Intelius Blog is Journalism First, Marketing Second

http://www.peoplesearches.com/news/
Easton at BusinessBlogWire writes a review of the Intelius corporate blog today. Like Easton, I have some quibbles with style (the posts are awfully long). But it's a great example of the kind of "journamarketing" you could be doing.

Intelius helps people get access to public information through personal background checks and other services. They deal with a lot of complicated issues, and the people who work there become experts in that space. So they're using their blog to explain some of those complicated issues. It's really nothing more than journalism. There's no overt sales pitch for Intelius. For example, the blog has entries about what kinds of mistakes you might find in public records -- and whether it's a good idea to publicize the names of people who've received concealed-weapons permits.

You might think this is a silly thing for them to spend time on. But when people want to dig into public records, I'll bet they almost always go online first. So building a repository of information, dedicated to helping people track down public information, will pay off in the long run with more referral traffic and a better online reputation among people who might use Intelius' services.

Information about Intelius, Founded by Naveen Jain

Founded by Naveen Jain, Intelius well known in the information commerce industry helps clients make intelligent decisions about assets, people, and businesses. Intelius applies advanced heuristics to public and publicly-available information, delivering it on-demand and online to consumers and businesses to facilitate a more informed decision-making process in business and life.

Intelius ranks among the top 100 most trafficked Websites, with an average of one million unique visitors daily. The many products and offerings of the company include a set of comprehensive and customizable pre-employment screening services, a consumer-facing people search service, list management, and an award-winning identity theft detection, prevention and insurance service.

Intelius’ background checks have helped consumers make better decisions about the people, businesses and assets in their world, from potential dates to new neighbors.

People search by Intelius, has reconnected thousands of people with friends or relatives with whom they’ve lost touch. In the HR world, Intelius’ employment screening services enable companies to analyze candidates’ professional backgrounds, from drug testing and fingerprinting to criminal records, professional licenses and education verification, plus a best of breed SSN verification service.

These services have helped create leads and confirm data for millions of customers, in addition to giving them peace of mind and the ability to make better decisions by making use of valuable public information. The Intelius executive team consists of IT and Internet professionals, technologists, business providers, and security specialists, and is led by Chairman Bill Owens and CEO Naveen Jain.

Intelius makes security available at multiple levels, including the personal, technological, and operational levels. Intelius also protects customers’ personal names, credit card numbers, and social security numbers. Intelius’ Verisign certificate signals safe and secure web transactions.

Reference: Intelius.com
http://www.peoplesearches.com/news/

How to Correct Credit Report Errors

How to Correct Credit Report Errors

Introduction
It is important to stay on top your credit report. Not only is identity theft at an all-time high, but mistakes happen. Keeping up-to-date on your credit can mean the difference between getting a loan and losing it, obtaining a lower interest rate or being charged a higher rate, and being hounded by bill collectors for debts you never incurred. If you suspect foul play or discrepancies in your credit report, you need to take action.


1Step One
Request a credit report. It’s not enough to say, “I tried to get a home loan and was told that XYZ Company reported that I was delinquent on my payments.” You must get the facts, and the only way to do that is to obtain a copy of your credit report (see Resources below).

2Step Two
Review your credit report with a fine-tooth comb. Make sure the Social Security number, name and contact information is correct. Check each account to make sure the information reported is accurate: responsible parties, date card was opened, type of credit, credit limit, highest balance, recent balance, payment terms and account status.

3Step Three
Mark areas concerns as you read through your credit report.

4Step Four
Check your credit report against your statements. Sometimes, we forget to make a payment, so a delinquency may actually be accurate. Other times, a credit card company used a different name, so what you see on your credit report may appear inaccurate when it is really accurate. For instance, Firestone credit cards actually appear under Credit First N.A.

5Step Five
Contact the company in question if you believe something has been misrepresented on your credit report. You can either telephone the company or mail a letter of dispute to the address located on the back of your billing statement. Explain the error you discovered and how you’d like the error rectified. Include your account number, the date of discrepancy, the amount in question, your contact information and a copy of all documents that back up your claims.

6Step Six
Write the credit reporting agency, sending the same information in Step 5 in the form of a dispute letter (see Resources below). Each inaccurate account should be listed separately so as to not confuse the agency representative assigned to your case. You should also make it clear what you are disputing: account isn’t yours, account was closed years ago, account number inaccurate, negative information found on the report is not true, dollar amounts listed are wrong, responsible part has been removed from account, the account was never delinquent, the account was never sent to collections or the account was mistakenly sent to collections.

7Step Seven
Make copies of the dispute letter, credit report and statements, then file them into a pending action folder for easy access. It’s vital to keep track of your correspondences with both the company in question and the credit reporting agency.

8Step Eight
Deliver letters of dispute with accompanying documentation. Mail all letters according the guidelines listed on each company’s website, and request delivery confirmation.

Tips & Warnings
If you cannot get an issue resolved by following the steps above, contact your state attorney’s office. They can help you take appropriate actions to getting the issue resolved.
Always contact the company you have the dispute with since they may need to dig deeper to help resolve the issue. Once resolved, the company should contact the credit reporting agency to fix the error.

Reference: ehow.com

(CreditReportFile.com) and (CreditReportErrors.com) and (BestBackgroundCheck.com) and (BackgroundCheckDirectory.com) and (PeopleSearches.com) and (USPublicRecords.com) and (SocialNetworkingSecurity.com) and (SecurityInformation.com) and (IDTheftDefense.com) and (JobSearchAssistant.com)

Experian to Offer Credit Report File Freeze to Consumers Nationwide

Experian to Offer Credit Report File Freeze to Consumers Nationwide

Experian has announced that it will offer "the option to freeze credit reports to consumers nationwide. Beginning Nov. 1, Experian will allow any consumer across all 50 states, the District of Columbia and U.S. Territories to place a freeze on their credit report.

