of October 14, 2011, they will begin to test a $3 monthly charge for checking account customers that use their debit card. This fee is in check credit score free Fairbanks addition to other monthly checking account fees. Customers that don’t use their debit card won’t have to pay the monthly fee. The pilot will be conducted in five states – Georgia, Nevada, New Mexico, Oregon and Washington. Their decision was based upon the Durbin check credit score free Fairbanks Amendment of the Dodd-Frank Act which lowered the debit card transaction fee merchants pay banks from $.44 to $.21.  The Durbin Amendment will become effective on October 1, 2011.

Read the rest of this entry If youre looking for credit, be wary of some gold or check credit score free Fairbanks platinum card offers promising to get you credit cards or improve your credit rating.

While sounding like general-purpose credit cards that are accepted most anywhere, some gold or platinum cards permit you to buy merchandise only from specialized catalogs. free annual credit report federal government