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What can I do to stop calls that ask about my credit?

What can I do to stop calls that ask about my credit?Install a call blocker app(s) on your mobile phone; I use two simultaneously.10 Best Call Blocker Apps for Android and iOSTop Best Call Blocker Apps For SmartphonesBest Free Robocall Blocker Apps for iPhone and AndroidYouTube: Stop Robocalls and ScammersIf you only have a landline hangup. Please do not give out personal information from an incoming call. It's a scam and an attempt to steal from you by identity theft.SOURCE: Best Landline Call Blocker Devices to Block Robocalls | MashtipsHow to block robocalls on a landline phone - The Silicon UndergroundStop the Robocalls: Tips to Hang up on Them for GoodLocal Call Spam? Here's How to Block Robocalls on Landline and Mobile | Pivotal ITRobocalls Flooding Your Cellphone? Here’s How to Stop ThemAn official website of the United States governmentIdentity TheftHow to protect yourself against identity theft and respond if it happens.Identity (ID) theft happens when someone steals your personal information to commit fraud.The identity thief may use your information to fraudulently apply for credit, file taxes, or get medical services. These acts can damage your credit status, and cost you time and money to restore your good name.You may not know that you’re the victim of ID theft immediately. You could be a victim if you receive:Bills for items you didn't buyDebt collection calls for accounts you didn't openDenials for loan applicationsChildren and seniors are both vulnerable to ID theft. Child ID theft may go undetected for many years. Victims may not know until they’re adults, applying for their own loans. Seniors are vulnerable because they share their personal information often with doctors and caregivers. The number of people and offices that access their information put them at risk.Types of ID TheftThere are several common types of identity theft that can affect you:Tax ID theft - Someone uses your Social Security number to falsely file tax returns with the IRS or your stateMedical ID theft - Someone steals your Medicare ID or health insurance member number. Thieves use this information to get medical services or send fake bills to your health insurer.Social ID theft - Someone uses your name and photos to create a fake account on social mediaTake steps to avoid being a victim of identity theft. Secure your internet connections, use security features, and review bills. Read moreabout how you can prevent identity theft.Prevent Identity TheftKeep these tips in mind to protect yourself from identity theft:Hang-up to anyone you do not knowSecure your Social Security number (SSN). Don’t carry your Social Security card in your wallet. Only give out your SSN when absolutely necessary.Don’t share personal information (birthdate, Social Security number, or bank account number) just because someone asks for it.Collect mail every day. Place a hold on your mail when you are away from home for several days.Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.Use the security features on your mobile phone.Update sharing and firewall settings when you're on a public wi-fi network. Use a virtual private network, if you use public wi-fi.Review your credit card and bank account statements. Compare receipts with account statements. Watch for unauthorized transactions.Shred receipts, credit offers, account statements, and expired credit cards, to prevent “dumpster divers” from getting your personal information.Store personal information in a safe place.Install firewalls and virus-detection software on your home computer.Create complex passwords that identity thieves cannot guess. Change your passwords if a company that you do business with has a breach of its databasesReview your credit reports once a year. Be certain that they don't include accounts that you have not opened. You can order it for free from Annualcreditreport.com.Freeze your credit files with Equifax, Experian, Innovis, TransUnion, and the National Consumer Telecommunications and Utilities Exchange for free. Credit freezes prevent someone from applying for and getting approval for credit account or utility services in your name.Report Identity TheftReport identity (ID) theft to the Federal Trade Commission (FTC) online at IdentityTheft.govor by phone at 1-877-438-4338.If you report identity theft online, you will receive an identity theft report and a recovery plan. Create an account on the website to update your recovery plan, track your progress, and receive prefilled form letters to send to creditors. If you don't create an account, you won't be able to access the report or letters later. Download the FTC's publication (PDF, Download Adobe Reader) for detailed tips, checklists, and sample letters.If you report identity theft by phone, the FTC will collect the details of your situation. But it won't give you an ID theft report or recovery plan.You may also choose to report your identity theft to your local police station. It could be necessary if:You know the identity thiefThe thief used your name in an interaction with the policeA creditor or another company requires you to provide a police report.Report Specific Types of Identity TheftYou may also report specific types of identity theft to other federal agencies.Medical Identity Theft - Contact Medicare’s fraud office, if you have