Stuff to Blog About and More: FBI Warns of Relief Scams Following Gustav (and other storms.)

Recent history, including Hurricanes Katrina, Rita, and Ivan; the tsunamis in Asia; and the terrorist attacks of September 11, 2001, has shown that some criminals seek to profit from disaster by means of fraud. The FBI asks that individuals beware of e-mails claiming to seek donations for Hurricane Gustav relief efforts. The FBI will be checking for fraudulent websites and e-mails and will thoroughly investigate all complaints.

Everyone should consider the following:

Do not respond to unsolicited (spam) e-mail.
Be skeptical of individuals representing themselves as officials soliciting via e-mail for donations.
Do not click on links contained within an unsolicited e-mail.
Be cautious of e-mail claiming to contain pictures in attached files, as the files may contain viruses. Only open attachments from known senders.
To ensure contributions are received and used for intended purposes, make contributions directly to recognized organizations rather than relying on others to make the donation on your behalf.
Validate the legitimacy of the organization by directly accessing the recognized charity or aid organization's website rather than following an alleged link to the site.
Attempt to verify the legitimacy of the non-profit status of the organization by using various Internet-based resources, which also may assist in confirming the actual existence of the organization.
Do not provide personal or financial information to anyone who solicits contributions: providing such information may compromise your identity and expose you to identity theft.

“People that want to donate to the victims should do so, but should make sure the donation goes to a legitimate charity. We cannot allow the kindness of Americans to be exploited in times of crisis,” said Special Agent Richard Kolko, Chief, National Press Office. “We want to help ensure that the money and support so generously offered reaches the intended recipients—the victims of Hurricane Gustav—and that people who donate do not themselves become victims.”

FBI website

file a complaint at www.ic3.gov. For more information on e-scams, please visit the FBI's New E-Scams and Warnings webpage.

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FTC: Your Rights: Credit Reporting

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

How do I order my free report?

You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

A Warning About "Imposter" Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell annualcreditreport.com, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

For more information on free annual credit reports, read Your Access to Free Credit Reports.