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HOW TO GUIDE: AFFILIATE MARKETING FOR PROFIT
This FREE information is very valuable to your online success. For further training please subscribe to my training course for a more in depth way of marketing your site by sending a blank email to: elindabay@getresponse.com. or sign up at to my...
How to Prosper Because of Your Competition
If you’ve been considering your competitors as roadblocks, or hindrances, you 've been overlooking an important springboard to success. Business owners frequently consider their competition as the enemy. Many focus on "beating the other guy" because...
How To Save On Your Auto Insurance
Let your fingers do the walking... Remember that Yellow Pages Ad Campaign? Excellent advice if you're shopping for auto insurance. Shop around and do it yearly. Don't just keep paying the invoice over and over without comparison shopping. Below are...
Looking for a new HBB idea: Here's one
This compilation of information is Copyright March 2005 by http://www.organicgreens.us, and Loring Windblad. This article may be freely copied and used on other web sites only if it is copied complete with all links and text, including this header,...
Office Set Up
OK, you say, I've decided to start my business. I have my idea, my identity package, my licensing and zoning done. Now I need to set up my office. Your first step is to decide whether to convert a room into an office or a space/area in your...
 
Identity Theft – Monitor Your Credit Report

The recent security breach at credit card processor CardSystems Solutions has many consumers worried. Thanks to a well-placed computer virus, nearly forty million credit card numbers were stolen, and cardholders nationwide are justifiably concerned about identity theft. Should a thief steal your identity, he or she could run up thousands of dollars worth of debt in your name and it could take years to sort out the ensuing financial mess.

Fortunately, a relatively new tool is available to consumers to help alert them to potential fraudulent activity on their credit record. Each of the three main credit bureaus offer a subscription-based credit monitoring program, as do numerous banks and financial institutions. Fees vary, but $50 or so per year is typical. The bureaus will notify consumers of activity conducted under their names, including the opening of new accounts, changes of address, credit inquiries from lenders, late payments and lawsuits and liens. Notification can come in the form of e-mail or even a message to your cell phone, if you like.

Should you be notified of suspicious activity, you can then call the appropriate agency, be it a lender, the credit bureau itself or the police, if necessary. The packages vary in both prices and features, so interested consumers


should shop around to find a plan that works to fit their needs.

A free alternative is to obtain a free credit report. Thanks to a law passed last year, Americans can obtain one free report from each of the three credit bureaus per year through a special Website. By obtaining one report every four months, consumers can keep an eye on activity under their name for free. This is not nearly as effective as subscribing to a monitoring plan, which will notify you when activity takes place, but it is better than doing nothing at all. With the recent security breaches by major credit card processors, consumers who are worried about being victims of identity theft have genuine concerns. The credit bureaus are doing what they can to help, and the monitoring programs and free credit reports are a step in the right direction.

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 mortgages and home equity lending .

 

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