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New Survey Finds that 67% of Americans Missing Out on Easy Opportunity to Prevent Identity Theft

The Woodlands, TX (PRWEB) March 3, 2008

Identity theft continues to plague consumers. The Federal Trade Commission recently estimated 8.3 million ID Theft victims in the U.S. annually. ID Theft is a term used to describe the illegal use of another’s identity. This is normally associated with credit card fraud, but can include more serious crimes such as obtaining new lines of credit, home equity loans, car loans, or even mortgages in an unsuspecting victim’s name. This type of ID Theft is considered “new account” fraud and is the worst type of identity theft according to the FTC. It can take months before one realizes they have become a victim of this type of fraud and then months (or longer) and on average $ 1,000 to clear one’s good name.

A survey conducted in February 2008 on identity (ID) theft by eCreditFreeze, LLC (http://www.eCreditFreeze.com) showed that over 50% of the survey respondents were unaware of their ability to place a freeze on their credit report. A freeze prevents the opening of new lines of credit without the consumer’s explicit consent. When informed of this credit freeze capability, 67% of survey respondents reported that they were somewhat or very likely to place a freeze on their credit report. For those who answered that they were unlikely to place a freeze on their credit report, most answered that it was too complicated or they didn’t have enough information. While most consumers are not taking advantage of this powerful weapon against “new account” ID Theft fraud, they are very diligent in other activities which prevent identity theft. 87% of survey participants regularly review their monthly bank/credit statements. 86% guard personal information on the phone. 64% shred personal information. 66% protect their online information.

Unfortunately, it may not be the consumer’s personal practices that place them at risk for identity theft. The Identity Theft Resource Center (http://www.idtheftcenter.org), a non-profit organization dedicated exclusively to the understanding and prevention of identity theft, documented 448 data breaches affecting 127 million personal data records in 2007, some of which included social security numbers and credit information. As a result, no matter how careful one is as a consumer in protecting themselves against identity theft, they still remain exposed to the loss of their personal information.

California was the first state to pass a law in 2003 that requires the three major Credit Reporting Agencies (CRAs), Equifax, Experian, and TransUnion, to place a credit report freeze at the consumer’s request for California residents. Between 2003 and mid 2007, 38 states and the District of Columbia passed similar laws. On November 1, 2007, the CRAs voluntarily began offering this credit freeze ability to residents in the remaining states and Puerto Rico. CRAs could substantially reduce “new account” identity theft by making credit freezes easier to place and manage by the consumer. Failure to provide a consumer-friendly process is contributing to the unnecessary risk for “new account” identity theft. Nationwide there are over four hundred variables which one must consider when placing a freeze on their credit report. Companies such as eCreditFreeze, LLC have taken all these variables into account and provide consumers with a credit freeze kit for a low one-time nominal fee of under $ 10. No sensitive personal information is required to order this personalized kit.

A credit freeze is not fool-proof. Some creditors issue new credit prior to verifying a consumer’s credit information. It doesn’t happen often, but it opens the door for the fraudulent opening of a new credit line even after a credit freeze has been placed on one’s credit report. eCreditFreeze, LLC (http://www.eCreditFreeze.com) has submitted comments to the FTC suggesting that new legislation be enacted. The comments recommended both punitive and actual damages against any lender where a consumer becomes a victim of “new account” identity theft while their credit report is frozen.

This article was prepared by eCreditFreeze, LLC.

About eCreditFreeze.com

eCreditFreeze, LLC is the leading provider of low cost and affordable ID theft prevention services. We are a consumer-oriented company dedicated to helping our customers protect their identities and credit through the service we offer and the identification of other free or low cost identity protection resources. We have factored in over 400 variables dictated by state laws and the 3 major U.S. credit reporting agencies to provide each customer with a personalized credit freeze information kit. eCreditFreeze, LLC is headquartered in The Woodlands, Texas. For more information, see http://www.eCreditFreeze.com.

Company Contact Information:

eCreditFreeze, LLC tt

6700 Woodlands PKWY

Suite 230-280

The Woodlands, TX 77382

(866) 695-8550

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Mail Theft – Easy As One, Two, Three

hy is mail theft the number one white collar crime in America today?

What is happening?

One third of the cases of identity theft are due to the insidious uses of stolen mail. A person’s good credit is destroyed and his bank accounts emptied in a flash before he even knows about it. It is good to think you’ll get notification that your identity has been stolen by that company you are paying monthly to be your watchdog. But, let’s face it. They tell you about it after the fact and after the damage has already been done.