Medicare.Tax Identity Theft - Report tax ID theft to the Internal Revenue Service.Report Identity Theft to Other OrganizationsYou can also report the theft to other organizations, such as:Credit Reporting Agencies - Contact one of the three major credit reporting agencies to place fraud alerts or freezes on your accounts. Also get copies of your credit reports, to be sure that no one has already tried to get unauthorized credit accounts with your personal information. Confirm that the credit reporting agency will alert the other two credit reporting agencies.National Long-Term Care Ombudsman Resource Center - Report cases of identity theft that resulted from a stay in a nursing home or long-term care facility.Financial Institutions - Contact the fraud department at your bank, credit card issuers and any other places where you have accounts.Retailers and Other Companies - Report the crime to companies where the identity thief opened credit accounts or even applied for jobs.State Consumer Protection Offices or Attorney General - Some states offer resources to help you contact creditors and dispute errors.You may need to get new personal records or identification cards if you're the victim of ID theft. Learn how to replace your vital identification documents after identity theft.Tax ID TheftTax-related identity theft occurs when someone uses your Social Security number to get a tax refund or a job. You may not be aware of the problem until you E-file your tax return and find out that another return has already been filed using your Social Security number. If the IRS suspects tax ID theft, they will send a 5071C letter to the address on the federal tax return. Keep in mind, the IRS will never start contact with you by sending an email, text, or social media message that asks for personal or financial information. Watch out for IRS imposter scams, when someone contacts you saying they work for the IRS.Report Tax ID TheftIf you suspect you have become a victim of tax ID theft—or the IRS sends you a letter or notice indicating a problem—take these steps:File a report with the Federal Trade Commission (FTC) at IdentityTheft.gov. You can also call the FTC Identity Theft Hotline at 1-877-438-4338 or TTY 1-866-653-4261.Contact one of the three major credit bureaus to place a fraud alert on your credit records:Equifax: 1-888-766-0008Experian: 1-888-397-3742TransUnion: 1-800-680-7289Contact your financial institutions, and close any accounts opened without your permission or that show unusual activity.Respond immediately to any IRS notice; call the number provided. If instructed, go to the IRS Identity Verification Service.Complete IRS Form 14039, Identity Theft Affidavit (PDF, Download Adobe Reader); print, then mail or fax according to instructions.Continue to pay your taxes and file your tax return, even if you must do so by paper.Check with your state tax agency to see what steps to take at the state level.How to Protect YourselfFollow these steps to prevent tax identity theft:DoFile your income taxes early in the season, before a thief can file taxes in your name. Also, Keep an eye out for any IRS letter or notice that states:More than one tax return was filed using your Social Security number.You owe additional tax, you have had a tax refund offset, or you have had collection actions taken against you for a year you did not file a tax return.IRS records indicate you received wages from an employer unknown to you.Don’tDon’t reply to or click on any links in suspicious email, texts, and social media messages. Make sure to report anything suspicious to the IRS.Medical ID TheftMedical identity theft can occur when someone steals your personal identification number to obtain medical care, buy medication, access your medical records, or submit fake claims to your insurer or Medicare in your name.Report Medical Identity TheftIf you believe you have been a victim of medical identity theft, call the Federal Trade Commission at 1-877-438-4338 (TTY: 1-866-653-4261) and your health insurance company’s fraud department. You can report the theft through IdentityTheft.gov to share with the FTC and with law enforcement. Also get copies of your medical records and work with your doctor's office and insurance company to correct them.If you suspect that you have been the victim of Medicare fraud, contact the U.S. Department of Health and Human Services’ Inspector General at 1-800-447-8477.Prevent Medical Identity TheftTake these steps to prevent medical identity theft:Guard your Social Security, Medicare, and health insurance identification numbers. Only give your number to your physician or other approved health care providers.Review your explanation of benefits or Medicare Summary Notice to make sure that the claims match the services you received. Report questionable charges to your health insurance provider or Medicare.Request and carefully review a copy of your medical records for inaccuracies and conditions that you don’t have.Do you need help?Ask us any question about the U.S. government for free. We'll get you the answer or tell you where to find it.Call USA.govChat with USA.govForm Approved OMB#3090-0297 Exp. Date 07/31/2019Last Updated: February 14, 2019TopfooterAbout Official Guide to Government Information and Services | USAGovAsk Official Guide to Government Information and Services | USAGov a Question

What are the most common examples of "jeitinho" in Brazil?

