identity theft: Identity Theft Blotter - 07/01/08 08:27 AM
How to Prevent Identity Theft
Identity Theft Daily - San Diego, CA, USA
Identity Theft posses a very serious issue to everyone today. If you have a driver's license, a bank account, a computer, or simply a social security number...
Unisys Security Index Reveals Identity Theft and Financial Fraud
FOX … (3 comments)
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identity theft: Identity Theft: 5 Tips To Protect Your Pricacy - 06/27/08 10:28 PM
The Federal Trade Commission (FTC) estimates that as many as 9 million Americans have their identities stolen each year. This means that an identity is stolen every 3 seconds, costing the average victim nearly $4,000 and nearly 175 hours to straighten out their problems and their credit. How can you protect … (6 comments)
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identity theft: Make Safety an Open House Priority - 06/24/08 11:27 AM
By Gary Macrides
Prudential California Realty
An open house can be a great marketing tool, but it also means exposing your home and family to countless strangers. Don’t assume that every person who visits your home is an earnest, potential home-buyer. It’s important to take security seriously. Here are some common … (2 comments)
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identity theft: ID Theft Hits Home - 06/20/08 11:11 PM
ID Theft Hits Home
A growing number of crooks who steal your identity don't swipe your personal information to pilfer from your financial accounts.
They want to get their hands on your home and snatch it right out from under you.
Modern day malefactors are mindful of … (1 comments)
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identity theft: Micro-Mini Version of the Credit Restoration Consultants Hour - 06/18/08 07:05 AM
Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the micro-mini version of the Credit Restoration Consultants Hour with credit repair expert Bill Lewis. Are you unable to tune into Bill's regular show … (0 comments)
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identity theft: Don’t lose your identity while selling your home - 06/11/08 10:06 AM
I would say close to 90% of my sellers are going to be buyers after they sell, and I would say they all need a loan in order to get that new home. But, did you know that you may be putting yourself at risk of identity theft during this process … (14 comments)
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identity theft: Identity Theft - 06/10/08 07:49 PM
The purpose of life, after all, is to live it, to taste experience to the utmost, to reach out eagerly and without fear for newer and richer experiences.
- Eleanor Roosevelt
Protecting Yourself Against Identity Theft
Here are some useful tips to help reduce the risk of identity theft … (0 comments)
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identity theft: IDENTITY THEFT - Affects One Out of Six Canadians. - 06/10/08 01:49 PM
Recently I came across this article sent to me by a mortgage pro., I think it is very important issue and I would like to share it with you.
Here it is,
IDENTITY THEFT - Affects One Out of Six Canadians - 4.2 Million People
Identity theft has become an increasingly … (0 comments)
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identity theft: IDENTITY THEFT - Affects One Out of Six Canadians - 06/10/08 01:43 PM
I read this article recently sent to me from my mortgage professional. I found it very important and will like to share with you.
Here it is,
IDENTITY THEFT - Affects One Out of Six Canadians - 4.2 Million People
Identity theft has become an increasingly popular crime in Canada … (0 comments)
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identity theft: IDENTITY THEFT - Affects One Out of Six Canadians - 06/10/08 01:43 PM
I read this article recently sent to me from my mortgage professional. I found it very important and will like to share with you.
Here it is,
IDENTITY THEFT - Affects One Out of Six Canadians - 4.2 Million People
Identity theft has become an increasingly popular crime in Canada … (0 comments)
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identity theft: How to Beat the Debt Collector with Sample Cease and Desist Letter - 06/09/08 01:21 PM
Debt collectors are highly motivated to convince debtors to pay the debt because they frequently work on a low base pay plus commission. This business model has created the reputation for bill collection agencies that we know today.The collector might engage in threatening behavior and harassment. However, like any other business … (2 comments)
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identity theft: PROTECT YOUR CREDIT IDENTITY! Part one - 06/05/08 06:28 PM
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identity theft: Home Buying and Clean Credit - 06/02/08 11:07 AM
Many homebuyers often wonder if shopping for a home loan will affect their credit each time a lender pulls their credit report.
