National Memberships We now have membership affiliations with PROTECT.ORG. We are now participating with the Office of Victims of Crimes (OVC) and the National Organization for Victims Assistance (NOVA), the Federal Trade Commission (FTC), and Consumer Union in expanding educational awareness for both victims and non-victims of "Identity Theft". We are now pursing further affiliations with several national organization which specialize in "Protecting Children".
We are also drafting several federal laws that will protect our children and also change some existing laws so all American consumers can have access to the "Quick Thaw Provision Law" that is currently available to all residents of Texas. "Identity Theft Victims" are still experiencing major delays in the restoration of their identites.
Delays in filing of police reports, not reporting the crime to the FTC, not reporting the breach and/or the stealing of your identities to the three national credit bureaus and to other applicable state or federal agencies, only allows the "Identity Thief" to do further damage to your financial data.
FIGHTING BACK AGAINST IDENTITY THEFT (Courtesy of FTC)
Our organization has teamed up with the Federal Trade Commission and their partners with "OnGuard OnLine" to help fight Internet Fraud, Scams, and Identity Theft by educating your employees, members, constituents, friends, and customers about safer computing.
The Federal Trade Commission (FTC) maintains OnGuardOnLine.gov with contributions from the following partners:
Federal Trade Commission Homeland Security
United States Postal Inspection Service Department of Commerce
National Consumer League Direct Marking Association
WiredSafety.org The SANS Institute
The National Association of Attorneys General Better Business Bureau
We have also teamed up with "Consumer Union" in fighting "Identity Theft" issues at both state and federal levels across America. Here is some of the fights we have won this past year:
Minerva Novoa, Internet Advocacy Coordinator
Great news! Together, we're putting the kibosh on identity thieves. In roughly one year, consumers like you sent more than 420,000 emails to lawmakers across the country asking them to pass strong identity theft protections.
Due to these efforts, 25 states have passed laws protecting consumers. Last week, more than 1,500 consumers from 49 states and the D.C. called their representatives and asked them to "Vote No" on HR 3997, a do-nothing identity bill. The effort paid off as the House delayed a vote on the bill! Help us kill this bill once and for all. Find out how you can help! (Courtesy of Consumer)
Un video de 10 minutos que presenta una panorama general del tema e indica los pasos que pueden tomar los consumidores
BLANK CHECK FROM CREDIT CARD COMPANIES. GOOD OR BAD (Consumer Union)??
CONGRESS'S 20 YEAR FAILURE IN PASSING CREDIT CARD REFORM PUTS AMERICA'S FINANCIAL SECURITY AT RISK
Unexpected credit card "gotchas" can cost you thousands! You pay your bills, but the bank can change your interest rate and terms at any time, so you pay more, even for purchases you've already made. You mail the bill before it's due, but get hit with a late fee anyway. You sign up for a 7% interest rate, but it skyrockets to 30% if you bounce a check, go over the limit, or miss payments.
The GAO just released a study confirming what consumers have already experienced. There's momentum for reform and a new Congress seeking proposals that will make a real difference.
I take responsibility for my credit card payments. So I expect the credit card companies to do the same. I expect an END to:
* late fees if my bill payment is postmarked by the due date; * retroactive interest rates - changes that apply a higher interest rate to charges I made under the old interest rate; * interest rate increases due to a late payment I made on some other debt; * over-limit fees if my credit card company has pre-approved the charge; * "elastic" contract terms that allow credit card companies to change terms for any, or no, reason.
* Each bill should update me about the financial result of making a minimum payment--how long it will take to repay the balance and how much it will cost in interest; * The pricing disclosed in the contract and in my bills must be simpler and easier to understand.
Finally, if I can't always understand my credit card contract, how can I expect my teenaged children to understand? Congress should protect young consumers from marketing practices that place them at risk of crushing debt that can ruin their financial futures.
It's time to bring some fairness for consumers into the credit card marketplace.
Bills like S. 499 (the "Credit Card Accountability, Responsibility, and Disclosure Act"), S. 393 (the "Credit Card Minimum Payment Warning Act of 2005"), S. 2655 (the "Credit Card Reform Act") and H.R. 3492 (the "Consumer Credit Card Protection Act") offer these kinds of protections. Don't let another year go by without acting on this important issue.
The above information is provided by Consumer Union. Please click on the Christmas Card and send a letter to your U.S. Senator's and Representatives in Washington D.C.
† Copyright 2003-2013, Wilson Unlimited Partners, L.L.C. All rights reserved†
You can send your ID Theft Victim Stories to : Identity Theft Victims U.S., Attention: Victim Stories, P.O. Box 2723, Wylie, TX. 75098-2723