Credit Bureaus –
What They Know About You
and What You Can Change
Credit bureaus, also called credit reporting agencies (CRAs), are companies that collect and maintain consumer credit information. They then resell it to other businesses in the form of a consumer’s credit report.
There are three major credit agencies in the United States: Equifax, Experian, and TransUnion. There are other smaller, specialized agencies as well. When creditors and lenders check your credit, they’ll very likely do so with one of the major CRAs. These three agencies retain information on more than 200 million Americans.
Join us on November 13 to learn:
- Who governs the credit reporting agencies
- What do they do and not do
- The Big 3 and how to see your reports
- Disputing information on your reports
- Fraud Alerts and Security Freezes
Placing a fraud alert works in much the same way, but it only stays in effect for 90 days. An alert is always free, but you might have to pay to place a credit freeze in some states. Dave Henning from Legal Shield will share briefly how his company can help make this protection available 365 days a year.
David Henning has over 40 years experience in business,
as a specialist in Small Business solutions, Employee Benefits,
and ID Theft security with licensed private investigators and complete restoration.
His company, Freshstart Benefits, has the mission to protect companies
and individuals from threats such as ID Theft,
and also to provide them with an extensive set of Employee Benefits,
at no out of pocket cost or risk,
designed to increase profits and decrease problems in the workplace.
6:30pm, Registration — No Host Cocktails
7-9pm, Presentation & Dinner
ASCCA Chapter Members, first attendee: No Fee; Additional Guests or Shop Employees $40
Nonmembers of ASCCA Chapter 42 $40
The Biltmore Santa Clara Hotel
2151 Laurelwood Rd, Santa Clara, CA 95054