Most of the mail that goes through the U.S. Postal Service does get where it is designed to go. Yet, with nearly 700 million pieces a day, it is a monumental job tracking it all. U.S. Postal Service Inspectors arrested over six thousand mail theft suspects just this year.

Why is mail theft so prevalent?

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Honestly, think about it. It takes a thief just seconds to walk up to a mailbox and remove the mail. If he or she needs to pry open the box he or she will do it in a matter of seconds. Mail thieves follow mail carriers along a route and grab that mail before you have a chance to retrieve it yourself.

Some thieves steal mail right off the mail truck. Some even pilfer mail from collection boxes. Others pry off the back panels of apartment cluster mailbox units. This is a crime that is easy and doesn’t require many tools or any technologies.

What mail pieces do thieves use in order to steal your identity?

Thieves make use of:

*Credit card statements
*Pre-approved credit card offers
*Credit card preauthorized checks printed with your name and address
*Checks
*Utility bills
*Loan applications
*Bank statements
*Personal letters (maybe telling of when you will travel and not be at home)

What can you do to prevent your mail from being stolen?

First you take your outgoing mail to the post office or place it in the U.S. Postal Service Drop Box. Never leave it in your mailbox for the mail carrier to collect.

Second, you invest in a locking mailbox that is as strong as Fort Knox and cannot be broken into or lock-picked.

Why is mail theft the number one white collar crime in America?

*It is as easy to commit as one, two, three.
*The pay-offs are huge

Find More Mail Theft Articles

How To Quickly Increase Credit Score In 5 Easy Steps

Building a good credit score and maintenance is essentially a long process. The best way to improve your credit scores is still financially organized and learn how to manage your debt wisely. There is no doubt that the development of good financial resources to improve in this way, your credit score. But if you’re thinking of buying a home in the near future and realize that one point increase in interest rates should increase credit score quickly.

Please note that the ratings in the world, nothing happens overnight. Even with the fastest ways to increase your credit score, take some time before the changes are reflected in the credit file. But before you do so before the results start to grow. Therefore, what you can do to improve your credit score quickly.

1st Get your credit report and credit score.

You have the right to obtain a free copy of credit report from each major investigative bodies, consumers (credit bureaus EI): Equifax, Experian and Trans Union.

Get all three reports because they may vary slightly. A credit score is calculated on the basis of information contained credit card. Different companies have different formulas for calculating the results, but the most commonly used credit score is a FICO rating. His Web site, you can get more results.

This is your first step to improve your credit score. The next step is ..

2nd Review found credit for your attention and false information.

For the first time to see the credit, you will be surprised how the information is included. Unfortunately, not all information is correct. Studies have shown that in fact 25-50% of credit reports of errors.

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One reason for these errors that could mislead the people with the same name and the other ends of the report. A second, more serious incorrect information for identity theft. So if you are outdated, incomplete or look totally unknown, the next thing ..

3rd Cause of inaccuracies in your credit report.

If you think a Credit Bureau is mistaken for someone else, make sure that the name spelling. Also, make sure that the social security number of the credit report is correct. View direction, and – if the current is different from his report, which can be misleading.

If you find errors in this way can bring credit bureaus to correct immediately. If you have any foreign accounts or to pay for his report and believe that the victims of identity theft, contact the police and the creditors and credit bureaus.

4th credit report from error.

In addition to errors in the private credit report may show late payments actually paid on time, the list of closed accounts are open, and debts are repaid, and so on. When these errors occur, agencies are required to investigate and resolve.

First, you must send a dispute letter to identify the errors you believe that the report contains credit. Free sample dispute letters are available online. More copies of relevant documents in support of the proposal.

Credit Bureau shall remove the incorrect information within 30 days and error. If the credit bureau can not verify the negative information that should be eliminated during this period. If the report is correct, you have the right to copy freely.

You can also ask the credit bureau send the corrected report for those who have studied issues in the past 6 months. Do not forget to make copies of letters to credit bureaus and that!

5th Start pay your bills on time, and then pay the debt without a degree the old accounts.

In addition, failure denies the report, these are two ways to improve your credit score quickly. has made payment in years has no effect on credit quality in recent years. Automating Banking and payments are organized and able to increase the credit score within months.

