The service with Rosie was very fast. However, I had delayed sending the money order and I paid for it.

Yesterday, mother was in heavy traffic on the interstate (where traffic cams are) and the traffic stopped and she struck a vehicle and she left the scene.

I don't know what will happen yet legally and civilly (my law enforcement contacts had no report of an accident) but please protect your privacy. Mr. Luna lived under the dictatorship of Francisco Franco and privacy can help maintain your freedom.

There is an old saying, "He who hesitates loses." Don't hesitate regarding your privacy and maybe freedom.

Phillip, ,      Age: 41

Wendy, thanks for the nice response! You do seem to be somewhat of an expert on CMRAs, as I saw some past posts. I picked up a box at a chain CMRA in downtown that I feel comfortable with. It was before reading HTBI, but I long ago trained myself to question requests for my personal information, so I'm confident it will be secure.

I ended up meeting the owner of the location. She was very nice and allowed me to open the box without even questioning my (soon to be closed) PO box as the home address. She even gave me keys without ID that day, since I didn't have any on me! I returned and gave an old work ID and a health insurance card, which were accepted without question, even though neither had an address. (Why did I go back and submit ID? I didn't want to be audited later for lack of ID on file.)

Thanks for the bit on the FTC red-flag rules. I think not gaining unwanted attention is a key to privacy -- audits and "moving" often would certainly gain you attention. I tend to change addresses every 2-4 years

I'm off today to go find myself my first real ghost address -- wish me luck!

If they say something like "Ah, well, yeah. We have this form the Post office requires us to complete," like they'd rather chew glass than have you complete the form, play dumb and ask, "Really? What kind of form and what kind of ID did you say I need?" If you like what you hear and feel comfortable that they aren't actually running a fusion center from their location, move forward. If not, move to the next on your list until you find one you like, that offers the services of the international chains but with a price you want to pay and payment schedules methods you prefer but that won't invade your space or privacy. Keep in mind, the further away from Downtown Boston, the Financial District or Copley you are, the more privacy/less formality you can expect.

That's because, usually, Mom & Pops in any city or town HATE government imposition into their business and personal lives and those PS 1583s represent that for many. After you find one you "feel", go in, dressed for the neighborhood, which as you know means the Financial District is different from Southie or Harvahd Yahd or the North Shore because that's important in Boston. You gotta fit, not stand out. Then, reintroduce yourself using the name you gave on the phone, chat them up (if they have a Boston accent, use yours liberally if you have one--I do whenever it's necessary but rarely otherwise but try to speak their "language"). Offer to pay a lot up front and ask to pick from available boxes. Pick a number you like in a location you like. Chat them up some more, say goodbye and go on about your day. Stay nice, quiet and legally clean, draw little or no attention to your activities and you'll be straight. You'll like your new street address better than a P.O. Box anyway and you won't feel like you're part of some big business big government conspiracy to wreck your privacy and financial life. Also, such enterprises are unlikely to come up as CMRAs in bank databases unless a number of bank customers use the same one. So, make sure you find one in a neighborhood you know that's not right down the street (or a T ride away) from a big name bank or a small one with sophisticated anti-Red Flags/address discrepancy software already in use.

Finally, keep in mind that if you change your address on your financial or credit accounts, don't ask for additional major changes for at least 30 to 60 days. (Learn what those are by checking out the link below.) Otherwise, you may find yourself in violation of Red Flags Rules and have your accounts audited or even closed for suspected "fraud". While the FTC keeps 'delaying' mandatory implementation of Red Flags Rules, many financial services companies and businesses that extend credit already use them and many consumers and small businesses are being blindsided by them. That's why it's best to have one ghost address for ALL of your credit-related "true ID" info attached accounts and one for everything else. Rarely, if ever, change the former and maintain your flexibility with the latter (except if you use it for your small business and use credit to operate your small biz, then the same rules apply to as to your personal "creditor" CMRA).
URL #1: http://ftc.gov/redflagsrule

Wendy, ,      Age: 46

I appreciate your sharing your experience and providing your advice. But, the first thing I would say to any woman is NEVER second-guess why it took you so long to report this man. **I** am the victim, not him so I don't have anything to apologize for. I'm guilty of nothing more than keeping myself safe and making certain I could prove my claims--or at least establish my own credibility and his character with documentation as well as show a clear pattern of behavior--before filing reports with law enforcement. I should never be made to question my choices about when and how I choose to report my abuser/stalker...unless he is actively, physically abusing me and threatening me and my family.

