People who froze their credit files before September may notice some changes when the time comes to thaw the files. As of Sept. 21, a new law requires that the three major credit reporting bureaus — Equifax, Experian and TransUnion — allow consumers to place or lift a security freeze on their credit files without charge. Freezing means lenders can’t check your credit file unless you “thaw” the freeze, preventing criminals from opening credit cards or borrowing money in your name. Consumer advocates recommend a freeze at all three bureaus as a way to thwart identity thieves. People who had already established security freezes, and now want to thaw them to apply for a loan or credit card, will see a difference. With the new law taking effect, two bureaus — Equifax and TransUnion — this month abandoned the use of personal identification numbers, or PINs, to manage freezes online. (PINs are still needed, though, if you want to lift a freeze by … [Read more...] about So you’ve frozen your credit files. Here are some tips on unfreezing them.
FILE- This June 10, 2015, file photo shows chip credit cards in Philadelphia. Instead of trying to use your credit card for everyday purchases, focus on establishing a history of on-time payments and responsible borrowing. The positive history you build now could pay off in the years ahead. (AP Photo/Matt Rourke, File) less FILE- This June 10, 2015, file photo shows chip credit cards in Philadelphia. Instead of trying to use your credit card for everyday purchases, focus on establishing a history of on-time payments and ... more Photo: Matt Rourke Photo: Matt Rourke Image 1 of / 1 Caption Close Image 1 of 1 FILE- This June 10, 2015, file photo shows chip credit cards in Philadelphia. Instead of trying to use your credit card for everyday purchases, focus on establishing a history of on-time payments and responsible borrowing. The … [Read more...] about Living with your first credit limit
A proposed regulation allowing entities to trade nutrient pollution "credits" among one another will go back out for public comment, the state's environmental rule-making body decided Friday. The Northwest Arkansas Nutrient Trading Research and Advisory Group has made substantial changes to its original proposal in response to the first round of public comments and will accept comments for 30 days on the revision. Nutrient trading allows for the exchange of nutrient limits between dischargers in the same watershed so that one entity that is well below its limits can trade with another entity that is above or concerned about going above its limits. The proposal requires that the trade results in a net reduction in nutrients within the watershed, which is the area around a body of water that drains into it. To trade with a facility or landowner that does not have a permit with numerically specified limits, the parties must calculate the outcome of the trade and document the calculations. … [Read more...] about Pollution-credit plan comment period set
"It's gettin' hot in here," crooned Charles Kelley as he wiped the sweat off his face. As our sweltering Florida summer plays on, Darius Rucker and Lady Antebellum brought their Summer Plays On Tour to the MidFlorida Credit Union Amphitheatre in Tampa for a Friday night of nostalgia.The country-crossovers and longtime friends are a perfect pairing — letting us relive a certain decade, romance, or just a darn good time.No question Rucker's voice takes us back to the '90s. The former frontman of Hootie & The Blowfish was always influenced by other genres. And after five country albums (and a Christmas one!), it's safe to say fans are embracing the second black artist after Charley Pride to find success in Nashville.Wearing a black Nike Golf T-shirt, the chatty frontman is basking in his much-deserved success. "I've been in Nashville for 10 years," he said to cheering fans. "I made more county records than Hootie records!"He cruised through his Nashville hits, opening … [Read more...] about Review: Darius Rucker, Lady Antebellum own the rainy Tampa night at the MidFlorida Credit Union Amphitheatre
Bill Moak Consumer Watch Published 1:15 PM EDT Sep 28, 2018 As of Sept. 21, consumers who want to freeze their credit reports to prevent possible damage from thieves can do so, free of charge. Back in December, I wrote about the various options for consumers whose personal data might have been compromised by the massive Equifax breach last summer (or any number of breaches that have occurred since). After that unprecedented incursion last summer, in which the credit-reporting giant revealed hackers had accessed its massive database containing information on just about every American (including about 1.3 million Mississippians), a lot of people had questions about what they could do to mitigate the damage. One problem was that the “Big 3” credit bureaus were inconsistent in whether they charged for freezing your credit. And the process was confusing, since freezing is just one of several possible avenues to deal with potential exposure of personal data. Simply stated, … [Read more...] about Credit freeze fees eliminatd with new law