Original Essay Paper

Article by Kelvin Brown

Writing of original essay paper is the promise of any online essay writing company. Most of students get problem when writing their essay paper because of one or another reason. Students are assigned numerous assignments which they are supposed to submit within a limited time. They are forced to order their essay paper from online essay writing company. There are thousands of essay papers writing companies which offer students with writing services. Out of those essay writing companies, there are those which aim at making money rather than providing students with essay paper services. To determine which essay company do not provide you with genuine essay services have become one of the greatest challenge to students. Students are advised to buy their essay papers from companies which have experience and have been proved by international essay rules. On the other hand students who are price sensitive should stop purchasing their essay paper such essays, research papers and others from those companies. Out of the numerous essay writing companies which are in the writing industry, we are the best company which provide students with premium essay papers. Our essay writers will provide you with fast and quality essay paper help. We are one unique essay writing company because we offer our students with thorough training before they start their essay paper writing. More than 10000 customers purchase their customized essay papers from our essay writing company. Unlike other essay paper writing services, we have all current materials and technology to use when writing your academic papers such thesis paper, review paper and speech paper. We shall provide you with fast essay paper because our writers have experience in writing different essay papers of different academic level. Plagiarism is a not a common word of which student complain about. This is because we provide our editor with software which they use in checking issues of plagiarism among other. Where can you get quality and cheap essay paper? Our essay writing company will provide you with quality and affordable essay papers written according to your specifications. Students who usually fail their exams are due to combing exams and writing their essay papers. To relief stress of spending sleepless night, our essay writing has provided you with essay writers who will assist you in writing custom essay paper. They will provide you with essay paper writing tips so that you can get knowledge of how essay papers and other academic papers are written. We do provide you with essay papers for money. We are the company which provides students with quality ground of education and by thus we have an international market because students in all parts of the world. We provide you with quality essay papers at an affordable price.Who will help me do my essay paper? Who will help me write my essay paper? We shall provide you with custom essay papers. More than 500 essay writers are employed in order to ensure that our customers have their services at the cheapest rate. We have essay writers who will provide you with essays which are free from plagiarism. This is because your orders are written from the scratch. Visit our company and make order of essay papers and then wait services from professionals.

Author is associated with ResearchPapers247.com which is a global Custom Essay Writing and Term Paper Writing Company. If you would like help in Research Papers and Term Paper Help you can visit Essay paper

How to write an essay and application essay straightforward.

Article by Sarah Parker

Application Essay is an art of writing. It is very essential for people to know on how to write an essay. Professional writers who offer a finest essay writing service rarely available in this world and they are very unique in the kind services offered. But nowadays for most of the students and academic peoples, they are not well efficient in writing essays, but our writers are well versed in writing essays as every writer are professionals in this respective field of writing. Their writings are very professional in providing the essay writing services, everyone are very passionate about writing, the zeal for knowledge and hold the maximum responsibility when the writers take up a project with them and finishes it with utmost sincerity. Once you have placed an order with them, you can also be involved in the project and this facility might not be available with most of the writing service providers. So, you can make sure that you can co-ordinate with the writer and you can get the same work what you expect from them. So you can be confident in the service provided and you can get the excellent service offered by them. The key to essay writing is the ability to select the topic while thinking on how to write an essay and selecting the appropriate title to the topic. There must be some little research that has to be done before starting to write articles so that you can frame a well structured essay. After choosing the essay topic and title, you must prepare yourself to decide upon the arguments or points that you are going to focus throughout the essay topic. Initially while writing an essay, an initial draft is prepared which would be an outline frame to the main essay on which you would be developing the main essay content. So during the next draft, essay will look fine with all the required ingredients which make the essay a perfect blend. After the first draft, we can proceed with the second draft and it is again revised with text and formatting to finish the essay with the final draft.

Application essay is another form of essay which makes it essential for those who try to enter universities with their writing skills. So, it becomes important to know about writing application essay, as it crucial for students to get along with the entrance gate towards their career goal.

