Een stukje eraf...
Nog even een korte update voordat ik van mijn, voorlopig, laatste dagen hier in Betlehem ga genieten.
De workshop die ik afgelopen donderdag heb gegeven, verliep eigenlijk prima. De deelnemers konden mijn verhaal waarderen en er waren zelfs enkele discussies, iets waar ik stiekem een beetje op gehoopt had. Omdat een aantal mensen mijn informatie ook graag op papier wilde hebben, moet ik het zelfs nog uitwerken tot een lopend verhaal. Nou ja, het is voor een goed doel en het houdt me vandaag tenminste nog even bezig. Het geeft me bovendien de kans om mijn eigen visie nog even te bevestigen. Ik besloot de workshop met het benadrukken van het belang van Communicating Palestine, en dat ik denk dat daar tegenwoordig veel mogelijkheden voor zijn. Iedereen was het hier mee eens, maar sommige aanwezigen beweerden meteen dat het zo ontzettend moeilijk is, omdat de Israëlische en Amerikaanse media zo machtig zijn en de complete beeldvorming omtrent het conflict beheersen. Ik heb toen eerlijk gezegd dat dit tot op zekere hoogte wel waar is, maar dat de Palestijnen zelf ook niet ten volle de mogelijkheden benutten en dat de oorzaak absoluut niet alleen bij 'de ander' gelegd kan worden. Volgens mij is het van belang om in plaats van 'al het lijden' vooral ook de pogingen om 'normaal te leven' te benadrukken. Daardoor worden de problemen die de Palestijnen dagelijks ondervinden in een duidelijker en vooral 'menselijker' context geplaatst. De beeldvorming wordt daardoor, volgens mij, veel krachtiger. Nou ja, daar werd even over nagedacht en eigenlijk konden de meesten zich hier ook wel in vinden. Er werd dan ook besloten om hier tijdens volgende workshops meer aandacht aan te geven.
Overigens werkt hier sinds kort een vrijwilligster, Larissa, een scholiere uit San Fransisco, en toen zij na afloop naar me toe kwam, kon ze alleen maar zeggen: "Wow, thank you!" Toen ik begon te lachen, begon ze uit te leggen dat ze nog niet eerder iemand zo duidelijk haar eigen mening heeft horen verkondigen. Ook haar was het opgevallen dat er zo'n enorm verschil bestaat tussen het beeld van de Palestijnse Gebieden en het werkelijke leven hier en dat er, om dit te veranderen, inderdaad een hoop 'werk aan de winkel' is. Echter, wat Robin ook wijs opmerkte in een mailtje dat hij gisteren naar me stuurde, in het buitenland staat Nederland nog steeds bekend als het land van wiet, kaas en tulpenbollen (in willekeurige volgorde) en dat is ook niet zomaar te veranderen. Maar, je moet inderdaad ergens beginnen.
Goed, de reden dat deze post 'Een stukje eraf...' heet, heeft te maken met mijn bezoek aan de kapper. Gisteren ben ik namelijk met Tony, de assistent-directeur van het AEI, naar kapper William geweest. Wat ik een beetje vreesde is inderdaad uitgekomen. "Een jongen? Langer haar? Huh?". De meeste mensen snappen dat niet helemaal en ook de kappers dus niet. Zie de foto hieronder, vergelijk hem met mijn eerdere foto's en zoek de verschillen...

Ach, zoals je ziet, valt het best mee, want zo had ik mijn haar tot een jaar geleden ook. Ik was nu echter niet naar de kapper gegaan met de intentie om deze coupe te herintroduceren. Nou ja, kijk er nog maar even goed naar, want mijn haar groeit vrij snel en als ik over 5 weken weer terugkom, dan is het vast weer een stuk langer. Kapper William had ook gezegd dat hij nog niet eerder zulk mooi en gezond haar had gezien. Dat schijnt hier niet voor te komen. Misschien doen ze wel stiekem Pokon in het Nederlandse water, ik weet het niet.