It's a logical question and the answer is no, but the credit checks need to be done in a short period of time for your credit not to be … (2 comments)
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identity theft: Mail Theft - 05/31/08 02:52 PM
Wow. What a crappy thing to have happen to you. Wednesday night/Thursday morning I woke up at 3am with that "something isn't right" feeling. Then I realized the time and thought I had a bad dream... or, perhaps it was just simply being awake at this time that "isn't right". That … (68 comments)
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identity theft: Fraud And Identity Theft Are Big Business - 05/30/08 06:21 PM
While doing loans in Sylmar and Van Nuys and California we attempt to educate where we can. Here are my thoughts regarding ongoing identity theft in Sylmar and Van Nuys.
Fraud in Sylmar, Van Nuys and California is increasing at an alarming rate and new ways to separate you from your … (2 comments)
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identity theft: How to Avoid Credit Hijacks from Mortgage Lenders and Protecting Your Privacy - 05/30/08 12:56 AM
Have you ever applied for a home loan with a trusted mortgage lender just to have some other mortgage company call you within minutes offering you the same loan?
If you have: You have been a victim of what I consider an unethical but legal practice in the mortgage industry called "Credit … (3 comments)
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identity theft: Another scam e-mail - 05/24/08 04:28 PM
The other day, I received yet another scam e-mail. It arrived via my AR contact address. This latest e-mail was worthy of a Shakespearean drama.
The protagonist's mother dies, when she is only 6 years old. She is lovingly raised by her father. Her father, a successful businessman, travels abroad, … (16 comments)
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identity theft: ID theft victim? - 05/19/08 04:43 PM
If you are a victim of ID theft, it it imperative that you call the 3 credit bureaus immediately to place a fraud alert on your file:
Equifax:
To report fraud, call: 800-525-6285 Experian - www.experian.comTo report fraud, call: 888-EXPERIAN (397-3742) Trans Union - www.transunion.comTo report fraud, call: 800-680-7289
… (0 comments)
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identity theft: PHISHING SCAM ALERT RE: IRS ECONOMIC STIMULUS REBATE - 05/15/08 10:50 AM
Please Alert Your Clients to This Email/Phone Scam
Last night I posted a version of this to get the word out fast but there were very few AR'ers online. I received the email below yesterday purporting to be from the IRS regarding how to collectmy IRS Economic Stimulus Rebate. IT IS A SCAM. Note … (2 comments)
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identity theft: PHONE/EMAIL SCAM RE: IRS Economic Stimulus - 05/15/08 12:26 AM
Please Alert Your Clients to This Scam
I received this email today purporting to be from the IRS regarding collecting my IRS Economic Stimulus Rebate. It is a scam. Note that the link listed does not even include www.irs.gov. I apologize for the poor resolution of the screen shot. (I'm still learning … (6 comments)
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identity theft: Great True Story About Identity Theft From Scambusters - 05/14/08 08:18 AM
Scambusters, ( http://scambusters.org ), is a great resource and in this month's newsletter they relayed a story from the San Francisco Chronicle on how an identity theft victim actually chased down the crook that had been going through thousands of dollars of her credit cards.
The downside is that … (0 comments)
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identity theft: Increased activity means what? - 05/12/08 03:46 PM
In many businesses sales managers say, "just increase your activity and you will see better results." Is that really true?
Of course that might work if you are doing the right activity. Just being merely active does not necessarily mean we will see good results. In fact the wrong activity done … (8 comments)
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identity theft: What's In Your Wallet? More Than You May Want! - 05/09/08 10:25 PM
If you were to stop what you were doing and give yourself 10 seconds to list everything in your wallet or purse, what would be on your list?Cash, driver's license, credit cards, debit cards, membership ID, a receipt or two and a subway card -- that's my list.If after making your … (6 comments)
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identity theft: How Long do Items Remain on Your Credit Report? - 05/05/08 04:44 PM
Credit Accounts:
Accounts paid as agreed remain for up to 10 years.
Accounts not paid as agreed remain for 7 years.
Collection Accounts:
Remain for 7 years.
The time periods listed above are measured from the date in your credit file shown in the "date of last activity" field accompanying the particular credit or collection account.
