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This year Jamaica approved its first credit reference agency, which should foster the growth of consumer loans.
ECONOMIST: Jamaica at 50
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Its job is to help credit reference agencies and other financial organisations piece back together a victim's lost identity.
BBC: Losing your identity
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The credit reference company Experian has published figures showing that identity fraud had leapt by 66% during the last year.
BBC: Probe exposes fraudulent ID trade
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This implies that consumer choice will make a difference, but of course we do not get to choose which credit reference agencies hold our personal data.
BBC: NEWS | Technology | Data safety at top of the agenda
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Experian, a credit reference agency, commissioned a waste analysis company to examine the contents of 400 domestic bins in Nottingham to show how easy it was for fraudsters to obtain personal information from household rubbish.
BBC: Bin raiding: The growing scourge
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In November 2012 a clarification of the law was put through the Scottish Parliament which states that additional charges such as reference checks, credit checks and inventory fees are unlawful.
BBC: Call to clamp down on unscrupulous letting agents
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There is no reference to rewards in any Schumer Box disclosure, so credit card companies are free to scatter rewards information willy-nilly so that no one truly understands how issuers manipulate their rewards programs.
FORBES: The "Schumer Box" is Flawed
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Labour leader Ed Miliband mocked the chancellor's failure to make any reference to Britain's loss of its Triple A rating with credit agencies during his hour long budget speech.
BBC: Budget 2013: George Osborne halves growth forecast but insists plan is working - BBC News
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To create a hologram, such as those typically seen on credit cards, a laser beam is split into two (an object beam and a reference beam).
ENGADGET: Infrared holography lets rescuers see people through walls, fire, walls of fire (video)