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Apply For A Credit Card Merchant Account Online
Who should apply for a credit card merchant account online? Why,
you should, of course, if you want to grow your business and
maximize sales volume! In this day and age, more and more
business functions are moving into cyberspace, which means...
Bad Credit Loans - Much Needed Money in the Most Testing Times
For people who do not know much about bad credit, it will often
be incomprehensible as to why a financial product has been
devoted solely to cater to the class. Nonetheless, the
proportions that bad credit people constitute of the...
Five Tips To Build Your Credit Today
If you’ve recently paid off a lot of debt, you may be wondering where to go from here. Maybe you went through a divorce and got stuck with a lot of high interest credit card debt, or got behind on your payments after a job layoff. Whatever the...
How to Find the Right Credit Card for You
Credit cards are a great way to manage your spending and to buy the things you want, without having to wait. But it's important to find the right card so that it works for you.
There are a number of things to consider when looking for the right...
How to Write a Credit Policy for your Business
A new book says it’s different for every business. According to a new book by Michelle Dunn, writing a credit policy is a daunting task but if you don’t have one, it can cost you sales. The book, “Become the Squeaky Wheel,” by New Hampshire author...
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Protect Your Credit
Protect your Credit
Because identity theft and credit card fraud are among the
fastest growing crimes in the U.S., there are several steps you
should take immediately if your credit card becomes lost or
stolen, or if you find bills in your mail that you do not
recognize or charges you did not authorize.
The first step you should take is to initiate a fraud alert on
all your credit card accounts. There is a common misconception
that doing this will prevent you from obtaining any further
credit cards or financing. This is simply untrue. What a fraud
alert will do is require creditors to contact you by telephone
before any new accounts are opened in your name. It will also
require creditors to contact you by telephone before making any
requested changes to any existing accounts, such as increasing
your line of credit.
To place a fraud alert on your accounts, contact any one of the
three major credit bureaus:
Equifax: 1-800-525-6285
Experian: 1-888-EXPERIAN
TransUnion: 1-800-680-7289
The credit bureau you contact will then contact the remaining
two bureaus and all three will send you a current copy of your
credit report, free of
charge. When you receive these reports,
look them over carefully. Note any accounts you didn't authorize
or debts you don't recognize. Also check that all your personal
information, such as name, address, and Social Security number
are correct. If any incorrect or fraudulant information is
found, contact the credit bureau to have it removed. Then
continue to check your credit report on a regular basis to
insure no further fradulant activity is found.
After initiating a fraud alert, you should then immediately
close any accounts you think may have been violated and submit
an ID theft affidavit to the credit card companies in question.
You should then file a police report with your local police
department and also file a case with the Federal Trade
Commission.
Identity theft is a federal offense with stiff penalties for
those who dare to attempt it and are caught. Take steps to
protect your credit and prevent yourself from becoming a victim
of this very serious crime.
About the author:
Karyn Kudrna is owner of the website www.credit-123.com which
offers information on low
interest credit cards
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