Courthouse … (2 comments)
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identity theft: How Long do Items Remain on Your Credit Report? - 05/05/08 04:43 PM
Credit Accounts:
Accounts paid as agreed remain for up to 10 years.
Accounts not paid as agreed remain for 7 years.
Collection Accounts:
Remain for 7 years.
The time periods listed above are measured from the date in your credit file shown in the "date of last activity" field accompanying the particular credit or collection account.
Courthouse … (1 comments)
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identity theft: Identity Theft – it can happen to you (or at least to your spouse) - 05/05/08 03:21 PM
I had read plenty of scary articles about identity theft, but until last week I had mostly rolled my eyes about the topic, figuring that the media was making a bigger deal of the situation than it actually warranted. But last week I started noticing some strange behavior in my … (4 comments)
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identity theft: A Few Simple Ideas To Help Avoid Identity Theft... - 05/04/08 12:10 PM
I have been finding info about avoiding Identity Theft in many different sources and I think these points do a great job of tightening up the laces so-to-speak to keep yourself out of trouble:
1. Get your Credit Report. A credit report can be obtained free, each calendar year, from all three … (5 comments)
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identity theft: How do Inquiries Affect Credit Scores? - 05/02/08 03:53 PM
FICO scores only consider inquiries iniated by you (when you were seeking credit) over the most recent 12-month period. FICO scores only consider inquiries from the last 12 months, although inquiries remain on your credit report for two years.
Federal law requires that all inquiries be kept on file for a period … (0 comments)
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identity theft: How do Inquiries Affect Credit Scores? - 05/02/08 03:52 PM
FICO scores only consider inquiries iniated by you (when you were seeking credit) over the most recent 12-month period. FICO scores only consider inquiries from the last 12 months, although inquiries remain on your credit report for two years.
Federal law requires that all inquiries be kept on file for a period … (0 comments)
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identity theft: Opt-Out of Pre-Approvals, Junk Mail, etc. - 04/30/08 05:21 AM
Good Morning!
I have had a few issues come up lately with clients that have involved either identity theft, in smaller ways - such as folks taking out cell phone accounts in their names to bigger ways such as Capital One doing a 'soft-pull' on a client 54 times in 2 … (9 comments)
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identity theft: Is It Worth Having an Identity Theft Insurance Policy? - 04/29/08 03:16 AM
With the prevalence of identity theft ever increasing, perhaps you’ve been thinking about getting more protection for yourself. Perhaps you’re considering on applying for an identity theft insurance policy so that you’ll have some assistance just in case you get victimized by identity theft. But what really is an identity theft … (1 comments)
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identity theft: Tell Tale Signs That You Are A Victim of Identity Theft - 04/29/08 03:14 AM
Identity Theft is the illegal possession and manipulation of a person’s personal information such as name, social security number, credit card number, driver’s license number, bank account number, address, phone number, and personal identification number (PIN).
It is estimated that each year 10 million Americans fall victim to crimes related … (0 comments)
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identity theft: Free Annual Credit Report - 04/28/08 10:18 AM
Do you know what's on your credit report?
Get your FREE ANNUAL CREDIT REPORT today!
Today, it is important to review your credit report on a regular basis, due to the increase in identity theft. If you are considering buying a home soon, it is important to know what info … (4 comments)
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identity theft: Add Value to Stand Out From The Crowd - 04/24/08 09:14 PM
Ask just about any business owner and they will tell you that it’s very competitive in their respective markets.
Doesn’t it seem that there are so many others out there just like yourself, vying for pieces of the same pie? When you really think of it, others in your profession … (0 comments)
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identity theft: Have you frozen your credit? - 04/18/08 11:02 AM
Protect Yourself Against Identity Theft
I just wanted to make sure everyone knows about freezing their credit. It is a great way to prevent identity theft. Before, in most states, you had to be a victim of identity theft to be able to freeze your credit. Now you just have … (4 comments)
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identity theft: Identity theft and what you can do about it. - 04/15/08 01:07 PM
These are some articles we though you may enjoy and share some valuable insight on identity theft.