He wasn't and many stalkers don't; it doesn't mean you're not being stalked, though. It just means you'll have to work harder to prove you are and reporting too soon can be as detrimental to your case as waiting to late can be to your life. While you wait, document, document, document. When you get objective, gather evidence then get to law enforcement. Then, stay on top of the investigation and add more reports as the stalker commits more criminal acts.

And, ladies (and gentlemen with their own stalker/batterers), know this: once you report and FOLLOW THROUGH, few law enforcement agencies in this country will resist your using every technique available to you in HTBI and other privacy resources to protect yourself from your stalker or a future one. In fact, even if your stalker ends up dead for whatever reason, they'll encourage it. Once you've been stalked for real, you are NEVER the same and you ALWAYS want to protect your safety with level four privacy.

As to a TRO, two things. First, you need plenty of physical evidence that you're being stalked. As I said, I don't have enough...yet. But, as an investigative journalist, I'm an investigator like any other (law enforcement, PIs, etc.) and, like even JJL says, this one is BETTER than the most intrepid cop or PI. Law enforcement often come to US for info and to locate people because we are tenacious and dauntless and can gain access to things they cannot usually get without a warrant or subpoena. Moreover, people will talk to us when they won't talk to law enforcement or PIs and, often, when you're a trusted journalist like me, tell you stuff they won't tell their own mother because they know you'll take their confidences to your own grave.

So, I don't need to run afoul of the law to get what I need or do counter-surveillance. What I need first is Godspeed and once I know I have that, all I need is my press creds, my laptop and my cell phone and I can set it off on that man. I can get the evidence I need to provide law enforcement and states/federal AGs with what they need to prosecute so I will because my victory is assured. You've got to do what works for you as long as you're not protecting your stalker or excusing his behavior to others (while lying to yourself) in your waiting. You don't have to be me to do it. Think of all the women whose lives were made into movies when they became whistleblowers. None were trained investigators before they had to become one.

Second, TRO's to many stalkers are like throwing bloody flesh into shark infested waters. TROs are the target's bloody flesh and the stalker is the shark. TROs are shown to typically enrage the stalker and cause him (and it's usually a "him") to come harder after their target, especially female targets. Stalking targets with TROs can be dead stalking targets in many cases, particularly if the stalker has a substance abuse problem and has been trained to use firearms. As a man who has guns, you're more threatening and not nearly as vulnerable to the stalker. Besides, you weren't the real target; your female friend was. That's why she balked; she followed her instincts, waited to get the TRO when she had real law enforcement support and got away with her life. That was her strategy and it worked. Most important is she's alive to tell her story and her stalker is off the street. So, PLEASE, never insist a woman get a TRO unless you know it won't get her killed.

I've got my own strategy for dealing with this person based on my knowledge of him and my own situation. Mine also involves immediate loss of his freedom and of his ability to use a regular cell phone or a computer for many years if not the rest of his days for using them, some of them probably government owned, to stalk me across state lines. What he has done rises to the level of a federal offense, especially since he used government authority (like his security clearances) to engage in his stalking ops against me. I will use my own resources of people and connections to get him a stint in federal prison if he's not smart enough to, as he put it to me a decade ago, "cut [his] losses and move on". Since I don't trust him to just leave and never bother me again, I'm going to pursue some prison time for him, make sure he has no resources to find me when released (even if that means a civil suit to take them) and disappear.

Moreover, this isn't just about me anymore. Because I'm someone who usually DOES get nominees (lawyers in cases like this) to deal with such matters discretely (in the parlance of my social sphere), I was looking for help from people who are regulars to this forum for dealing with local and county law enforcement. Why? Because not only is this is not just about ME, I'm in a unique position to help other women. So, it's now as much about all of the women who are experiencing this kind of stalking abuse who are afraid to go to law enforcement. I can take the easy way out for me or I can take a bit of hit and help other women who don't know what to do in these situations. I can learn what to teach them and help put an end to the ease with which so many get away with stalking others. It's become a bit of crusade for me.

