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Bad Credit Home Equity Loans
A home equity loan allows you to borrow against the equity you have built in your house. Even if you have no equity, you may be able to borrow up to 125% of the value of your home. You can use the extra cash to consolidate bills, fund college...
Bad Credit Mortgage Loans - Are You Killing Your Chances Of Getting Approved?
When you have poor credit, your list of lenders that will approve you for a home loan can shrink down very small. You want to make sure that you are doing everything in your power to keep your credit rating as high as you can.
Many people will...
Knocking Down the Debts with Credit Repair
If you take a hard look at your situation and analyze your debts carefully, you might just find a solution to knocking down the debts. Debts are bills we owe to creditors, someone or source that has extended us a line of credit believing that we...
The Credit Repair Organizations Act (CROA) And You
If you have negative information in your credit file, as
reflected by the Big Three reporting companies, Experian,
Equifax, and TransUnion, proves to be accurate, there is little
you can do about it. Only the passage of time will guarantee
that...
Why You May Need Credit Card Debt Consolidation
You find yourself in a situation of mounting credit card debt. You have 5 credit cards in your wallet and have been shopping more than you earn. Initially you had no problems managing your funds but it has started to snowball not too long ago. Your...
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Credit card fraud is usually preventable
One of the worst things that can happen to you is credit card fraud. This is even worse if you don't pay very much attention to your credit reports, since you may not find out about the fraud until there are very serious problems to deal with. Even if it's possible to get out of paying for most of the fraudulent purchases that are made on your card, you will often have to pay for some of them - and you will have to go through the hassle of dealing with a stolen credit card if you're not careful.
One of the major places where credit card fraud happens now is online. Therefore, you should be very careful about the companies that you give your credit card number to. Ideally, you should figure out a way to avoid giving out your credit card number at all. There are several payment services online that will help you make your online payments without giving out your credit card number to unauthorized parties.
You should also make sure that if you are entering your credit card number that it is being entered into the right field on the right page, and that it is being sent over a secure connection. If the connection is not secure, then anybody online might be able to find the information that you sent.
Another place where credit card fraud is common is over the phone. For this reason, you should avoid giving your credit card number to people or
companies over the phone if at all possible. You should also listen to your instincts regarding the phone and internet. If you have any doubts about the safety of giving your credit card number, then you should probably not do so. After all, when it comes to things like fraud, you're much better off safe than sorry.
If you do find that there are charges on your credit card that you don't remember making, then you might be a victim of credit card fraud. Luckily, there are a lot of options to people who think that their credit card might be stolen. The first thing you should do if you think that your card or card number has been stolen is to call up your credit card company and immediately cancel the card. This will keep the person who has stolen your card from using it anymore. While you'll still have to deal with what has already been done with your card, you will at least have limited the damage.
To keep yourself from being a victim of credit card fraud, however, the most important thing to do is just to use common sense. If something seems shady, then it probably is, and you shouldn't risk your credit card number if you are unsure of the situation.
About the Author
Jakob Jelling is the founder of http://www.cashbazar.com. Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.
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