Credit Report Delivered Online

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I requested the report online a few days ago, and low and behold, it didn't tell me anything at the end about the way they would deliver the report to me. And they didn't even have an email go out to me confirming that they received my request. WTF? Every single other financial credit reporting institution provides their reports online. And it's just great with Chex Systems, you call them and all they give you is pre-recorded messages that point you back to their website or phone systems to "submit the request". To my knowledge, at no point, however, do they speak of how they will deliver the report to me or how long I should expect to have to wait for it. Anyone know how to get thru to ChexSystems or when/how I should or should have expected to receive my report?

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Chexsystems verifies your checking activity and functions as a consumer credit reporting agency. Most banks and credit unions use it when opening a new deposit account. Because Chexsystems is a CRA, it is your right to dispute with chexsystems. They are subject to the same laws. Just as you can ask for one free credit report every year, you can also ask for a Free chexsystems report once a year. As a consumer, you can question any information in Chexsystems, and you can also dispute entries and the evidence that supports the reported activity. It is very difficult reaching a live person at chexystems. I am not certain this is correct information anymore but I believe it may still be. Be careful and do not update their records when you call if they ask you a ton of questions The number is (800) 513-7125 and after you choose the option to hear the message in english, press option #7 and you WILL be connected to a live person. After you hit #7, you get a long message pertaining to if you have your report on hand, it then sounds like you might have been disconected, but you aren't, it rings and then you are connected. Hope it helps you!

just a few moments ago i attempted to request a free credit report from the three major bureaus (experian, etc)from a legit website and it said .... We're sorry, for your protection we are unable to deliver your FACT Act Equifax Free Annual Credit Report on the internet. There are a number of reasons that we may be unable to fulfill your request online. You may have a Security Freeze on your credit file, an Active Duty Military or Fraud Alert, or the identification information submitted online may not match the information on file. what would cause someone to have a security freeze? i've never been affiliated with the military, I DID suspect fraud on my bank account just two months ago, BUT that doesnt explain why i couldnt get my credit report the same time last year, back when i got my first credit card and had no credit whatsoever (a friend suggested i do that after she found out her parents used her SSN to take out a mortage they later defaulted!). i thought getting a credit report was simple, whats with the hassle? i have a total of 7,000 in debt in all (that includes 5,000 for my school loan that i pay one time each month) and the 2,000 in credit card debt. they did say i could mail in a few documents , but will this solve the problem? has this happened to anyone else, is this common, or is this bad?

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There could be many reasons why you are having problems in getting your reports. It's not unusual for the CRA's to request information from you before they release the reports to you. Often that information consists of a copy of your drivers license, or other ID, and a copy of a utility bill in your name. When you send in copies of your drivers license and utility bill - mark out the state issued number (which should not be your SSN) on your DL and mark out the account number on the utility bill. You do not have to mark out that info, but if you do not want that info "shared" by the CRA's (to other companies) then marking it out will keep them from sharing/selling it. If you send in the info to prove you are who you say you are, it should solve the problem. If it doesn't, then contact each CRA that is still refusing to send your reports and request to be transferred to the special handling dept. (but send your info in first before attempting to contact the special handling dept.)

I have a online store that sells electronics. A person purchased 2 laptops and a Camcorder. I shipped the products from a dropshipper and had the delivery confirmed. Now, 45 days later, I have a chargeback that the credit card company says I am responsable for. The credit card was reported stolen after the purchases were made. My merchant services won't help me, they say I have to payup. I did not commit the fraud, it was commited against me. Does any one know the right place to file a complaint report? I know this persons address. My business is in PA and the merchandise was delivered to AZ. The police there said I had to file with PA police. No one wants to help. Anyone know who can?

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Here are some articles and services offered to estores to protect them from credit card fraud....... But in the end it is you as a business owner that are responsible for checking each card and verifying transactions are indeed valid before shipping. Either way it is you who pays, no one is going to return your money, period it is part of the profit and loss and risks you take of doing business. but here is the article and products: http://www.acmetech.com/blog/2005/06/18/ merchants-pays-for-online-credit-card-fraud/ http://www.zen-cart.com/forum/showthread.php? t=25139 And pretty much the advice everyone is giving you is for either the people that have had their cards ripped off or people that have been ripped off by businesses. The better business bureau does not take complaints against individuals. Actually your best bet is AMEX, VISA, MC merchants services, but if they have told you no already that means the card had already been listed as lost or stolen and you did not run the proper check first, so in the end they determine it was your fault for not checking against the services they provide. You can purchase insurance to cover this in the future I think.

The bill is writen in region X and money collected in another region Y. These are boxes and each box has a number and one box can include goods for 3 different clients. The script must link the box with the proper customer and show the charges. The admin on ther other region when recieve the payment must be able to show that the bill is paid and goods delivered. Also it will be good if the customer can trace his goods by seeing daily comments posted by admin on where the goods are untill they arrive. Admin should be able to post only once for the each box number and all the clients whose goods are in that box should be able to see. Also the admin on the other end region X must be able to see a report of paid and unpaid boxes and for each customer monthly. A free script would be best as this is a VERY small operation and no credit card in this part of Africa

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Try Cashboard, Recap, or Blinksale. You can read about all of them at the link below.

