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Tips to Avoid Credit Card Fraud

So many people across the globe are affected each year by credit card fraud and identity theft. It has become a priority for governments to enforce laws to help prevent consumers from having to suffer this awful experience. Although these laws are in place, it does not completely prevent credit card fraud from taking its toll on a person’s credit rating and bank account. It is more important than ever to keep yourself safe from fraud by guaranteeing personal information is secure.

The easiest way for a thief to steal your credit card information is to steal the credit card itself. This form of credit card theft is the easiest to trace and the easiest to catch early on. It’s always important to keep your card on you at all times and check regularly that it is still in your possession. Never leave your purse or billfold alone and if you are the victim of a mugging, report the theft immediately to police. Most credit card companies will reimburse you for any unknown transactions but the sooner you report it as missing the easier it will be to avoid disputes over which transactions were made without your knowledge.

Credit card statements are also a great way for thieves to get a hold of your information. It’s best to avoid paper credit card statements all together and opt for online statements that give you more up to date information and privacy. If you must use paper statements be careful about how you store and dispose of them. Make sure that you always keep important papers in a safe place and shred any documents that contain your credit card statement before you throw them away.

While this may seem like a hassle, it could save you a lot of trouble down the line, so play it safe. You never know who might be going through your garbage.

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Never give out your credit card information over the phone unless you are making the call to a reputable source that you know and trust.

Even though most of this may seem like common sense, scammers know how to be manipulative and can often get the majority of uninformed people to fall in their trap. If you have a concern about a company that has contacted you, it’s always a good idea to write down the name and number of the organization and check it out with your local consumer protection office or Better Business Bureau. If a scammer is contacting people in your area, you can protect others and help put a stop to their actions by notifying the proper authorities. In all honesty it’s never a good idea to give out credit card information over the phone. There is always the chance that the wrong person could over hear you and write down your information but sometimes it will be necessary just make sure you are careful about it.

It’s now in these times that you are at the worst risk of becoming a victim of credit card information theft when you use your card on the internet. There are so many different ways that a thief can gain access to your information so it is of the highest priority to be extremely careful when using the internet for transactions. For starters, NEVER give out your information directly to anyone that you are uncertain about. Most individuals or small internet companies accept payment through trusted third parties such as paypal or neteller who protect your information and keep others from gaining access to it. If these sorts of payment methods are not an option then it’s better to just avoid making a purchase with them entirely unless they are a very well known and reputable site such as Amazon. Even when making a purchase with a major site be sure to check the URL and do not use links given to you via email. Never give out your information to someone who requests it via email even if they say they say they are from your bank because banks would not ask for such information.

When making a purchase over the net make sure you always use your own personal computer to make transactions. There are several programs that can show a potential thief which keys you have used and these criminals are known as keyloggers. So if one of these programs has infected your computer it could gain access to all of your personal information without much effort. Some spyware works in much the same way so when using your computer be sure to run anti-virus and anti-spyware checks regularly to locate any security problems.

Finally, check your statements regularly for any unknown transactions.

Sometimes thieves will get a hold of your information and wait months before they make a move and other times they will just take a little bit at a time in hopes that you won’t notice. There is a reason that credit card companies provide you with a statement so make sure that you check yours every single time you receive one.

Credit cards are extremely convenient and provide a valuable service, so don’t let all of these tips make you nervous. In many ways credit cards are still safer than cash because if your card is stolen you can still get the majority of your money back. Play it safe and report any problems early and you’ll be able to enjoy all the benefits credit cards have to offer, without the headaches.

Related Credit Card Fraud And Identity Theft Articles

Identity Fraud: Relevance to Landlords and Steps to Take to Avoid Becoming a Victim

Landlords are particularly susceptible to identity fraud both from tenants with a false identity and tenants who are looking to steal the identity of the landlord or previous tenants.

What can you do as a landlord to reduce the likelihood of becoming an identity fraud victim?

Landlord issues

Below are some steps you can take to protect yourself.