You may also be a good result if you pay the debt. If you grant the loan, not resolve the account. This is the reason for such opinions. A smaller percentage increase in total assets of the guests, but after closing to reduce credit card accounts of the total available credit. Therefore, if you close your account, you can be always close to the maximum tax credit – which lowers your score.

If you’re not missing points in the best interest for the above suggestions, you can solve this problem relatively quickly. If two or three months is too long for you, there are other legal ways to improve your credit score before .

Related Free Copy Of Credit Report Articles

Easy Tips For Raising Your Credit Score

If you need to improve your credit, make sure to first find out your actual score. By law, every citizen can get a free copy of their credit report every year. On this report you’ll find your credit history. You’ll also find a report on how well you paid your debts.

Your credit report will also report who and where you owe money, the amount owed and whether or not you paid your bills on time. This information is what lenders will use to analyze your credit.

The information on your credit report is used to give each person a number, or credit score. Your number is a reflection of what condition your credit is in. Lenders look at your number and that tells them if they should give you a loan or grant you credit based on your previous ability to pay back money you have borrowed.

Well, there you go, the simple explanation for credit reports. In reality, there’s a lot more going on in the process. But, for the most part, you will only need to know your credit score and what’s on your credit report. You should make it a point to learn how to read and understand credit reports so you can see if there are any mistakes that you need to have fixed in order to raise your score.

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Now that you know in a nutshell what a credit report is, the next thing is to know where to get yours for free. Remember, every American gets one free credit report every year, and there are three major reporting agencies that you an go to for yours. The three most well known agencies are Equifax, Experian and TransUnion.

The reporting agencies will ask you some personal questions in order to prove you are the person on the report. Once they prove you’re you, your free report will be available for reading on your computer. You can then either view it or print it out for your records.

Although most people will only need one report each year, for those folks who are truly in need of repairing their credit and raising their scores, financial advisors recommend getting a report from each of the three major reporting agencies and examining what each contains. Some reports may differ from others depending on who the lenders report to. Remember too, that you only get one free report each year, so you’ll have to pay a small amount to get the other two reports. Creditors do not have to report your payment history to any agencies at all, it’s completely voluntary on their part, so you may be surprised what you find from one credit report agencies report to another.

Don’t feel like it’s the end of the world if your credit score is currently lower than what you desire. Humans make mistakes and now days have the resources to make repairs. Once you know that you’ve made bad spending choices that have damaged your credit, then take the steps required and raise your credit score.

Easy Do it Yourself Credit Repair

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims:

“Credit problems? No problem!”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

The Federal Trade Commission (FTC) says do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the nation’s consumer protection agency say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.
Recognizing a Credit Repair Scam

Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. The truth is, these companies can’t deliver an improved credit report for you using the tactics they promote. It’s illegal: No one can remove accurate negative information from your credit report. So after you pay them hundreds or thousands of dollars in fees, you’re left with the same credit report and someone else has your money.

If you see a credit repair offer, here’s how to tell if the company behind it is up to no good:

* The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
* The company doesn’t tell you your rights and what you can do for yourself for free.
* The company recommends that you do not contact any of the three major national credit reporting companies directly.
* The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
* The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
* The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.

If you follow illegal advice and commit fraud, you may find yourself in legal hot water, too: It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses. You could be charged and prosecuted for mail or wire fraud if you use the mail, telephone, or Internet to apply for credit and provide false information.
Your Rights Regarding Credit Repair

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

* You’re entitled to a free report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.
* Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. The three companies have a central website, a toll-free telephone number, and a mailing address for consumers to order the free annual credit reports the government entitles them to. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

You can use the form in this brochure, or you can print it from ftc.gov/credit. You may order reports from each of the three consumer reporting companies at the same time, or you can stagger your requests, ordering one from each company throughout the year from the central address. Don’t contact the three nationwide consumer reporting companies individually or at another address because you may end up paying for a report that you’re entitled to get for free. In fact, each consumer reporting company may charge you up to .50 to purchase an additional copy of your report within a 12-month period.

* It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under the FCRA, contact the consumer reporting company and the information provider.

Find More Annual Credit Report Request Form Articles

Free credit rating report: Feasible and Easy Means to Grab Credit Report

Free credit rating report is an awesome means to get details of your annual financial transactions. This helps in knowing what comes in and what goes out in terms of finance during a year. Earlier there were many people who did not know the importance of having a credit report. But with advancement in technology, online facility and great awareness nowadays everybody keen to have credit report so that they can plan their future in better ways.

