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Avoiding Bad Credit and Repair
Staying in contact with your payments each month can help you
avoid bad credit. If you research the marketplace before coming
to a purchasing decision, you are well on your way to avoiding
bad credit and repair credit hassles. You want to...
Credit Repair and Avoiding Court
If you ever entered a courtroom, you know that the stress elevates, even if you are in the room for someone else. Courts are an automatic source for lifting stress. Moreover, to avoid the courts means we have to abide by laws and pay our debts. ...
How to Dispute Credit Report Errors
Your credit report--a type of consumer report--contains information about where you work and live and how you pay your bills. It also may show whether you've been sued or arrested or have filed for bankruptcy. Companies called consumer reporting...
Online Credit Report
Online credit reports are an easy way to learn what potential
lenders will see about us, before we apply for a loan or credit.
All too often, our early mismanagement of credit, like during
our irresponsible youth, winds up hurting us for...
Searching For A Low Interest Credit Card?
These days, people need to very carefully consider what type of credit card they will carry in their wallets. There are so many options out there, and each individual has different needs. Some of us tend to carry a balance, so we need a low...
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Credit Card Safety Tips
Credit cards are one of the great conveniences of modern life.
They eliminate the need to carry around large amounts of cash
for large purchases or emergencies. They make it possible to
make online and mail order purchases without having to wait for
the post office to send your check to the merchant. All of this
power creates new risks to your finances. Fortunately, it's easy
to protect yourself with just a few simple steps.
First: Keep a copy of your credit card number and the issuer's
phone number somewhere safe - i.e. not in your wallet. This is
in case your credit card is lost or stolen you can report it
quickly. This is especially important when you go on vacation as
you won't have easy access to a copy of your billing statement.
Also, make sure that strangers will not have access to this
information - i.e. keep it locked up.
Second: If your credit card is lost or stolen, report it to the
issuer immediately. Yes, your credit card agreement probably
says you are only liable for $50 of any charges the thief makes,
but this is usually contingent upon you reporting the loss in a
timely manner. Besides, you cannot use your credit card in
physical stores unless you have the actual card and your card
issuer will not send you a new one unless you report the loss.
Third: Do not give out your credit card number to any company
that calls you out of the blue. Sure, they could be a legitimate
company offering legitimate services, but you have no way of
knowing that. They very well could be a scammer that just wants
your credit card number so they can either use it or resell it.
If the company has a product that you want to purchase, look
them up in the phone book and check with the Better Business
Bureau. If it is a charity, have them send you a donation card
in the mail. Any reputable charity will do so. While you are
waiting for the card, do a little research on the charity. Check
them out with the Better Business Bureau's charity division. If
they check out with the BBB, then you can contact them and make
your purchase or
donation.
Fourth: Monitor your statement closely. Look for any charges
that you did not make. If you are sure you did not make them,
report them to your credit card issuer. This is similar to the
recommendation to monitor your credit report once or twice per
year, but you can and should check your credit card statement
every month.
Fifth: When you use your card in public try to keep the number
hidden. Thieves will try to get your credit card number any way
they can. That includes looking over your shoulder and
memorizing it while you are in line at the store. An easy way to
keep the number hidden is to keep your finger over the numbers
on one side and keep the other side close to your body. A better
way is to keep the card in your wallet as long as possible and
put it right back in your wallet as soon as you can.
Sixth: Shred your statements and receipts when you dispose of
them. Dumpster diving is a great source of personal info and
your credit card statements have your credit card number of
them. Before you put your statements in the trash, shred them. A
shredder that cuts paper into little bits of confetti is
preferable to one that just cuts strips. Strips are relatively
easy to reassemble into a readable piece of paper. With bits of
confetti, it is much more difficult. If you want to be really
safe, you should probably burn the bits of confetti, but most
thieves will move on to an easier target rather than trying to
collect and reassemble the bits of your statement.
It may sound like a lot of work, but it boils down to keeping
your credit card number out of the hands of people who have no
legitimate need to have it. Would you hand out your Social
Security Number to just anyone? Of course not. Treat your credit
card number the same sort of protection. With these few simple
steps, you can protect yourself and your credit from thieves.
About the author:
Web Credit Card Review, credit card
reviews marketplace for the people, has been in business
since 2005.
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| The FTC's web site on Credit |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
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| National Credit Union Administration - Home Page |
| An independent federal agency that supervises and insures 7152 federal credit unions and insures 4240 state-chartered credit unions. |
| www.ncua.gov |
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| Credit - Wikipedia, the free encyclopedia |
| Debits and Credits, a type of bookkeeping entry; Credit (creative arts), acknowledging the ideas or ... Retrieved from "http://en.wikipedia.org/wiki/Credit" ... |
| en.wikipedia.org |
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| Credit (finance) - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| The National Foundation for Credit Counseling |
| DebtAdvice.org is a service provided by the Members of the National Foundation for Credit Counseling (NFCC), most of them known as Consumer Credit ... |
| www.nfcc.org |
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| FreeCreditReport.com | Free Credit Report and Credit Score Online ... |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
| www.cuna.org |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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