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Who can view my credit report if I have a security freeze or credit report lock?
Who can view my credit report if I have a security freeze or credit report lock?

Locking or freezing your Equifax credit report will prevent access to it by certain third parties. Locking or freezing your Equifax credit report will not prevent access to your credit report at any other credit bureau. Entities that may still have access to your Equifax credit report include:
• Companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service;
• Companies that provide you with a copy of your credit report or credit score, upon your request;
• Federal, state, and local government agencies and courts in certain circumstances;
• Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes;
• Companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe;
• Companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and
• Companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.

Equifax maintains consumers’ credit reports and provides information to certain customers, including credit card companies and lenders, so that they may offer pre-approved offers to consumers as permitted by law. Consumers that prefer not to receive such offers should visit www.optoutprescreen.com, or call toll free at 1-888-5-OPT OUT (or 1-888-567-8688). Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123. Consumers should include their complete name, full address, Social Security number, and signature. Equifax will remove the consumer’s name from its pre-approved offer database and share the request with the other two nationwide consumer reporting agencies.
Who  can  view  my  credit  report  if  I  have  a  security  freeze  or  lock  ? 
6 weeks ago by neerajsinghvns
5 Apps Every CEO Should Have
https://www.businessnewsdaily.com/1464-best-business-apps-for-ceos.html
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5  Apps  Every  CEO  Should  Have  AppStore  iPhone  iPad  iPod  touch 
january 2019 by neerajsinghvns
Must-Have Car Features, and Those You Can Skip - Consumer Reports
https://www.consumerreports.org/cro/news/2015/03/must-have-car-features-and-those-you-can-skip/index.htm ;;;
tags: must have features in a new car van minivan ;;;
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apple CarPlay
trailer hitch (adapter for bike rack)
back up camera (standard since May 2016? or 2018?)
blueTooth (standard since May 2016? or 2018?)
remote start
Blind-spot monitoring
Dual-zone automatic climate control
Automatic high beams
Spare tire
Keyless entry
Driver Easy Speak (Toyota)
360 Degree Bird Eye View
110V outlet
USB Ports
Sound outlets for EarBuds or EarPhones
ceiling mounted Blu Ray dvd player; preferably with HDMI inputs somewhere low by the driver seat.
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Forward-collision warning (FCW) uses laser, radar, or cameras to assess surrounding conditions, as well as the speed of your approach to a potential impact with a vehicle ahead of you. The system alerts you with visual and/or audible signals to a potential crash, allowing you time to react. Some systems also sense and alert you to the potential for a collision with pedestrians. We want to see forward-collision warning standard in every car.

Automatic emergency braking (AEB) adds to the benefits of forward-collision warning. AEB will sense a potential collision, and if you don’t react in time, the car will initiate braking for you. Auto-braking is another technology we would like to see standard in every car.

A backup camera is like having eyes in the back of your head, reducing the risk of reversing over or into something that might otherwise be unseen behind the vehicle. It’s both a safety feature and a convenience for parking.

Rear cross-traffic alert takes seeing behind you to the next level by warning you when other traffic is approaching from the side as you back out.

Blind-spot monitoring signals when there’s a car in the blind spot beside you on the road. The best systems illuminate little lights in the side mirrors where you should be looking anyway. They emit a chime if you signal a move toward a car next to you. We’ve found these systems to be very effective.

Apple CarPlay and Android Auto bring the features and usability of your smartphone to the car’s dashboard. The appeal is being able to use interfaces you are familiar with to the larger screen of your car’s infotainment system. The systems allow you to use a selection of car-friendly apps, and make voice-activated texting simple.

Bluetooth connectivity lets you answer a cell-phone call hands-free, without fumbling with the phone or risking a law violation. In addition, Internet-sourced audio can typically be streamed to the car wirelessly, provided you took the time to pair the phone to the car.

360-degree surround-view camera systems help drivers park more easily, and check for obstructions, through a bird’s-eye view from above the vehicle. Multiple cameras positioned around the car show parking lines relative to the vehicle, making maneuvering in tight situations a snap.

Head-up displays share redundant information such as current speed, navigation information and audio selections on the windshield directly in front of the driver. This reduces the need for the driver to move their eyes from the road to the dashboard or central display screen, although it may take some getting used to.

A USB port can be used to charge a device and play music through the stereo.

Voice controls can keep you from fumbling either with your phone or the car’s controls when looking for the perfect song or trying to phone home. They’re also handy for entering a destination in the navigation system, even under way.

Heated seats and steering wheel can be much appreciated during a cold winter. Trust us, once you try these, you’ll never want to live without them.

Dual-zone automatic climate control allows the driver and front passenger to fine-tune temperature settings. Set and forget—the system will make adjustments as needed to keep everyone comfortable. It also has a safety benefit – in Auto mode, you’ll be fumbling less.

Automatic high beams take the stress out of driving on back roads at night by automatically turning off the high beams for oncoming traffic, and then turning them back up once the cars have passed. We’ve found some systems work much better than others, however.

Spare tire. Lots of cars come without them these days, so check before you buy. In many cases, a spare tire can be added for a fee.