Register your title to the property at the Land Registry with a current address for service.
Register a restriction on your property title if you feel at risk.
Ensure all financial information and other personal documentation is addressed to your current home rather your rental property.
Following a void period ensure utility bills are put into tenants’ names and remove all post at the rental property which is addressed to you.
Remove all personal documentation and belongings from the property prior to showing prospective tenants around.
Check bank statements and credit card bills regularly, and investigate and report unusual entries.
Use a shredder to destroy personal documentation which you no longer require.
Arrange for your post to be redirected from the rental property.
Store personal documents, passwords and usernames in a secure place.
Obtain a credit rating every six months and be alert to false credit applications made in your name.
Register with a mailing preference service so your name is removed from direct mailing lists.
Tenant issues

Knowing your tenant really is who he or she says she is is essential. The following steps should not only enable you to check out your tenants’ backgrounds but could also protect your tenants from identity fraud.

Use a comprehensive tenant application form.
Verify the identity of all new tenants with original documents, at least one having a photograph (for example, driver’s licence, passport, bank statements, utility bills, birth certificate, marriage certificate, national insurance document, benefits book, HMRC documentation, etc.).
Carry out credit checks on all new tenants and be alert to tenants with financial problems and county court judgments.
Follow up references for all tenants, including previous landlords and employers.
Fit secure individual post boxes for tenants living in shared properties.
Ensure tenants have their post redirected when they leave the property.
Consequences

The ramifications of being a victim of identity fraud are far-reaching.

Financial – tenants will be intent on avoiding rent payments. They are also likely to evaporate into thin air with substantial rent arrears.
Property – damage to your rental property is likely, leaving you footing the bill for repairs.
Tenant v landlord protection – residents are generally protected regardless of identity and as a landlord it could take months to evict the tenant and obtain possession of your rental property.
Time – you will need to spend hours preparing documents to prove you have been a victim of identity fraud and also to obtain a crime reference number from the police.
County Court Judgment (CCJ) – you could end up with a CCJ against you if debts have accrued in your name. This will adversely affect your credit rating.

Guarding against identity fraud by taking the preventative steps listed above should go some way to ensuring that you as a landlord and your honest tenants do not have to suffer the wide-ranging damage that identity fraudsters leave behind.

Simple Landlords insurance

 

Landlords insurance is essential for anyone who is thinking of renting out their property. Whether you’re looking for a better deal on your current landlord insurance or need to cover your first buy to let property choose Simple for a price-beating quote in minutes.

When it comes to insuring your property we keep it Simple. By operating exclusively online and with no broker fees we can cut costs and pass these landlord insurance savings on to you. With Direct Debit payments you get the convenience of spreading your payments throughout the year.

Our complete online landlord insurance solution provides you with 24/7 access tomanaging your policies online. This means you can easily retrieve a quote, amend or renew your landlord insurance policy online.

How do you avoid identity theft?

Identity theft is a very serious problem across the planet. It is the fastest growing type of crime in North America and it is affecting thousands of people every day. It is also one of the most preventable types of crimes because so much can be done to keep you from being a victim. You can prevent car jacking by locking your doors, but that is all you can do. With identity theft, there are literally dozens of ways to keep yourself from losing your identity to a thief. The problem may be that people do not understand how widespread the problem is or how much it has affected economies across the planet. Here are some statistics to show you just how bad identity theft is and how much it can hurt your credit and the economy. In 2006, identity fraud cost the United States .6 billion In 2006, the average fraud per person was ,882. In 2003, only 15 percent of victims found out that they were hit with identity theft because of the proactive actions taken by a business. The average time it takes for a victim to resolve the problems created by identity theft is 330 hours. Nearly three-quarters (73 percent) of identity thieves use the information they obtain to get a credit card in the victim’s name. The emotional impact of identity theft has been found to be similar to violet crime. A significant example of how bad identity theft can get for a person comes from a Ms. Brown who told a U.S. Senate Committee Hearing that one person impersonated her and did the following: Bought ,000 in goods and services Completely destroyed her credit rating. Engaged in drug trafficking in Ms. Brown’s name. Had a warrant put out for her arrest in Ms. Brown’s name Created a prison record in Ms. Brown’s name Was booked into prison under Ms. Brown’s name. Elsewhere in the world, there is significant damage caused by identity theft. In Australia, identity theft costs about AUS billion per year. In the United Kingdom, identity theft costs the economy of the UK 1.2 billion Pounds each year. Identity theft is a serious problem that more people need to be aware of. It can not only cost you your credit rating, it can ruin your life. Like Ms. Brown who was nearly arrested because someone was committing crime in her name, you could find that losing your identity is not as simple as a lower credit rating. You have to take time to explain to companies you did not buy from them. You have to have your credit errors repaired and that can take months, and you have to ensure that the identity thief is caught so that they don’t keep using your credit. It is much easier to be proactive and not allow yourself to become a victim of identity theft. It is easier than you think to stop identity theft in its tracks. If you or anyone that you know would care for more information regarding this post, feel free to visit http://www.creditrepairbydrjen.com

