Written on 3:40 PM by zorayda
How to Prevent Identity Theft
Identity theft is the fastest growing crime in America today. More than 9.9 million Americans were the victim of many types of identity theft scams in 2004, which ended up costing them almost $5 billion. Most identity theft victims suffered sever financial damage and even financial ruin because they thought identity theft would not happen to them. No matter what your current financial state is like, where you live, or what your spending habits are, you are a target for identity theft. The truth is that everyone is at risk for identity theft, but fortunately there are things you can do to prevent identity theft from happening to you. Read more>>>>
Simple Steps You Can Take To Stop Identity Theft
According to statistics from 2006, identity theft happens to more than eight million people a year. As a result, there are a slew of companies offering services to prevent it. There ARE measures that the average person can take though that will help prevent identity fraud. This includes protecting your privacy,and your personal information, shredding mail and financial documents, and monitoring your credit diligently. You might also consider purchasing identity theft insurance. It won't stop it from happening, but it will prevent scammers from taking over your savings and ruining your credit. Read more>>>>
Things You’ll Need:
- Knowledge
- Awareness
- Shredder
- Caution
- Sign up to Receive Free Credit Alerts From Equifax. Please click on the link posted below to read my article 'How to Receive Free Credit Alerts From Equifax'
- Monitor all your bank and credit accounts by single login by signing up for 'My portfolio' services. Many banks offer such services through their online banking. Please read my article 'How to Access Multiple Bank and Credit Accountidens by Single Login' below.
- If you have a WAMU bad credit card you would be able to track your FICO credit scores on a monthly basis for free. Please click on the link below to read my article 'How to get a Free Monthly Credit Scores'
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ID theft,
identity theft
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Written on 2:41 PM by zorayda
There are many credit companies that make loans available to people with bad credit scores. Even if you have a bankruptcy on your record, it's still possible to get a loan. The biggest concern, however, is that typical "bad credit loans" have very high interest rates, forcing you to take responsibility for high monthly payments.
1. APPLY. Create an account on the site with a user ID and password. Once you have a user ID, you simply fill out the application, with information like your name, employment history, etc., and submit it with a click of your mouse. Nothing could be easier! 2. SIT BACK AND WAIT! The lender will review your application. Oftentimes, you'll receive a phone call or email asking for more information, and in some cases you may need to provide documentation, such as faxing the company one of your recent pay stubs. 3. READY TO GET SIGN. With most types of poor credit loans, you'll need to physically sign the paperwork, and the loan company will want the original copies. Some companies hire a processor to meet with you and handle the signature aspect. Others will send or overnight the papers to you so you can sign them, and then you'll have to mail them back to the company.
Helpful article on getting a loan with bad credit score.
- If you get a loan and take care to meet all payments on time and in full, the loan can actually help your credit score.
- If your credit score is low, most lenders will only offer you high interest loans. Not only will you be making higher monthly payments, but the bad credit loan will also cost you significantly more in the long run.
- Make sure that you are getting your loan from a legitimate lender. There are numerous lending scams that specifically target desperate individuals with bad credit scores.
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bad credit loans,
loans for bad credit,
poor credit loans
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Written on 10:54 AM by zorayda
Having bad credit won't necessarily prevent you from getting a credit card, but it can make it—along with other, larger purchases in your life— much more difficult. Follow these steps to get a credit card despite your bad credit.
Here are some article that will be helpful for you in repairing your credit score
Things You’ll Need:
- Secured Credit Cards
- Credit Reports
- Credit Cards And Loans
- Credit Counseling Services
- Identification
- Knowledge of Credit History
- While you are trying to get a credit card, keep paying all your other bills on time.
- Once you get a credit card, you'll start getting offers for other cards in the mail. Be wise: You should have no more than three credit cards - one or two with a small credit limit and one with a larger limit for emergencies.
- Don't get a credit card from a single store or chain of stores. Use Visa, MasterCard, Discover or American Express, as these are widely accepted.
- Do not get a credit card that has an annual fee. There are lots of credit cards available that don't charge annual fees.
- If you are denied credit, by law the issuing company has to tell you why. Request a copy of your credit report to see what is in it.
- Don't overspend. Use your credit cards to your advantage. Only buy something that you can pay for in cash. This will keep you from buying more than you can afford.
- Many credit cards carry interest rates of 18 to 21 percent. If you cannot pay off your balance every month, you are spending more than you can afford and need to stop using your credit card until you can pay off the balance.
- Credit card interest is not tax deductible.
Posted in
bad credit cards,
bad credit credit cards,
fix credit score,
poor credit cards,
repair credit csore
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Written on 9:41 AM by zorayda
A borrower with less-than-perfect-credit history has a chance to get a loan with bad credit personal loan. The borrower should clearly state what is the purpose of the loan. The reason is one of the basis of the bad credit loan term and its repayment.
Here is How To get a Bad Credit Personal Loan
Things You’ll Need:
* Credit application
* Supporting documentation (credit report, proof of earnings, notarized list of assets and liabilities)
Tips & Warnings
* Use the opportunity to improve your credit rating. Pay back the poor credit personal loan promptly, don't miss any payments and watch your credit score increase.
* The fees, closing costs and interest rates on a personal loan for bad credit are usually much higher than standard bank loans.
Posted in
bad credit,
bad credit loan,
bad credit personal loans,
loan,
personal loans,
personal loans for bad credit,
poor credit personal loans
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