 

Instant Credit Report can be wonderfully entailed through most reliable, easy, effortless and fast online medium. There are many trustworthy and eminent websites available that offer you credit report without charging anything from you. The credit report is provided by three primary bureaus Equifax, Trans Union and Experian. All these three bureaus offer credit report in different ways as their working nature is differ. Therefore, you are recommended to compare their Free credit rating report in a systematic and careful manner. This helps you to take out right credit report at a right time and right from the comfort of your home or office.

 

A credit report is a detailing of your annual financial transactions. This may even helps you in knowing your credit rating whether you have good or bad credit score. Having a good credit status is commendable and you may not find any problem in availing external fiscal help in future. But if your credit score is less than 520 then you must be having poor credit score which might put you under stress. With unfavorable credit score you need to start taking measures to improve it. Lenders do check your credit score before giving any financial support to you.

 

With online facility it has become really very easy and fast to attain Instant Credit Report without doing much struggle. Now you need not have to visit anywhere and stand in a long queue for obtaining the credit report. With few mouse clicks you can grab the right information on your credit report and that too free of cost.

 

Therefore, you can now easily get details of your financial transactions by seeking assistance of Free credit rating report and can conveniently know about your credit score.

Related Free Credit Rating Articles

The Easy Way To Buy A Car With Bad Credit:Part Two:

The first thing you want to know is what you want to buy BEFORE you ever go out shopping! Let me make this very clear. Car dealer’s jobs are to sell you a car on your very first visit. A salesman/woman and their sales manager believe that if you walk into their dealership and do not leave with a car, you will never come back again. They are going to hammer on you until they either A) Make you mad and you get up and leave or B) Sell you a car. It’s the nature of the beast. Know it and accept it ahead of time.

What do you want to buy? Where can you get unbiased information on the auto? http://www.kbb.com and http://www.nadaguides will fetch you cost, warranty repairs, recalls,rebates and information on problems and tons of other related info beforehand.

Limit your shopping to three models. Keep it simple. Those will be the ones that you will shop for. More than three models is too time consuming and complicates your car-buying experience. Keep it simple.

Can you afford the car? You may think you can afford the car, but the bank may think otherwise! I have seen this so many times in my career.

Let me explain automobile economics 101: Take your gross monthly income (what you make per month BEFORE Uncle Sam taxes you) and remember, this income needs to be verifiable with provable-tax returns, check stubs
with taxes taken out or a W-2. If you are self-employed, you will need two years of tax returns with Schedule C’s. The schedule C is the income that you actually paid taxes on. Being self-employed can be
tough. You may need to combine a spouse’s income if you are self-employed.

Now with your gross monthly income figured out, tally up what all of your debts are that you have going out each month. Include everything…it’s listed on your credit bureau’s.

Example: Car note=0.00 + House note= 0.00 + Credit card debt= 5.00 + Boat note= 0.00 + Charge-offs=00.00 (yes, charge-offs; these are
bills that you never paid and they were written off). Add all of your debts up. With just your obvious debts (including the charge-offs), you have 05.00 per month going out. I arrived at that figure by adding
up all the monthly notes and taking 5% of the charge-offs. 5% of 00.00 = .00.

We’re not through, though. Now we have to figure in
your cost of living=utilities. Each lender has their own algorithm for utilities but a good range to estimate would be to add 0.00. Now we have a total outgo of 05.00. Next, add your car insurance payment. For this example, let’s use 0.00 per month. This is what you have to have to pay your current bills before you take on any other debt.

Almost all lenders will not allow your new car note to exceed 20% of your gross monthly income. For our example, let’s assume that your gross income is 00.00 per month. To make it easy, take 05.00 and double it. That would be 10.00. That would leave you with disposable income of 0.00.

What the lender is looking at here is referred to as ‘debt-to-income’.They want to know if you have more going out than you can handle. This is strictly a case of numbers and provable numbers.

If your gross income was 00.00 and you had 05.00 in debts each month, you need to be prepared for one of two things; (1)add your spouse’s income and your spouse to the deal or (2)trade in the other open auto. If your debt-to-income is running too close to 50%, you’re
going to have a hard time getting a loan for anything. Make sense? The way the bank looks at it is like this: you can’t afford both cars so they assume that you are going to let the other (older) car go back to the lender=repossession. That’s their take. Debt-to-income is a HUGE deal.