A credit file freeze prevents new creditors from accessing the credit file without the consumer's consent."

Experian's file freeze will be free to victims of identity theft. Unless state law mandates otherwise, there will be a $10 fee to institute, temporarily lift or permanently remove the freeze.

"Experian continually strives to provide consumers with effective tools to prevent and detect credit fraud, as well as to monitor credit information," said Kerry Williams, group president, Credit Services & Decision Analytics.

"Now that a national model for file freezing has emerged, Experian is offering this option to help prevent consumer confusion. Placing a freeze on a credit file is a major decision for a consumer.

It will be one option among a broad range of fraud assistance tools we already provide to consumers so that they may make the choice best suited to their situation."

Experian will continue to offer the placement of fraud security alerts on a credit file for consumers that may be victims of identify theft at no charge.

"A fraud security alert is a better option for many consumers who are concerned about financial fraud. A security alert informs credit grantors that a consumer may have been the victim of identity theft, effectively protecting consumers from credit fraud without taking the drastic step of removing them from the credit marketplace entirely," said Williams.

Tags » Credit Bureaus, Experian, Identity Theft

Reference: paymentsnews.com

(CreditReportFile.com) and (CreditReportErrors.com) and (BestBackgroundCheck.com) and (BackgroundCheckDirectory.com) and (PeopleSearches.com) and (USPublicRecords.com) and (SocialNetworkingSecurity.com) and (SecurityInformation.com) and (IDTheftDefense.com) and (JobSearchAssistant.com)

How to Clear Mistakes from Your Credit Report File

How to Clear Mistakes from Your Credit Report File

Introduction
Have you ever been horrified to discover errors on your credit report? Such inaccuracies can and should strike fear into any conscientious consumer’s heart because of their punishing consequences.

What consequences, you ask? Well, they can result in higher interest rates whenever you borrow money, and they can even affect your ability to qualify for credit, insurance, employment or rental housing.

To avoid such ominous scenarios, consider these tips for fixing mistakes on your credit report.

1Step One1.
Reflect on the ways errors can creep in. Sometimes automated processes take over and creditors send inaccurate information about people’s bill-paying habits to one of the major credit bureaus. In other cases, people’s identities accidentally get mixed up at the credit bureau when a staffer enters a Social Security number incorrectly. And sometimes people with fabulous credit histories become victims of blatant identity theft.

2Step Two2.

Check out your credit report. You can examine your credit report carefully all on your own without paying a dime. Order free annual reports from the three major credit bureaus (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com or calling 1-877-322-8228. (Note: This is the only place where you can get free credit reports once a year without any strings attached. The “free” credit reports advertised by other sources aren’t really free!)

3Step Three3.

Contact the credit bureau first. If you find mistakes in your report, take the matter up with the credit-reporting agency immediately. Rather than dispute the mistake via an online form, send a letter that includes your complete name and address, a description of each item you dispute, an explanation of why you dispute it and a request for deletion or correction of the information.

4Step Four4.

Keep good records. Along with your letter, enclose copies (NOT originals) of documents that support your position, as well as a photocopy of your credit report with the items in question circled. Send the letter and enclosures by certified mail, return receipt requested, so you can document what the credit bureau received. Keep copies of all correspondence, and jot down and save notes about each phone conversation you have.

5Step Five5.

Go to the source as well. You also should contact the creditor that’s attached to the bad information. You can send the creditor photocopies of everything you sent the credit bureau with a short letter that basically says, “I’m disputing this with you, too.” Once you’ve taken this step, the creditor should include a notice of your dispute each time it reports the information to a credit bureau.

6Step Six6.

Understand how mistakes should be handled. If the information is found to be inaccurate, the creditor must notify the major credit bureaus so they can make corrections. Disputed information that cannot be verified should be deleted from your file.

7Step Seven7.

Take a deep breath. Recognize that it can take months to clear up mistakes on credit reports – especially if more than one inaccuracy is involved. Once an error finally has been eradicated, order your free credit report again at your next possible opportunity and make sure that it hasn’t reappeared somehow. If it has, at least you won’t have to reinvent the wheel all over again. Just resend copies of all your documentation to the credit bureaus or the creditor – or all of the above – and point out the discrepancy.

8Step Eight8.

Be alert for telltale signs of identity theft. When you review your credit report, you might notice unusual details that may not impact your credit rating but that should raise eyebrows nonetheless. For example, if you spot an unfamiliar post-office box address in your name, a stranger may have hijacked your identity to create that address.

9Step Nine9.

Do you need help? Depending on the seriousness of what you find in your report, you just might need a help. The http://www.Creditreportchamp.com can be a good place to start the process of finding assistance.

10Step Ten10.

Think you’ve been a victim of identity theft? If so, file fraud alerts with all three credit bureaus: Equifax (1-800-525-6285), Experian (1-888-397-3742), and TransUnion (1-800-680-7289). Also file a complaint with the Federal Trade Commission online or by calling 1-877-438-4338, and close all accounts that were opened fraudulently.

Overall Tips & Warnings:
Never Gave your personal information over internet, check if they real first.

Reference: ehow.com

(CreditReportFile.com) and (CreditReportErrors.com) and (BestBackgroundCheck.com) and (BackgroundCheckDirectory.com) and (PeopleSearches.com) and (USPublicRecords.com) and (SocialNetworkingSecurity.com) and (SecurityInformation.com) and (IDTheftDefense.com) and (JobSearchAssistant.com)