Archive for June, 2009
June 30th, 2009 | 
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The credit bureaus are keeping quiet about the best identity theft prevention option, the Credit Freeze.
They apparently dont want you to know about the credit freeze (a.k.a. Security Freeze) because once your credit is frozen they can not sell your personal credit information to numerous marketers.
We want you to know about this little known secret and ask that you share it with your friends and family; the most effective personal option for identity theft prevention is the credit freeze, period.
A credit freeze is a more effective method of identity theft prevention than a fraud alert (what Lifelock and others sell) because with a fraud alert, creditors still have access to your credit file and often ignore the alert and grant credit anyway!
So both methods are aimed at stopping identity thieves from obtaining new credit lines in your name but the credit freeze is a much more potent protection for consumers concerned with identity theft prevention.
Because the credit freeze is only obtainable directly from the credit bureaus (and they dont want you to know about it) there is very low public awareness about this identity theft prevention option.
It is easy to learn how you can freeze and unfreeze your credit at the three major credit bureaus through the use of a credit freeze. We show you how, step by step in this video.
Please visit http://www.IdentityTheft.info, for more information about a security credit freeze and identity theft prevention.
Identity theft affects fifteen million victims a year resulting in fifty billion dollars in fraud. As these numbers show the impact of identity theft is staggering.
What can you do to protect yourself? Hi, Im Bob Sullivan from MSNBC. The safest and frankly the only effective way to stop many types of identity theft is to place a security freeze on all three of your credit files.
A freeze prevents anyone from accessing your credit report. Without that credit history a company wont approve a loan or issue a credit card. So identity thieves can not get credit in your name.
Let me take you inside id theft for the info you need to get a security freeze.
Credit freezes arent free. Prices vary from state to state. If youre a victim of identity theft credit bureaus may waive the fee. You will have to contact all three credit bureaus; Experian, Equifax and TransUnion and provide them with your personal information. The process will be slightly different at each bureau.
At Experian you will first get this warning that a security freeze may make your life very difficult, but dont worry because it is not permanent. You can lift the credit freeze if in when you want to apply for credit. Now, pick your state. Then you will be asked for your name, social security number, date of birth, current and past addresses dating back two years, a copy of your drivers license and one utility bill. Notice you will pick a pin unlock code, write that down and put it in a safe spot. You will need it later to have the credit freeze lifted. Send the paper work by certified or overnight mail to Experian PO Box 9544 Allen, TX 75013 and in a few weeks you will get a notice from Experian that your credit file is frozen.
You will need to contact the other two credit bureaus too to be sure your credit is safe.
Again, it is important to note that to obtain the highest identity theft prevention level you must put a security freeze in place at all three credit bureaus.
To get a credit freeze from Equifax, send a certified letter with the requested information, a utility bill for proof of address, a police report if you are a identity theft victim and payment. Fees are different depending on where you live so you should check for your state online.
TransUnion wants similar information; a copy of your drivers license and payment. Send your credit freeze request to TransUnion Fraud Victim istance Department PO Box 6790 Fullerton, CA 92834. In a few states residents can apply by phone.
Security freezes offer real piece of mind to people who are worried about identity theft prevention. Remember a credit freeze may delay any new loans, credit applications or other purchases you legitimately want to make so you will have to plan ahead for thawing that credit freeze.
There is no full proof method of identity theft prevention but a credit freeze is currently the best option available.
Duration : 0:3:15
Non-profit debt consolidators work for credit card companies. Learn about non-profit debt consolidation from a registered financial consultant (RFC) in this free personal finance video.
Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC
Duration : 0:1:4
Tags: agencies, Card, cards, consolidation, credit, Debt, eliminating, HELOC, mortgages, ratings, reducing, reporting, scores | 
1 Comment »
In this video, I explain how corrupt of a financial institution Chase Bank is. This is not just my opinion, but the opinion of thousands of others that have filed complaints and class action lawsuits against this financial juggernaut.
I missed one payment. I had a super record with this company for eight solid years. One missed payment brought my minimum payment up three times. I went from an 8.45% interest rate to 29.99%. When I called the company to negotiate, all three parties refused to change anything. In the past, all other creditors behaved amicably; not this company though.
Boycott Chase at all costs, and tell your friends what their real plan is. They are preparing for the worst economic collapse in 2009, and by ridding themselves of customers, they limit their liabilities. After all, no job equals no way in to pay your minimum payments. I believe this is their plan.
Check out some of these links:
http://chase-bank.pissedconsumer.com/
http://www.consumeraffairs.com/finance/chase_bank.html
http://www.complaints.com/directory/2005/june/15/20.htm
Feel free to post your replies and any bad experience you’ve had with these parasitic predators!
Duration : 0:10:26
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Duration : 0:4:32
http://www.howtosettledebt.org/ Learn if it’s better to hire a debt settlement company or do it yourself. Find the best ways to settle credit card debt and cut your monthly payments by up to half.
Duration : 0:2:56
I currently have a Bank of America credit card in which I earn no rewards from using. Because I’m starting to use it more and more, I’ve decided it’s time to switch to a credit card where I can earn rewards. I’m wondering if people have suggestions on the best credit card to get based on the rewards/incentives associated with it?
Hi,
You could find out and compare at this site under "Select By reward":
http://track.acclaimnetwork.com/apn_work/scripts/sclick.php?b2s=8790&SUBID=PARAM
I mean i heard after 6 years or so your credit card debt is written off, but if during those 6 years you get letters from different solictors, agencies etc does this include the 6 years or is it restarted from the beggining when to a another agency?
it will not drop off until after seven years!!!
bad credit credit cards can be quite helpful to those that have a poor credit history, or even no credit for that matter. Having good credit, and being able to purchase things by credit card, can both be extremely important issues.
Duration : 0:2:11
http://www.howtoconsolidatebusinessdebt.com/ Find out how a small business debt consolidation loan can help you save your business, free up cash flow, avoid layoffs and avoid bankruptcy.
Duration : 0:1:39
Tags: business, consolidation, corporate, Debt, loan, loans, relief, restructuring, small, turnaround |
2 Comments »
Link: http://www.news.com.au/story/0,23599,23697941-2,00.html
A 13-year-old boy from Texas who stole his father’s credit card and hired two prostitutes has been convicted of fraud.
Ralph Hardy confessed to ordering an extra credit card from his dad’s existing credit card company and taking his pals on a US$30,000 spending spree after which they ended up playing Halo on an Xbox with the hookers in a Texas motel.
The $1000-a-night prostitutes were released without charge but Ralph was given a three year community order upon his conviction on May 9, money.co.uk reported.
The prostitutes told police they grew suspicious when the kids said they’d rather play Xbox than play with them.
Authorities were alerted to the motel by a delivery clerk who, after delivering supplies of Dr Pepper, Oreos and Fritos, was asked by the kids where they could hire some escorts.
They young lotharios explained they’d just won big at a World of Warcraft tournament and wanted to relax.
The delivery clerk called the police who arrived to find $3,000 in cash, electronic gadgets, an Xbox console and games, plus the two prostitutes.
Ralph reportedly told the oficers his dad wouldn’t mind, because he’d turned 13 the previous week and he’d forgot to get him a present.
Ralph and Co. told the working girls they were people of restricted growth working with a traveling circus.
They added that State law did not allow discrimination against the disabled so they had no right to refuse them.
Explaining why he ordered two escorts, Ralph said he thought it was the done thing when you win a “World of Warcraft” contest.
The prostitutes ended up playing “Halo” with the kids instead of having sex with them.
Duration : 0:2:45