More Identity Theft Cost Articles

Credit Report Scam – How To Avoid it

For the last few years there have been a number of con artists who have been making people’s lives a misery by stealing their identity and running up thousands upon thousands of dollars of debt in their name.

However, like many I’m sure you would never get caught out like that – or would you? Do think that the people who have their identity stolen are making it up or are so dumb that they probably made it easy for the thieves who stole from them?

Well prepare to be shocked. It is often some of the most careful and credit conscious people who get caught out by these thieving con men and con women. Now logic says it should not happen that if you keep an eye on your credit rating you will be among the people who get ripped off.

Let me explain how the credit report scam works, and you will soon see why it is possible for it to happen.

We will take a case of someone who is careful about maintaining their good credit rating and who is security conscious. They like to get hold of their credit report every year so that they can go through it and check that all the details are correct. They make sure no typos have occurred that will cause them problems when they next apply for a mortgage or an auto loan, etc.

All sounds ok so far don’t it?

Well maybe, but we’ve already passed the point where the scammers would be lurking, watching out for the unwary. That point was when our credit a conscious friend above got hold of their credit report.

When you decide to get a copy of your credit report it is essential that you check out the website you are requesting it from. That’s because the scammers usually set up a very professional looking site which all seems a board and legitimate, and they offer a free credit report. After that it’s just a case of waiting for the unwary.

If you haven’t checked out the site you will fill out the report with all the details you would expect to fill out on any legitimate site. Things such as:

Full name

Address

Date of birth

Social security number

They might even ask for details of existing credit cards, etc.

Now when you look at that can you see how easy it is for them to run a credit report scam and then simply walk off with all the details, they would need to steal your identity?

More Reporting Scams Articles

Lionheart Assurance Solutions Offers Series On How to Avoid Identity Theft Scams on Twitter

Discovering how to avoid identity theft on Twitter and other social media is becoming a growing concern for countless of people who have profiles on and participate in social networking sites. As people continue to enjoy interacting with friends and meeting other Net users, social networking sites such as Twitter will continue to flourish and bloom. However, as such sites grow in popularity they also become a new phishing ground for cheating cyber criminals and identity thieves. To protect yourself from scams and other online fraud, you have to put up some serious security measures. Read on and take the time to learn how to educate and protect yourself, your family and friends from ripoff.

The first thing that you need to do on how to avoid identity theft on Twitter and other social media is to keep in mind that the Internet is a public place. Although social networking websites are trying their best to protect the privacy of their members, there will always be ways in which criminals would be able to find out how to take advantage of the flaws in the social media system. Thus, it is important to be careful with what you post and include in your Twitter and other social media accounts.

Aside from identity theft, cyber squatting and making scam impostor accounts are also very popular these days. Many people have already found that there are individuals who are using their pictures and other information for cheating other people or staging scams that ripoff either the identity owner or his or her friends and family. If you think that other people are using your name, pictures and even email address to do unlawful things on social sites be sure to file your complaints with the site administrator. This may not be the surest way on how to avoid identity theft on Twitter and other social media, but it will surely do the trick in removing the impostor’s profile and page on the social networking sites involved.

