If you’re holding on to a check that’s suspect, a good first step is to try to verify funds in the account. To do so, contact the bank that the check is drawn on and ask to verify funds. Some banks, in the interest of privacy, will not provide that information – so you won’t know any more than you did before you called. Others will tell you if there is currently enough money in the account to cover the check. Of course, that information is only a “snapshot” of what’s available in the account at the moment you check. The account holder could withdraw funds, or other charges could hit the account after you hang up.
First and foremost, monitor your credit regularly. You can do so by viewing our free credit report snapshot , updated every 30 days. You can also get your full credit reports from each major credit bureau once a year by visiting . Scan through your reports and see if there is something on there that you don’t recognize — new credit inquiries you didn’t make, mysterious addresses, new credit accounts you never opened. If there is, you can dispute that line item or account with the credit bureaus. (Not sure how? Here’s a complete guide to disputing errors on your credit report.) You’ll also want to contact the creditor and local authorities (more on this in a few.)
We sought a comment from Cruz’s staff, who understandably are busy. Update: As we suspected, Cruz’s reference to two-thirds was in reference to the slow spending of the funds, not pork, but that’s a misunderstanding of the CBO score. Spokeswoman Catherine Frazier cited $33 billion in long-term spending, including the $16 billion in Community Development Block Grants for a range of disasters. She flagged $ billion in Federal Transit Administration aid, but according to CRS half of that was directed toward Sandy response and recovery efforts. Beside many of the line items described above, she also cited $122 million for Amtrak, of which about a quarter was for repairs of the Manhattan terminal and the rest for recovery and resiliency projects in the affected area.