I recently placed a online order with a indian gift site (one of many you see these days). My past experiences with such sites has been good. But this time (I have not used this site before) they charged my credit card and sent a email saying the gift was delivered. Now after 2 days, the gift still has not been delivered and they are not answering the phone they provided as well as the emails I send to them. I also created a account in their site and sent them messages - still no response. I want to report this site and also want to retirve my money. What should be my course of action now? Please advice. Thanks for your help. Sri.

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You should certainly check these :- http://admis.hp.nic.in/ehimapurti/grahak.htm http://www.consumer-voice.org/financeinfo.asp http://www.icrpc.org/icrpc.org.procedure.htm http://www.icrpc.org/ http://www.consumercomplaints.co.in/ http://www.mywoes.com/ All the best :)

I'm writing a paper for class on this, and the controversy over it whether some people consider it illegal or not, but I have all the information I need about that for the most part on that. I'm now at the part of my paper as far as tracking it....SO for my question!! I understand that if you take your laptop down the street or to a starbucks that the owner CAN in fact see who is connected to there network, that's easy. BUT what about hackers who do this for criminal purposes then leave? For instance: Someone takes there laptop around the city, in a neighborhood somewhere miles from there house and finds a signal, while in there car they stop there, they go to a website and order a bunch of merchandise online, under that persons network WITH a stolen credit card, which then has it delivered to a drop spot to be left at a door (I've seen dateline lol) Now I've heard of people saying well they will track your IP address...but actually when you piggyback your using THAT persons ip address. And THAT person is responsible for the activity going on it there network, thats why its important to set a pass code on the router to avoid piggybackers from obtaining illegal downloads such as child pornography. So if a hacker finds a hotspot, using a stolen credit card, then a week goes by and the owner of the card finds out it was stolen and reports it to authority's who "MAY" investigate it and find out WHERE it was ordered, how do they track the hacker then, a week later, when the police are at owner of the person network that was involved in the credit card fraud? Looking for some good information on this as this is all i need to complete my paper...cause and effect sort of thing. Thanks! Even getting the mac address, how do they find the owner of that laptop? If you can buy a pc card from best buy and hook it up to your laptop and piggyback, how do they catch you? doesnt make much sense....

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I'm writing a paper for class on this, and the controversy over it whether some people consider it illegal or not, but I have all the information I need about that for the most part on that. I'm now at the part of my paper as far as tracking it....SO for my question!! I understand that if you take your laptop down the street or to a starbucks that the owner CAN in fact see who is connected to there network, that's easy. BUT what about hackers who do this for criminal purposes then leave? For instance: Someone takes there laptop around the city, in a neighborhood somewhere miles from there house and finds a signal, while in there car they stop there, they go to a website and order a bunch of merchandise online, under that persons network WITH a stolen credit card, which then has it delivered to a drop spot to be left at a door (I've seen dateline lol) Now I've heard of people saying well they will track your IP address...but actually when you piggyback your using THAT persons ip address. And THAT person is responsible for the activity going on it there network, thats why its important to set a pass code on the router to avoid piggybackers from obtaining illegal downloads such as child pornography. And even if the owner of the network logs the mac addresses connected to there network what will they do with that? still cant track it... So if a hacker finds a hotspot, using a stolen credit card, then a week goes by and the owner of the card finds out it was stolen and reports it to authority's who "MAY" investigate it and find out WHERE it was ordered, how do they track the hacker then, a week later, when the police are at owner of the person network that was involved in the credit card fraud? Looking for some good information on this as this is all i need to complete my paper...cause and effect sort of thing. Thanks! jamesmicoff - I know what wardriving is. Piggybacking is different from wardriving, maybe YOU should look it up... here i'll help you. http://en.wikipedia.org/wiki/Wardriving

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The Sabbath day is the seventh day of the week, Saturday. The observance to remember the Sabbath day and keep it holy was part of the Law of Moses, the Old Testament. In the New Testament, there is no command to observe the Sabbath. Instead, Christians in the New Testament met upon "the first day of the week". (Acts 20:7, 1 Cor. 16:1-2) In fact, the Old Law was nailed to the cross with Christ. (Colossians 2:14) This being the case, the New Testament states, "Therefore let no one pass judgment on you in questions of food and drink, or with regard to... a Sabbath.." (Colossians 2:16) Remember the Sabbath is part of the Old Testament. We can learn a lot from a study of the Old Testament, but for instructions on how to worship and serve God we now need to look to the New Testament. In Galatians 5, some were trying to bind an Old Testament command on New Testament Christians. Verse 3 says if they bound this one item, they were "debtor to keep the whole Law"! If we bind one command because it is in the Old testament, we must keep it all (animal sacrifices, feasts, yearly trips to Jerusalem, etc.)! "For whoever shall keep the whole law, and yet stumble in one point, he is guilty of all." (James 2:10) If we try to Justify ourselves by the Law of Moses, then we have fallen from grace! (Gal. 5:4) The New Testament now gives the instructions for our worship. The examples in the New Testament show Sunday worship. Sunday, however, is never called the Sabbath in the Bible, but we are not under the Law that commanded the Sabbath.