The "jeitinho" in Brazil is born from the immense ingenuity and non-conformity with the impossible of our people, we will find a way, even it there's no way, sadly it can, and will bite the borders of corruption, but in its pure form it's the gentleman's way, the way to make everyone happy and no one sad.It's born from the necessity to bend oppression, bureaucracy, it's an anarchic way of doing things, bending the laws that were not meant to help the people, but oppress them, but then again, it will mix itself with plain corruption more than often.So, some of the examples:Use someone else's document that give you some specific right, like a students id that will give you half-ticket prices on movies, concerts and so on. The organisers will set the price double of the real price, because everyone will just show up with a student id anyway and pay half. It also happens with black fridays, everything for the half of the double.Tolerance for being late, sometimes you are late for something, and it's already closed but it is your last chance to do that something, people will find a way to help you. Including faking the time you attended and so on.Fake presence. Sometimes you really need to be somewhere else but your classes for example, and you get a friend to mark your attendance. It happens at work too, but then it's a crime, really common at public offices unfortunately.Paying or charging for stuff you shouldn't pay or charge. Public parking spots, to do someone else's homework/workChanging favours, that is basically the basis of the true "jeitinho", everything that can be exchanged will be exchanged, from a simple "I make dinner, you wash the dishes" to a criminal "now I rig so you win this auction, next time is my time".Committing small infractions when "it's really fast and it's not going to hurt anyone!" like stopping at a handicap spot, trying to jump a line and some others.All these sound a bit awful because they are so common but mostly we are so more ingenious than that, because we use "jeitinhos" for more complicated stuff, I'll tell my common "jeitinhos".My stepmother sells drinks for bars and supermarkets, I drink, I love the pure malt beer she sells, on the supermarket it costs R$3,00, and on the bars R$4,00. She sells for R$1,99, but I can't buy directly because I'm not a company and I can't be at home for the delivery time. So whenever my favourite bar near my home order with her I add a 24 beer can pack for me, they deliver at the bar, they pay, then I pay then and get the pack.This is a classic "Jeitinho", stretching the interpretation of the laws to avoid a complicated, unpleasant situation. Even police uses it. Once I was driving my 4x4 on the beach sand, the car is legal, but I have my license revoked a while ago because of speed limit infractions, I can't drive on streets. But it was late night and I was off-roading on the beach. My car got stuck, I knew I couldn't remove it, so I went walking to rent a tractor. But it took me 4 hours to close the deal on the tractor. I had no cell phone or anything on me, not even my documents. When I finally arrived with the tractor there were 2 police cars and 5 officers there, they called my family and said I was probably drowned, that the ocean was going to drag the car and a lot of stuff. When I got there they asked for the documents, mine and the car documents. I said I didn't had my driving license with, because I was after the tractor and left it home. But showed them the car documents. They said I could remove the car, but I couldn't drive the car, "wait for us to go". That because the correct action was to impound the car, but they couldn't, I had to use a tractor and it wasn't easy, if they could they would already been done that. So I waited them to go and drove home, a month later I got a ticket for "parking in discordance to the traffic laws at Av. Francisco Bianco" which is QUIIIITE a stretch (Jeitinho) since there's no law forbidding someone from getting their car stuck on a beach. So I used a jeitinho to not get my car impounded and a heavy fine, they used a jeitinho to not find a heavy machinery and lose their time there to unstuck my car and impound it and still fine me for the time they were there thinking I was kidnapped or something. A picture will explain the size of the stretch. That's how far the Av. is from the beach, and it's an abandoned dirty road, I wonder what are the regulations for parking there, maybe there was a handicap spot?!Another jeitinho I use. Here in Brazil we have basically 2 ID numbers, that's CPF, the social security number, which is actually useful, valid and verified by a math formula but it's just a number attached to your name, no pictures, no birth date, no other infos. And the ID card which is valid throughout the whole country but it's issued on a state basis. It has a photo, filiation, birth date and so on, but the numbers can't actually be verified by any formula, anything can be a valid ID number, it can even contains letters. So when registering online on anything that is not really important or that I'll never need to actually show my ID I just type gibberish on this field, because I actually don't have one anymore, I had many, from many states, but lost one by one and I'm not in the mood to get a new one.Once I went out and hooked up with this hot girl, and after the party I went to a nice brand hotel, usually I would use a love motel, because they don't ask questions but this girl was the kind of breakfast in the bed girl, in the check-in the receptionist asked for my ID, oh damn, remember when I said I lost all of them. I called my sister and asked her to take a picture from my passport and send me over whatsapp, and then I sent him over e-mail. It works for their process because they need to scan the passport, so he just printed it. I doubt this would work in Germany for example, it was an international brand hotel.I'm a master lending and borrowing money, borrowing money to lend money, not for the interest, but to make my friends make parties when we are broke, I will always get money for a party, if there's a place and a will to do a party I will provide the means, getting money from someplace to another place and then back is the "malandro" way and it mixes with the "jeitinho" way. In the end, by various methods of lending, borrowing, buying tickets earlier and selling it in the entrance, inviting the right people, the parties become free for me. Not only that the food and drink are so creative, when the money is short you have to give your "jeitinhos".

How on earth am I supposed to get an FSA ID as an international student?