State worker accused of identity theft remains jailed for now - Click here to read story
Imagine checking your bank account and finding out it's empty - Click here to read story
… (1 comments)
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identity theft: The Three D's of Identity Theft - 04/15/08 11:55 AM
Yes it's true. I'm getting older. I've been removed from high school for more than a decade and the last college course I took was in the 90's. However, I always try to learn something on a daily basis (and thanks to my fellow AR addicts, I do). While it has … (7 comments)
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identity theft: Featured in the CA Assn of Realtors magazine - April 2008 - ID Theft - 04/14/08 09:56 PM
Identity Theft threatens Realtors with laptop computers
This is so exciting, I was quoted as an ID theft expert in the April issue of California Real Estate magazine that JUST came in the mail today!!! The magazine is published by the California Association of Realtors http://www.car.org/ and is mailed to every … (2 comments)
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identity theft: Credit Tip of The Day!!!! - 04/14/08 02:52 PM
1. Payment history - what is your track record? 35 % of the score
2. Amounts owed - how much is too much? 30% of the score
3. Length of credit history - how established is yours? 15% of the score
4. New credit - are you taking on more debt? 10% of … (1 comments)
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identity theft: Justice For All - 04/13/08 04:21 PM
Today on the White House website (www.whitehouse.gov) I saw that April 13th through April 19th has been declared National Crime Victims Rights Week. There was a proclamation by the President Posted and I wanted to just take a moment to show my support and thanks to those who work as advocates, … (4 comments)
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identity theft: Craigslist Scam Hits FOR RENT Ads - 04/11/08 12:58 AM
We post our vacancies on Craigslist along with a lot of other companies and individuals in Sacramento, CA.
Last week I was contacted by a prospective tenant that wanted to know if the owner of the house we were renting was located in Africa. The prospect told me he responded to … (32 comments)
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identity theft: How Are Scores Calculated? - 04/10/08 09:44 PM
How Are Scores Calculated?
Your credit report is the basis of your FICO® score. The report details your credit history as it has been reported to the credit reporting agency by lenders who have extended credit to you, by court records and by you. The FICO score analyzes information from the trade line, … (0 comments)
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identity theft: Identity Theft - Too Close to Home - 04/08/08 12:01 PM
The other day, my wife and her sister went out shopping for my soon to be arriving nephew or niece (my sister-in-law is pregnant). When they got home, my sister-in-law realized that one of her debit cards were missing. I must have left it in the car she thought, so she … (5 comments)
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identity theft: security, security, security!!! - 04/04/08 03:42 PM
Thought I would share a recent experience that set me to thinking.... On a Sunday afternoon a couple of weeks ago I had occasion to show a couple of condos. Everything went fine but I was absolutely stunned by what I observed as the buyers toured the property. The sellers of … (7 comments)
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identity theft: Protect Yourself! - 04/04/08 03:06 PM
When selling a property it is imperative that your your home is as safe as possible. There are professional theives that contact agents to view homes. They obviously are not wanting to see these homes to purchase, but to see what type of items they can pick up.
They may have visited during an … (7 comments)
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identity theft: What Is Identity Theft? part 1 - 04/03/08 08:26 AM
*Identity theft occurs when someone uses your name, address, social security number (SSN). bank or credit card account number, or other identifying information without your knowledge to commit fraud or other crimes.
FTC's #1 Fraud Complaint is Identity Theft!2003- 215,093 complaints2004- 246,570 complaints
39% of complaints FTC received in 2004 related to ID theft
How … (1 comments)
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identity theft: Identity Theft: 5 Tips to Protect Your Privacy - 03/31/08 10:04 AM
… (3 comments)
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identity theft: Stop Identity Theft Day Saturday APRIL 19, 2008 Austin Texas - 03/30/08 10:33 AM
Stop Identity Theft
The City of Austin Texas is sponsoring a STOP IDENTITY THEFT day, Saturday APRIL 19,2008 from 7:30am-2:30pm. This is a great way to get rid of all that abundance of paperwork we all amass. You may bring up to 5 file boxes of paper records for shredding. Oh, did … (6 comments)
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identity theft: How Long do Items Remain on Your Credit Report? - 03/28/08 10:55 AM
Credit Accounts:
Accounts paid as agreed remain for up to 10 years.
