| Volume 1 Number 9 |
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Texas Consumer Complaint Center
Credit Reports and Identity Theft
Your Guide to Small Claims Court
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1-713-743-2168
The People’s Lawyer’s Tip of the Day
Don't let anyone steal your identity when they go "pfishing". Pfishing is when an identity thief sends you a fake notice that looks like it's from a bank, creditor, credit card company or PayPal, telling you there is a problem with your account and to reply. Never reply to any email asking for personal information. If you think it is a real request, call the creditor to confirm it.
Top Five Reasons To Establish Business Credit Separate From Personal Credit
Building your business credit will improve your business by saving both time and money, separate personal credit from business credit, meet current lending needs and help you prepare for future lending needs, can provide cash in your business when it's needed, extends cash flow, lowers interest rates, builds credibility for your business, protects personal assets and allows purchases of vehicles, equipment, computers and other items with no personal guarantees. Click here for more.
What is Credit Monitoring?
Consumer credit reporting agencies offer to "monitor" your credit for a fee. Credit monitoring services can be costly. These services cost anywhere between $43.80 per year to nearly $150.00 per year depending upon the provider. Typically, these services say they will notify you if anything unusual or suspicious appears on your consumer credit report. You may not need to bother with credit-monitoring services. Instead, you could monitor your own credit. Click here for more.
When Good Credit Marries Bad Credit
Learn about the available options to obtain a loan when "good credit marries bad credit". Click here for more.
State Statutes of Limitations for Old Debts
When dealing with an old debt, it's important to know your limits. Once a debt passes beyond the statute of limitations in your state, a debt collector no longer has the right to sue you for payment. You may still have a moral obligation to pay back an old, forgotten debt, but you can't be sued over it. Click here for more.
Your Money
Which is better: a rebate or special dealer financing? Click here for more.
For the Lawyers
A contract for deed buyer is entitled to liquidated damages of $250 a day if annual statement is not sent. The Texas Supreme Court holds that an annual statement is effective even it is does not comply with the statute. Click here for more.