In this case, your disposable leftover income is 0.00. 20% of your gross (00.00) would be 60.00. Whoa! Let me be the first to inform you that you are NOT getting a car payment of 60.00! Why? Well, you only have 0.00 left over for starters. Let’s be realistic here.

Most lenders will slice that in half which will equal 5.00. Your payment call should be around that figure, give or take a few dollars.

How expensive of a car can you buy on a 5.00 payment? Good question and one that you absolutely need to know so that you can pick out the correct car. One answer depends on the term of the loan. You can
finance for 36, 48, 60 or 72 months, as a for-instance. That equates to 3 years, 4 years, 5 years and 6 years.

I will tell you this: the worst thing you can do is extend the note out the longest amount of time in
order to get the payment where you can afford it. That creates a syndrome that now affects over 75% of car owners called being “Upside Down.” It means that you owe more on your car than it’s worth. It also means that you need more money down when you go to trade it in. The only way around that is a lot of money down or a short-term loan. If you will buy what you can afford and finance for the shortest term possible, you will be in a much better position to trade sooner.

You can again do a Google search for a ‘car loan calculator’. You will then punch in the loan amount you want to borrow, the term (48,60, etc.) and the interest rate. If you have not gotten approved already and know
what your interest rate is, you will have to guesstimate.

Here’s a rule of thumb for you-it’s not an exact science without knowing your credit, but it is a guide you can follow to get you close.

Let’s base the rate on your beacon score: that’s what the lenders are going to look at.

If your beacon (credit score) is in the 400 or lower range, you will need to figure your interest rate on a new car at 21% (state maximums differ-it could be 18%). If you are looking at a used car, figure on 33%.

If your beacon score is in the low 500 range, figure your new car loan as you would for the above-mentioned 400 beacon.

If your beacon score is in the mid to high 500-range, figure a new car at 18% and a used car at 27%.

If you have a beacon of 600 to 649, figure a new car
at 16% and a used car at 20%.

If you have a beacon score of 650 to 699, figure a new car rate at 12% and a used car rate at 16%. I may be
hitting too high on a few of these, but I live in a state that has the highest rates in the nation. Better safe than sorry.

With the car loan calculator, you will basically be backing into the payment. Punch in an amount that you believe you will be financing and then adjust to get it to the payment of 5.00.

In my next article, I will take you by the hand and personally walk you through the steps to get pre-approved online and get the check, negotiating, how to narrow down your three cars in a hurry, what NOT to
say or do at the dealership, what to demand before you sign and what to expect once you go into the finance office to sign.

Your credit score is an integral half of your money life. It’s important that you just understand what it’s all about. Lenders, landlords, insurers, utility corporations and even employers look at your credit score. It is derived from what is in your credit reports, and it ranges between 300 and 850. Yet, consistent with a survey that was recently conducted, nearly half of all Americans do not grasp how these scores are derived or even what factors are used to come up with them. As an example, if your credit score is five hundred eighty you’re most likely visiting pay nearly 3 proportion points additional in mortgage interest than somebody who had a score of seven hundred twenty. Or another means of looking at it, if you had a one hundred fifty thousand dollars thirty-year mounted-rate mortgage and your credit score was sensible enough to qualify for the simplest rate, your monthly payments would be about eigth hundred ninety dollars. This is in step with Fair Isaac, the corporate that created the FICO score and who the speed is named afte (Honest Isaac COrporation). If your credit is poor, however, it’s very seemingly that you’d have to pay more than one dollar,two hundred a month for that terribly same loan. With therefore a ton of depending on the credit score, its necessary to understand what it is all regarding and what are the things that have an result on it. Unfortunately, people commonly have a heap of misinformation and misunderstandings about their credit score …
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Fraud, Waste, and Abuse

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Fixing the economy is as easy as 1,2,3!

The reality cannot even be anymore as plain as day. The writing is on the wall. The USA really has two choices, which is to continue business as usual with never ending deficit spending leading to high taxation, which in turn of course hinders the economy by burdening all business and leaving the consumer with less or we can seriously have a look at where we are today to make drastic reforms in overall Government size to where we can adapt our current course of complete economic implosion and Government insolvency and just systematically reform a new lean and mean Federal Government to save Trillions of dollars and to pay down the National debt.

