Thursday, August 26, 2010
Monitor Your Credit to Prevent ID Theft and Stay Financially Solvent
Cyber crime is on the rise and usually results in ID theft. That can include theft of credit card numbers, debit cards, social security number or any other personal/financial information.
Criminals use sophisticated online phishing schemes to lure your into giving them your personal information through fake websites that imitate legitimate sites.
Criminals can also use the old fashioned way of stealing wallets or purses. Even if you just lost your purse or wallet, you stand a chance of getting your ID stolen.
Id theft can affect your credit in a bad way, not to mention your finances in general. It can completely ruin your financial future for years. Once a criminal gets your credit/debit card they can completely max out your credit cards or withdraw (steal) money via your debit card. You could be held liable for any charges to your account. They also can use YOUR social security number to create a whole new Identity for themselves.
All this will have a negative impact on your credit history. Having poor credit score can mean higher interest rates on loans and possibly higher insurance premiums -each of which can end up costing you thousands of dollars. Even some employers are checking credit histories of potential employees so it could affect your ability to get a job.
If you are just trying to improve your score you may want to monitor your credit score/report over a period of time to track your progress.
At the very least you can check your credit report at least once a year to check for errors and much more often if you suspect ID theft.
You can get 3 free credit reports from annualcreditreport com. The problem with that is you can only get each of 3 reports once a year. You could request one of the 3 reports every few months if you want to - but that still may not be enough.
You can also get your credit scores from each of the 3 credit bureaus for a fee. Those aren't free.
There are services that monitor your credit scores and report. They are usually monthly fee based. Some provide theft protection in the form of insurance, as well as alerts to changes. They usually give you your scores right up front.
Get all 3 credit scores FREE from all 3 bureaus PLUS premium 3 bureau monitoring - FREE 30 day trial then 14.95 /mo. Give your personal info the protection it needs online. Stay up-to-date!
Criminals use sophisticated online phishing schemes to lure your into giving them your personal information through fake websites that imitate legitimate sites.
Criminals can also use the old fashioned way of stealing wallets or purses. Even if you just lost your purse or wallet, you stand a chance of getting your ID stolen.
Id theft can affect your credit in a bad way, not to mention your finances in general. It can completely ruin your financial future for years. Once a criminal gets your credit/debit card they can completely max out your credit cards or withdraw (steal) money via your debit card. You could be held liable for any charges to your account. They also can use YOUR social security number to create a whole new Identity for themselves.
All this will have a negative impact on your credit history. Having poor credit score can mean higher interest rates on loans and possibly higher insurance premiums -each of which can end up costing you thousands of dollars. Even some employers are checking credit histories of potential employees so it could affect your ability to get a job.
If you are just trying to improve your score you may want to monitor your credit score/report over a period of time to track your progress.
At the very least you can check your credit report at least once a year to check for errors and much more often if you suspect ID theft.
You can get 3 free credit reports from annualcreditreport com. The problem with that is you can only get each of 3 reports once a year. You could request one of the 3 reports every few months if you want to - but that still may not be enough.
You can also get your credit scores from each of the 3 credit bureaus for a fee. Those aren't free.
There are services that monitor your credit scores and report. They are usually monthly fee based. Some provide theft protection in the form of insurance, as well as alerts to changes. They usually give you your scores right up front.
Get all 3 credit scores FREE from all 3 bureaus PLUS premium 3 bureau monitoring - FREE 30 day trial then 14.95 /mo. Give your personal info the protection it needs online. Stay up-to-date!
Wednesday, August 25, 2010
What's with all the declining credit card debt? You must be doing something right http://bit.ly/chTvc5
Tuesday, August 24, 2010
They claim Identity Guard Extra Caution will monitor your credit for you http://bit.ly/a6SnoC (and you get all 3 scores for free)
Get all 3 credit reports & premium monitoring - give your personal info protection it needs online. Stay up-to-date! http://bit.ly/9IeGeO
Tuesday, August 17, 2010
Curadebt Review - Curadebt Customer Review
What our Curadebt review revealed.
I looked into Curadebt as a company that could potentially help those who need help with debt relief. I am talking about those who can't make monthly payments or are way over their head in debt.
On the suface our Curadebt review reveals them to be a reputable company. They have over 10,000 clients, offer written guarantees, have won numerous awards and have a lot of good testimonials among other things.
Some have reported debt settlment of up to 70%.
*They can also help small businesses restructure and settle their debts as well.
You can read the full Curadebt review and Curadebt Customer reviews here.
I looked into Curadebt as a company that could potentially help those who need help with debt relief. I am talking about those who can't make monthly payments or are way over their head in debt.
On the suface our Curadebt review reveals them to be a reputable company. They have over 10,000 clients, offer written guarantees, have won numerous awards and have a lot of good testimonials among other things.
Some have reported debt settlment of up to 70%.
*They can also help small businesses restructure and settle their debts as well.
You can read the full Curadebt review and Curadebt Customer reviews here.
Thursday, August 12, 2010
Wednesday, August 11, 2010
Tuesday, August 10, 2010
Credit Counseling
Credit counseling agencies won't pay off the debt for you but they will work out payment plans with lower interest rates and fees for your outstanding debts. You'll make one monthly payment to the counseling agency, and they will in turn pay your creditors. Credit counseling programs usually do not impact your credit rating. However if you are already behind on payments then your credit may already be impaired.
Read more...
Read more...
Monday, August 9, 2010
Deciphering Your Credit Score Formula – What Determines It?
According to leading industry experts your credit score is based on the following:
1) Types of Credit in Use: About 10% of your score
2) Pattern of Credit Use: About 10% of your score
3) Length of Credit History: About 15% of your score
4) Amounts You Owe - Approximately 30% of your score
5) Payment History: Approximately 35% of your score
For more details please see http://bit.ly/ayeqc5
According to leading industry experts your credit score is based on the following:
1) Types of Credit in Use: About 10% of your score
2) Pattern of Credit Use: About 10% of your score
3) Length of Credit History: About 15% of your score
4) Amounts You Owe - Approximately 30% of your score
5) Payment History: Approximately 35% of your score
For more details please see http://bit.ly/ayeqc5
Thursday, August 5, 2010
New blog post Debt reduction programs/services - have they worked for you or anyone you know? - leave a comment http://bit.ly/cLKwbG
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