Moreover, in my case, waiting, though painful and sometimes scary, proved valuable and provided a number of benefits. (1) A whole host of individuals are now available to testify against him for stalking me; many of them have documented evidence of his behavior. He's been seen everywhere he's followed me and left a paper trail of aliases, hotel stays, transactions, drop boxes, inquiries into getting help stalking me, etc. Wherever I've stayed, I've told people they need to help protect me from my stalker by not making it easy for him to contact me there. That's a lot of people I've told that--and a number of them have his name, domicile and physical description documented. We also have common connections in a couple of those states who know he was in them when I was and when he had no other reason to be there. So, lot of folk know he is stalking me; he's even admitted it to some people. I will find EVERY piece of that evidence and anyone who knows me well knows I can and mean I will. (2) He can't deny his presence in those places because he has to land his aircraft in local airports and landing strips to remain legal and not be arrested (or shot down). In some areas, he's had to file some kind of flight plan to fly in certain airspace and/or above or below certain altitudes. Also, two of states where he stalked me--Maryland and Virginia--have very sophisticated air surveillance. If he's up in any kind of aircraft there, authorities know it, know who he really is no matter what he tells them and they document his activities. (It didn't really help in his case to be former "Office of Naval Intelligence" personnel and not on official government business, either.)

And, to get that data, let's just say I have a few connections so high up that it would make most people's nose bleed so I can get that data with a few phone calls. (Okay, one of my parents would have to make at least one of those calls but same thing.) (3) Awareness of surveillance stalking and high tech stalker techniques have been studied by the DOJ in put in a report published this past January (see link below). The report shows that my experience with a primarily surveillance stalker is far more common than believed and that what I say is happening to me is likely happening and provable. Moreover, law enforcement's apprehending that aircraft stalker in California this past September only supports my own case. My stalker has pretty much done the same kinds of stuff that air stalker did--repeated low flyovers, especially. And, finally, (4) because I waited, public documents posted in legal actions related to his attorney's license suspension show everything I've long claimed about his character but couldn't prove to be true. He can't remove those documents from the internet, either. AND **he** placed enough info about his own military history on social media that I can use to help law enforcement develop a dossier on him.

So, now that I have all of this documentation, here's what I've done. I went into the local county sheriff's office and asked that they ONLY take a report. That's it. Take a report that will get an investigation started. I went in to their office because, since he's in an aircraft and his 'ground troops' are following me, they all SAW me go into the agency and could guess why I was there. That sends a clear message without getting a TRO AND it prevents him from denying his activities because he won't have to appear in court to battle a TRO. It also buy's time to build a case against him.

Ironically, though, it turns out that because he has been using electronic surveillance on me (and, likely, because he's former Naval intelligence), that rises to an entirely different level of crime. Thus, there's a whole different kind of investigation that needs to occur before a TRO can be issue so the magistrate wouldn't give me a TRO anyway. I had to speak with a deputy first.

When I told the officer the magistrate arranged for me to see my story, I could see he didn't believe me at first. Then, I pulled out about 50 pages of documents that proved what I stated was probable and likely, given this jerk's character and his own statements about himself on social media. I showed he had at least one alias, was able to provide his true DOB (he uses several) as well as court documents showing his military status, his admitted substance abuse and mental health issues and that he has a propensity for lying, theft and fraud which certainly portends other criminal behavior like stalking. I provided recent county documents from his domicile state that show his true legal residence while social media documents he created put him near my location for most of the last three years--far away from his domicile state. Even my posts HERE over the last nearly three years about having a stalker who uses an aircraft and electronic surveillance can be used as support. (Even if much of their content might be considered hearsay, they provide leads and other evidence that is NOT, like dates.)

So, because he is a surveillance stalker who is known to me and with whom I have a history (not a dangerous gang stalker whose chosen me as his random target of opportunity to be chased by groups of strangers everywhere I go) and they don't usually want to get caught (though gang stalker leaders don't either), he put me in a position to somewhat impatiently wait for him to leave a trail of enough evidence to weave the rope by which he will hang himself. That may pay off for me and, while a gang stalker wouldn't care, a surveillance stalker is aware doing harm to me will only make his situation worse. (Point: it's important to know what kind of stalker you have so you can act accordingly.) Thus, I've made it clear he won't escape culpability for whatever he does to me or mine even in death. Surveillance stalkers, like most, are notorious for loving and protecting their own loved-ones from this kind of activity and that's who'll pay if he harms me or my son and then takes himself out. Besides, his narcissism makes him NOT want to be known as worse than he already is and harming me, someone considered an innocent and well-liked by most, would cause that to happen.