What makes an exceptional application essay is that one should use their own thoughts included in the essay rather than including other person’s thoughts and you mustn’t use any big word as it would make the essay deviated from the main thought. The essay should be creative and interesting. The person reading your essay should become enthusiastic while reading your essay. One must use simple sentences and you can include many of your personal comments as a good essay requires it. The sentences constructed should be simple precise and understandable. So if you need to write an application and if you have any doubt on how to write an essay places your valuable order with them.

This piece of writing on Application Essay and How to write an essay is written by one of renowned author of many research books named Sarah Parker.

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Writing College Essay

Article by Kelvin Brown

Majority of the students find it difficulty to write college essays. This is because the students do not knows the format to follow when writing academic essay. Students are supposed to follow a certain format when writing their academic essays. Most students have preformed poorly because they do not follow the guidelines and format when writing college essay. Also, the students do not have the right material to use when writing college essay. The students are required to use different sources like journals, articles and books when writing their essay. Lack of enough material has influenced the quality of work and students performance. Instructors encourage students to use different sources so as to make their work valid. The instructors grade students essay according to the number of sources used. Students who use invalid sources get low marks. Students who use relevant sources get high marks. Lack of sources and clear format has made essay writing a difficulty task for many students. The students prefer to get their essays from companies that offer custom essay writing. There are numerous firms that offer essay writing, but most of them are not ethical. The firms offer low quality essay writing services. A custom writing company should have various qualities so as to be able to offer essay writing. The company offering essay writing should have qualified writers. The writers should be able to write essays according to the format required. Most companies offering essay writing do not have the right writers. This makes it difficulty for the company to offer quality essay writing services. An essay has various parts. For example, an essay has an introduction body and conclusion. The writers offering essay writing should be able to include the necessary parts. In the introduction, the writers should state the purpose of writing the essay. Also, they should give a brief overview about the essay topic. The essay should have a thesis statement. This will help the reader understand the essay. So, the company offering essay writing should ensure the essay meets students requirement and instructors needs. In the body, the writer offering essay writing should state the main points. Then the writer should support the main points using relevant content. For example, the writer should use only strong points to support the content. This will make it easy for the writers to write relevant content. The points should be discussed in details. In the conclusion, the author should state the thesis and summarize the content of the essay.Apart from including the necessary parts, the writer should ensure the essay meets other requirements. The essay writer should ensure the essay has focus and logical. Also, the essay should be clear so as to make it easy for the reader to understand. This will enable the custom writing company to offer quality essay. The writers offering essay writing should structure the contend t of the essay well. This will enable the company offering essay writing to guarantee students good performance.The company offering essay writing should be legitimate. This will allow the company to comply with the rules governing essay writing. Most students by essays from companies that offer quality essay writing services and are legitimate. The company should be able to offer essay writing services 24/7. Students should buy essay from companies that have the qualities stated above.

Author is associated with SuperiorWriters.com which is a global Custom Essay Writing and Term Paper Writing Company. If you would like help in Research Papers and Term Paper Help you can visit Essay Writing

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Credit Reports – How Do I Get My Credit Reports For Free?

Article by Mark Clayborne

Currently, there are three main credit bureaus, Equifax, Experian and Trans Union. You should request your credit report from all three of these agencies. Your information is also available for free from each credit bureau every 12 months. Another option for obtaining personal reports is to get a three-in-one report. With this report, you get all three of your reports merged into one. If you want a three-in-one credit report, you have to buy it or subscribe to a credit monitoring service.

A good starting point for reviewing your credit history and information is The Annual Credit Report, a service sponsored by the three leading credit bureaus and authorized by the Federal Trade Commission. By using the Annual Credit Report website, you can see all three of your reports instantly as this service is offered to you for free once a year.

How do I get my report online? You can get your credit file by logging onto Annualcreditreport.com. Once there, select “Get Your Free Credit Report” and fill out the subsequent form. You will be prompted for basic information, as well as a few questions regarding your accounts. After you have typed in the security code, you will be prompted to select a credit bureau to retrieve your credit report.

