You may find fraud schemes in chat rooms, Automobile message boards, or on Web sites.

The this Disposal Rule became effective June 1, 2005. Credit reports and credit scores are Consumer reports. We proudly sponsor the Make A Child Automobile Report Consumer organization. Check out our consumer alert see mortgage foreclosure scams. Internet privacy is at important issue to us and your address will NEVER be shared!

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Are you facing on your home? Get all the facts before you pay to help you work out your mortgage problems. Integrity, discretion, privacy are key to our business success. The Federal Trade Commission, the nation's consumer agency, enforces the Disposal Rule. Some of these e-mails are being sent by people with a sincere desire to help, contain accurate information.

Each year, the Ombudsman evaluates the conduct of these activities and rates each agency's responsiveness small businesses. See the FBI's Telemarketing Fraud page for additional telemarketing fraud tips. The Rule applies to consumer reports or information derived from consumer reports. It was published in Federal Register on November 24, 2004 69 Fed.