Now, I don't advise other women to wait their stalker out if their in immediate, life-threatening or other physical danger. Don't get it twisted; waiting them out won't make them go away. Only some kind of action, usually involving law enforcement, will. My situation may not be your so KNOW YOUR STALKER type and act accordingly. (Search the internet to learn what you have but do it from a safe location like a public library during peak hours if you believe your under electronic surveillance). You may be in much more imminent danger than I believe I'm in and need immediate action taken. In such cases, the sooner after the behavior begins you report the incidents to police (AND surround yourself with big, burly, dangerous or even homicidal maniac support if possible), the faster your problem will be resolved. Many stalkers are bullies or cowards who run from confrontation and they count on isolating their target to torment them. Don't be isolated if you don't have to be and get help as soon as you can but gather evidence to use if you have time. But your own cheap home surveillance security system; put cameras on your computer and attach them to your DVR and television; use baby monitors. Counter-surveillance can be done on the cheap. Record every call from the stalker (when it's a crime, it's legal no matter what your state laws on recording calls is as long as you only use the recordings for police reporting AND your not a journalist trying to get a story), videotape every confrontation and save every mail or email correspondence as well as unwanted gifts, cards, etc. Back everything up on digital media and in two locations and print whatever you can. Send copies to trusted friends for safekeeping, whenever possible. Document, document, document. I did and I'm glad; I just have to pull what I have together and get the rest.

I have a very long fuse and it takes me a while to get this angry. You really have to do a lot to me to get me here (unless it's physical abuse or I or my son is placed in immediate physical, psychological or financial danger--then I get ugly quickly, loudly and publicly). Unfortunately, people like me are a stalker's favorite targets. But once I'm at the end of my fuse, I'm more wily than my perpetrator and far more dangerous than they because then, I'm POed and have laser focus on making you go away. Like I said, I'm done.

BUT, John, you're right in that the law enforcement officers I've spoken to--once they saw my documents, my sincerity and my willingness to ID myself, within reason--took me seriously. I happen to be located where reporting a stalker with whom you've had any kind of intimate relationship practically puts you in a witness protection program of sorts. So, under the law, my privacy won't be violated and I now have legal grounds to protect my location using HTBI tactics. I also went to law enforcement my stalker doesn't know, in an area unfamiliar to him and where he can't manipulate the system and I did so shortly after arriving here so he doesn't have time to get comfortable. Coupled with the next steps I take but he doesn't expect, he's toast.

My point is that stalking is like a long rape. And, just like with rape, women should do what it takes to stay alive long enough to safely rid themselves of their perpetrator. With stalking, sometimes that means waiting until you can prove he's stalking you. In other cases, it's acting quick, fast and in a hurry to save yourself. But, I'll paraphrase a young pop singer. "Stand back and take a look at this situation objectively and then do what you know you have to do to put an end to it." That's the advice of professionals who help stalking victims get free. Sometimes it takes time to get to a place where you can report but when you do, walk tall with your head high into the nearest law enforcement agency and dime the jerk out. But, whenever you decide to report them, fight them until they either quit or ends up in prison, whichever comes first. Since I don't trust mine to quit, it's either federal prison far away from me or death--whichever comes first. And, at this point, I really don't care which one it is since I'm unlikely to have to effect either myself now that law enforcement is involved.
URL #1: http://www.ovw.usdoj.gov/aboutstalking.htm

Wendy, ,      Age: 46

Readers, JJ & Wendy I’ll try and make this the Readers Digest version.
I had a female employee of mine stalked by a real nut case. He had a State job and had never been in trouble with the law. Folks we to afraid of him to press charges I guess. This is the kind of guy that some would say “needs killing”. I had some in laws in law enforcement so I got some good tips from them.

This nut lived 15 miles from her. She was divorced and liked the attention he first gave her as her x didn’t spend any time with her. It got to where she couldn’t do anything W/O him. She tried to break up with him and He accused her of sleeping with everyone at our work and she was afraid to go home one afternoon. He was parked across from our place of business waiting to follow her when she left to go home.

Another employee and I followed her home to make sure she got there OK. He knew saw us so he would pull over we would see him do this and we would pull over. This gave her time to get home.

She had told us that he had told her he would burn her house with her in it. If I can’t have you know one will etc.

He pulled alongside of my truck and threatened me that day (I guess I then became her Nominee) I signed a statement at the PD and he was served a warrant for communicating a threat.

We go to court, his lawyer calls me out in the foyer and says you really do not want this guy to lose his job do you since they had starting dating again (I didn’t know this at the time and was I ever PO) I was able to get a TRO. Later I found out they had told her he would mess me up and she was really scarred of him so she didn’t push her own TRO and I guess is why she started seeing him.

