How to Prevent Identity Theft in 8 Ways

The nightmare of identity theft begins! Have you been pursued by your lenders to pay for past-due bills that you never made? Or even worse, recieved a letter in the mail from a finance company threatening legal action if you don’t pay a debt? Odds are, you have become a victim of identity theft. By 2006, there were over 8.8 ...

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Understanding Credit Scores made easy

Understand Your Credit Score

Why Do We Have Credit Scores? Before moving onto understanding a credit score or a credit report, it is important to understand why we have these in the first place. Credit, or loans in general, are approved based on an individual / entity’s ability to repay that loan along with interest, if we’re talking about traditional banking / lending. So ...

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Do Not Let Identity Theft Ruin Your Summer Vacation

vacation identity theft

  Summer is a Prime Season for ID Theft Did you know that identity theft peaks at certain times of year and there are predictable, cyclical patterns to when ID theft will most likely occur? One of the times of year when you should be extra vigilant about protecting your personal and financial information is summertime. When people go on ...

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Guide To Finding Good Credit Repair Services

Get rid of bad credit

Advertisements on various types of credit repair services can be found everywhere. The fact that a lot of people need help or advice in rebuilding their credit history and credit score has brought about the emergence of companies or agencies offering credit repair services. How can you protect yourself against such companies? Consider these reminders.

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Using Debt Management To Avoid Bad Credit

Do it yourself

Debt Management begins with first assessing the situation.  Grab a notebook and start keeping track of your spending.  This will be your debt diary, much like a food diary dieters use.   After a week or two, look thru your debt diary and start looking for things you can cut back on.  The goal is to try to start paying down ...

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