Keyless entry makes a huge difference when you’re trying to open the car and you have your hands full of bags, babies, or a briefcase. Just walk up and open the doors—sometimes by touching a sensor on the handle. Almost all cars with keyless entry also have pushbutton start. But even if they don’t, it’s easier to fish for the key once your hands are free.
must  have  features  in  a  new  car  van  minivan  ConsumerReports 
december 2018 by neerajsinghvns
affect vs. effect : Choose Your Words : Vocabulary.com
https://www.vocabulary.com/articles/chooseyourwords/affect-effect/ ;;;
tags: affect vs. effect : Choose Your Words Vocabulary.com | vocabulary dictionary compare versus vs needsEditing HTGFATS || words that sound similar but have different meaning meanings ;;;
affect  vs.  effect  :  Choose  Your  Words  Vocabulary.com  |  vocabulary  dictionary  compare  versus  vs  needsEditing  HTGFATS  ||  that  sound  similar  sounding  but  have  different  meaning  meanings 
november 2018 by neerajsinghvns
How much money Americans have in their 401(k) accounts
Here is how much money Americans have in their 401(k)s at every age
Kathleen Elkins | @kathleen_elk
11:24 AM ET Wed, 12 Sept 2018
Contributing to an employer-sponsored 401(k) plan is an effective way to save for retirement: You get significant tax advantages, the money is automatically taken from your paycheck before you have the chance to spend it and, often, companies offer a match, which is essentially free money.
Consistent contributions can even make you a millionaire. In fact, the number of Fidelity 401(k) accounts with a balance of $1 million or more recently hit a record of 168,000, up 41 percent from last year.
To give you an idea of how your retirement savings stack up against your peers, check out the average 401(k) balances in Fidelity accounts, as of the second quarter of 2018, broken down by age. The data was provided to CNBC Make It by Fidelity, the nation's largest retirement-plan provider:
Age 20 to 29: $11,500
Age 30 to 39: $42,700
Age 40 to 49: $103,500
Age 50 to 59: $174,200
Age 60 to 69: $192,800
Here are the average contribution rates by age, also from Fidelity:
Age 20 to 29: 6.8 percent
Age 30 to 39: 7.6 percent
Age 40 to 49: 8.4 percent
Age 50 to 59: 10 percent
Age 60 to 69: 11.1 percent
How much should I be saving for retirement?
What if I don't have a 401(k)?
If you're one of the many Americans without access to a 401(k), don't stress, and don't use that as an excuse to put off saving for retirement. You have plenty of other options, including a traditional, Roth or SEP IRA, a health savings account (HSA) or a normal investment account.
Read up on all of your options, choose an account to fund and start setting aside money for your future today.
Don't miss: 1 in 3 Americans have less than $5,000 saved for retirement—here's why so many people can't save
Like this story? Subscribe to CNBC Make It on YouTube!
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Here  is  how  much  money  Americans  have  in  their  401(k)s  at  every  age  needsEditing  401k  retirement  investment 
september 2018 by neerajsinghvns
YouTube
Homemade Panel Saw From Pipes And Castors -- Every Workshop Should Have One!
Way Out West Blow-in blog
Homemade  Panel  Saw  From  Pipes  And  Castors  --  Every  Workshop  Should  Have  One!  Way  Out  West  Blow-in  blog  howto  build  needsEditing  questionable  created  using  a  circularSaw  circular 
may 2018 by neerajsinghvns
(26) Text to Speech - Have your Computer Read to You - How to Use this Tool - YouTube
https://www.youtube.com/watch?v=TBQE6RE-Jj0 ;;;
tags: (26) Text to Speech - Have your Computer Read to You - How to Use this Tool - YouTube ;;;
Text  to  Speech  -  Have  your  Computer  Read  You  How  Use  this  Tool  YouTube 
may 2018 by neerajsinghvns
do you have a patent to license to us?
http://www.razorbackprofessional.com/customer-service/inventors-page.aspx;;;
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Inventors Page

Have a clever idea?

To submit a product invention for review, click here to begin the process!

Inventor Frequently Asked Questions

Do I need to have a patent to submit? You will need to have filed for a patent application before submitting your idea. We require a patent application to have been filed in order for us to review your information.

Does the NDA (non-disclosure form) protect me? No, if you have a patent pending or patented product, that protects you and nothing in the NDA takes that right away. It’s always good to consult an attorney if you have questions.

What do I need to submit for consideration? Click on the link above that reads “To submit a product invention for review, click here to begin the process!” You will be taken to another website and can follow the step-by-step directions on that site to submit your invention.

What is the process? Your information wil
invention  got  inventions  clopay  FAQ  do  you  your  have  a  patent  license  to  us  inventor 
october 2013 by neerajsinghvns
Seller Central
https://sellercentral.amazon.com/errors/contact.html;;;
seller central is currently unavailable if you have an urgent question please use the following form to contact amazon services;;;
seller  central  is  currently  unavailable  if  you  have  an  urgent  question  please  use  the  following  form  to  contact  amazon  services 
august 2011 by neerajsinghvns

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