I assume by “my application” you mean a financial aid application, not your college application, correct?My advice to any applicant who has some circumstances that don’t fit a standard form is to always contact the financial aid office directly (call/email), explain the situation and ask for their instructions.I figure you are not the only international student applying for financial aid and I do not understand why colleges cannot post the instructions on their website for such situations. I can only imagine how frustrating it is to deal with this, trying to get everything done by the deadline. I mean, colleges ask international students to fill out FAFSA, knowing quite well that you cannot submit FAFSA without SSN or FSA ID (which is directly connected to SSN). I understand that it is convenient for them to get these financial data from students which will help to determine the amount of financial aid (not federal or state, but from other sources) or scholarships the college could provide. But why cannot they post the instructions how to deal with “no SSN” situation? Beats me!OK, deep breath, putting all the frustration aside, and let’s see what can be done. First thing first: Try to call the financial aid office and ask for their instructions. If you cannot call, email them. If for whatever reason you cannot get a reply from the financial aid office fast enough, here are some things that might help you.It’s important to understand that FAFSA form is required for federal financial aid, and international students are not eligible for federal aid. So any FAFSA form submitted without SSN won’t be processed by the agency. Since it won’t be processed electronically anyway, the best you can do is to deliver your financial info to the colleges somehow, so they would have it for whatever purposes they need it.What I suggest you to do is to fill out this form and send it to colleges, without submitting it electronically.FAFSA Filing Options says you can use a pdf form. Here is the pdf file for 2017–18 academic year https://fafsa.ed.gov/fotw1718/pdf/PdfFafsa17-18.pdf.Print it, fill out to the best of your knowledge, scan it, and send to the financial aid office of the colleges that require it.Send a note with it, explaining that you couldn’t submit it electronically since you don’t have a SSN, so you hope this will work and deliver all the financial info they need for their purposes. The usual “Please let me know if you you need anything else from me to complete my financial aid application.” should indicate that you are ready to provide any additional info if they ask.I guess if they say that parents without SSN need to put 000000000 instead, that’s what you also need to do instead of your SSN too.I spent more time on this answer than I normally do, because I tried to find some reasonable advice/info on this matter and I couldn’t. So it’s my own best guess on how to deal with this situation and I really hope it helps.——————————————————-https://financialaidtoolkit.ed.gov/tk/outreach/target/noncitizens.jspHow should the student fill out the FAFSA if the parents have no Social Security numbers?If the parent does not have a Social Security number, he or she must enter all zeros without dashes (e.g., 000000000).How should the student fill out the FAFSA if the family lives outside the United States?The student must select “Foreign Country” if the parents' legal residence is in a foreign country.For Mexico or the Canadian provinces, the student should type 00000 in the space for ZIP code. For all other addresses outside the United States, the student should do the following:Write the city and country in the space for City (abbreviations are acceptable but must be understandable).Choose “ Foreign Country” for the answer to the State question.Enter 00000 in the space for ZIP code.For parents, that’s what FAFSA website says about Reporting Parent Information:What kind of information must my parents provide for the FAFSA? For each parent, you’ll report similar information to that you report for yourself: basic information about your parent’s identity (e.g., name, Social Security number–if he or she has one, date of birth); living situation (e.g., marital status, state of residence, household size); and financial circumstances (e.g., tax information, certain assets, certain untaxed income).Read our Filling Out the FAFSA page to learn more about the types of information you and your parents will report on the FAFSA.Note “ if he or she has one” about SSN - so they do not say that parents must enter SSN.About reporting foreign income Foreign tax return:If you (and your spouse) or your parents filed (or will file) a foreign tax return, use the information from the foreign tax return to fill out this form. Convert all monetary units to U.S. dollars using the published exchange rate in effect for the date nearest to the date you complete the Free Application for Federal Student Aid (FAFSA). Go to www.federalreserve.gov/releases/h10/current to view the daily exchange rates.——————————-——————————-Getting Help If you need help filling out the FAFSA, use these free tools: (I think they only work for online form)Read the “Help and Hints” located on the right side of any FAFSA entry page. (The hints change depending on what question you’re on.)Click “Need Help?” at the bottom of any FAFSA entry page (in other words, any page where you’re entering information into the application).Chat (in English or Spanish) with live technical support staff by clicking the “Help” icon with the big question mark at the top of any FAFSA entry page, and then selecting "Contact Us," "Federal Student Aid Information Center," and then "Chat With Us." (Note: The "Chat With Us" option isn't visible outside of business hours, which are listed on the Federal Student Aid Information Center contact page.)Contact the financial aid office at the college or career school you plan to attend.For details about the purpose of FAFSA questions and how information should be reported in some unusual cases, try our guide called Completing the FAFSA.If the guide doesn’t help, use chat option to ask FAFSA support desk, or contact the financial office of the college you are applying to.

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