Where I went wrong. I allowed him to pick her up for lunch from my place of business. This was in violation of the TRO. I figured oh well she is dating him again. What a mistake. It made the TRO go void. I should have had the TRO in my possession and called the law!
Where she went wrong. She should have gotten a TRO and she didn’t.

He sold his house and moved 3 doors down from her. Her life became a living hell. He would follow her at lunch every day. She had busted water pipes under her house with the weather above freezing. Super glue in her locks. Flat tires twice a week on new tires. Ice pick size holes 4 or 5 different times. He would turn her LP tank off while she was gone and turn it back on after the pilot light went out etc. etc.

He would ride by my house 20 miles from their homes looking for her when he couldn’t find her. She had never been to my house. My wife saw him 2 or 3 times. He even came by one day and my door wasn’t locked and my 8 year old son let him in. He said he came by to just say hi and saw my gun cabinet and said Oh you have guns too. I Soon got a CCP and don’t leave home without it.

After 6 months or so He started dating another divorced woman. This woman got wind of him and called my employee and told her she had heard he had been dating her and was asking her if he was a nut. She talked with her once but was too scared to talk with her. I called her and filled her in. He eventually threatened her on her answering machine. I told her to get a TRO and offered to go with her to court as a coach. The same attorney came and called her out in the foyer and it was like a recording but this time she knew in advance what was about to happen. His attorney was mad as hell and told me that I had no relevance in this case I said stalking is stalking and it had everything to do with the case since he was the same nut I had dealt with within less than a year over the same charge.

I talked with the assistant DA for her and this time didn’t go as well for him. I had also contacted his boss a real good friend of my law enforcement in laws and they were looking for a reason to fire him. He soon lost his job. He found one at a nursing home!

Both of these women moved away. I do not see him but I know he may just show up some day.
Ask yourself what has taken you so long to let the law deal with him? I don't want the answer You know the facts and will need to make this decision.
I usually find that the law sides with the woman. It would sound more realistic if you had moved and he was out of his law enforcement area. (No buddies no local COP friends)

Do not break the law. But things you may do would be Contact his work. Get a TRO and let charges and times he stalks you stack up with the law over and over. Find a friend or Cop nominee. Catch him with CCTV motion activated recorders. Hire a PI to GPS him. Paladin press has some good Get Even books you may glean some tips but some of this stuff is against the law and you should not break the law.

Perhaps you see the importance of letting the law deal with him. Get you a TRO ASAP Keep a copy with you and have it enforced.
Good luck.


John, ,      Age: 49

Because each of my vehicles are titled in the name of a different LLC, I am unable to have them all under a single commercial policy. The only drawback to this is that you lose the meager savings of a “multi auto” discount. No big deal, and I think it has advantages. What I’m most concerned about is protecting all of my assets in the event of a major accident. If the vehicle is registered in the name of an LLC, but the insurance is in my personal name, how possible would it be for an evil lawyer to go after my paycheck/earnings by garnishing my wages? After all, I was the driver and the insurance was in my name. If the vehicle is in a company name and the insurance is in the name of the same company, am I not just a poor and unfortunate employee in the wrong place at the wrong time? In the event that a judgment exceeds the limits of the insurance, can I not simply say “sorry, but the company is broke and has gone out of business?” Or, does it not matter either way?

... I found an unexpected advantage of having a commercial policy for each of my vehicles - it was cheaper than my old personal policy and provided twice the coverage!


Mike, ,      Age: 30

Which is the best way to go about this? Purchase a NM LLC and transfer title everything I still have (car, etc.) and whatever property I acquire down the road into the LLC, or is there another way of going about it all that I haven't thought of yet?

Deb



Deb, ,      Age: 40

Below is a link I found by searching on the issue that suggests this.

Demand (in writing) that they provide you with a citation to the specific federal statute that they claim authorizes them to demand this information. Then CHECK the citation, if they give it, because they may just make one up out of thin air, or be misinterpreting a real statute. Also, ask them specifically WHY they need the information and WHAT information they are specifically looking for, and what your income tax has to do with providing health insurance for your wife and child.

Generally, one of two things will happen if you challenge them and threaten them with a complaint to the state AG; they will either forget about the tax returns or they will get hard-nosed about it and threaten to cancel your coverage. If it's a company plan, and your wife signed up during open enrollment, they probably CANNOT cancel your insurance merely because you refuse to provide tax returns, but you'll need to discuss this with your boss and explain your privacy concerns to him. Hopefully he will sympathize and have a word with the insurance company.

