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Casual Articles - Check Your Credit Report Regularly
Many webmasters, including myself have a dislike for popups, popunders, exit consoles, and the like. In the early days of the Internet they were the tactics used by unscrupulous and unethical webmasters, some of which created popup/under after popup/under in an endless stream that at times ended up crashing a user’s browser.This gave all popups and popunders a bad reputation. So bad in fact, that a whole industry cropped up to create software that blocks both popups and popunders. Microsoft has even installed a popup blocker right into its latest version of Internet Explorer.A ton of articles have been written about the evil of using popups and popunders and enough people have downloaded and installed some form of popup blocker that most of the unscrupulous webmasters h
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what
These days most of the organizations treat the internet as a very important tool for their marketing efforts. While the internet can play a crucial role, it can deliver only if used properly. And as competition intensifies it is increasingly becoming important to have proper online marketing software to help you in your marketing endeavors.There are several online marketing software available today and you have to pick one from them according to your needs and budgets, the basic functions that these software perform are to provide you with an autoresponder software and a mailing list manager. Before you select any one particular product you must understand what they are and how an online marketing software will help you in your business.In today’s business networking is
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Identity theft is a type of fraud in which financial information is illegally obtained for the purpose of making unauthorized purchases and transactions with credit cards or funds from financial accounts. A thief can use your personal information such as your name, drivers license, Social Security number, health insurance, or bank account number, to make purchases as if they were you. If this happens, it could be the beginning of a financial disaster that could linger for years and cause you to lose job opportunities, be turned down for credit or loans, and in some cases, ruin your reputation.
There are a lot of thing you can do to minimize the risk of becoming a victim of identity theft. This article focuses on obtaining and reviewing your credit report, quite similar to what we do when we perform network security assessments, believe it or not.
What Is A Credit Report
--------------------------
There are three major credit bureaus that collect, maintain,
an distribute credit information about you. These companies
are Experian, TransUnion, and Equifax. Some of the
information you will find in your credit report is; personal
information such as your legal name, alias names, addresses,
current and previous employers, and date of birth; your
credit summary such as current and past credit status, total
number of open and closed accounts, the balances of
accounts, if they are current or delinquent; public record
information such as federal bankruptcy records, local
government court records, liens, judgments, and child
support records (information that can stay in your record
for up to 10 years); credit inquires - when you apply for a
credit card or loan, the institution will make an inquiry to
one or more of the credit bureaus; detailed account history
- very up to date information about your loan payments,
credit card debt and payment history, and this information
stays on your report indefinitely; credit score - a number
ranging from 330 to 830, the higher the number the better
your credit is and increases the chance of you obtaining a
loan or credit account.
Why Should You Check Your Credit Report Frequently
--------------------------------------------------
If someone gets your Social Security number, it only takes a
few additional pieces of information, which is quite easily
obtained, to assume your identity. The Internet makes it
even easier than ever because most of this information the
criminal needs to get his hands on is out there. It is not
my purpose to scare anyone, but I must tell you that if you
think you are not at risk, you need to think again.
The most common forms of identity theft include; credit card fraud, bank fraud, communications services, and fraudulent loans. The bad thing is that this type of fraud can negatively impact your life, the good thing is there are ways of monitoring what other people do with your identity.
Do you know, that nearly all of the security assessments we perform, we find personal and financial information on work computers. What ever you do, do not store this kind information at your workplace. This is a sure fire way of becoming a victim of identity theft. If I had more room in this article I could tell you stories about identity theft and fraud that would make your hair stand on end. And, everyone of us are potential victims.
Things You Can Do To Protect Yourself From Identity Theft
----------------------------
I've written other articles about identity theft, and I am
sure I will write more. The bottom line is this is one of
the worst things that can happen to you financially, and the
risk of it happening is quite high. Some of the things you
can do to minimize this risk besides regularly checking and
monitoring your credit report is:
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what
So you've thought about getting a credit card, but all you've heard about from parents, friends, co-workers, and the like is that they are just trouble. Horror stories of over limit charges, finance charges, late fees, mysterious charges, telemarketers, and missing bills dance through your head like sugar plumb fairies in children on Christmas Eve. It’s important to know, going into your first, or even your fifth credit card experience, that as a credit card holder, you have certain rights that go along with your responsibilities.Here’s a rundown of some your credit card rights:Prompt Credit for Payment:Your creditor is required to post payment received within twenty four hours of receiving it. In order to insure that this system goes smoothly from your end, make
--------------------------
There are three major credit bureaus that collect, maintain, an distribute credit information about you. These companies are Experian, TransUnion, and Equifax. Some of the information you will find in your credit report is; personal information such as your legal name, alias names, addresses, current and previous employers, and date of birth; your credit summary such as current and past credit status, total number of open and closed accounts, the balances of accounts, if they are current or delinquent; public record information such as federal bankruptcy records, local government court records, liens, judgments, and child support records (information that can stay in your record for up to 10 years); credit inquires - when you apply for a credit card or loan, the institution will make an inquiry to one or more of the credit bureaus; detailed account history - very up to date information about your loan payments, credit card debt and payment history, and this information stays on your report indefinitely; credit score - a number ranging from 330 to 830, the higher the number the better your credit is and increases the chance of you obtaining a loan or credit account.
Why Should You Check Your Credit Report Frequently
--------------------------------------------------
If someone gets your Social Security number, it only takes a
few additional pieces of information, which is quite easily
obtained, to assume your identity. The Internet makes it
even easier than ever because most of this information the
criminal needs to get his hands on is out there. It is not
my purpose to scare anyone, but I must tell you that if you
think you are not at risk, you need to think again.
The most common forms of identity theft include; credit card fraud, bank fraud, communications services, and fraudulent loans. The bad thing is that this type of fraud can negatively impact your life, the good thing is there are ways of monitoring what other people do with your identity.