Goed, dit was mijn laatste stukje uit Betlehem. Vanaf maandag zal ik posten vanuit een internetcafe in Ramallah. Ik heb wel afgesproken dat ik nog een keer naar Betlehem kom, om afscheid van de familie Giacaman te nemen, voordat ik definitief weer terug naar huis ga. Lijkt me gezellig en niet meer dan terecht, aangezien ik hier toch 2 maanden een leuke tijd heb gehad. Groetjes en tot snel weer! Salaam!
De workshop die ik afgelopen donderdag heb gegeven, verliep eigenlijk prima. De deelnemers konden mijn verhaal waarderen en er waren zelfs enkele discussies, iets waar ik stiekem een beetje op gehoopt had. Omdat een aantal mensen mijn informatie ook graag op papier wilde hebben, moet ik het zelfs nog uitwerken tot een lopend verhaal. Nou ja, het is voor een goed doel en het houdt me vandaag tenminste nog even bezig. Het geeft me bovendien de kans om mijn eigen visie nog even te bevestigen. Ik besloot de workshop met het benadrukken van het belang van Communicating Palestine, en dat ik denk dat daar tegenwoordig veel mogelijkheden voor zijn. Iedereen was het hier mee eens, maar sommige aanwezigen beweerden meteen dat het zo ontzettend moeilijk is, omdat de Israëlische en Amerikaanse media zo machtig zijn en de complete beeldvorming omtrent het conflict beheersen. Ik heb toen eerlijk gezegd dat dit tot op zekere hoogte wel waar is, maar dat de Palestijnen zelf ook niet ten volle de mogelijkheden benutten en dat de oorzaak absoluut niet alleen bij 'de ander' gelegd kan worden. Volgens mij is het van belang om in plaats van 'al het lijden' vooral ook de pogingen om 'normaal te leven' te benadrukken. Daardoor worden de problemen die de Palestijnen dagelijks ondervinden in een duidelijker en vooral 'menselijker' context geplaatst. De beeldvorming wordt daardoor, volgens mij, veel krachtiger. Nou ja, daar werd even over nagedacht en eigenlijk konden de meesten zich hier ook wel in vinden. Er werd dan ook besloten om hier tijdens volgende workshops meer aandacht aan te geven.
Overigens werkt hier sinds kort een vrijwilligster, Larissa, een scholiere uit San Fransisco, en toen zij na afloop naar me toe kwam, kon ze alleen maar zeggen: "Wow, thank you!" Toen ik begon te lachen, begon ze uit te leggen dat ze nog niet eerder iemand zo duidelijk haar eigen mening heeft horen verkondigen. Ook haar was het opgevallen dat er zo'n enorm verschil bestaat tussen het beeld van de Palestijnse Gebieden en het werkelijke leven hier en dat er, om dit te veranderen, inderdaad een hoop 'werk aan de winkel' is. Echter, wat Robin ook wijs opmerkte in een mailtje dat hij gisteren naar me stuurde, in het buitenland staat Nederland nog steeds bekend als het land van wiet, kaas en tulpenbollen (in willekeurige volgorde) en dat is ook niet zomaar te veranderen. Maar, je moet inderdaad ergens beginnen.
Goed, de reden dat deze post 'Een stukje eraf...' heet, heeft te maken met mijn bezoek aan de kapper. Gisteren ben ik namelijk met Tony, de assistent-directeur van het AEI, naar kapper William geweest. Wat ik een beetje vreesde is inderdaad uitgekomen. "Een jongen? Langer haar? Huh?". De meeste mensen snappen dat niet helemaal en ook de kappers dus niet. Zie de foto hieronder, vergelijk hem met mijn eerdere foto's en zoek de verschillen...

