PRIVACY + SECURITY BLOG

News, Developments, and Insights

The Free Credit Reports That Aren’t Free

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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Private vs. Public Sector Responses to Data Security Breaches

I just blogged about the massive data security breach by the Veterans Administration, affecting 26.5 million veterans. Bob Sullivan has a terrific post comparing the government’s response to its data security breach to that of the businesses that have had such breaches in the past: […]

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Free Credit Reports: My Exciting Adventure

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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Hurricane Katrina and Credit Scores

Bob Sullivan at MSNBC writes: A second storm surge may soon start slamming into Gulf coast residents hit by hurricanes Katrina and Rita. Mounting unpaid bills will lead to a surge of black marks on victims’ credit reports, say consumer advocates, sinking their credit scores. And now, they say, efforts to convince the nation’s credit bureaus to […]

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How Credit Reporting Agencies Are Scamming the Free Credit Report Requirement

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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