How do I get my reports by mail? Also on Annualcreditreport.com is the option to request your reports by mail. Simply click on the link titled Getting Your Credit Files By Mail” and print out the form. Aside from basic information, you will need a copy of your license and a utility bill in order to fill out the form. While completing the form, make sure to use a black or blue pen. Once finished, send the form to Annual Credit Report Request Service, P. O. Box 105281, Atlanta, GA 30348-5281.

How do I request my free reports by phone? Another option is to call the Annual Credit Report at 1-877-322-8228 and follow the automated voice prompts to order your reports. You can request one report, or all three. When you call, the automated system will ask you for personal information like your social security number, date of birth, full name, and your current and previous address. These actions are taken to prevent identity theft. Once your request is in, your reports will be mailed out to you within 15 days.

Are there other ways of obtaining my report for free? According to federal law, you are entitled to an additional free report if you experience the following:

1. If you are denied credit, insurance, or employment. (You then must request for your credit report within 60 days from being denied. Write to the credit bureaus and let them know that you were denied credit and that you would like a free credit report.)

2. You’re unemployed and plan to search for a job within 60 days.

3. If you are on welfare, or a victim of identity theft.

4. If the bank or a credit card company charges you higher rates or fees, and their decision was based on your report.

5. If there was a negative change in your credit limit or the collection agency tells you that they have reported adverse information on your credit file.

As you can see there are many ways to get your credit report for free, but you must take action to make it happen.

If you want to get the best credit ever, get approved for your dream home, car and stop collectors from harassing you on a daily basis, then it’s time to take action by signing up for you free Self Credit Repair E-Class. Click Improve My Credit Mark Clayborne is Amazon’s best-selling author of “Hidden Credit Repair Secrets” and a credit repair expert with 10 years of experience assisting consumers with credit related issues.

Legal Recourse Against Credit Reporting Errors

Article by Michael Forbes

By law, credit reporting agencies are expected to keep information on your credit report accurate. When you have followed every avenue to correct an inaccuracy and a credit reporting agency fails to remove the wrong information, you have legal recourse against them.

In the United States, having a good credit standing is a vital and necessary tool to everyday living. Your credit score has a direct impact on so many aspects of your life. Such aspects include your ability to obtain a loan for a car or motorcycle, your ability to get approved for a home loan, or an equity line of credit, your ability to get an affordable automotive insurance rate, a store credit card, a small personal loan and of your standard course credit cards.

In fact, your credit score also affects whether or not you can get an apartment or rent a home. These days many employers even consider your credit score when deciding whether or not to hire you. Meaning, a bad credit score can even affect your ability to get a good job, and thus your overall livelihood. Some people might not take their credit score that seriously, but it is serious. It’s your responsibility as the consumer to check your credit report on a periodic basis in order to determine if there are any inaccuracies being reported, which in turn could directly affect your overall credit rating.

In the U.S. we use three major credit reporting agencies: Transunion, Experian and Equifax. Although these three reporting agencies format their reports differently, each of the credit reports contains the same basic information. Each agency report contains your personal identifying information about where you live, if you pay your bills on time, if you have ever filed for bankruptcy, if a lawsuit has ever been filed against you and if you have been arrested.

The credit reporting agencies sell your private information in your credit report to creditors, insurers, employers and other entities who want to evaluate your credit report in order to make a decision about loaning you money, insuring you, hiring you, or allowing you to rent an apartment or home. Since so much hinges on the accuracy of your credit report, it’s absolutely critical to ensure that the information contained within your credit report is accurate.

The federal Fair Credit Reporting Act (FCRA) was created to promote the accuracy of information reported. Both creditors and the reporting agencies have a responsibility to ensure the accuracy of the information they report on a person’s credit. When there is an inaccuracy in a report it can result in denied credit. This can be extremely inconvenient if you are in need of a new automobile, a small loan, or even if you want to purchase a home.

In a 2004 study conducted by the U.S. Public Interest Research Group, 80% of the reports in the study contained inaccuracies and 25% of those errors had inaccuracies which could trigger a denial of credit. There are steps that a consumer must take in order to request that such inaccuracies be removed. The first step is first obtaining a copy of the report. If after you have exhausted all of your attempts to get an error removed and agency continues to report the erroneous information, then you may have legal recourse against them.

