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Credit Repair Resources
If you are having problems with credit you might want to surf
the market for resources that can help you find a way out of
debt. The many resources available do not include the many
spammers that tell you in three minutes we can get you out...
Home Equity Line Of Credit Or Second Mortgage Loan Online - Things To Do With Your Homes Equity
If you are wanting to get a home equity loan, rates are still low enough that you may want to make use of that equity in your home. Do you need some ideas on what you could do to multiply your equity or make some extra money off of the capital that...
How To Get The Best Rates On Your Current Credit Cards
How to Get the Best Rates on Your Current Credit Cards
So you've got a few credit cards, and you're quite happy with them overall. Still, wouldn't it be nice to save a little money on interest? It all adds up over time, and more quickly than...
New Year's Resolutions: Save Your Credit and Your Marriage
Before you whip out your credit cards this year, consider this:
more than 70 percent of divorces in America are brought about
due to financial problems. It's so easy to use your credit cards
to buy items you want. But stop and think first.
...
Repairing bad credit basics##
With increasing facilities for credit purchases being offered
every day to consumers more and more patrons are falling prey to
augmented spending habits. The rising competition among credit
card companies to attract customers is compelling them...
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Debt Consolidation – How to Protect Your Credit Accounts from Theft
Last week, a security exploit at CardSystems Solutions, Inc, a credit card processor, may have allowed thieves to obtain as many as 40 million credit card numbers from unsuspecting victims. The theft was brought about though a virus introduced into the CardSystems that allowed external hackers to obtain access to the account information. Adding to the problem was the fact that CardSystems wasn’t supposed to have the account information at all. It appears that CardSystems “inappropriately” held onto the information after clearing the credit card transactions. At that point, the account information should have been deleted. CardSystems held onto the account information for supposed “research purposes.” Fortunately for those involved, the compromised information only included account numbers and not Social Security numbers, which would have assisted the thieves in identity theft scams. This latest security breach at a credit card processor outlines how anyone can be vulnerable to account or even identity theft. Is there anything that can be done about it?
The credit card companies largely dictate the relationships between the credit card companies and the credit card processors. They are supposed to keep tabs on the processors and make sure that the processors use secure measures to protect the data of customers. These issues are not governed by law, but the processors can be fined by the credit card companies for violations. So what can the average credit card customer do to make sure that their account information isn’t compromised? Not much, it would appear. The paper
transaction has long since been replaced almost universally by the electronic one, and anytime a customer uses a credit card, their account information is moved from one computer to another. Hackers continue to develop more sophisticated methods of stealing information, and their techniques are often ahead of the processing companies’ ability to develop comparable security measures. For the foreseeable future, credit card customers must consider that their accounts are vulnerable.
In time, the credit card companies and their associated processors will establish security guidelines that are more effective than the ones that are currently in place. In the meantime, the best thing cardholders can do is to simply minimize their exposure. The best way to do this is to have as few credit card accounts as possible and to use them sparingly. Granted, it is often difficult to avoid using credit cards, but there are times when people simply pull them out of the wallet out of habit when using a check or cash would suffice. This may sound inconvenient, but at the moment, the only way to make certain that your account numbers are safe is to avoid using them when possible.
About the Author
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.com, a site devoted to information regarding home equity loans.
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| Credit Reports - Credit Cards - Car Loans - Home Loans - Credit.com |
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| Equifax Personal Solutions: Credit Reports, Credit Scores ... |
| National consumer credit reporting company that offers credit reports, FICO(R) credit scores and identity theft protection products to consumers and small ... |
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| The FTC's web site on Credit |
| Credit is much more than a piece of plastic, and the resources on this site can help you become a more savvy consumer. You’ll also find compliance ... |
| www.ftc.gov |
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| Federal Trade Commission - Consumer Credit Center |
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| AnnualCreditReport |
| Site set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports, as required by federal law. |
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| Springboard - Non-Profit Consumer Credit Management |
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| myFICO - FICO Credit Scores, Online Credit Reports and Identity ... |
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| Credit Suisse Global |
| Credit Suisse Group is an international financial services group. - Shares part of SMI. |
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| Experian: Free Credit Report and Credit Score, Credit Check ... |
| Credit referencing and consumer targeting for the USA and other countries. |
| www.experian.com |
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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" ... |
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| Credit (finance) - Wikipedia, the free encyclopedia |
| Any movement of financial capital is normally quite dependent on credit, ... Sometimes if a person has financial instability or difficulty, credit is not ... |
| 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 ... |
| FreeCreditReport.com: Free credit reports and credit scores from Experian. Get your free credit report and credit score now. It's free, fast, and easy! |
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| Compare credit cards | apply for a credit card | 0% balance ... |
| Compare over 300 credit cards, including 0% offers and balance transfers, and make a credit card application online... |
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| Ford Credit - Auto financing for Ford, Lincoln and Mercury cars ... |
| Ford Credit provides auto financing to finance a lease or purchase a car or truck through Ford, Lincoln or Mercury dealerships. |
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| The Credit Card Prank |
| In my lifetime, I have made nearly 15000 credit card transactions. ... Credit card signatures are a useless mechanism designed to make you feel safe, ... |
| www.zug.com |
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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. |
| www.creditmag.com |
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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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