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Adam — Sun, 09 Oct 2011 03:02:24 +0000

Credit Report – How Do Late Payments Affect My Credit Report And Score?

Of course you don’t want to make any late payments on your credit cards or loans and affect your credit report and score unless you absolutely have to, but what happens if you’re unable to avoid it? It all depends on whether you’re 30, 60 or 90 days past due. If it’s only one late payment you may be able to dispute it and get it removed from your credit report but if it’s more than one that may be difficult to do. And it depends on whether it’s currently past due or long term past due, and other factors.

Understanding how FICO credit scoring works for late payments will help you avoid late payments and understand which late payments will show up for the long term and which payments won’t.

Put simply, FICO credit scores are used by credit card companies, loan and mortgage companies, utility and insurance companies etc., to predict how reliable you’ll be as a customer and how much they can trust you make the payments.

If you’re 30 days late on a payment it will affect your credit score only when it’s reported to the credit bureau. The same applies to 60-day late payments. However these are considered short term and may not cause any lasting damage to your scores. If this happens over and over then this will not be the case. Also a one time late payment of 30-60 days may never be reported to the credit reporting agency. You can avoid a lot of worry by finding out if the creditor reports a currently 30 or 60-day late payment or not. Many do not.
If you’re 90 days late it’s another matter. This can damage your credit report and score for seven years, unless you can get it removed. If it was in error or you had some special circumstances and your credit history has been good then it is worth a try by writing a letter to the credit report company. The three main credit bureaus are Experian, Equifax and Trans Union.

Credit card companies and other creditors look at 90-day or 120-day late payments as a red flag. They can no longer trust you to make your payments on time so your credit score will go down. Their purpose is to determine whether you’ll be able to make your payments on time or at least before 90 days have passed. It doesn’t matter if the payment was for $25 or $1000, they will look at it the same way.

Also sometimes late payments may cause a rise in the interest rates on your credit cards.

If you can avoid making any late payments you’ll dramatically improve the scores on your credit report. And if you haven’t gotten your copy of your personal, annual, free credit report online yet then get one now. Study it and then find out how your current creditors look at late payments. Call them up and find out if they report a 30 or 60-day late payment to the credit reporting agency.

Best of all find some emergency ways to completely avoid making any late payments. Try making your payments online a few days early to avoid payments getting lost in the mail. If at all possible find things you can sell or do some small part-time work from home and try to make a small emergency fund.

Do anything you can to avoid making a late payment. But if it happens, make it as soon a possible so it doesn’t go into a 90-day problem. Ninety days is the point where it’ll be difficult to turn things around and seriously affect your credit report and score and future borrowing opportunities. It’s best to spend a little time learning about credit reports, how you can fix or repair your credit report and scores now and how you can raise your credit scores fast. You may be doing some things you had no idea would cause your scores to drop.

About the author: For more tips and secrets and find out how to get a free credit report online instantly, fix your own credit and get help with credit disputes. Get lots of tips, advice and help from a caring credit expert. Get free credit repair info – go to http://www.FreeCreditReportInstantOnline.com

Source: http://www.articlesbase.com/credit-articles/credit-report-how-do-late-payments-affect-my-credit-report-and-score-541919.html

How Identity Theft Monitoring Can Guard Users from Online Identity Theft?

Adam — Thu, 26 May 2011 02:43:37 +0000

How Identity Theft Monitoring Can Guard Users from Online Identity Theft?

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How Identity Theft Monitoring Can Guard Users from Online Identity Theft?

By: Joy Mali
Posted: May 16, 2011

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Similar to any activity, protecting users’ identity online is significant for the future of the internet economy. Unfortunately, as we learn every single day, being smart is not enough to guard yourself from dangerous online scams or deceitful identity theft. So what can be done?

As the crime continues to grow, it is vital for both the new and experienced internet surfers to take extra preventive identity theft measures to protect themselves from falling victim to the hushed crime of online identity theft. Rather than just sitting there and hoping that it will never happen to you, perhaps you should consider employing the help of identity theft monitoring services.

How online theft monitoring services can monitor identity theft?

Uncover – Theft monitoring services uncover public social information along with private personal information found online. They also perform deep, private web scans to disclose both old and new information online.

Alert – After uncovering private data, these services alert the user about privacy changes made on social networking sites, send fraud alerts and internet scan alerts if too much personal information is shared online such as social security number, credit card number, address, phone number.

Take Action – After the alerts, these services ask you to take action to remove your personal information from additional sites, adjust/update Facebook privacy, delete old unused social accounts and DNC, DMA and credit offers.