Lastly, beware of clipjacking, which is a way for cyber criminals to harvest passwords online. So, be observant and notice slight changes in the home or login page of Twitter and other sites. Also, it may be helpful to view the security of the site by clicking on the Page Info. Always stay safe online to avoid fraud.

More Identity Theft Scam Articles



NationalCreditReport.com Addresses The Common Question, “How Do I Avoid Identity Theft?”

Delray Beach, FL (PRWEB) June 10, 2009

NationalCreditReport.com (the “Company”) is helping people fight identity theft in America. As consumers frequently ask, “How do I avoid identity theft, and what are the laws against it?”, NationalCreditReport.com announced the launch of three nationwide services. These credit monitoring services will enable customers to monitor their credit file and receive rapid alerts of any related activity.

Providing consumers with early notification is the best way to prevent identity theft in America and across the globe. The Company’s services encompass identity theft insurance, credit monitoring and reporting, and free credit scores. For more information about which protection plan is right for you, visit http://www.NationalCreditReport.com and begin protecting your identity.

“Identity theft in America and around the world has become a very serious issue. In fact, identity theft is the number one crime in the U.S. There are simple steps individuals can take to help protect themselves from identity theft and laws are in place to discourage the crime,” said Chief Executive Officer William J. Caragol. “Our products and services help individuals safely and effectively prevent and avoid identity theft and learn about their credit score and credit file history. All solutions we offer use the highest security.”

Each of the three programs ranges in price, however they all include Safeguard Credit™ monitoring, a free credit score, and $ 25,000 of ID theft insurance*, which help address the question of how do I avoid identity theft. The Safeguard Credit monitoring service is set to alert the subscriber within 24 hours of any major changes made to their credit file. Consumers should note that credit monitoring does not affect their credit.

*ID Theft Insurance is not permissible by state law in the following states: AK, CA, IL, IN, NY, OH, WA and WY.

About NationalCreditReport.com

Since 2004, NationalCreditReport.com has specialized in providing a variety of credit information to consumers to help protect them from identity theft in America. The Company provides credit monitoring, credit reports, credit scores and other identity theft protection services.

# # #

©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Avoiding Identity Theft Press Releases

How to Avoid Getting a Bad Credit Report

With the advent of technology, everything seems to be going online. Credit systems, modes of payment and financial management services are today available on the World Wide Web as it has proven to be a platform that is more convenient. The online world is truly the future when it comes towards creating financial reports and there is nothing quite like using the net to ensure these results. Many individuals are using the web world of finance to get the best of credit reports. However, there have been recorded instances where people get an inaccurate credit report due to a few mistakes that the reporting agencies make. Hence it becomes all the more important to ensure that individuals do not get bad credit reports by educating people about un-established agencies which are only in the market to swindle people. It recommended that individuals looking to gain a comprehensive report of their credit scores opt for the best of services from a reputed credit reporting agency which has gained the accreditation of other satisfied customers. The best way in which this can be done would be to ensure that one scouts the online marketplace well before they make a firm decision. Alternatively, reading a few reviews or feedback left by other customers will also help them avoid getting bad credit reports.

Another factor that affects the outcome of a bad credit report is the lack of security in terms of online services. When it comes to any financial management program that is carried out online, it becomes imperative that companies in operation offer their clients with adequate means of security. Any financial report would require the individual to submit their personal statements of monetary earnings and expenditures which would formulate the basis of the report. However, if these credentials are handled unprofessionally or if the data of the online service is not protected, it could lead into identity theft and thereby create a bad credit score. In certain cases, due to lack of good online security, a lot of people have filed for complaints pertaining to the loss of data in their social security statements. In 2008 alone there was an estimated loss of 10 million victims who fell prey to identity theft in the United States. This led to the national loss of nearly Billion. The striking fact is that these problems have been due to the errors in judgment that people have made when they decided to opt for any company that made fictitious promises of giving them complete analytical and well structured credit reports. Hence, it has become all the more important that individuals opt for a trusted name in the financial management scenario that has gained a name for themselves over the years. Doing so will eliminate the possibilities of getting a bad credit report and in turn will present individuals with an accurate and well prepared credit report.