First and foremost, I want to make it clear that I do not have a desire to see current Federal employees unemployed, just as I would not want to be unemployed or anybody in the private sector to be unemployed either, which is why when Federal Government downsizing occurs, it needs to be performed in stages to ensure that employment transitions occur seamlessly for Federal employees who loses their jobs through out the down sizing process.

Why is it imperative that we down size the Federal Government? Well for starters we currently have about 8 Trillion dollars in unfunded liabilities, approximately Trillion dollars in National debt and a Trillion dollar (and growing) budget deficit as well as unemployment/underemployed U-6 of 22% (May 2010, Labor Department statistics) of the Nation and a weak private sector that is constantly shedding businesses every month in Bankruptcy while trying to sustain a .8 Trillion a year budget and only bringing in around -.2 Trillion a year at the Department Treasury and as unemployment rises and businesses continue to fold the revenue coming in will obviously like a total no brainer, decrease . In essence, the current course that we are on is leading us right towards a cliff at the Grand Canyon and the results are not going to be pretty if we fail to act and change course soon!

So obviously if we are to be a society with any brains we have to balance the Federal budget 1st and create budget surpluses to pay down debt and at the same time we need to limit Government interference in the Private sector to encourage small business start ups and to encourage existing companies to have the ability to grow. This can be easily achieved if we decided to reduce our Corporate tax rate from 36% to 15%. As a result of doing this, companies will gain an immediate ability to grow inventory, advertise more and as volume of business increases, these businesses will eventually generate new employment again. The Federal budget should be reduced to Trillion dollars a year as well.

How do we shave .8 Trillion from the Federal budget? Well for starters, it will be essential to repeal and reform the recently forced health care reform bill that passed with 75% of the Nation opposing the ridiculous bill and was only able to pass with bribes, threats and arm twisting in Congress and of coarse nobody has forgotten at all just how anti American and Authoritarian the entire process truly was, not to mention the fact that the Nation had no money for it at ALL during the worst recession since the Great Depression. The HCR bill is just too expensive! Next it will be essential to eliminate the Department of Education, which wastes approximately 0 Billion dollars a year with virtually no improvement in over all National education for the Nation’s children. Saved revenues and 100% authority should be returned to the States and tax payer, who we all know are highly interested in ensuring that Education is properly funded so that America’s children receives the best primary Education possible. The only real change that would occur is that the parents would gain greater say in their child’s Education at a more local level and through new taxation at the State level, less fraud waste and abuse will occur resulting in more bang for the buck in overall Education. After wards the Department of Defense should consider 2 outcomes in order to save serious money. Option 1 would be to assemble a plan to charge regional Nations to pay for DOD’s deployment and contracting expenses should it be determined that US Military actions benefit regional Nations economically or Option 2 which would seek to save Billion a year in down sizing non essential foreign military bases, which total at approximately 700. DOD could control 100% of the action, they could be permitted even to increase the size of certain bases as they deem necessary, but ultimately they will need to save Billion a year. If they can save more in an intelligent manner without jeopardizing National Defense, then a pay raise for all E-1-O-9 service members in all branches should be issued at 10% over their annual salaries, so long as the savings covers the overall pay increases. DOD could also look at ways to increase the life expectancy of non combat equipment and machinery and if they achieve doing an outstanding job in saving more than the targeted Billion a year reduction, then 1/2 the money saved every year will be returned to the Treasury in savings and the other 1/2 kicks into additional pay raises equally divided for all Military Service members. In effect every unit Commander will have the joy to announce to their service members that they have the ability every year as a team to increase their salaries, every year as a team. That is outstanding positive reinforcement to make efficiency become habit, because now it pays to be efficient and it pays to make everything stay in top notch shape and last longer. This concept will not be permissible on body armor, combat systems, weapons or critical technologies as determined by DOD’s top command, because such things will have to stay on a schedule of new and the best at all times, but anything and everything else, play ball!

A third area to save tremendous amounts of money will be to review thousands of agencies to determine which agencies should be down sized and or eliminated. A target of savings should be set at Billion a year.

A fourth area to save money should be a target of Billion a year in the Department of Energy.

A fifth area to save money should be in reforming Social Security which has never received proper funding in the 1st place.

