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C.I.A. CENTRAL INTELLIGENCE AWARENESS

C.I.A. CENTRAL INTELLIGENCE AWARENESS. THE FAIR CREDIT REPORTING ACT www.privacyrights.org. Central Intelligence Awareness. Your Personal Information. Your Personal Information. Central Intelligence Awareness. Your Personal Information. 1 Credit Report. 1 Credit Report.

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C.I.A. CENTRAL INTELLIGENCE AWARENESS

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  1. C.I.A.CENTRAL INTELLIGENCE AWARENESS THE FAIR CREDIT REPORTING ACT www.privacyrights.org Central Intelligence Awareness

  2. Your Personal Information Your Personal Information Central Intelligence Awareness

  3. Your Personal Information 1 Credit Report 1 Credit Report • www.annualcreditreport.com • www.freecreditreport.com www.creditkarma.com • Avoid companies that claim to repair credit • The best repair is to start using credit wisely • Three major credit bureaus • Equifax • Experian • Trans Union • Free copy of your credit report once every 4 months • FICO Score (Fair Credit Isaac Corporation) • Understanding FICO Credit Scores article • Largest Credit Score Deductions • -33 proportion of balance to loan amount too high • -32 lack of recent installment loans • -31 too few accounts with recent payments • -30 time since last account was opened is too short • -28 number of established accounts • -26 number of revolving accounts • -24 no recent revolving account balances Central Intelligence Awareness

  4. Your Personal Information 2 Medical Information Bureau 1 Credit Report 2 Medical Information Bureau • www.mib.com/html/request_your_record.html • Toll free number for requesting information 866-692-6901 • credit histories, medical conditions, driving records, criminal activity, and participation in hazardous sports, among other facts • most people do not have an MIB report Central Intelligence Awareness

  5. Your Personal Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 3 Lost Fortunes • www.unclaimed.org and www.missingmoney.com • collections of state governments working together to safeguard and return lost funds • 35 states participate in www.missingmoney.com Central Intelligence Awareness

  6. Your Personal Information 4 C.L.U.E. Report 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report • www.choicetrust.com • C.L.U.E. – Comprehensive Loss Underwriting Exchange • 5 years of loss reported on automobile and personal property • Property and Casualty agents often report phone conversations with insured even if no claim is filed – Always call and ask about ‘a friend’ Central Intelligence Awareness

  7. Your Personal Information 5 Driving Record 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record • http://www.driverlicense.utah.gov/pdf/certforms.pdf • Certified copies of driving record - $9.00 • Certified copies of accident reports Central Intelligence Awareness

  8. Your Personal Information 6 Personal/Employment Background Checks 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks • www.intellius.com Central Intelligence Awareness

  9. Your Personal Information 7 Free People Search and Public Information 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information • www.zabasearch.com • www.netsleuth.com • www.peoplesearch.com Central Intelligence Awareness

  10. Your Personal Information 8 Residential, Tenant History or Evictions 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information 8 Residential, Tenant History or Evictions • www.choicetrust.com – free copy once per year • for landlords • www.saferent.com • www.udregistry.com Central Intelligence Awareness

  11. Your Personal Information 9 Check Writing History 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information 8 Residential, Tenant History or Evictions • www.consumerdebit.com 9 Check Writing History Central Intelligence Awareness

  12. Your Personal Information 10 Automobile Purchaser Report 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information 8 Residential, Tenant History or Evictions 9 Check Writing History • www.carfax.com 10 Automobile Purchaser Report Central Intelligence Awareness

  13. Your Personal Information 11 Social Security Statement of Earnings and Benefits 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information 8 Residential, Tenant History or Evictions • http://www.ssa.gov/mystatement/ http://socialsecurity.gov/estimator/ 9 Check Writing History http://secure.ssa.gov/estimator/ 10 Automobile Purchaser Report 11 Social Security Statement of Earnings and Benefits Central Intelligence Awareness

  14. Your Personal Information 12 Identity Theft Monitoring Services 1 Credit Report 2 Medical Information Bureau 3 Lost Fortunes 4 C.L.U.E. Report 5 Driving Record 6 Personal/Employment Background Checks 7 Free People Search and Public Information 8 Residential, Tenant History or Evictions 9 Check Writing History 10 Automobile Purchaser Report 11 Social Security Statement of Earnings and Benefits 12 Identity Theft Monitoring Services Central Intelligence Awareness

  15. Your Personal Information DO NOT DISTURB Do Not Disturb Central Intelligence Awareness

  16. Your Personal Information 12 Telemarketing Do Not Disturb 12 Telemarketing • www.donotcall.com • renew every two years Central Intelligence Awareness

  17. Your Personal Information 13 Pre-Approved Offers for Credit Cards Do Not Disturb 12 Telemarketing 13 Pre-Approved Offers for Credit Cards • www.optoutprescreen.com • by phone 888-5OPTOUT or 888-567-8688 Central Intelligence Awareness

  18. Your Personal Information Do Not Disturb 12 Telemarketing 14 On-Line Privacy 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy Internet Security Safety Signing up for any internet service Using e-mail and list serves Browsing the internet Instant messages Social networks Personal web sites and blogs Managing financial accounts Online bill payments Online purchasing and selling Web ‘Bugs’ Behavioral marketing or targeting ‘Cookies’ http://www.consumerprivacyguide.org/howto/optout.shtml Central Intelligence Awareness

  19. Your Personal Information Do Not Disturb 12 Telemarketing 15 Direct Mail Marketing 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing • www.dmaconsumers.org/cgi/offmailinglist - $1 Fee Central Intelligence Awareness

  20. Your Personal Information 16 Catalog and Publishing Companies Do Not Disturb 12 Telemarketing 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies • optout@abacus-direct.com Central Intelligence Awareness

  21. Your Personal Information 17 Sharing of On-Line ‘Cookie’ Data Do Not Disturb 12 Telemarketing 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies 17 Sharing of On-Line ‘Cookie’ Data • www.networkadvertising.org Central Intelligence Awareness

  22. Your Personal Information Do Not Disturb 12 Telemarketing 18 Supermarket Loyalty Club Membership 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies 17 Sharing of On-Line ‘Cookie’ Data • Albertsons ‘Preferred Card’ or • Smiths ‘Fresh Values’ • Sign up under a generic name • ‘Grocery Shopper’ • Do not put down address 18 Loyalty Clubs at the Supermarket Central Intelligence Awareness

  23. Your Personal Information 19 Tax Assessor Public Records Not to be Used for Marketing Do Not Disturb 12 Telemarketing 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing PROPERTY TAX 16 Catalog and Publishing Companies 17 Sharing of On-Line ‘Cookie’ Data 18 Loyalty Clubs at the Supermarket 19 Tax Assessor Records • Opt-Out hotline (877) 774-2094 • Email optout@acxiom.com Central Intelligence Awareness

  24. Your Personal Information 20 Utah Kids Registry Do Not Disturb 12 Telemarketing 13 Pre-Approved Offers for Credit Cards 14 On-Line Privacy 15 Direct Mail Marketing 16 Catalog and Publishing Companies • www.utahkidsregistry.com • All Electronic Contact Points • Email, Cell Phone, Instant Message, etc. • Effective for two years 17 Sharing of On-Line ‘Cookie’ Data 18 Loyalty Clubs at the Supermarket 19 Tax Assessor Records 20 Utah Kids Registry Central Intelligence Awareness

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