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...most effective way to keep your identity clean is to check your credit reports once or twice a year. There are three major credit-report outfits: Equifax (at equifax.com), Trans-Union (www.transunion.com) and Experian (experian.com). All allow you to order reports online, which is a lot better than wading through voice-mail hell on their 800 lines. Of the three, I found TransUnion's website to be the cheapest and most comprehensive - laying out state-by-state prices, rights and tips for consumers in easy-to-read fashion...

Author: /time Magazine | Title: How to Avoid Identity Theft | 12/2/2002 | See Source »

GIVE THEM CREDIT Starting this week, consumers will have Internet access to their credit scores. That's your three-digit loan-risk index, once seen only by lenders. Equifax, the largest U.S. credit reporter, and Fair, Isaac, which devises scoring, will offer for $12.95 a credit report, the same credit score lenders use and explanations of how it works. Rivals Trans Union and Experian are developing scores for consumers as well. Consumer advocates still hope Congress will make credit-score disclosure mandatory...

Author: /time Magazine | Title: In Brief: Mar. 26, 2001 | 3/26/2001 | See Source »

KNOW THE SCORE Credit scores (the three-digit indicator of your loan risk, available only to lenders) may soon become much more accessible. A California law passed this fall requires the main credit bureaus, Equifax, Trans Union and Experian, to honor consumer requests for credit scores. Now these three are considering making scores and explanations accessible nationally. Congress has also begun looking at a requirement for greater openness--one more factor pushing the bureaus to open...

Author: /time Magazine | Title: In Brief: Jan. 15, 2001 | 1/15/2001 | See Source »

...free, from Glen Roberts' famous Stalker's Home Page. He'd obtained it through a private investigator and published it a few months ago. Armed with that golden nine-digit key, I paid Find a Friend $40 to rush me the top portion of her credit report from Equifax. I'd lend her money, if I had any left...

Author: /time Magazine | Title: MY WEEK AS AN INTERNET GUMSHOE | 6/2/1997 | See Source »

...Public uproar forced Lotus Development, a software manufacturer, and Equifax, a company that compiles financial information about individuals, to shelve their scheme to market a data base that would have allowed anyone with a personal computer to purchase a list of names, buying habits and income levels of selected households. The system would have permitted small businesses such as dry cleaners, pharmacies and pizza take-out restaurants to get a bead on their local customers...

Author: /time Magazine | Title: Assaulting Our Privacy: Nowhere to Hide | 11/11/1991 | See Source »

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