Ach, zoals je ziet, valt het best mee, want zo had ik mijn haar tot een jaar geleden ook. Ik was nu echter niet naar de kapper gegaan met de intentie om deze coupe te herintroduceren. Nou ja, kijk er nog maar even goed naar, want mijn haar groeit vrij snel en als ik over 5 weken weer terugkom, dan is het vast weer een stuk langer. Kapper William had ook gezegd dat hij nog niet eerder zulk mooi en gezond haar had gezien. Dat schijnt hier niet voor te komen. Misschien doen ze wel stiekem Pokon in het Nederlandse water, ik weet het niet.
Goed, dit was mijn laatste stukje uit Betlehem. Vanaf maandag zal ik posten vanuit een internetcafe in Ramallah. Ik heb wel afgesproken dat ik nog een keer naar Betlehem kom, om afscheid van de familie Giacaman te nemen, voordat ik definitief weer terug naar huis ga. Lijkt me gezellig en niet meer dan terecht, aangezien ik hier toch 2 maanden een leuke tijd heb gehad. Groetjes en tot snel weer! Salaam!


16 Comments:
At 10:02 AM,
Anonymous said…
hoi Tijn,
Begrijp er niets van maar ben
ineens mijn identity als blogger kwijt.Dan maar als anonymous.
Lekker fris koppie hoor.Mag je er van mij inhouden.
Héél veel succes in Ramallah.
Blijf op jezelf passen!!
Veel liefs mama.
At 4:32 AM,
INTERNET PERS said…
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De combinatie van technieken en software van W2solutions die het proces bewerken zijn bijzonder interresant voor bedrijven die binnen een aanzienbare tijd met het produkt of diensten die zij bieden midden in de (internationale) belangstelling willen staan. Het kan namelijk al binnen 2 dagen, en het is bewezen ook. Wat zou het voor uw bedrijf en uw website kunnen betekenen als u binnen twee dagen boven aan de zoekmachines staat? En dus boven al uw concurrenten? W2 SEinclude maakt het waar. Stel u wilt boven aan staan met als keywoord 'kerst inkopen' De hoogste zoek machine plaatsing. Dat kan volgende week geregeld zijn..En het kan al vanaf Eur 500,00!
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Om enige media aandacht te verkrijgen maakte W2Solutions de perspagina op Yahoo.com. Deze pagina was in eerste intantie gericht aan Tonie van Ringelestijn, journalist van onder andere de TROS. W2Solutions plaatste deze pagina binnen 2 dagen op de nummer twee van Yahoo zoekmachine resultaten. U vindt de pagina hier De keywoorden die hierbij gebruikt zijn waren 'beste en journalist'.
Meer informatie over de w2Solutions vindt u op www.w2solutions.info. De website is in onderhoud tot maandag. U kunt uw bestelling en informatie aanvragen via onderstaande gegevens.
Meer informatie:
Wanneer u uw bedrijf wilt inschrijven kunt ons een mailtje sturen op het navolgend email adres. Wij nemen contact op met u om uw wensen te bespreken.
U kunt ons ook bellen als u verzekerd wilt zijn van een snelle service en om als een van de eersten boven aan de zoekmachines te staan. Voor meer informatie over W2 SEinclude, of om uw bestelling te plaatsen, kunt u daarom contact opnemen met Dhr. Janwillem Heikens, Directeur Research & Developement via 06-30318222.
Voor meer informatie over de W2 SEinclude kunt u ook contact opnemen met Dhr. Walter Schonewille, Commercieel directeur, via telefoonnummer: 06-27278935 of mail uw vragen en/of ebstelling naar w2seinclude@w2solutions.info
At 11:22 AM,
zoekmachine marketing said…
Hi Martijn ,
Wat een leuk blog! Wij hebben een website gezien over marketing zoekmachine
Tof, ik hoop dat je eens komt kijken!
Groeten,
W2
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At 5:08 AM,
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Credit Repair: Self Help May Be Best
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:
“Credit problems? No problem!”
“We can erase your bad credit — 100% guaranteed.”
“Create a new credit identity — legally.”
“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”
Do yourself a favor and save some money, too. Don’t believe these statements. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
This brochure explains how you can improve your creditworthiness and gives legitimate resources for low or no-cost help.
