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Denise Richardson
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I currently live in South Florida but will always be a New Englander at heart. I was born and raised in Vermont, before becoming a long time resident of Greenfield, Massachusetts where I worked for many years as a real estate paralegal handling mortgage closings and all the complexities that come with buying, selling and refinancing homes. I once carried the belief that if I paid my mortgage on time, just as I did my other bills, my credit rating would paint a true and accurate picture of who I was –a hardworking ordinary person that didn’t neglect the responsibility of paying bills on time.
I would soon learn that that belief was just a myth.
I also believed that if there were errors on my credit report, all I had to do was supply the documentation and necessary proof that it was paid, or not owed, whichever the case may be, and it would be cleared up.
That belief was shattered too.
With the shattering of those beliefs came a few other eye-opening realizations. I wasn’t alone –it just felt that way. I also realized that my many countless attempts to correct my erred credit reports were futile, forcing me to turn to the judicial system and find the necessary strength from the support of other victims.
After enduring a decade of mortgage accounting errors and erroneous credit –I mistakenly thought my troubles were over. But if that were true the debut of my first book –Give Me Back My Credit, would never have seen the light of day. When my epic 10 year battle came to a close and my credit was momentarilyrestored, I soon discovered bogus collection accounts were reflected on my credit report and with it came –five more unbearable years involving hundreds of grueling hours trying to restore my good name. It wasn’t until the enormity of the problem continued to wreak havoc in my life and after receiving much encouragement from consumers and advocates alike –did I finally decide to tell my story hoping to validate those who have walked in my shoes and provide steps to prevent it from happening to others.I
As a Certified Identity Theft Risk Management Specialist, I have partnered with the FTC to help educate the public on identity theft through their Deter, Detect and Defend program. I am member of the National Association of Consumer Advocates, and board member of American Consumer Credit Education Support Services, a non-profit organization dedicated to educate the public and improve the way that consumers are treated by creditors and the credit reporting agencies. I continue to work towards uniting consumers with their advocates in order to effect change.
I am an internet radio show host on the BlogTalk Radio Network and contributing writer for various print publications. I enjoy writing a monthly Identity Theft Column for Lighthouse Point Magazine.
Tune into Spotlight on BlogTalk Radio by going to ListenToSpotlight.com
Accomplishments: “Denise Richardson is a living answer to the question of what can happen to an American when the systems that keep track of who owes what to whom completely break down. Like most of the countless consumers harmed each year by errors that corporations can’t or won’t fix, Denise suffered enormous personal and financial harm when computer systems began to misreport her data. Unlike most other people, however, Denise set out to understand exactly how and why such mistakes occur, and then took on the system. Her story of personal courage and resilience is not only inspiring, but the hard-learned lessons she clearly articulates in this book can help many other consumers protect themselves from the mistakes that all too often are afflicted by America’s credit reporting system.”
F. Paul Bland, Jr., Staff Attorney
Public Justice
"Denise Richardson's story has important lessons for all Americans. It's the
story of a consumer who faced hardships created by credit bureau errors, mortgage servicing errors, abusive debt collectors and identity thieves. So she learned, fought back and won. Now she's a consumer champion with a book that's a first-person story and a consumer handbook in one, with lessons for everyone who wants to win against corporate and financial
predators. Buy it and then fight back yourself!"
Ed Mierzwinski, Consumer Program Director
U.S. Public Interest Research Group (U.S. PIRG)
"Give Me Back My Credit is a book that every American consumer must read.
Denise exposes the truth about how our nation's credit system really works and how our consumer protection rights have slowly, but intentionally been wiped away by corporate greed and government acceptance. In a clear and
simple voice, Denise teaches everyone how they can try to protect their rights and how we must collectively fight back to get back our rights and our credit!"
Ira Rheingold, Executive Director and General Counsel
National Association of Consumer Advocates (NACA)
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Books
|  | Give Me Back My Credit! (paperback) by Denise Richardson
Have you ever woken up in the middle of the night trying to remember if you paid a bill? What if you woke up because you knew you did?
