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Will You Add? - New Strategies If You Are a Victim of Identity Theft
Personal bankruptcy? Kiss your dream job good bye...For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers. After all, we don't want criminals working in the government (insert your favorite joke here). But now, the "Credit Police" are infiltrating other industries as well.And what really irks me is, they don't have the guts to just come out and say "We don't want people with bad credit working for us." No, instead they're usin
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance y
There are many students and graduates out there that are struggling with paying for their student loans. Often times, these people have heard of refinancing student loans in order to make their payments lower and more manageable. But before you consider refinancing student loans, there are some things you should first consider. Let this be your guide to the truth about refinancing student loans.Refinancing student loans often seems like a good idea. In fact, refinancing student loans is a good idea, if you use it to your advantage
You will most likely discover that your identity has been stolen when you receive a collection phone call from a credit card company or a vendor. You may also become aware of the theft when you see bogus charges on your credit card statement.
Your first action must be to obtain copies of your credit reports from all three national credit bureaus - Equifax, Experian and Trans Union. Credit reports are available to you at no cost by mail or on-line, but often you have to wait 10 to 15 days for the free reports. Given the importance of speed, you should be prepared to spend the $15 each for a credit report.
Do not use one of your current credit cards to order a credit report. Since you will be canceling all of your credit cards, you will not want any legitimate new charges to appear. Instead, use a friend or relative's credit card to purchase your credit reports.
Once you have credit reports in hand, you should call each and every credit card lender to notify the lender that you have been a victim of identity theft, to request a cancelation of your card and to request the reissue of a replacement card with a different number.
You should create an "identity theft" notebook, with one page dedicated to each lender. Every time you speak to a lender, log your call and the name of the individual with whom you spoke. Also, ask the customer service representative for a mailing address and direct phone number for the identity fraud unit.
After ever substantive call with the credit card company, you should send a follow-up letter - preferably to a specific person. Mail should be sent return receipt requested.
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance y
If you’re new to affiliate marketing, or if you’ve been doing it awhile but you aren’t making any money, you might be making one of these big mistakes in your business. What follows are three of the biggest mistakes I see affiliates making as I cruise the net, and some solutions for creating a better website that converts more visitors into paying customers.The first big mistake many affiliates make is building an amateurish or downright ugly website. There are design principles that you must follow when you build your website to achieve
Do not use one of your current credit cards to order a credit report. Since you will be canceling all of your credit cards, you will not want any legitimate new charges to appear. Instead, use a friend or relative's credit card to purchase your credit reports.
Once you have credit reports in hand, you should call each and every credit card lender to notify the lender that you have been a victim of identity theft, to request a cancelation of your card and to request the reissue of a replacement card with a different number.
You should create an "identity theft" notebook, with one page dedicated to each lender. Every time you speak to a lender, log your call and the name of the individual with whom you spoke. Also, ask the customer service representative for a mailing address and direct phone number for the identity fraud unit.
After ever substantive call with the credit card company, you should send a follow-up letter - preferably to a specific person. Mail should be sent return receipt requested.
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance y
There are many, many reasons to attend networking events. Here are my Top 10:1. To increase your visibility.Establishing top of mind awareness is critical in any marketing campaign, and make no mistake about it, attending business networking events is a key marketing strategy if done properly. One of the most important elements—and one of the most overlooked—to getting the biggest bang for your networking buck is to make sure your face and your message get in front of the same—and the right—people on an ongoing basis.
Once you have credit reports in hand, you should call each and every credit card lender to notify the lender that you have been a victim of identity theft, to request a cancelation of your card and to request the reissue of a replacement card with a different number.
You should create an "identity theft" notebook, with one page dedicated to each lender. Every time you speak to a lender, log your call and the name of the individual with whom you spoke. Also, ask the customer service representative for a mailing address and direct phone number for the identity fraud unit.
After ever substantive call with the credit card company, you should send a follow-up letter - preferably to a specific person. Mail should be sent return receipt requested.
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance y
Have you ever seen the movie “Office Space?” If you have worked in any facet of corporate America and haven’t seen it, I encourage you to do so. It is a comedy about a guy who rises up to rail against the hopelessly corporate fictional enterprise, Initech. The cast of characters includes the boss who always wants you to work overtime, the employee with too many bosses, two clueless consultants and one character who just wants his “stapler” back. As outrageous as the film’s plot is, it does reveal some of the secrets to getting ahead in the corpo
After ever substantive call with the credit card company, you should send a follow-up letter - preferably to a specific person. Mail should be sent return receipt requested.
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance y
Here are 10 places where you can find bargain priced merchandise for your Ebay Selling Enterprise:Ebay Selling Tip #1. Flea MarketsFlea markets are great places to find cheap merchandise. Depending on where you live, you can find one or more great flea markets during the warmer months. Check your local paper for advertisements for local flea markets or look in the Yellow Pages.Ebay Selling Tip #2. Yard SalesAnother great place to find cheap merchandise is at yard sales. Most yard sale
Non-credit card lenders such as mortage lenders, car loan lenders, furniture and jewlerly lenders and student loan lenders should also be notified about the identity theft. These lenders should be put on notice so that you reduce your chances at suffering adverse interest rate consequences in the future. Request that these non-credit card lenders issue you a new loan number. The more distance you can put between your existing account numbers and your post-identity theft existence the better.
You will discover that many affected lenders will ask for a police report. You should therefore be prepared to file a police report in your jurisdiction reporting the identity theft crime. Keep a copy of this police report handy as you will be sending out copies on a regular basis.
A lesser known, but valuable tool in your response to identity theft can be a public records search. In my law office, we use the Lexis-Nexis service to run a public records search on our consumer bankruptcy clients. You will find that many consumer bankruptcy lawyers in your area also subscribe to Lexis-Nexis - most would be happy to run a public records search for you at a minimal charge or for free.
Recently, a physician colleague of mine asked me for assistance when he discovered that his identity had been stolen. When I ran a Lexis-Nexis search, I discovered that the bogus charges made in his name all came from a small city in Texas. It turned out that the identity thief had used his own address for a product delivery and using Lexis-Nexis, I was able to cross check the address to produce a name. While I cannot be sure that the individual living at this address was the identity thief, we at least had a lead.
More importantly, I was able to advise my client to file a second police report in the Texas city and to provide the Texas authorities with a copy of the Lexis-Nexis report.
Because identity theft can follow you for months of years, you should be prepared to obtain copies of your credit reports at least every three months for the next 18 months to two years. Every time you see a derogatory entry arising from the identity theft you need to w
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