By law, when there is inaccurate information on your report, the reporting agency is required to remove it. If the reporting agency fails to remove the incorrect information, then you can sue them for damages. To learn more about your legal options, please contact a Philadelphia debt collector attorney for more information.

Michael P. Forbes is a Philadelphia debt collector attorney. As a seasoned lawyer, he is closely familiar with various federal laws that are aimed at protecting the consumer and the debtor from unfair practices. Whether a credit reporting agency has violated a provision of the Fair Credit Reporting Act (FCRA), or if you are a victim of debt collector abuse and they have violated the Fair Debt Collection Practices Act (FDCPA), he is well-versed in all forms of state and federal laws that are designed to protect you. His firm offers a broad range of services including foreclosure defense, credit card lawsuits, debt collector abuse, zombie debts and much more. To learn more about how Mr. Forbes can help you, please contact a Philadelphia debt collector attorney by calling (610) 991-3321 or you can visit the firm’s website at http://www.mforbeslaw.com.

Professional Development Tools: How to Effectively Use Inspirational Books, Audios and Videos

Article by Lynn Pierce

What books are you currently reading? What audios are in your car? One of the quickest ways to master anything is to read books, listen to audios and watch videos on the subject. These are your tools for professional development and business success.

If you’re spending free time reading novels or listening to music, you’re missing a major key to personal and business success. People who achieve high levels of abundance generally read two or three inspirational books every week. They aren’t parked in front of the TV all night.

With today’s technology you have many choices of how to best receive personal growth information. There is no longer an excuse for not having time to be educated.

Look at this partial list of delivery methods for getting professional development information to you:

Read online or listen to PDFs online• • “software can read text to you!

Listen to audio or watch streaming video online

Download audio or video to your iPod

Download print, audio or video to your cell phone or PDA

Print out a PDF to take with you in a folder

Read a print book

Listen to CDs or watch DVDs • • ” in your car, on a plane, on your TV or computer

You’re probably thinking, “I barely have time to complete all my tasks now. How could I add anything else?” But, we all have the same 24 hours each day.

Since you can’t add hours, it’s up to you to decide how to spend the ones you have. The advent of the iPod makes it easier to access professional development tools. Now you can listen discreetly while standing in line or waiting for an appointment. iPods aren’t just for kids. They’re important tools for business success and personal growth.

To create the life of your dreams, you must make new choices about how to spend your time. If it were possible to achieve your personal development goals by doing what you’re doing now, you would already have everything you want.

I’m sure you’ve heard the adage that you can’t solve a problem with the same mind that created it. It’s the same with any personal growth change you want to make in your life. You can’t create a new life with the old habits that produced the life you have now.

Just as when you were a child and books magically took you to places you’d never been, inspirational books will guide you to become the person you want to be and will help build the business success of which you dream.

Every multi-millionaire I’ve met had many personal growth obstacles to overcome in their lives. Not one of them was born into a life of ease. They dealt with circumstances ranging from total poverty, abandonment as a child, abuse, depression, life-threatening illness, divorce, business loss and bankruptcy.

This reality shatters all the excuses you’ve been using throughout your life for why you can’t succeed. For many, inspirational educational tools were the beginning of their road to personal and business success. These professional development tools will start you on the road to your dreams, too.

Let me give you some examples of abundant people who are big readers. Robert Allen, real-estate guru and author of best-selling books including my favorite, Multiple Streams of Income, reads several books at once by leaving them in various rooms throughout his home so a book is always available.

Cynthia Brian, co-author of the best-selling Chicken Soup for the Gardener’s Soul and author of Be the Star You Are, finds it easy to read several books a week because she carries a book everywhere and spends at least two hours nightly reading instead of watching TV.

David Anderson of Famous Dave’s really raises the bar. He’s a self-proclaimed night owl, sleeping an average of five hours. He not only reads two or three books a week, but 20-30 magazines a month! He reads continually for personal development and to stay current on business trends.

