Most borrowers know that when you apply for a mortgage or other loan, the lender will pull your credit report. What you may not know is that this allows credit bureaus to sell your credit information to third party vendors for firm offers. But you have the right to “Opt-Out” and prevent the four national consumer credit reporting companies from providing your credit file information to third party vendors for Firm Offers. To “Opt-Out” you should register your information at Opt Out Prescreen. This will stop the four credit reporting companies (Equifax, Experian, Innovas, and Trans Union) from selling your name as a trigger lead for a period of five years.

Other steps you can take to prevent unwanted solicitations:

• Register your home & wireless phone numbers on the National Do Not Call list. Your phone numbers will remain on this list indefinitely.
• Register your home & wireless phone numbers on the Texas No Call list. Your phone numbers will remain on this list for a period of three (3) years.
  
• Cut down on postal junk mail by registering your name & address at DirectMail.com.

Hope this helps you control your personal information and prevent unwanted solicitations.

Surprise!
Hidden in the pages of the new 2,409 page Health Care bill is a requirement that, starting Jan. 1, 2012, all companies must issue a 1099 to any individual or corporation that they buy more than $600 in goods or services from in a tax year. Yes, if that new computer you buy costs more than $600, you will have to send a 1099 to the store you bought it from and submit a copy to the IRS. In addition, companies will have to provide their customers with their employer ID and other necessary info so they can complete the necessary 1099′s.

This should kill a lot of the trees. Where else are we going to get enough paper to comply with this requirement.

Check out this article on CNNMoney.com by Neil deMause that explains in more detail the Health care laws massive, hidden tax change.