The mere mention of identity theft makes palms sweat, hearts race and heads pound. Find out why -and what, you need to do to protect yourself....
Amazon.com Amazon.co.uk
Infinity Publishing
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Articles
Credit Counseling; What you need to know about it. by Denise Richardson
It is always advisable to go for credit counseling agencies approved by National Foundation of Credit Counseling whose members are accredited by the "Council on Accreditation". NFCC accredited members...
Be prepared for endless frustrations when dealing with CRA's! by Denise Richardson
The big three Credit reporting agencies continue to challenge our patience when trying to correct errors or fraudulent information contaminating our our credit reports -and our credit score!...
Hidden Errors in Your Mortgage? You might be surprised at how many! by Denise Richardson
What if we had a tool that could discover, then prove, errors or fraud in our Mortgage and Credit Card Loans? There just might be......
Have your say Before Monday! Help fight for fair credit card rules! by Denise Richardson
Credit card contracts are packed with fine print tricks and traps to increase the likelihood of paying fees and penalties. You will be hard pressed to find a credit card without these terms – at least...
Kids are just as much at risk of Id theft as you! by Denise Richardson
Your kids may be in day-care but what if you found out they were working, driving a car, going to school and even proud owners of their own home?...
It's Your Book Title and Your Name -Should Others be Allowed to Use it? by Denise Richardson
How would you feel if you learned that someone was using your name, your credibility and the title of your book for commercial advantage -without your permission or knowledge?...
The Truth is...Settlements Aren't Always What They Appear To Be... by Denise Richardson
The preliminary settlement of a class-action lawsuit against one of the big three credit bureaus, TransUnion, means almost 160 million Americans will be eligible for free monitoring services and a fre...
Credit Issues Faced by Military Families by Denise Richardson
The families of active duty military personnel face a set of unique credit issues. Should creditors do more to help them? ...
CEO to Answer Your Questions in First Online Town Hall Meeting by Denise Richardson
Marks & Klein, has filed its sixth class action lawsuit against LifeLock and its CEO Richard "Todd" Davis...
Todd Davis is about to set the record straight!...
Be On SpotLight! A New Talk Radio Show SpotLighting your issues... by Denise Richardson
May 8th at 1:00 PM EDT
Topic: If you want to hear the good, the bad and the ugly within the credit industry, and what you can do as a consumer to protect yourself, then step into the SpotLight thi...
LifeLock or Fraud? What's the Real Problem? by Denise Richardson
A new lawsuit filed against LifeLock accuses them of deception. One doesn’t have to look too far to see deception alright-but who’s really doing the deceiving?...
Do You Believe your Personal Information is Safe? by Denise Richardson
What happens when your personal information falls into the wrong hands?
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Hackers and identity theives continue to find ways to steal you! by Denise Richardson
Consumers continue to be at "genuine" risk of fraud and identity theft when our personal identifying information is lost, stolen or pilfered from hacked databases on a daily basis....
Experian vs. LifeLock: Who's being deceptive? You decide... by Denise Richardson
Credit bureau Experian is accusing the identity theft prevention firm LifeLock, of deception and fraud. In the lawsuit, filed in U.S. District Court on Feb. 13, Experian contends that LifeLock''s adve...
Warning for Seniors: Target of Medicare Scam by Denise Richardson
This latest Medicare scam proves that seniors continue to be a prime target of thieves and con artists!...
Secure your Wireless Access Point by Denise Richardson
Over the last year, I suffered two window system crashes and found myself combating numerous viruses and PC attacks. It seemed that no-matter what I did, or how often I updated my virus protection sof...
Identity theft: Who is really to blame for much of the pain? by Denise Richardson
Sloan vs Equifax...The case concerns an instance of identity theft that severely affected the emotional and finacial well being of an innocent family. The criminal was thrown in jail -but Equifax's co...
Medical Identity theft -Did you pay for that surgery you didn't have? by Denise Richardson
There are two facets to medical identity theft; one is financial and the other involves your health care. Medical identity theft happens when a thief uses your social security number or health insuran...
