Happy New Year!
Best Wishes for a Great New Millennium!
When YOU send timely payment in full to us, we send payments to your
Your client # is listed on your statement.If a creditor calls you, tell them you
are now with a credit counseling agency.Give them your client number and the name
of your account manager. Do not give creditors the toll free numbers! Give them
Here are the credit card banks that readers complained about most in a recent Ugliest
Credit Card Incident contest:
Bank One/FirstUSA was named by 39% of readers; Capital One by 10%; American Express
by 7.6%; Citicorp by 6.8%; MBNA by 5.9%, and Providian and Fleet Bank, both 5.8%.
Source: Daily Record (October/November)
Please contact your account manager if you want a letter to send the above creditors.
This letter requests an itemized accounting of your payments and charges. The letter
suggests if they find errors they recalculate the account and give proper credit
Call and ask your account manager.
Financial institutions now share information with their “affiliates,” or they might
sell your personal data to somebody for a big commission!
A bank might turn you down for a loan because they find out you need major surgery.
Or your auto insurance coverage is denied after learning you’ve been late with your
This is what faces consumers as big financial organizations continue to share or
peddle your personal financial records – your privacy – to other outfits.
They are not required to tell what they did with your sensitive personal data --
including your name, age, address, phone number, bank account numbers, checking
balance, Social Security Number, credit card history and your overall creditworthiness.
There is very little legal protection. And the situation can get worse. Many financial
outfits collect information on your spending habits, including many on the Internet.
Then they sell information to companies that promote similar products.
Even state governments have announced they sell confidential wage data to car dealers,
mortgage companies, banks and creditors.
Want to tell them “None of Your Business!”? Call your account manager and get a
sample letter to send to your bank or credit card company.
Source: The Daily Record article by Robert K. Heady
Banks Looking to Peddle Your Private Financial Information
Tired of your name and address being exchanged for marketing purposes, or are tired
of unwanted mail? There are several steps you can take to get off mailing lists.
Be persistent and don’t expect to get rid of it all.
You can get your name removed from most national mailing lists by contacting:
The Direct Marketing Association
Mail Preference Service
PO Box 9008
Farmingdale NY 11735-9008
You will see a reduction in catalog, magazine offers, sweepstakes and other national
Want to stop only some of your “junk” mail, but still get some “junk” mail?
Then do not contact the Direct Marketing Association’s Mail Preference Service.
Instead, contact companies individually and ask them to remove your name.
Always look for information disclosure notices and opt-out opportunities. Safeguarding
privacy is good business for you and for businesses.
Source: Privacy Rights Clearinghouse
For additional information and other resources, please call your account manager.
If you MUST make a change to your EFT, please send written notice to us at least
TEN days before the pull date. Our fax number is 402-393-4141. After faxing wait
30 minutes then call your account manager to make sure your fax was received.
Your January money order or Western Union payments must be in our office by 10 AM
January 18th to be processed for end of month payment. NO personal checks, thank
We need to hear from you about creditor statement balances! Please call or send
copies of ALL your creditor statements if you didn’t last month. Thank you!