The Scam
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can’t deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.
The Warning Signs
If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam:
companies that want you to pay for credit repair services before they provide any services.
companies that do not tell you your legal rights and what you can do for yourself for free.
companies that recommend that you not contact a credit reporting company directly.
companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.
You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
The Truth
No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):
You’re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 months.
The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. For more information, see Your Access to Free Credit Reports at ftc.gov/credit
Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.
You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.
STEP ONE
Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.
Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.
If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
STEP TWO
Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.
For more information, see How to Dispute Credit Report Errors at ftc.gov/credit
Reporting Accurate Negative Information
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.
For more information, see Building a Better Credit Report at ftc.gov/credit
The Credit Repair Organizations Act
By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot:
make false claims about their services
charge you until they have completed the promised services
perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees
Your contract must specify:
the payment terms for services, including their total cost
a detailed description of the services to be performed
how long it will take to achieve the results
any guarantees they offer
the company’s name and business address
Have You Been Victimized?
Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams.
If you’ve had a problem with a credit repair company, don’t be embarrassed to report it. While you may fear that contacting the government will only make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.
Need Help? Don’t Despair
Just because you have a poor credit report doesn’t mean you won’t be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.
If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make “voluntary” contributions that only cause more debt.
Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.
If you are considering filing for bankruptcy, you should know about one major change to the bankruptcy laws: As of October 17, 2005, you must get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit
Do-It-Yourself Check-Up
Even if you don’t have a poor credit history, some financial advisors and consumer advocates suggest you review your credit report periodically
because the information it contains affects whether you can get a loan or insurance — and how much you will have to pay for it.
to make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
to help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Sample Dispute Letter
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing)
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Credit Repair: Self Help May Be Best
You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:
“Credit problems? No problem!”
“We can erase your bad credit — 100% guaranteed.”
“Create a new credit identity — legally.”
“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”
Do yourself a favor and save some money, too. Don’t believe these statements. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
This brochure explains how you can improve your creditworthiness and gives legitimate resources for low or no-cost help.
The Scam
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can’t deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.
The Warning Signs
If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam:
companies that want you to pay for credit repair services before they provide any services.
companies that do not tell you your legal rights and what you can do for yourself for free.
companies that recommend that you not contact a credit reporting company directly.
companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.
You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
The Truth
No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):
You’re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 months.
The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. For more information, see Your Access to Free Credit Reports at ftc.gov/credit
Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.
You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.
STEP ONE
Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.
Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.
When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.
If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
STEP TWO
Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.
For more information, see How to Dispute Credit Report Errors at ftc.gov/credit
Reporting Accurate Negative Information
When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.
For more information, see Building a Better Credit Report at ftc.gov/credit
The Credit Repair Organizations Act
By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot:
make false claims about their services
charge you until they have completed the promised services
perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees
Your contract must specify:
the payment terms for services, including their total cost
a detailed description of the services to be performed
how long it will take to achieve the results
any guarantees they offer
the company’s name and business address
Have You Been Victimized?
Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams.
If you’ve had a problem with a credit repair company, don’t be embarrassed to report it. While you may fear that contacting the government will only make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.
Need Help? Don’t Despair
Just because you have a poor credit report doesn’t mean you won’t be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.
If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make “voluntary” contributions that only cause more debt.
Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.
If you are considering filing for bankruptcy, you should know about one major change to the bankruptcy laws: As of October 17, 2005, you must get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit
Do-It-Yourself Check-Up
Even if you don’t have a poor credit history, some financial advisors and consumer advocates suggest you review your credit report periodically
because the information it contains affects whether you can get a loan or insurance — and how much you will have to pay for it.
to make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
to help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Sample Dispute Letter
Date
Your Name
Your Address
Your City, State, Zip Code
Complaint Department
Name of Company
Address
City, State, Zip Code
Dear Sir or Madam:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.
This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.
Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.
Sincerely,
Your name
Enclosures: (List what you are enclosing)
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
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