Category: FAQs

6 Best Free Movie Apps for Android and iPhone

With the fast-paced way technology has been churning out new smartphones with bigger and better features, the cellphones of old are definitely ancient history! Everyone is lugging our phones around wherever we go, and we can’t seem to live as simply as before. Our phones have become our lifeline, our bridge to the greater world outside.

Suddenly, we want everything to be instantaneous. That’s why we now have platforms that allow us to talk to someone halfway across the world so quickly, or get the latest news as it happens on the dot. The same goes for our entertainment. We want to bring our movies and music on the go with us, creating a huge demand for great applications that allow us to do so.

App creators aren’t disappointing. There are so many movie streaming applications available both in the Google Play Store and Apple Store that the problem now is how to choose. But don’t fret, here is a list highlighting six of the best free movie streaming applications for Android and Apple.

1. Megabox HD

It might be one of the newest additions to the ever-expanding supply of movie streaming applications, with only a few years to its belt, but Megabox HD has proven itself to be a worthy competitor. Easily on the top of the most downloaded list, Megabox HD boasts of a wide array of movie titles that is sure to entice anyone. As its name suggests, you can also stream your movies using mesh Wi-Fi in the best possible resolutions. But honestly, with all these features, having to watch a few commercials seems like a small disadvantage though.

2. Crackle

One other popular choice among movie enthusiasts is Crackle. Its greatest come-on is that you don’t need to sign up an account for you to watch your favorite movies. They don’t upload new movies as fast but you can still enjoy tons of great content, from classics to anime when you use this app.

3. CyberFlix TV 

This app has such a high demand and following that it’s indescribable how much people are going crazy over the CyberFlix TV  App. When you install this app on your phone, you not only get thousands upon thousands of amazing content, but they’re collection is curated and up-to-date as well. The user-friendly interface is such a breeze to navigate through that you won’t get lost among the many great finds on the CyberFlix TV  App. You can watch all your favorite shows in top-of-the-notch high definition resolutions as if you’re in a cinema. But best of all, you can even download CyberFlix TV APK here and watch them offline, so you don’t need to be connected to the internet all the time. The CyberFlix TV  App isn’t available on the Google Play Store and has to be sideloaded from another site. But with all the great features that come with this app, that’s just a small trade-off.

4. Kodi

One great, innovative free movie streaming application is Kodi. Unlike other applications, Kodi is owned by a non-profit organization that constantly changes and updates its application. An amazing feature they have is that the app allows you to connect your phone and watch the movies on bigger screens, like your laptop or television.

5. Mobdro

Another amazing app that isn’t as widely known as the others on this list is Mobdro. This new free movie streaming application has the most updated library of movies and tv shows. Mobdro is also owned by a non-profit organization that allows you to watch a whole lot more content than other sites. One downside is that most movies are yet to become available to high definition resolutions. But their working on it!

6. Viewster

A cult classic for movie streaming buffs all around the world, Viewster was already the best movie streaming website before. With the expansion to mobile streaming, it has now come to play in that arena as well. Tons and tons of first-rate movies and tv shows can be viewed here in high definition resolutions. There are even extra tidbits that show information and facts about the movies you love. But what makes this app extra great is that it also has an extensive collection of anime shows.

There you have it! Six of the best free movie streaming applications for both Android and iPhone all in one list just for you. Pick one of this apps that best suits you and your needs, and enjoy a movie streaming experience like no other!

Disputing Errors On Your Credit Report

How to Dispute Credit Report Errors

Credit report errors primarily involve negative items on your credit report that are “inaccurate, incomplete, or cannot be verified”.

When you find items that are inaccurate, incomplete, or cannot be verified you should dispute them. You dispute items on your credit report by writing a letter to the credit reporting agency that asks them to investigate the disputed item. You should send your letter by certified mail, “return receipt requested” to verify that they received the letter and the date that the letter was received.

You should include a copy of your credit report with the disputed item circled. Also include copies of any supporting documentation that would support your argument. Remember to send copies, not originals, of any document.

Your letter can look similar to the following:

The credit reporting agency has 30 days beginning when they receive your letter to investigate the item unless they consider your request frivolous.

If they cannot verify the accuracy of the item they must remove it from your credit report.

The agency must provide you with written notice of the results of their investigation within 5 days after their investigation is complete.

If you are not satisfied with the results of their investigation you can add a brief (100 words or less) note to your file describing your reason for disputing the negative item.

Credit Reports

In general, your credit report has four components:

  • Identifying information, such as your name, Social Security number, current and previous addresses, telephone number, birth date, and employer. This information helps ensure that your credit report is accurate and doesn’t mistakenly include details about another person (perhaps someone with the same name).
  • Public record information, generally gathered from local courthouses, including bankruptcy records, foreclosures, tax liens, court-ordered payments, and late child-support payments. This information is used to determine if you have previous defaults or legal judgments against you. For example, a mortgage lender will want to know if you’ve had a past foreclosure before granting a home loan. Derogatory information can generally remain on your credit report for up to seven years, except for bankruptcy information, which may be reported for 10 years.
  • Other credit history information, such as a list of your credit cards and loans, and whether payments were on time. Here, too, negative information about your credit relationships, such as late payments or defaults, will remain on your report for up to seven years, and bankruptcy information may appear on your report for 10 years.
  • Inquiries,” a section of your report that lists the creditors, insurance companies or other parties that have requested your credit report, usually when considering an application you submitted. Inquiries typically can remain on your credit report for two years

Identity Theft Help for Prevention and Victims

The Federal Trade Commission explains how identity theft is committed: By co-opting your name, Social Security number, credit card number, or some other piece of your personal information for their own use. In short, identity theft occurs when someone appropriates your personal information without your knowledge to commit fraud or theft.

Identity Theft

Once identity theft is committed, then what? Once identity thieves fake your identity, they:

  • Open a new credit card account, using your name, date of birth, and Social Security number. When they use the credit card and don’t pay the bills, the delinquent account is reported on your credit report.
  • Call your credit card issuer and, pretending to be you, change the mailing address on your credit card account. Then, your impostor runs up charges on your account. Because your bills are being sent to the new address, you may not immediately realize there’s a problem.
  • Establish cellular phone service in your name.
  • Open a bank account in your name and write bad checks on that account.

Without regular monitoring of your credit reports, you may learn of identity theft only when you are contacted by creditors to make payments on debts you did not authorize or are rejected for a loan.

Problems You Can Encounter
My wallet was stolen in December 1998. There’s been no end to the problems I’ve faced since then. The thieves used my identity to write checks, use a debit card, open a bank account with a line of credit, open credit accounts with several stores, obtain cell phones and run up huge bills, print fraudulent checks on a personal computer bearing my name, and more. I’ve spent the last two years trying to repair my credit report (a very frustrating process) and have suffered the ill effects of having a marred credit history. I’ve recently been denied a student loan because of inaccurate information on my credit report.
From a consumer complaint to the FTC, February 22, 2001I’m tired of the hours I’ve spent on the phone and all the faxing I’ve had to do. When will it be over?
From a consumer complaint to the FTC, March 13, 2001Tomorrow is Sunday so we won’t get any notices, but I’m not looking forward to Monday’s mail.
From a consumer complaint to the FTC, November 13, 2001