Accounts not paid as agreed remain for 7 years.
Collection Accounts:
Remain for 7 years.
The time periods listed above are measured from the date in your credit file shown in the "date of last activity" field accompanying the particular credit or collection account.
Courthouse … (0 comments)
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identity theft: How Long do Items Remain on Your Credit Report? - 03/28/08 10:55 AM
Credit Accounts:
Accounts paid as agreed remain for up to 10 years.
Accounts not paid as agreed remain for 7 years.
Collection Accounts:
Remain for 7 years.
The time periods listed above are measured from the date in your credit file shown in the "date of last activity" field accompanying the particular credit or collection account.
Courthouse … (0 comments)
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identity theft: Identity Theft - What you can do... - 03/28/08 09:48 AM
An old topic, but worth repeating. This information comes directly from the US Postal Service. Century 21 used to have their own brochures on Identity Theft which we used to give out and it worked well -- now the Post Office is giving them out. Shredders make nice gifts....
What is identity … (4 comments)
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identity theft: Identity Theft Can Be a Bigger Problem than You Think - 03/25/08 01:48 PM
Pop Quiz. True or False. (Answers in the article)
1) 70% of Identity Theft is related to credit cards.
2) Identity Theft can cause injury or death to its victim.
3) Identity Theft can absolutely be prevented.
Thanks to cute commercials, most people think of identity theft as a financial nuisance … (3 comments)
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identity theft: How do Inquiries Affect Credit Scores? - 03/25/08 11:17 AM
FICO scores only consider inquiries iniated by you (when you were seeking credit) over the most recent 12-month period. FICO scores only consider inquiries from the last 12 months, although inquiries remain on your credit report for two years.
Federal law requires that all inquiries be kept on file for a period … (1 comments)
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identity theft: Even Our Children Need Data Privacy Education - 03/25/08 10:34 AM
Here’s the problem…
With the popularity of social networking sites such as Facebook and MySpace, it becomes increasingly imperative we teach our children about protecting private information about themselves and their families.
Sexual predators, pedophiles and identity thieves prowl these and other similar sites constantly. They are targeting our youth, seeking … (0 comments)
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identity theft: I can not help you if you are not truthful with me - 03/21/08 12:04 PM
I can not help you clean your credit
If you lie to me
If you can not document what you say
When we challenge an item on your report it becomes a "he said she said thing"
Now if you are not in a hurry and the item is old say like 5 years.... … (5 comments)
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identity theft: Do's & Dont's to Raising Your FICO Score - 03/20/08 11:31 AM
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (2 comments)
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identity theft: How Do Late Pays Affect Your FICO Score? - 03/19/08 11:11 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). In this simulation, the impact on the score due to missing a payment will depend on … (0 comments)
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identity theft: How Do Late Pays Affect Your FICO Score? - 03/19/08 11:10 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). In this simulation, the impact on the score due to missing a payment will depend on … (3 comments)
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identity theft: A Common Misconception? - 03/19/08 10:33 AM
"It is a common misconception that easy access to public records has facilitated other types of fraud, identity theft, or land fraud."
That's the assertion set forth in a white paper authored by members of the Property Records Industry Association entitled, "Privacy and Public Land Records: Making Practical Policy". PRIA, a self-described … (4 comments)
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identity theft: "Don'ts" To Raise Your FICO Score - 03/14/08 03:52 PM
DON'T:
· Don't close unused credit cards as a short-term strategy to raise your BEACON®, FICO® and EMPIRICA® score.
· Don't open a number of new credit cards that you don't need, just to increase your available credit. This approach could backfire and actually lower your BEACON®, FICO® and EMPIRICA® score.
· If you have been … (1 comments)
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identity theft: "Do's" to raise your FICO Score! - 03/14/08 03:51 PM
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (0 comments)
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identity theft: "Don'ts" To Raise Your FICO Score - 03/14/08 03:49 PM
· Don't close unused credit cards as a short-term strategy to raise your BEACON®, FICO® and EMPIRICA® score.
· Don't open a number of new credit cards that you don't need, just to increase your available credit. This approach could backfire and actually lower your BEACON®, FICO® and EMPIRICA® score.