Social Security should become a new 21st Century individual controlled investment account with Federally backed Insurance that strictly protects the amount invested in by the individual and employer, but does not protect the amount of targeted gains. This would truly be a Republican/Democrat compromise. This would allow a choice of investments that the individual can make in US markets, but ensure that they don’t lose it all if they retire during an economic downturn. In essence the Social Security individual will either at least have a savings for retirement to retire with just enough or if their investments were wise and good then they would have the ability to retire in style. This concept would perfectly balance between the Democrats strong desire of centralized control and the Republicans desire to allow individual liberty. Solving Social Security if it can ever happen will have to be a perfect compromise by both Party’s otherwise the problem will never be resolved and as a result of not solving the Social Security problem, then more than likely it will go belly up and then nobody will have anything at all. A market control of age to retire should rise when times are bad and lower when times are good randomly due to uncontrolled market forces and the American people should be told that that is just how it goes to ensure that everybody has their Social Security protected. Markets are some times very good and some times markets are horrible.

A new fair flat tax system should be installed with abolishing the income tax and estate tax.

The new excise tax system will be as follows: (The way it is composed is again, trying to compromise the ideological differences that the left and right has, but no less the Treasury will gain more money than ever and every tax bracket of income earners will save too)

Subsistence items = No taxation what so ever. A huge list could determine what is essential to human life with no luxuries. Example: grocery food, non soda/alcohol drink, 1st home, diapers, clothing items under 2010 value of 0 per article of clothing, shoes, baby products such as cribs, rocking chairs, pacifiers, heating furnaces for homes, tooth brushes, tooth paste, soap, shampoo, toilet paper, coats, jackets, etc.

Common items = 7%. This could include: household goods, electronics, tires, cars, motor oil, tools, machinery, office supplies, lawn care products, lumber, ladders, industrial materials, cement, concrete, steel, copper, guns, ammunition, air conditioners, humidifiers, books, caskets, grave stones, bubble gum, perfume, cologne, cosmetics, news papers, and much, much more.

Luxury items = 9%. This could include: expensive paintings, jewelry, boats & yachts, high end automobiles, ATVS, snow mobiles, fast food, candy, sweets, soda, sugar, private jets, hot tubs, pool tables, 2nd home& beyond on a private basis, sex toys, trains, Rec vehicles, fur coats, etc.

Vices of life items= 12%. This could include: Alcohol, tobacco products, marijuana, coffee, tea, slot machines, craps tables, black jack tables, roulette tables etc.

Surplus revenues should be utilized as follows: 65% pays down debt and 35% is utilized for small business grants and Nano technology research and development Grants for primarily medicinal purposes to create a new major US Industry to produce a new technology that will render Global demand. 60% of the 35% should be utilized in Nano Technology research and development Grants to

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Quick Instant Payday Loans Online: Easy Credit check or no checking?

Quick Instant Payday Loans Online: Easy Credit check or no checking?

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Home Page > Finance > Loans > Quick Instant Payday Loans Online: Easy Credit check or no checking?

Quick Instant Payday Loans Online: Easy Credit check or no checking?

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Instant Payday Loans online mean fast, quick approval. This easy immediate payment in advance can get a quick online credit check or with no credit checks at all. Find out how easily millions get speedy internet confirmation that money from their upcoming paycheck is being wired immediately and effortless.

Online instant payday loans are sometimes referred to as easy advance payments. After the payment loan gets approved the funds are quickly deposited into the applicants checking account. Not instant, but usually with in 24 hours. Quick online paycheck advancing is commonly used to solve short term cash problems. The quick cash can be used to cover medical bills, household bills, or even fix your automobile in a pinch. It could even cover your mortgage payment.

 

Instant loans are usually faster than the usual loan process. Applying is easy and can usually be done online. The online application for the payday crediting reduces the amount of paperwork that the applicant needs. Some instant payday advancements even offer a super easy no fax option. With the no fax option the applicant is not required to fax any employment or signature paperwork back to the loaning company.

 

Many loan companies offer these paycheck advance money payments to applicants without checking accounts. The online instant cash provider has partnered with a prepaid debit card company and they will deposit the loan amount on to the prepaid debit card. Usually these cards are either a Visa or MasterCard. Which also gives the borrower quick, almost instant, access to the credited loan funds. For example, Easy Online Payday Loan, an online company at http://www.easyonlinepaydayloan.com, is one of the fastest.