Do you know, that nearly all of the security assessments we perform, we find personal and financial information on work computers. What ever you do, do not store this kind information at your workplace. This is a sure fire way of becoming a victim of identity theft. If I had more room in this article I could tell you stories about identity theft and fraud that would make your hair stand on end. And, everyone of us are potential victims.
Things You Can Do To Protect Yourself From Identity Theft
----------------------------
I've written other articles about identity theft, and I am
sure I will write more. The bottom line is this is one of
the worst things that can happen to you financially, and the
risk of it happening is quite high. Some of the things you
can do to minimize this risk besides regularly checking and
monitoring your credit report is:
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what
The growth and survival of business in the dynamic environment depends upon the development of new products. Organizations must always be on the lookout for new opportunities and exploit the opportunities by creating new products and services. That’s where the role of business process management outsourcing comes in.Needless to say, new product development holds the key for the survival of an organization. New products do not come about by themselves. They are the result of the ingenuity of creative people in the organization. As such, it is obvious that new product development is the function of organizational creativity. In other words, it depends upon how creative an organization is with new ideas because any organization can only be as creative as its people.Creativ
Why Should You Check Your Credit Report Frequently
--------------------------------------------------
If someone gets your Social Security number, it only takes a
few additional pieces of information, which is quite easily
obtained, to assume your identity. The Internet makes it
even easier than ever because most of this information the
criminal needs to get his hands on is out there. It is not
my purpose to scare anyone, but I must tell you that if you
think you are not at risk, you need to think again.
The most common forms of identity theft include; credit card fraud, bank fraud, communications services, and fraudulent loans. The bad thing is that this type of fraud can negatively impact your life, the good thing is there are ways of monitoring what other people do with your identity.
Do you know, that nearly all of the security assessments we perform, we find personal and financial information on work computers. What ever you do, do not store this kind information at your workplace. This is a sure fire way of becoming a victim of identity theft. If I had more room in this article I could tell you stories about identity theft and fraud that would make your hair stand on end. And, everyone of us are potential victims.
Things You Can Do To Protect Yourself From Identity Theft
----------------------------
I've written other articles about identity theft, and I am
sure I will write more. The bottom line is this is one of
the worst things that can happen to you financially, and the
risk of it happening is quite high. Some of the things you
can do to minimize this risk besides regularly checking and
monitoring your credit report is:
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what
Forget the hypnotic copy writing and the blinding graphics of the Clickbank market place for just one second. Avert your gaze away from the internet ‘gurus’ and the million dollar boats and plush mansions. There is a hidden danger lurking behind these brightly lit dreams, and it certainly isn’t pretty. So what is this grisly danger that I speak of, the same that every day gobbles up a new and unsuspecting wannabe entrepreneur? The black hole of the internet, where thousands enter and never leave, is the home of the ‘Affiliate Addicted’!I am writing this article now, from within the dark place to warn other unsuspecting folks about this malignant hidden danger. No doubt you have heard the stories about ‘internet gurus’ and their million dollar mansions, flash cars, and bik
Do you know, that nearly all of the security assessments we perform, we find personal and financial information on work computers. What ever you do, do not store this kind information at your workplace. This is a sure fire way of becoming a victim of identity theft. If I had more room in this article I could tell you stories about identity theft and fraud that would make your hair stand on end. And, everyone of us are potential victims.
Things You Can Do To Protect Yourself From Identity Theft
----------------------------
I've written other articles about identity theft, and I am
sure I will write more. The bottom line is this is one of
the worst things that can happen to you financially, and the
risk of it happening is quite high. Some of the things you
can do to minimize this risk besides regularly checking and
monitoring your credit report is:
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what
The growth of eBay has witnessed an increase in auction fraud. Sellers and buyers have had bad experiences and eBay, at last, are making further attempts to put a stop to some of these. There has been not only an increase in bad buyer experiences but also a rise in consumer expectations, fuelling this latest drive.Trust is a major issue on eBay. Where, in the past, buyers and sellers could trust each other (within certain limits) there is now a growing culture of dishonesty and fraud. Members could hide behind the anonymity of the internet. But no more, as eBay introduces new measures. No longer will members be able to keep their feedback private meaning that the worst offenders will be able to know what experiences others have had.In some circumstances, bidders will be
Shred all of those pre-approved credit cards you get in the mail. This includes any document or item you receive that contains your Social Security number, date of birth, or any other personal identity information.
Never print your Social Security number, phone number, date of birth, or credit card information on your checks. If a merchant ask you for this information so they can write it on your check, do not give it to them. Even if they tell you you cannot make the purchase without it, go somewhere else.
Secure your mail and email. Did you know that a common tactic for thieves is to divert your mail by filing a change of address at the post office. Of course, there is the typical method of just reaching into your mailbox and taking checks, utility bills, and so on. Because people use email as a substitute for snail-mail (normal paper mail), you should be careful what you email to people as well.
Monitor your credit by obtaining a credit report from one of the three, if not all three, credit bureaus. They may be able to provide you with a consolidated report from all three companies. And, most of them have inexpensive monthly services that monitor your report for you and send you alerts when things change or inquiries are made on your account.
Conclusion
----------
As a consumer, you need to take this issue of fraud and
identity theft very seriously. Not only should this be
important to you, but if you have a family, you should see
it as an obligation to protect their future. As with any
type of security issue, there is nothing 100% secure.
However, you can take steps to minimize your risk and
exposure. Remember, it is typically the easy target
criminals focus their attention and efforts on.
Obtain your credit report and review it thoroughly, you might be surprised by what you find. If you happen to see something that is not right, take immediate steps to clear it up.
You may reprint or publish this article free of charge as long as the bylines are included.
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