You might also consider sending them a redacted tax return with only your and your wife's name and SSN (which they already have) and "number of dependents" visible. Make a copy of the returns, black out ALL financial data and other irrelevant items with a felt pen, then COPY IT AGAIN and send them that copy (so they can't "peek through" the black marker).

Along with the returns, send a letter, a contract really, that requires that they handle your personal information securely, and that the information provided may NOT BE DISCLOSED to any third person for any reasons whatsoever. Consider having a lawyer draft this agreement and consider taking it to the company and having an authorized person sign it BEFORE you provide the tax data. Explain that you are extremely concerned about identity theft and you will refuse to provide them with the information unless they agree on specific conditions for the use, retention, storage and access to it in writing.

Basically, make it a pain in the ass for them to request this information, give them ONLY the absolute minimum information they need to extend coverage, require them to prove IN WRITING (do NOT do any of this on the phone, do it by Certified Mail, return receipt requested) that they are legally entitled to the information and that they will use it only for legitimate purposes within THEIR company only. Demand SPECIFICALLY that they NOT share any of your personal data with ANY other company or insurance database.

Cross out and initial any language in the insurance contract that "releases" them from liability for sharing information and invoke HIPA (Health Insurance Privacy Act) frequently, and let them know that any misuse or release of information about you or your family will result in a lawsuit.

Check with your state Attorney General's office about making a complaint against the insurer for deceptive trade practices.

If they need information about your child, do as the attorney suggests, and redact unnecessary information.

Under no circumstances would I provide them with tax returns, but that's a choice you'll have to make, as this may result in denial of coverage and require you to file a lawsuit if you wish to fight them.

However, the fact is that unless your state has laws against these sort of demands, as a private business they can demand whatever they want as a condition of providing coverage, and you either comply or your go elsewhere.

I would go elsewhere (I don't have health insurance, so that's easy for me to say), but I understand that most people are uncomfortable with "self-insuring" and paying into a savings account rather than sending money to an insurance company, so the decision will be a hard one.

URL #1: http://www.avvo.com/legal-answers/can-an-employer-ask-employee-to-provide-federal-ta-82943.html

Seth, ,      Age: 50

My position is that my income and tax returns are not their business since I am not covered with the policy. The other documentation they need we don't have problems with. This is a large company with about 1,000 US employees.

Question: have any other readers had this issue come up? Thanks for everything. Best Regards

Paul, ,      Age: 59

I always used to put my SSN on a personal check for paying taxes, until one year when the IRS received my tax statement but lost my check with SSN and claimed I never paid. When I went into the local IRS office to discuss it, there were a lot of teenagers working there, who I assume were doing the grunt work at minimum wage. Their actions didn’t leave me with a lot of confidence in how things were handled.

I disagree with Charles about electronic payments. The last time I looked at this a few years ago, there were about five third-party companies that could process an electronic tax payment. Knowing how weak Internet security is at most companies, I would never trust my taxes or SSN to them. If submitting taxes directly to the IRS is possible someday I’ll consider that, not that their security would be much better.

Richard, ,      Age: 30

Another route you might take is checking into your state's laws. Here in Mass. we had a free credit report law for years before the Feds created one. A year or 2 ago, I wrote to the 3 agencies to get a copy of my report with minimal info. 2 of the 3 complied, the third balked because of the Federal requirements. I simply wrote back and told them I was making my request under *state* law and did not have to provide what they asked for under that law. I got the reports in a couple of weeks.

Mike, ,      Age: 49

My driver's license is from another state which I keep because it's many years before it expires. And I don't have a utility bill since I'm living with a friend until I get my own house.

Is there a way to get my credit report while living in FL but having an out of state license and not having a utility bill? I can't believe how difficult these agencies have made it for consumers to get copies of their own reports.

Thanks for your help.

Katie, ,      Age: 39

I purchased Invisible Money when it first came out. A friend was in trouble with the IRS and could not deposit his money in his own bank until he could work out a payment plan with the IRS.

In Invisible Money Mr Luna discusses older bank accounts. We brainstormed and came up with several ways to acquire an old bank account. My friend started looking for businesses for sale at dirt cheap prices. He really did not want the business, he wanted the business bank account. He found a one man lawn service business looking to sell his client list. He purchased the business (client list) for appx $3000. Included in the purchase. The business bank accounts which were opened in 1966. No social security number attached. Just a tax ID number.

He sold the business client list for his purchased price minus the bank accounts.