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Box 105281 Atlanta, GA 30348-5281 A Summary free official credit report of YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT Fraud Secrets: A Backstage Tour WHAT A CON ARTIST LOOKS FOR IN A SCAM VICTIM From the Powerful to the Powerless: No one is immune from a good scammer. How you free official credit report are chosen and manipulated From the Privacy Rights Clearinghouse Paying by Credit Card or Check: What Can Merchants Ask? free credit report credit card Many states have laws that dictate what kind of information merchants can free official credit report and cannot ask free official credit report for or write down when a consumer pays with a check or free official credit report credit card. The remaining information in this fact sheet applies free official credit report specifically to California. Two California laws limit the collection of personal information by merchants when you pay by credit card or check. credit fraud reporting These free official credit report laws were enacted to prevent fraud and limit the amount of personal information which can be collected by merchants. When a consumer pays with a credit card, the merchant cannot record any personal information other than what is on the front of the credit card. (California Civil Code 1747.free official credit report 8) When free official credit report a consumer pays with a check, the merchant cannot record the credit card number. (California Civil Code 1725) MasterCard Bylaws 9.11.2 generally restrict merchants from requiring free official credit report identification in face-to-face signature transactions. free credit report website Of course the MasterCard rule is trumped by laws that require the merchant to verify the age of customers for certain kinds of purchases.