 

Borrowing monies from these paycheck loans is actually very easy and quick. Most online pay withdrawals are quickly approved within 24 hours, then the cash is deposited into the account or prepaid debit card account that the applicant has provided. There is a need for a checking account so the advance loan can be repaid in a timely manner. The money funds are usually withdrawn directly out of the applicants account. These easy payback advance funds are usually required to be paid back with in a short time. Interest rates on advanced pay crediting are usually higher than traditional borrowing.

 

Instant online payday loans are convenient and easy to get. They give those who have credit unable to be approved for the traditional loan the ability to improve on their credit. If your credit score is too low for you to be approved for a loan then you can try online payday loans and have access to the quick cash that you need. At the same time as you repay this advanced money, your credit score is improved. The loan repayment schedule is set out in advance and the monies are taken directly from your checking account on the scheduled paycheck day. This allows for the repayment dates to be on-time every time. So with the timely cash repayments that your ability to get approval for a traditional loan is improved. This is because most payment in advance companies report to major credit reporting agencies.

 

A quick background check and approval is easy and fast. The applicant has to be 18 and when checked, show that they have the ability to payback loans. This check can be proof of employment or benefits such as unemployment or the government. There are some companies that offer same day payroll advances where the funds are deposited with in 24 hours of applying. Find out more right now how quick instant payday loans online can be. Either easy credit check or no checking is required.



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Online instant payday loans are expertly researched by Gilbert VanNorman, an accomplished writer working on his Advanced Writer Certification. You are encouraged to visit http://www.easyonlinepaydayloan.com to get your need quick, easy cash today

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Im looking for great oline stores and cataloges that instantley approve a credit line with no credit check and no crdit card required?i have no credit/bad credit
How many credit checks can you have ?
Where can i get a home shopping catalogue. Household goods, clothes. etc:. No credit checks. pay monthly. Not u.k.Just u.s.a. or europe. Thank you

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Identity Theft and Fraud: Catching Them is Usually Not This Easy

Identity Theft and Fraud: Catching Them is Usually Not This Easy

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Identity Theft and Fraud: Catching Them is Usually Not This Easy

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Identity Theft and Fraud: Catching Them is Usually Not This Easy

By: Daryl Campbell

About the Author

Daryl Campbell. No an identity thief will not usually show up at your home or workplace and use your personal information right in front of you but there is a good chance you know who they are. Click here to find out more.

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Article Source: http://www.articlesbase.com/ – Identity Theft and Fraud: Catching Them is Usually Not This Easy

“Out of how many customer-service desks, out of how many registers she could have gone to, and she had to come to me?” It almost sounds like a take off of the Humphrey Bogart line from the movie Casablanca. It isn’t. For Michelle McCambridge, the situation was all too real.

The Federal Trade Commission estimates that last year 8.4 million people were the victims of identity theft. The good news is that is a decline from previous years where the numbers hovered close to the 10 million mark.

Those statistics are of little comfort to people who wind up bearing the financial burden. McCambridge reports that the thieves used her social security number to rack up thousands of dollars in charges. But through an amazing coincidence McCambridge was able to turn the tables.

According to The Seattle Times, McCambridge who works at J.C. Penny was standing behind the counter when a customer approached requesting to open a department store account. When the person presented McCambridge with the necessary information needless to say she was shocked.

The “customer” gave Cambridge’s name as well as phony identification. “I was a little panicked. I was a little shaky,” said the 23 year old college student. But she managed to pull herself together slip away from the counter and alert store security.

By doing so, McCambridge started a whole of chain of events that led not only to the arrest of the suspect but the dismantling of an identity theft ring.

The circumstances are to say the least extraordinary. As Joseph Velling, a special agent for the Social Security Administration explains “Identity-theft crimes are some of the most difficult criminal cases to investigate. It is not that law enforcement does not know what crime was committed. Rather, it is a simpler question – who did it?”

This may explain why the majority of identity theft cases remain unsolved. If that was not bad enough, factor in that an overwhelming number of identity crimes never get reported. Is it any wonder that for nearly a decade identity theft has topped the list as the number one consumer complaint?

No it will probably never be this easy. If you are the victim of identity theft the chances that the thief will show up at your place of business and present their (your) information is not very likely. But even if you are not that fortunate, what happened to Michelle McCambridge should serve as an example about the importance of fighting back.

Joseph Velling says it best. “I’m very proud of her. It was heroic.”

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Daryl Campbell. No an identity thief will not usually show up at your home or workplace and use your personal information right in front of you but there is a good chance you know who they are. Click here to find out more.

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