The holidays are among us -and so too are thieves! by Denise Richardson
With the holidays upon us it''s important not to forget it is peak season for crime. And criminals are gearing up to steal whatever they can from you -including you !
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Laptop thieves can now be stopped in their tracks... by Denise Richardson
Is your laptop and everything it it- safe from theft? Don''t be too sure. Laptops are quickly becoming a number one target of thieves! But, now there seems to be something you can do to stop a thief i...
What if this mess happened to you? Maybe it is... by Denise Richardson
To facilitate the tracking of our payments, we need monthly statements providing us the breakdown of exactly how every payment is applied. Here''s why......
Got debt woes? Manage those credit offers wisely. by Denise Richardson
The do''s and don''ts of credit card teaser rate offers... ...
You may be facing foreclosure -and not even know about it! by Denise Richardson
How many foreclosures could have been avoided if borrowers had the opportunity to follow their mortgage payments with the aid of a simple mortgage statement? Could a statement help deter abuses agains...
2 critical questions to ask yourself... by Denise Richardson
Have you reviewed your credit reports lately?
Do you receive and review your monthly loan statements when making payments? ...
In Debt We Trust -Gripping Documentary about the Consumer Debt Industry by Denise Richardson
Who shares the responsibilty for the massive consumer debt owed to creditors in this country?...
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News
Credit Card Companies Fueling Healthcare Associated Identity Theft (HAIT) C by Denise Richardson
Automated Systems Issuing Credit without Verification Put Millions at Risk...
Be the millionth subscriber by Denise Richardson
LifeLock has over 900,000 subscribers and is set to hit its millionth in May 2008. You could be the millionth subscriber!
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National Consumer Protection Week: March 2nd - March 8th by Denise Richardson
10th ANNUAL NATIONAL CONSUMER Protection week promotes financial literacy as a sound investment.
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Strike Back: Defeat Identity Theft Now Campaign by Denise Richardson
LifeLock the first U.S. identity theft prevention company and the recognized industry leader, is initiating the first ever “Strike Back – Defeat Identity Theft Now” grassroots campaign, designed to br...
ID Defender WPTV NBC 5 by Denise Richardson
My recent interview with WPTV West Palm Beach,Florida
NBC News Channel 5 ...
New Magazine hits the stands... by Denise Richardson
Credit monitoring services often provide a false sense of security. There is a difference in credit monitoring and identity theft prevention services. Some are considered as a reactive service and not...
A Book Review from Authors Press Releases by Denise Richardson
Give Me Back My Credit! ''Real-Life'' lessons on privacy rights, credit reporting, and identity theft.
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Audio Book now available at Audible.com by Denise Richardson
Hear a clip of the "Introduction" to the book at Audible.com...
PageOneLit.com Interview by Denise Richardson
Author interview...
Truth & Consequences...Payday Loans by Denise Richardson
Predatory payday lending practices cost American families $4.2 billion every year
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Documentary -In Debt We Trust...Screening in Ft Lauderdale by Denise Richardson
In Debt We Trust -Gripping Documentary About The Consumer Debt Industy
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Audio version of Give Me Back My Credit! available by Denise Richardson
As of today...The audio version of Give Me Back My Credit is now available on the publisher''s site (bbotw.com) -soon to be on various sites such as Itunes and Audible and Amazon....
How to get your free credit report without losing your shirt! by Denise Richardson
Don't get taken while taking advantage of your right to an annual credit report. Knowledge is power and believe me, you need all the power you can get when it comes to the world of credit....
5 steps to avoid post holiday credit nightmares! by Denise Richardson
It''s not only the holiday season...it''s the peak of identity theft season. By the time the new year rolls in, experts predict another one million people will have their identities stolen. Will you b...
A week just for you! by Denise Richardson
NINTH ANNUAL NATIONAL CONSUMER PROTECTION WEEK: Feb 4 -10th
Read up, reach out, and be an informed consumer!
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Events
Unfair & Abusive Credit Card Practices: Are the Cards Stacked Against You? 7/31/2008
The Federal Reserve Board and two other federal banking agencies have released a proposed rule that aims to reform some of the most unfair credit card tricks....