· If you have been … (1 comments)
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identity theft: "Do's" to raise your FICO Score! - 03/14/08 03:48 PM
Pay your bills on time. Delinquent payments and collections can have a major negative impact on your BEACON®, FICO® and EMPIRICA® score. · If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your BEACON®, FICO® and EMPIRICA® score.
· If you are having … (3 comments)
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identity theft: Identity Theft - 03/13/08 05:33 PM
One of the very best ways to avoid identity theft is to purchase a good quality shredding criss cross cutter. I have heard that if you just use the single shredder certain, knowledgeable people can paste items back together and utilize them and steal your identity. Basically everything that has any personal … (1 comments)
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identity theft: High Credit Card Balances and FICO Scores - 03/13/08 01:53 PM
Carrying extremely high balances on all revolving accounts can make one look "maxed out" on available credit. It is often considered a high-risk trait by lenders and the FICO score. Tthe impact on the FICO score depends on how high the current balances are on revolving accounts. If high balances are carried, … (0 comments)
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identity theft: High Credit Card Balances and FICO Scores - 03/13/08 01:52 PM
Carrying extremely high balances on all revolving accounts can make one look "maxed out" on available credit. It is often considered a high-risk trait by lenders and the FICO score. The impact on the FICO score depends on how high the current balances are on revolving accounts. If high balances are … (3 comments)
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identity theft: How Bad do Late Pays Affect Your FICO Score? - 03/13/08 10:11 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (2 comments)
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identity theft: How Bad do Late Pays Affect Your FICO Score? - 03/13/08 10:10 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (1 comments)
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identity theft: Late Pays, How they Affect Your Credit Score - 03/12/08 11:14 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (1 comments)
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identity theft: Late Pays, How they Affect Your Credit Score - 03/12/08 11:12 AM
FICO scores evaluate late payment information in a variety of ways - in terms of the frequency of missed payments, the recency of the missed payments, and the level of delinquency (how late the payment is). The impact on the score due to missing a payment will depend on the current … (0 comments)
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identity theft: How Revolving Accounts Affect the FICO Score - 03/12/08 09:26 AM
How revolving accounts (credit cards, department store credit cards, revolving lines of credit) are managed is heavily weighted in the FICO score. FICO scores evaluate revolving accounts in a variety of ways, including comparing balances to available credit, as well as looking at the number of accounts with a balance. A … (0 comments)
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identity theft: How Revolving Accounts Affect the FICO Score - 03/12/08 09:26 AM
How revolving accounts (credit cards, department store credit cards, revolving lines of credit) are managed is heavily weighted in the FICO score. FICO scores evaluate revolving accounts in a variety of ways, including comparing balances to available credit, as well as looking at the number of accounts with a balance. A … (1 comments)
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identity theft: Don't Fall Prey into Tax "phishing" - 03/11/08 03:46 PM
Heed the Warning! Don't fall victim to "phishing" traps, where the internet criminal tries to steal your information by using the tax season to prey on unsuspecting consumers.
Please pass this information onto your friends, family & relatives. Internet Users need to be on guard, watching out for the new breed … (0 comments)
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identity theft: FICO Scores, The 5 Most Important Factoring Reasons - 03/10/08 03:28 PM
What Affects Your FICO Credit Score and What You Can Do About It Your FICO credit score is a measure of your credit rating - calculated from data contained in your credit report. Most lenders base their credit decisions (at least in part) on this score. Generally, the higher your score, … (0 comments)
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identity theft: FICO Scores, The 5 Most Important Factoring Reasons - 03/10/08 11:58 AM
What Affects Your FICO Credit Score and What You Can Do About It Your FICO credit score is a measure of your credit rating - calculated from data contained in your credit report. Most lenders base their credit decisions (at least in part) on this score. Generally, the higher your score, … (2 comments)
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identity theft: The Fight Against Identity Theft in Missouri - 03/07/08 12:40 PM
The Fight Against Identity Theft in Missouri
I recently attended The Capitol Conference in Jefferson City, Missouri. This is an annual conference where Realtors are able to meet the Representative for our District. We are given the opportunity to talk with that person about concerns we have as citizens living in the … (4 comments)
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identity theft: FREE SHREDDING OF PERSONAL DOCUMENTS - 03/07/08 08:20 AM
For those of you in the Charlotte area on Saturday, Shred-It is hosting another privacy party for you to safely rid yourself of hard-drives, documents and other personal items. For further information you may call: (704) 424-5997 WHERE: 1500 N. Graham Street BUSINESS: COMPU-TEL HOURS: 9a-1p Please only 2-3 … (1 comments)
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identity theft: Homebuyers Thwarted by Identity Theft, they can protect themselves - And Should! - 03/05/08 01:24 PM
Identity theft is the fastest growing crime in America and most of us are doing nothing to protect ourselves from its devastating consequences!