You say you want more from life, but will you move outside your comfort zone to make it happen? Maybe reading a book every week seems unfeasible. Commit to reading one book this month, or in the next two weeks. When you find it’s not so difficult, up your quota.

The key to effective use of inspirational books, audios and videos is that you implement what you learn. Put your new knowledge into practice; don’t just read, listen or watch for the sake of spending time doing it.

Lynn Pierce, the Success Architect, has taught people how to combine business and personal development to reach the pinnacle of success and live the life of their dreams for over 25 years. In addition, she is also the founder of one of the most exciting annual events for women entrepreneurs, “Women’s Business Empowerment Summit”. Now she shares her keys to success and life mastery with you. You can get the first five lessons of “Chang

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All Is Fair In Love, War, And, Your Credit Report. At Least It Should Be. Under Standing The Fair Credit Reporting Act

Article by Glenn Prialde

Fact: Over 150 million Americans have credit report with the three major credit reporting agencies. Approximately 50 million of these credit reports contain errors, many of which are inaccurate. Do you know what’s on your credit report?If you’ve ever applied for a charge account, a personal loan, insurance or a job, there’s a credit report about you. This credit report contains information on where you work and live, how you pay your bills, and whether you’ve been sued, or filed for bankruptcy.About The Fair Credit Reporting Act? (FCRA)The Fair Credit Reporting Act was the first federal law to regulate the use of personal information by private business. It was all the way back in 1899 that the first major credit reporting agency was started. Over time, credit reporting grew into a huge industry and, by the late 1960’s, became surrounded by controversy.Credit reports from the Credit Reporting Agencies were being used to deny services and opportunities. At that time, you would have had no right to see what was in your credit report. The FCRA was passed in 1970 and fortunately now you have that right.On December 4, 2000 President George Bush signed into law the first phase of the Fair And Accurate Credit Transactions Act (FACT Act), which amends the FCRA. The FACT Act establishes the Financial Literacy and Education Commission and calls for a national financial literacy campaign.The act addresses consumer’s rights to understand and protect the information in their credit report and to get help when their financial information has been stolen. It also restricts the use of medical information in determining a consumer’s eligibility for credit, and also limits the sharing of medical information with affiliated companies under certain circumstances.Here are some questions consumers commonly ask about credit reports, Consumer Reporting Agencies and the answers. Note that you may have additional rights under state laws. You can contact your state Attorney General or local consumer protection agency for more information. You also have information and resources at your disposal 24/7 at: www.creditandyou.com.Q. What can I do about inaccurate or incomplete information?A. Under the new law, both the Consumer Reporting Agencies and the information provider have responsibilities for correcting inaccurate or incomplete information in your credit report. To protect all your rights under this law, contact both the Consumer Reporting Agencies and the information provider. See credit repair article by credit and you.comQ. Can my employer get my credit report?A. Only if you say it’s okay. A consumer reporting agencies may not supply information about you to your employer, or to a prospective employer without your consent.Q. Can creditors, employers or insurers get a report that contains medical information about me?A. Not without your approval.Q. How can I stop a consumer reporting agencies from including me on lists for unsolicited credit and insurance offers?A. Creditors and Insurers may use consumer reporting agencies file information as a basis for sending you unsolicited offers. These offers must include a toll free number for you to call if you want to remove your name and address from lists for two years, completing a form that the consumer reporting agencies provides for this purpose will keep your name off lists permanently.Q. Do I have the right to sue for damages?A. You may sue a consumer reporting agency, a user or in some cases a provider of consumer reporting agency data in state or federal court for most violations of the FCRA. If you win, the defendant will have to pay damages to reimburse you for attorney fees to the extent ordered by the court.Q. Are there other laws I should know about?A. Yes. If your credit application was denied, the Equal Credit Opportunity Act (ECOA) requires creditors to specify why if you ask. For example, the creditor must tell you whether you were denied because you have no credit report with a consumer reporting agency or because the consumer reporting agency says you have delinquent obligations. The ECOA also requires creditors to consider additional information you might supply about your credit history. You may want to find out why the creditor denied your application before you contact the consumer reporting agencies. See Equal Credit Opportunity Act article by credit and you.comStay On Top Of Your Credit …Before financing anything, car, furniture, or a home, it’s a god idea to make sure your credit report is clean. Errors can often be quickly removed. And no sales person should ever know more about your credit report than you.

