•Receive a free copy of your credit report
Check your credit report annually, at no charge, by calling 877.322.8228 or visit www.annualcreditreport.com. Be sure to request the report include all three major credit reporting agencies – Equifax, Experian and TransUnion.
•Stop junk mail
For removal from most national advertising mailing lists, register at www.dmaconsumers.org ($1 fee) or send your name and home address, along with a check or money order, payable to IMS, for $1 to Attn: IMS, Mail Preference Service (MPS), PO Box 643, Carmel, NY 10512-0643
•Stop pre-approved credit card offers
The credit bureaus offer a toll-free number that enables you to “opt-out” of having pre-approved credit offers sent to you for five years. Call 1.888.567.8688 or visit www.optoutprescreen.com for more information.
•Stop telemarketing calls
The federal government has created the National Do Not Call Registry – a free easy way to reduce the telemarketing calls you get at home. To register your phone number or to get information about the registry, visit www.donotcall.gov, or call 1.888.382.1222 from the phone number you want to register.
•Check to be certain a company offering home improvement services is properly licensed before you do business
Virginia Board for Contractors regulates businesses in this industry. 804.367.8500 or visit www.dpor.virginia.gov
•Resources and guidance specific to senior issues
Virginia Department for the Aging is a central point of contact for senior information and services. 804.662.7650 or visit www.vda.virginia.gov