As a mortgage professional I consistently see victims of financial or credit identity theft. It haunts many, many people and disturbs or completely thwarts the home buying or refinancing … (0 comments)
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identity theft: 7 Things You Can Do to Protect Your Identity - 03/04/08 09:53 AM
By managing your personal information carefully and sensibly, you can help guard against identity theft. Here are some simple precautions that can help keep your information safe:
1. Disclose your Social Security number (SSN) only when it is absolutely necessary. Don't have your Social Security number printed on your checks and … (9 comments)
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identity theft: FICO Scores, The 5 Most Important Factoring Reasons - 03/03/08 10:57 AM
What Affects Your FICO Credit Score and What You Can Do About It Your FICO credit score is a measure of your credit rating - calculated from data contained in your credit report. Most lenders base their credit decisions (at least in part) on this score. Generally, the higher your score, … (0 comments)
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identity theft: Practical Obscurity and Public Records - 03/02/08 12:12 AM
It used to be that if you wanted to obtain a copy of the deed to your house, you had to make a trip to your local courthouse, enlist the aid of a clerk in the Recorder of Deeds' office to assist you in searching through those old, dusty canvas books, … (7 comments)
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identity theft: E-mails From the IRS? Be Skeptical - 03/01/08 01:09 AM
E-mails From the IRS? Be Skeptical
Have you ever received an e-mail that promises you an additional tax refund? In one day, I received six of them, each with a higher amount than the last. Unsuspecting people may fall for such a gimmick and unwittingly start providing the sender with personal … (8 comments)
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identity theft: Ways to Improve Your FICO Score - 02/29/08 02:20 PM
Learn what your current FICO Credit Score is and what appears on your credit report.
Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
Try and keep your total account balances as low as possible. High outstanding debt may … (1 comments)
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identity theft: Ways to Improve Your FICO Score - 02/29/08 10:15 AM
Learn what your current FICO Credit Score is and what appears on your credit report.
Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
Try and keep your total account balances as low as possible. High outstanding debt may … (1 comments)
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identity theft: Ways to Improve Your FICO Score - 02/29/08 08:36 AM
Learn what your current FICO Credit Score is and what appears on your credit report.
Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
Try and keep your total account balances as low as possible. High outstanding debt may … (2 comments)
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identity theft: FICO Scores, The 5 Most Important Factoring Reasons - 02/28/08 09:35 AM
What Affects Your FICO Credit Score and What You Can Do About It Your FICO credit score is a measure of your credit rating - calculated from data contained in your credit report. Most lenders base their credit decisions (at least in part) on this score. Generally, the higher your score, … (1 comments)
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identity theft: WOW! The Feds are Going to Cut Interest Rates Again - 02/27/08 04:34 PM
AP
Wednesday February 27, 3:28 pm ET By Jeannine Aversa, AP Economics Writer Bernanke Says Fed's Priority Is Shoring Up the Economy, Pledges to Cut Interest Rates The central bank started lowering a key interest rate in September. Over just eight days in January, the Fed shaved 1.25 percentage points, the biggest … (3 comments)
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identity theft: Ways to Improve Your FICO Score - 02/27/08 01:27 PM
Learn what your current FICO Credit Score is and what appears on your credit report.
Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
Try and keep your total account balances as low as possible. High outstanding debt may … (3 comments)
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identity theft: Ways to Improve Your FICO Score - 02/27/08 08:57 AM
Learn what your current FICO Credit Score is and what appears on your credit report.
Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.
Try and keep your total account balances as low as possible. High outstanding debt may … (7 comments)
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identity theft: 7 Things You Can Do to Protect Your Identity - 02/26/08 01:20 PM
By managing your personal information carefully and sensibly, you can help guard against identity theft. Here are some simple precautions that can help keep your information safe:
1. Disclose your Social Security number (SSN) only when it is absolutely necessary. Don't have your Social Security number printed on your checks and … (5 comments)
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identity theft: Beware of this Identity Scam - 02/25/08 04:54 PM
Watch out the this identity scam that they are now using. It seems once a week or so I get an email regarding these losers tricks! Remember, Never EVER give your info to anyone, no matter what. If they are persistant or sound imtimidating, tell them to send proof or even … (0 comments)
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identity theft: Don't call me....I'll call you! - 02/25/08 02:04 PM
Do you find yourself with "too much information?" Are you wanting to put a stop to all the items you didn't ask for, don't need, don't want and really don't care about?
Would you like to receive less...
JUNK MAILTELEMARKETING CALLSSPAM BY EMAILWould you like to protect yourself...
IDENTITY THEFTENTERING A SWEEPSTAKESSHOPPING BY MAIL … (0 comments)
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identity theft: Some Folks Just Don't Get It - 02/25/08 12:52 AM
Ed Rybcyznski posted an entry on his Title-Opoly blog about a piece in phillyburbs.com by Jenna Portnoy in which she interviews Fran Gaspari of Patriot Land Transfer and brings attention to the practice of online title searching. While Ms. Portnoy does an admirable job of reporting on the outsourcing angle, I thought the … (10 comments)
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identity theft: Identity Theft And Terrorism Off Shore...Heads Or Tails!!! - 02/23/08 02:49 PM
Bouncing back and forth between Active Rain and Title-opoly, Ed Rybczynski's fabulous web site where hard core title issues are openly discussed, sometimes ad nauseum, a very important matter came to my attention...a matter which requires swift and immediate action.
We constantly post about and read about the deplorable conditions which … (16 comments)
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identity theft: Identity theft is a serious crime!!! - 02/21/08 09:10 AM
Your identity can be stolen at any time. This can destroy your credit and ruin your name. It can also cost you a lot of time and money to get it straightened out.
Here are a few things to keep in mind.
Don't use password that are obvious.Like your last name, SSN or some … (14 comments)
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identity theft: Identity Theft: Top Complaint by Consumers - 02/21/08 07:24 AM
Have you thought about Freezing your credit report? Well you can! You can "Freeze" your credit report to prevent Identity Theft.
Freezing your report isn't for everyone, especially if you are buying something as it will delay any new credit you may need. If you don't suspect you will be needing access to … (9 comments)
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identity theft: CREDIT CHECK - 02/20/08 12:05 PM
It's that time again! Time to check your credit.
In order to purhcase a home and get a loan there are a few things you will need to line up. Your credit history will be ran, so it is imporant you manage your accounts properly. A higher FICO score means you can get a … (0 comments)
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identity theft: Pennsylvania: Identity Theft Protection - 02/17/08 10:52 PM
The Pennsylvania state government is actively developing and implement laws to protect the local individual against identity threats. Just as with the federal government, the state government is focusing on making it harder to illegally obtain identity information by requiring users and holders of identity information to maintain proper protection procedures. Pennsylvania passed tougher laws which went into … (0 comments)
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identity theft: New Jersey Identity Theft Protection - 02/16/08 08:56 PM
The New Jersey state government is actively developing and implement laws to protect the local individual against identity threats. Just as with the federal government, the NJ state government is focusing on making it harder to illegally obtain identity information by requiring users and holders of identity information to maintain proper protection procedures. New Jersey … (0 comments)
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identity theft: Why Don't Some Professionals Offer Consumers Sound Advice? - 02/16/08 10:18 AM
Earlier this week I received a call from a first-time home-buyer wanting to revisit the possibilities of a home purchase. This client had contacted me about 6 months ago and we had a general discussion about their personal circumstances....they were "credit challenged" then and still are now. While I recalled their names … (45 comments)
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