There are many online services claiming to offer the best credit report for your money, however, I have found that only one consistently provides the most accurate information at an affordable price.

CreditScoreDirect.com is by far one of the best credit report companies on the web. Find out what your credit report looks like today.

Free report at: www.CSBCards.com – (*24hr Recorded Message (775) 473-9014*) CREDIT REPAIR: info from the credit secrets bible Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast! What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”… While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better. Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this. One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22. How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on. Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors: 1.) The “High Credit Limit” and 2.) Your “Debt to Credit” Ratio Your high credit …
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Email Identity Theft – How to Avoid the Phishing Nightmare

The most common form of email identity theft is called phishing. We’ll take a closer look at onthly fees.phishing and finally wrap things up by showing how you can prevent identity theft without paying monthly fees.

Security experts advise their clients that they should ever send sensitive personal information over the internet. But, that seems a bit extreme.

If you have the right anti viral, anti spyware and fire wall programs, you should be able to safely communicate with your broker, your spouse, your financial institutions and other people that you know. You just need to be sure that you really know them first; that they are who they say they are.

Phishing scams are becoming more and more sophisticated. In the early days, bad grammar and dozens of misspellings filled their emails. Today, you have to look really hard to spot even one difference between the messages they send and those that would be sent by true professionals.

Not that they aren’t professionals. Scammers are professional con-men. There’s no doubt about it. There’s also no way to determine how many people have fallen for their cons. Some people are too embarrassed to even report it. They take the loss and go about protecting their accounts from future thieves.

In truth, there probably isn’t much that anyone can do about email identity theft. There are several organizations that collect the emails in an effort to let unknowing consumers in on the latest scams.

reportphishing@antiphishing.org is one of the addresses that accepts forwarded emails and makes an effort to make a difference. But, how do you know what to send them?

Identifying phishing efforts before you become a victim is what you really want to know about, if you’re like most people. As mentioned above, they are becoming harder and harder to spot. You can’t forward an email to the anti-phishing organization and ask them to tell you if it is a scam or not.

So, here is one example of what you can do to avoid email identity theft.
You receive a message that appears to be from your bank or credit provider. There are no grammatical or spelling errors that you can detect. The logo seems authentic.

You are advised to follow the link in the message or download a form. Do not do either one of those things.

Call the bank or credit provider in question. Ask if there is some information that they need to verify. Do not call the number included in the message. Call the number on your statement or the back of your credit card.

In addition to using this tactic for email identity theft, some hoodlums use it to spread viruses. I call them hoodlums, because they are just like vandals. They gain nothing from this pastime. The viruses are present in the attachments. As long as you don’t download them, your computer is not at risk.

There are many other things that you can and should do to protect your personal information from internet and email identity theft. Numerous books have been written on the subject. At least one of them is a worthwhile investment.

Visit http://www.StoppingIdentityTheftNow.com to find out how you can prevent identity theft without paying monthly fees.

Check Credit Report To Avoid Theft And Other Problems!

Check Credit Report To Avoid Theft And Other Problems!

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Home Page > Finance > Credit > Check Credit Report To Avoid Theft And Other Problems!

Check Credit Report To Avoid Theft And Other Problems!

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Posted: Aug 21, 2009 |Comments: 0
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The easy going world of yesteryear is long gone and has been replaced by one where speed constant change is the norm. Unfortunately, this fast-paced and ever-changing technology has created a whole new form of theft, also known as identity theft. Stories of unsuspecting victims are all over the news. For example, ATM machines being held hostage by these thieves who steal personal identification numbers and clean out bank accounts. This is the reason why check credit report regularly is necessary by everyone who is responsible and cares about his or her own credit.

Checking the statements of your credit card and credit line, every month is imperative to ensure there are no errors and to foresee purchases that were not really made by you. The latter may indicate that you have been a victim of some sort of identity fraud. But there is much more than that! By reviewing your credit report, you can see if there have been any other credit applications made in your name, whether they were approved or refused. If this is the case, then you are certain that you are being defrauded in some way.

