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New 1-year cycle begins for free credit reports (Fort Wayne Journal Gazette) - As of Friday, consumers became eligible, once again, to obtain a free copy of their credit reports. Your credit report is the official record of your personal credit history. It includes detailed, personal information, such as where you live, the credit accounts you have (mortgage loans, car loans, credit card balances and the like), and how you pay your bills.. Comms XL adds support for SmartNS smart card framework (Finextra) - Retailers will be able to maximise their smart card technology, thanks to a new agreement between Comms XL and Smart Technology Solutions (STS).. ComPass Visa Card selects Aconite for EMV migration (Finextra) - Aconite, the leading provider of EMV (Europay, MasterCard & Visa) smartcard technology solutions is today revealing its role in the full EMV migration of ComPass Visa Card to meet the need . Know facts before responding to credit card offers (Dayton Daily News) - Recently, some Miami Valley residents contacted the Better Business Bureau about Union Workers Credit Services, a third-party credit card company in Fort Worth, Texas. Consumers say the company sent a mailing telling them they were pre-approved for $10,000 platinum credit cards. They were asked to pay $37 to get the credit cards. Once the fee was paid, the consumers received paper credit cards . Koingo releases Data Guardian 1.0 (MacNN) - Koingo Software today released its new cross-platform shareware product: Data Guardian 1.0. Data Guardian is a secure, Universal Binary, database application for storing passwords, credit card numbers, adressses, notes, customer databases, and more. . RBI working on use of smart card (The Hindu) - The card will serve as a data repository of information relating to cardholder. Funding Options for Bad Credit Risks (Entrpreneur.com) - Funding Options for Bad Credit Risks If your credit score is holding you back from landing startup capital, you'll appreciate these tips for finding the funding you need.. EZ-Link launches online service (Radio Singapore International) - In Business Ideas with me, Loretta Foo, a new online service that will benefit businesses and consumers. Retail payments, identity verification and loyalty programmes – all these made simple for Singaporeans through the use of an EZ Link card. Now EZ Link is launching a new service called EZ Online.. Credit-score protection is not working (The Morning Call) - | A congressionally mandated consumer protection of huge potential value to home mortgage applicants has been paralyzed because two federal agencies have not published required regulations, 33 months after the legislation was signed into law.. MoneyLine by Neil Downing: Some tips for preventing identity theft (The Providence Journal) - This is the second installment in a two-part MoneyLine series about Rhode Island's new security-freeze law. The first part was published yesterday. About four months from now, Rhode Island consumers will be able to put a "security freeze" on their credit reports, protecting them from identity theft..