Bad Credit

Bad entrepreneurs, how to get a credit freeze and spam, spam, spam

I pay close attention to my mail, looking for new trends, great stories, and, to use this fast paced shot, news that you can use.

When you write to me it’s confidential, but before printing anything I ask permission to use real names.

Each of these letters arrived last month. They were edited for space reasons.

Dear watchdog:

What is the safe way to freeze all credit reports? There are far too many links online to feel safe using any of them.

– Joe Haywood from Sunnyvale

Dear Joe:

You go to each of the big three credit bureaus’ websites (Experian, Equifax, and TransUnion) and search for “security freeze” or “credit freeze” in their area.

I just did this as part of my recent story on this. Best Advice: Have a notepad and pen nearby, as you’ll need to write down the code numbers and passwords you’ll need later to unlock your security freeze.

If you’re locked out, and I did, it’s hard to prove your identity. This is why good record keeping is essential. Be very organized as it gets a bit confusing.

Dear watchdog:

I’m sorry to bother you with this. I need an Apple Gift Card for my niece. I will reimburse you with the money spent.


Dear Nina:

Go away, you worthless crook.

Dear watchdog:

I’m having trouble finding details of the proposed new voting laws in Texas. Could we have a comparison with the current and proposed changes?

– Judith Pelowski from Red Oak

Dear Judith:

Here is the best way to research that. Go to and search for the bill by its numeric name, HB for the House bill and SB for the Senate bill.

If you don’t know the invoice number, and I usually don’t know it, I first search the web for a news article or lobby group webpage. who has the number.

Once you enter the name of a bill, you can see all versions of the bill, what the new language is (underlined) and even videos of public hearings and indoor debates. .

By the way, the bill you are interested in is SB 1 (2021, second extraordinary session).

Dear watchdog:

Your email account has been selected for a donation of $ 3.5 million to charity. Contact us please.

[email protected]

Dear ej:

Sorry, I’m busy buying the Brooklyn Bridge right now.

Dear watchdog:

You’ve written about caller ID theft and the new Federal Communications Commission standard. The Telephone Robocall Abuse Criminal Enforcement and Deterrence Act (TRACED) was enacted in December 2019 by President Donald Trump. It has set a deadline for service providers to comply at the end of June 2021. It essentially makes compliance with the new blocking technology mandatory for all voice service providers.

I can’t prove it. We are now at the end of August and I see no change in the number of fraudulent calls received on a daily basis. Can you give me an update?

– Richardson’s Harry Gaertner

Dear Harry:

This is an excellent summary of the robotic calling situation. The new technology is a key part of a new requirement that all phone calls must display the correct caller ID. No more pretending to call a local number when they are away from you.

Copper landline phones, however, do not accept the new technology. Telephone operators with less than 100,000 customers either. They have until June 2023 to comply.

AT&T says it is now blocking a staggering 1 billion spam calls per month.

The problem, and it shouldn’t surprise you, Harry, is that robocalls from overseas are harder to stop.

Robokiller, a company that measures spam calls, estimates that in July, the first month of new technology, Americans received 5.7 billion spam calls, down 3% from June. Spam SMS increased 5% from June to July to 7 billion.

Texans received the most spam calls of any state in July with 684 million, an average of 29 spam calls to every Texan, about one per day. California was second with 575 million text messages, or 17 per month for each person.

Most of the calls are for vehicle warranties, health insurance, or insurance scams.

Texas also leads as the state receiving the most spam messages in July (735 million or 31 for each person).

We are number one!

Dear watchdog:

I am writing to you to find out if you or your company can help me invest in your country. I have $ 20.5 million. Send me an email.

– Diana Wills

Dear Diane:

You stupid crook. How did you get my address?

Dear watchdog:

I read your article on lousy entrepreneurs. Unfortunately, construction is a great place for thieves and crooks. I think they are a small minority.

I am a 93 year old retired general contractor. I thrived in the Dallas area for 40 years under my own name. My job was commercial, schools, churches, hospitals and renovations.

In 1966, I was president of the Associated General Contractors of America. Contractors in Texas do not need a license. We don’t want it.

When people are dealing with contractors, they should never advance money to them. They are supposed to be businessmen, and as such they should have the capital to start a job.

– Hyatt Cheek Jr. of Dallas

Dear Hyatt:

Thank you for your rating and the advice on upfront payments. We will not agree on the license. The internet, which did not exist when you were working, makes it so easy to deceive people. Texans need protection.

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