With that said, check your credit report regularly to make sure that you’re not a victim of any type of identity fraud as early as possible. The reason for this is that any credit taken in your name by yourself or anyone else, will be listed on your credit report.

Many victims, however, never even knew that they had certain loans, because their information was stolen and used. For such people that didn’t check their credit report, in many cases, they found out when collectors began contacting them or repayment.

Yet another reason that you should check your credit report from time to time is that human errors exist. It is not uncommon for incorrect data to be listed on your report. Finding and fixing these mistakes as early as possible will enable you to obtain credit more easily when you need it in the future.

Moreover, you should always know how much credit is available to you and how good your credit rating is as this can help you obtain low interest rate credit. The better your credit is, the more creditors are willing to give you. And with all this credit, competition, you’ll find that you’ll benefit from much lower interest rates. In the end, it equals saving you money, especially if you carry balances on your credit cards.

Knowing your credit rating also means that you know, what has caused you to have this score. Therefore, if your score is poor, you can always work on perfecting it. Often, consumers do not know what may cause them to have a poor credit rating.

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Court ordered judgments – How to avoid them and keep a clean credit report

Court ordered judgments – How to avoid them and keep a clean credit report

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Home Page > Finance > Credit > Court ordered judgments – How to avoid them and keep a clean credit report

Court ordered judgments – How to avoid them and keep a clean credit report

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Posted: Dec 31, 2010 |Comments: 0
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Let’s face it, dealing with the threat of being sued for a debt and having a court ordered judgment placed on your credit report would make anybody unhappy. But, with a little know how and guidance, you will be in a position to deal with this judgment before it hits your credit report.   In this article I have provided you with killer tips on dealing with a possible court ordered judgment.

How do I avoid a court ordered judgment on my credit report?

When the court orders one party to the lawsuit to pay the other party a certain amount of money.  The amount of money awarded to the winner is called a money judgment. Try to avoid the debt from becoming a judgment by either settling the outstanding account or setting up a payment plan.

I just got a summons to appear in court for an old debt. What should I do?

If your income is low and you can’t afford to settle the debt, go to court with a payment agreement in mind. Be sure to bring proof that you can’t afford the full amount of the debt. This could include copies of your lease, utility bill, student loan payments and other documents. Since the judge has the power to force the creditor to enter a payment agreement, ask for a payment plan to avoid a court ordered judgment. In return, the creditor’s attorney will request for a stipulation of judgment, which means that if you default on the agreement, the creditor’s counsel can get a judgment entered without having to sue you.

How do I file a motion to have the judgment set aside?

Call the clerk and ask for the procedures on filing a motion to set aside a default judgment. After doing this, talk with a Prepaid Legal Attorney for assistance on taking the next step or to help you write the motion.

Lastly, most people get nervous when faced with court papers. But, having a basic understanding of your options when it comes to dealing with a judgment will make you confident that you can resolve this financial matter.

 

 

 

 

 

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Mark Clayborne is a Certified Credit Consultant with ten years of experience assisting consumers with credit issues. If you liked this article, then please sign up to read the first chapter of The Credit Repair Book/HCRS and get a Free Restore your Credit E-class at http://www.hiddencreditrepairsecrets.com This article may be freely reprinted or distributed in its entirety in any Ezine, newsletter, blog, or website. The author’s name, bio and website links must remain intact and be included with every reproduction.

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I am trying to clean up my credit report and raise my scores, but it seems the more I do to help my credit score the lower it goes. I’m trying to purchase a home and in desperate need of help!
I looked up my credit score on free credit report.com and my credit score was above 640. So I decided to go to the bank and get a loan on a house but the mortgage specialist could not see my credit sc
A business credit card debt was reported in my Personal Credit report as a O-9 (COLLECTION).Can a business debt that was open under my EIN be reported in my personal credit report? How can I remove it

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Source:  http://www.articlesbase.com/credit-articles/court-ordered-judgments-how-to-avoid-them-and-keep-a-clean-credit-report-3948533.html

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