To find out: additional rights you have, who can get a copy of your credit report, how long negative information can be reported, easy steps anyone can take to repair there credit report visit: http://www.creditandyou.com/creditreports.html it’s a free information website!

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Order Custom Essay for Money

Article by Kelvin Brown

Students find it hard to write custom essay. There are various factors that hinder students from writing quality custom essay. The factors include time, resources and lack of skills. Most students do not have ample time to prepare custom essay. The students are always busy completing other homework

Educational Videos

Article by Adolphpaul

Today, educational videos have become a popular means of interactive learning for all, especially children. Since children learn easily through videos and animations, even the most complicated concepts can be taught with these. The Internet is a rich and popular source of videos for education. Several online resources also allow free downloading of educational videos.

Types of Educational Videos

The different types of online videos for education are:

*Educational Videos Online – Expert Village is a how-to videos website, where users can learn new things and find answers to intriguing questions. The website is a comprehensive package of great videos, experts and features on varied subjects.

*Free Video Sites – Video sharing websites like YouTube features educational videos on subjects, which range from rhymes to science experiments, mathematical concepts and equations, investigative shows, interactive quizzes and documentaries.

*Streaming Educational Films – Factual entertainment channels, like the Discovery Channel, provide access to streaming educational films and other printable worksheets at nominal subscription fees. Their content is truly entertaining and informative

*Finding Films Online – Browse through sites, such as Fancast and Hulu, to find a great collection of vintage television shows and educational videos. These are legal sites with authorized web distribution materials.

How to Choose Educational Videos for Children?

Here are some tips for selecting children’s educational videos:

*Choose subjects that interest your child. This will ensure quicker understanding and greater recall. Besides, the learning will create a more positive and lasting impact on your child.

*Monitor contents of the videos for education by familiarizing yourself with the concept. This will also help you to discuss the concept with the child and will reflect your interest in his learning.

*Always take feedback from your child about his interests. Gauge their interest by showing them the titles of educational videos.

*Parents should keep the child’s age in mind while buying educational videos. For younger children, keep the titles simpler; since complicated subjects will never be viewed.

*Watch educational videos along with your child. This will enable you to monitor the content of the video and participate in your child’s learning process.

To find the best educational videos for your kids, visit the website http://www.iken.in. This website features a variety of educational tools for learners.

Iken contains educational videos on various subjects that enhance the knowledge development of the child.