Major Features of Identify Theft Monitoring Services:
Online monitoring services help you see what personal information is publicly available online.
Customize what private information you want to monitor and protect.
Assess your risk of identity theft with an identity theft score.
Such services help detect misuse of your identity as early as possible
Register your phone number with national do not call list to stop unwanted calls
Stop unwanted catalog and mail spam
Enable browser privacy using easy to install plug-ins and cookie removal tools

Always remember that the key to minimize the distressing damages of online identity theft is to grab hold of the identity thieves early, and one of the top ways to spot early signs of online identity theft is to monitor identity theft with an effective identity theft monitoring service.

Joy Mali – About the Author:

Enroll with MyID and monitor identity theft in real time. MyID keeps an eye on your financial privacy on the internet and alerts you when your identity is at risk. Visit www.myid.com and get more info on identity theft protection.

Source: http://www.articlesbase.com/email-articles/how-identity-theft-monitoring-can-guard-users-from-online-identity-theft-4774355.html

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Article Tags:
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What’s the difference between an online credit check and using an agency?

Adam — Thu, 26 May 2011 02:09:12 +0000

What’s the difference between an online credit check and using an agency?

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Home Page > Finance > Real Estate > What’s the difference between an online credit check and using an agency?

What’s the difference between an online credit check and using an agency?

By: Amy Choi
Posted: Apr 22, 2010

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When you are deciding which route to go down, online referencing or using an agency you may want to ask yourself a few questions and really think about the two processes involved in each.

Online tenant screening involves credit checking and screening tenants with references before you accept them into your property. Online services mean you can do this yourself, at work, in your own home as long as you have an internet connection. Tenant screening through an agency will bring the same information but you will be employing a middleman to do the work for you. So which one is better??

Lots of people say they use agencies as they don’t have to worry about it – but often you will have to wait a couple of days before you have your results. As you are using the services of a person, who has to be paid then costs are higher in obtaining the reference and credit check. The person who does the checks hasn’t met the tenant like you have, but will give a pass or fail to them based on paper.

Online tenant screening is an ideal way to put yourself in control of the screening process- so you can see all results and decide yourself if they are right for your property. The misconception is that tenant checking is time consuming, but with online systems they are as quick as ever. You can gather a credit check for your tenant in a few minutes and see all details of their financial history and there past addresses for three years. Just pop in the information and click to run a check. You can do this on the move, and store all result in the system so they are easily accessible whenever you need them.

Online tenant screening is faster and more convenient that using an agency to do exactly what you can do yourself.

Source: http://www.articlesbase.com/real-estate-articles/what039s-the-difference-between-an-online-credit-check-and-using-an-agency-2206907.html

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Online “Inheritance” Scams?

Adam — Thu, 19 May 2011 11:07:02 +0000

Question by chocolahoma: Online “Inheritance” Scams?
Does anyone know an email address for the FBI or another investigating agency to whom I can forward these scam e-mails?

You know the ones. The claim to be the executor of some multi-million dollar estate, and want to name the recipient as the next-of-kin and wire the money… blah blah blah.

Its really an identity theft scam, and I’m tired of seeing it. I the Postmaster General or the FBI to go after these people. Any ideas where to send the evidence?

Best answer:

Answer by mtibs327
http://www.ic3.gov/

http://www.fbi.gov/contactus.htm

Know better? Leave your own answer in the comments!

10,000 Reported Complaints and Rising – Online Identity Theft is a Growing Concern Among Canadians

Adam — Thu, 12 May 2011 19:39:25 +0000

10,000 Reported Complaints and Rising – Online Identity Theft is a Growing Concern Among Canadians

Toronto, Ontario (PRWEB) July 9, 2009

The information superhighway is granting potential thieves access to our personal information. Canadians need to beware and informed; rather than fall victim to online identity theft. Hundreds of thousands of Canadians engage in online transactions on a daily basis, unaware that identity theft can happen at several points of online contact.

“Without considering the potential long term implications of having their identity stolen, Canadians can jeopardize their financial wellbeing,” according to Jeffrey Schwartz, Executive Director of Consolidated Credit Counseling Services of Canada Inc.; a non- profit credit counselling agency that has helped people recover from these very same issues.

To help, Consolidated Credit offers tips on maintaining personal identity and financial information safety:

Keep it to yourself

Keep detailed records of all online activity involving the use of your personal and credit card information.

Be Alert and aware

Investigate the website and its providers before leaving any personal or financial information; Look for security logos on the website (PayPal / Verisign). Be sure to monitor kids’ activities online; children are often targets of online predators.

Use online security measures

Firewalls and Anti-Virus programs are a good investment; keeping information safe and secure.

