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Generally, you will need to freeze at all three bureaus - TransUnion, Equifax and Experian - to make it effective. It's possible, however, that a bureau doesn't have a report on you - and it's silly to pay to freeze something that doesn't exist. So before you apply, get a copy of your free annual credit report from each bureau to see who has a report on you. You will also want to check the freeze terms at each bureau before deciding. How to apply: TransUnion has its system up and running. Send your name, Social Security number and a credit card number and expiration date (for the $10 charge) to TransUnion, P.O. Box 6790, Fullerton, Calif., 92834-6790. If you are a victim of ID theft, freezes and thaws are free. For more information, call 1-888-909-8872.
'Security Risk' Blocks U.S. Troops Overseas from Free Credit Report Site
No Free Online Access for Millions of Americans YONKERS, N.Y., Oct. 24 /PRNewswire-USNewswire/ -- Millions of U.S. citizens outside the country -- including several hundred thousand members of the armed forces -- are not permitted to see their personal credit information on the Web site set up by law to provide free access, over security concerns that an offshore user might create. Four years ago, the U.S. Congress mandated creating the http://www.annualcreditreport.com site that gives consumers free access to one report per year from each of the three major credit agencies, Equifax, Experian and TransUnion. The law that created that site, the Fair and Accurate Credit Transactions Act of 2003 -- known as FACTA, or the FACT Act -- was designed to protect U.S.
BOND REPORT: Treasurys Rise As Fed Sees Slowdown
Treasurys reversed earlier losses and gained ground on Tuesday, sending yields lower, after the Federal Reserve forecast an economic slowdown in 2008, boosting expectations that it will further cut interest rates. The benchmark 10-year Treasury bond was up 4/32 at 101 18/32, yielding (TNX) 4.060%. The 2-year note was up 1/32 at 100 28/32, yielding 3.156%, while the 30- year bond was flat at 108 13/32, yielding (TYX) 4.483%. In its forecast for next year, and in minutes from its last meeting on interest rates, the central bank seemed much more worried about slower growth than higher inflation than the FOMC statement released at the end of their meeting. It was "back to the races for bonds after the [Fed] minutes took a more downbeat slant on their growth outlook, given risks of a self-reinforcing spiral on credit tightening and growth," analysts at Action Economics said.
(AFX UK Focus) 2007-11-20 08:16 GMT: Natixis may need to inject 1.5 bln eur in credit unit CIFG - report
PARIS (Thomson Financial) - French investment bank Natixis may have to inject 1.5 bln eur to recapitalise its credit enhancement business CIFG following the subprime crisis, Les Echos reported citing unnamed sources. According to the newspaper, the accounting loss incurred by CIFG due to the credit crisis, as well as the adoption of International Financial Reporting Standards (IFRS), is thought to be around 200 mln eur. An audit is currently underway to evaluate the precise impact and examine different scenarios for the unit, Les Echos said. tfn.paris@thomson.com gt/jlc COPYRIGHT Copyright Thomson Financial News Limited 2007. All rights reserved. The copying, republication or redistribution of Thomson Financial News Content, including by framing or similar means, is expressly prohibited without the prior written consent of Thomson Financial News.
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