Unfair Debt Collection Practices: Know your rights! 7/17/2008
Have you ever woken up in the middle of the night trying to remember if you paid a bill? What if you woke up because you knew you did?...
Identity Theft -What you need to know... 7/10/2008
This week on SpotLight meet a man who's courage and remarkable determination is an inspiration to all that meet him...
How Does Binding Mandatory Arbitration Affect You? 7/3/2008
What do those "You Can't Sue Me" clauses really mean?
At Odds with A Creditor? Odds Are Good - You Have Already Lost......
College Funding...What you need to know! 6/26/2008
If you are a college student, or the parent of one, you won't want to miss this!...
Top Attorney Offers Insight Into the Credit Bureaus 5/22/2008
What are your rights under the Fair Credit Reporting Act?
Do you know how to protect your credit & your rights?
Don't miss this revealing show!
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BlogTalk Radio Presents: Spotlight 5/5/2008
May 8th Show Topic: If you want to hear the good, the bad and the ugly within the credit industry, and what you can do as a consumer to protect yourself, then step into the SpotLight this Thursday, May 8th for our introductory show.
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The Libby Gill Show 4/13/2008
Call in live on-air to 1-888-495-2762 or leave your questions and comments on the site for me to address during the show....
How to protect your identity when using social networking sites 10/16/2007
Upcoming appearances regarding identity theft and social networking sites. Learn how to protect yourself from fraud....
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Links
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| Consumer book reads like Raymond Chandler mystery
Anyone who has read Raymond Chandler’s The Big Sleep knows that the book’s protagonist, Philip Marlowe, is an honest detective in a corrupt world. He’s meticulous about detail, and always catches the culprit in the end. I have never reviewed a book on this blog, but when I read Give Me Back My Credit by Denise Richardson, it almost felt like I was back in Chandler’s Los Angeles. Denise’s narrative of her fight against mortgage companies and credit bureaus is both admirable and gut-wrenching, and it reads like a good mystery.
Innocent Consumer in a Corrupt Credit World
Like Marlowe, Denise wakes up in familiar surroundings one day to embark on a contradiction that will lead her through years of mental anguish against an establishment she thought was her friend. It will take fifteen years, but...
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Find out what others are saying about Give Me Back My Credit!
After spending the better part of 15 years disputing, correcting and guarding my credit identity, I’ve come to the conclusion that a) I don’t want to do it anymore; and b) if I could hire someone else to do it –I would. I set out to find someone-anyone, who would take on the burden of guarding my life...
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Paying your mortgage on time -doesn't guarantee you won't lose your home...
Find out what can happen when you don't verify how (or if) your loan payments are applied accurately...
See what can happen when you don't verify how/if your monthly payments are applied accurately. Click on the articles section or browse their forum -if you believe consumers should have access to a monthly statement, then click on the petition link and add your signature. If you believe you're safe from these types of nightmares, simply because you make your payments on time -this site may change your mind. What you don't know...will hurt you.
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The Truth about Credit! How to avoid credit nightmares...
For additional book reviews and feature articles visit my media room at Give Me Back My Credit! Many of my articles can be found online at various sites such as: American Chronicle, EzineArticles, Helium, Amazines, Lighthouse Point Magazine and Autosuccessonline.com and Realtysuccessonline.com
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Additional information
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| The most common complaint the Federal Trade Commission receives involves identity theft.
This year alone 10,000,000 million people will have their identities stolen. Protect yourself by being proactive.
Go to givemebackmycredit.com/blog and find out what steps you should be taking to protect you- and your family. Identity theft has grown to be the number 1 crime in America. See: Givemebackmycredit.com/blog for tips and resources. A little time spent protecting yourselves today -can save you a lot of time, money and headaches later! If you are not going to take the steps necessary to protect yourself -hire someone to do it for you! I subscribe to LifeLock, to hear why...view the video on this page!
For an instant 20% discount go to LifeLock.com and when asked, use the promotional code: denise
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Contact
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Hollywood
FL
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Work phone: 954-243-5686
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