I just received the following email.  Looks very authentic…I guess.  Might fool someone.  Don’t let that someone be YOU. 

Imposter sites plague free credit report site

A Web site created by federal mandate last year to help consumers spot identity theft is opening up new avenues for fraud, according to a privacy watchdog group.

The site, AnnualCreditReport.com, offers consumers free copies of their own credit reports. It was launched in December by Equifax, Experian and TransUnion, the three major credit reporting agencies in the United States, in accordance with the Fair and Accurate Credit Transactions Act of 2003. The federal law aims to quell growing concerns over privacy and disclosure of sensitive financial data.

yet another nigerian letter, promising to give me millions.  i’m really only posting this because it makes me chuckle and it’s been awhile since i got one of these emails.  but just in case you might be fooled, it’s a scam!

I am trying to buy a house and I have a bankruptcy and an item in collections. Is it possible to clear that up?

What should a bankruptcy look like on a credit report? I have some entries, which show as “included in a bankruptcy”, and others, which were also included in the bankruptcy, that show notations for 30/60/90 days late and account balances.