• 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), P.O. 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 (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 (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. The Virginia Board for Contractors regulates businesses in this industry. They can be reached at (804) 367-8500 or online at www.dpor.virginia.gov.
• Resources and guidance specific to senior issues.
The Virginia Department for the Agingis a central point of contact for senior information and services. They can be reached at (804) 662-7650 or online at www.vda.virginia.gov.