FTC Complaint? Don’t Bother.

Thinking of filing an FTC complaint? Don’t bother. Yes, the FTC is the federal agency charged with helping consumers resolve complaints but the simple fact is that they will not actually help any individual consumers. Indeed, they will not help you. This is not necessarily a bad thing, however. The FTC shouldn’t be handling individual … Read more

Consumer Watchdogs are the Best Form of Consumer Protection

Consumer watchdogs fight for everyone’s consumer rights.  Consumer protection legislation has been passed in every state to allow consumers to act as these watchdogs, legally known as private attorneys general, to protect and enforce their consumer rights when those rights are threatened by abusive or deceptive companies.  In Utah, for example, the Utah Consumer Sales … Read more

How to Spot a Telephone Scam

Americans lose an estimated $40 billion each year to telephone scams. The simple fact is that if something sounds too good to be true, it probably is a scam. There are many forms of telephone fraud but here are a few of the most common. Travel Offers Travel offers by telephone are a major area … Read more

Identity Theft Targeting Younger Victims

Identity theft is targeting younger victims and still a growing crime according to the Consumer Sentinel Network Data Book, recently released by the Federal Trade Commission. Not surprisingly, the age of the victims is dropping each year as younger consumers increasingly shop online without properly protecting their personal information. It seems the younger generation, though … Read more

How to Report Identity Theft

How to report identity theft. It only takes a few simple steps to report identity theft and clear up your good name and end the devastating financial and emotional harm caused by identity theft. Step One Set an initial fraud alert with at least one of the three major credit bureaus. Only one is needed … Read more

How to Prevent Identity Theft

Identity theft is one of the fastest growing crimes in history but it is relatively easy to prevent identity theft in most cases.  Millions of consumers fall victim to it every year and regrettably, the effects of identity theft are significant.  Many victims of identity theft are so traumatized they often report symptoms of mental … Read more

Credit Repair Scams: Part Two

We previously discussed a few common credit repair scams but believe it or not, there are additional deceptive or fraudulent acts in the credit repair world to be cautious about. Purposely Delaying the Credit Repair Process Most credit repair companies charge monthly fees which encourages them to work slowly or inefficiently. The simple fact is … Read more

Credit Repair Scams

You may be surprised to know that there are many common types of scams in the credit repair industry.  Under federal law any deceptive or fraudulent act by a credit repair organization is considered a credit repair scam but other acts can also be unlawful. Many states also have similar prohibitions. Deceptive Representations The most … Read more



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