PRIVACY + SECURITY BLOG

News, Developments, and Insights

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The Free Credit Reports That Aren’t Free

Free Credit Report

You’ve probably seen the commericals, which run incessantly on CNN and other cable channels. A happy young man says: “I’m thinking of a number . . . ” That number is a credit score, which you can obtain at a website called FreeCreditReport.com. You probably have heard that under a new federal law, credit reporting agencies […]

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Cell Phone Records For Sale

Cell Phone Records

The Chicago Sun Times reports: The Chicago Police Department is warning officers their cell phone records are available to anyone — for a price. Dozens of online services are selling lists of cell phone calls, raising security concerns among law enforcement and privacy experts. . . . To test the service, the FBI paid Locatecell.com $160 to […]

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FTC: Letting Experian Keep the Spoils

Free Credit Report

Suppose a company engages in an unfair and deceptive trade practice. It makes about $1 billion. The FTC investigates. A settlement is reached for a fine of $1 million and refunds to only some customers — yielding a net penalty of several million dollars — just a fraction of the spoils. That’s deterrence . . […]

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Free Credit Reports: My Exciting Adventure

Credit Report

Under the federal Fair and Accurate Credit Transactions Act of 2003, the credit reporting agencies must provide a yearly free credit report to individuals who request it. This was one of the benefits given to consumers by the law in return for extending the federal preemption of certain state law regulations. […]

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How Credit Reporting Agencies Are Scamming the Free Credit Report Requirement

Free Credit Report

This year, pursuant to the Fair and Accurate Credit Transactions Act (FACTA) of 2003, credit reporting agencies must provide people with one free credit report per year.   This is gradually being phased in this year.  People can obtain their reports from this website: https://www.annualcreditreport.com/cra/index.jsp. Earlier this year in his blog, law professor Eric Goldman discussed the difficulties and inconveniences he […]

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