Preventing identity theft is not a difficult task, as you simply have to put common sense into practice. Whenever you are through with any mail, prescription bottles or any other trash that contains your personal information you should shred what you can and black out info on pieces that cannot be shredded. This keeps those thieves who dig in trash searching for info to be left dirty and empty handed.
You also have to protect your information online. If you are interested in any information online that requires you to provide personal information, never provide your bank account or social security number. There are scam artists who will take your personal information and sell it to those who will use it to make purchases in your name running your credit.
You should also be wary when you use your credit cards or checks when shopping protect the visibility of these numbers as there are scam artists who will photograph your banking information for fraud use.
By following simple guidelines such as these you can ensure your personal information is safe from the eyes and hands of those who are up to no good. You should also be aware of your credit reports and […]
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With identity theft an increasing concern and the theft of cheques a real worry, it0s no surprise that more and more people are buying Locking Mailboxes.
A mailbox of this type can give you greatly increased security and can help to buy time even if a thief is really determined - time in which that thief might be caught. But not all locking mailboxes are as secure as they claim to be. What should you look out for when you go to purchase one?
It0s one thing for a mailbox to have a lock, but how secure is that lock? Not all mailboxes come with individual keys. Many are mass produced so that a set of ten or twenty keys - which a thief can easily accumulate - will open all of them. There0s really little point in buying a mailbox like this when for just a few dollars more you can buy something which only your own key will open.
Even if the key is unique, the structure of your mailbox has to secure in order for it to do its job. Many mailboxes have panels which are just bolted on, making them easy to snap off using basic tools.
Some can even […]
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Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have a negative impact on your credit report. Here are utility companies I like to consider non-creditors. In other words these companies don’t give you a line credit, they just provide a service.Utility companies- Phone companies- Electric companies- Security companies- Cell phone companies- Water companies- Gas companies- Cable companies- Internet CompaniesLet’s assume you are having a tough time currently, and you stop paying your cable bill. The cable company will give you a little time to pay off the debt for service rendered, but will eventually turn that debt over to a collection company. The collection company in return will report that obligation to the 3 credit bureaus wanting their money. This is how it works with any of the companies mention. Once this collection reports to the credit bureaus your credit rating just dropped about 100 points. Utility companies on the other hand don’t help your credit when […]
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