Free Annual Credit Reports – Strategies to Avoid Imposter Websites

Article by Nora

In a 2004 amendment to The Fair Credit Reporting Act (FCRA), a new system providing free credit reports was initiated. The amendment requires each of the three national Credit Reporting Agencies (CRAs), Equifax, TransUnion, and Experian, to provide free copies of an individual’s credit report once every 12 months. The free reports require a request to be submitted to a centralized office, in accordance with procedures defined by the Federal Trade Commission (FTC). The FTC is charged with consumer protection and ensuring compliance to the FCRA from the Credit Reporting Agencies.The amendment was undertaken as a way to help individuals access the information contained in their credit reports. Prior to the amendment, credit reporting agencies were able to charge individuals for every copy of their credit report that they requested. Only under specific circumstances, such as searching for employment, were credit reports provided free of charge. This undermined fair access for individual’s to access information about them collected by the CRAs.Understanding what information is in your credit report is important. Only then can you ensure that the information being reported about you is accurate and up to date. Your credit report impacts your life in many ways, from the ability to obtain credit to the amount of money you will pay for that credit.Fair access to such important information is critical. The unfortunate reality is that reporting mistakes do happen. Any errors or misinformation contained on a credit report can have a tremendous impact on a person’s financial wellbeing, job prospects, and housing prospects.The amendment mandated the three CRAs to implement a centralized website, toll free number, and mailing address as methods individuals may use to request their free credit reports. Although the centralized website was implemented as a way to offer consumers a quick and easy way to request their reports, it has come under severe criticism by various consumer protection groups.There are problems that plague the centralized website annualcreditreport.com. Some of these problems are related to difficulties inherent with the Internet and search engines. Others, some groups claim, are the result of poor planning and implementation on the part of the three Credit Reporting Agencies.Many of the consumer protection groups, including the Privacy Rights Clearinghouse, urge consumers who are unfamiliar with the Internet to avoid using the centralized website to order their free credit reports. They further encourage those who choose to use the website to beware of a number of potential pitfalls the internet, and the website itself, present.The first problem has to do with the Internet itself. The three Credit Reporting Agencies purchased the website address (also called a URL (uniform resource locator) or domain name) annualcreditreport.com. It is common for unscrupulous webmasters to purchase domain names similar to others, with the goal of intercepting customers or consumers who search for the genuine website. These webmasters purchase domain names very similar to the real domain, and unsuspecting consumers mistakenly believe they’ve reached the correct website. These consumers are then redirected to paying sites, have their personal information collected without their knowledge, or signed up for services they don’t want or need. In this way, unscrupulous webmasters make money.The FTC calls these websites ‘imposter’ websites.Unfortunately, consumer groups and the FTC have reported that some Credit Reporting Agencies are linked to some of these imposter websites. Recently, the FTC filed and settled a lawsuit against a subsidiary of one of the Credit Reporting Agencies. The lawsuit alleged “deceptive and misleading” claims on the subsidiary’s website. This website was advertising free credit reports, and then automatically signing up consumers to a credit monitoring system that charged a fee if not cancelled by the unsuspecting consumer. In addition, the website was collecting personal information about the consumer.The World Privacy Forum reports that over 100 domain names with close misspellings of annualcreditreport have been purchased. Many of these have been purchased by the Credit Reporting Agencies themselves. In some cases, these websites lead consumers to websites that demand payment for services, and others lead consumers to the Credit Reporting Agencies websites themselves, where they are charged for copies of their credit reports. The second of these is largely the result of the CRA’s affiliate marketing programs, whereby the CRA pays a website for a referral.The second problem with the centralized website lies in its implementation. Initially, the website was set up so that only the 3 CRAs and the FTC were able to provide a live web link to annualcreditreport.com. This prevented other legitimate websites, such as news and consumer group websites, from offering a live link on their website. In response to these concerns raised by Privacyrights.org, this situation has changed. The change is welcome, as consumer groups correctly pointed out that the initial web link block only served to make it easier for rogue websites to redirect consumers to illegitimate websites.There are two ways to find these imposter websites. One is to perform a search in any search engine, which results in a display of many websites. Clicking on anything but the genuine website can land a consumer on an imposter website. The other is by incorrectly typing the genuine website address into the address bar of a web browser. Many of these unofficial websites contain small typographical errors, designed to lure in just such a web surfer.Avoiding Imposter WebsitesMany consumer groups, including World Privacy Watch, urge consumers to avoid potential imposter sites by avoiding the internet altogether. Instead of ordering free credit reports online, use the toll free number or regular mail.The toll free telephone number is 1-877-322-8228. The mailing address is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. If ordering by mail, a form must be completed and can be found on the FTC’s website.Those consumers wanting to order online are urged to:1) Ensure that they are using the genuine website. The only website address is annualcreditreport.com.2) If the website you reach features a pop up, advertises itself on television or radio, or redirects you to a different site, know it is not the genuine website. Your credit card number is not required information, and you are not required to purchase or pay for any additional services. The genuine website will not send you any emails.3) Understand that you are required to provide only certain personal information, including your name, address, social security number, and date of birth. If you have had a change of address in the past 2 years, your old address may be requested. In addition, you may be asked about a personal financial detail that only you would know. This is to prevent anyone else accessing your credit report.Access to free annual credit reports is a welcome change to the laws governing credit reports and protecting consumer’s rights. Every citizen should take advantage of this free service to ensure that the information being reported about them on their credit reports is accurate and up to date. As with any other service, consumers need to be aware of the potential danger that lurks behind the scenes by imposter websites and unscrupulous webmasters.

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