Clear your computer before recycling

Clear files that contain any personal or financial data; thieves thrive on this information.

Seek help and report fraud to authorities

Stop all payments to websites that contain your information. Notify your banking institution immediately, change passwords right away and report the incident to the PhoneBusters National Call Centre.

Consolidated Credit Counseling Services of Canada Inc.’s mission is to help people end financial crisis and solve money problems through education and professional counseling. For more information and resources on identity theft and how to protect yourself, visit http://www.consolidatedcredit.ca

###

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Three Major Ways to Save Yourself from Online Identity Theft

Adam — Thu, 12 May 2011 19:35:10 +0000

A crime that happens every two minutes, online identity theft is among the worst things that can happen to anyone at any time by ruining their credit card score and destroying their financial reputation for many years to come.With the expansions in technology, the strategies used by the computer hackers and identity thieves are getting more and more advanced. It is important for regular internet users to take safety measures for identity theft protection and monitor identity theft regularly.

Three major ways to save yourself from online identity theft are:

Deter Identity Theft
Detect Identity Theft
Defend Against Identity Theft

To deter identity theft, it is important to be vigilant with any personal and financial information and do not give thieves a way to get your personal and financial data. Follow these simple steps to deter identity theft online:

Do not use any website unless it is encrypted.
Secure your financial information under lock and key.
Use secure computer methods to deter identity theft.
Change your passwords every month and use a secure password

The second step is to detect identity theft if it occurs to save yourself from additional complications. The more quickly you identify online identity theft, the simpler it is to limit the damage to your pocket. Several ways to detect online identity theft are:

Monitor your credit card report in case you receive unexpected bills for items you did not purchase.
Place fraud alerts to your bank and discontinue your credit card transactions immediately.
Keep your personal information such as address, phone numbers, full name and email id private.
Above all, take action immediately.

Lastly, the saying “prevention is better than cure” fits perfectly if you want to protect against identity theft. The best way to prevent and check for online identity theft is to enroll in an identity theft monitoring service. Such services can take care of all major facets needed to protect you from online identity theft such as monitoring of your social security number and public records, automatic fraud alert placement, stop unwanted catalog and mail spam and alert you whenever your personal private information is public.

While it is almost impossible for everyone to avoid each instance of online identity theft, the above mentioned steps will go a long way toward identity theft monitoring, credit report monitoring, and your personal finances.

Enroll with MyID, get identity theft alerts and protect against identity theft in real time. MyID keeps an eye on your financial privacy on the internet and alerts you when your identity is at risk. Visit www.myid.com and get more info on identity theft protection.

Article from articlesbase.com

How Do You Perform A Company Credit Check Online?

Adam — Thu, 12 May 2011 19:26:12 +0000

With the current economic climate demanding tighter payment terms and more visibility over your clients ability to pay, company credit checks have become an important part of day to day business. A simple quick check online can save hours of chasing payments and ensure you have a good idea as to the state of your clients finances.

Debt collection can be costly and time consuming, so by selecting the customers you deal with based on their ability to pay you can reduce your exposure and help ease your cashflow in these touch economic times. It is also important to get regular credit checks on your largest clients, time can change a companies circumstances quickly, especially in todays fradgile economy, by ordering regular checks you can keep on top of customers that get into difficulty before it filters through to your invoices.

The ratings give you an indication of the credit worthiness of a business based on a number of factors, and some complex number crunching behind the scenes. They are a guide you can use when looking at a company report and trying to agree a recommended limit with your client. Company ratings are based on the last available information files at Companies House, they are not like consumer credit reports where financial institutions report your information back on a monthly basis, so most ratings are unable to take into account missed payments etc.

The information from the company accounts, historical accounting information and any county court judgements help a rating be established. With company reports you can also see the full details of any directors in the business, and any other companies they are involved in, which can be useful when looking a new startups or if a company changes its name.

Overall the credit rating takes into account many different elements, mainly taken from the accounts the company files, and should be used as a guide to come to your own conclusions about your client. A simple fast online check is all it takes to help provide peace of mind and get the information you need to make an informed decision on your client.

It can also be useful to check your own company credit rating, especialy if applying for new business finance or credit lines with suppliers, identifying your weak points means you can instantly start working to improve your company credit rating.

Written by Sales Director at CheckMyClient – This article is based on 11 years experience of running small businesses with sustained growth over that period. Company Credit Checks have been very helpful in managing clients credit, you can get an instant company credit report online at checkmyclient.com

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How Do I Check My FICO Score Online for Free?

Adam — Sat, 23 Apr 2011 02:53:48 +0000

The internet is the best and the easiest medium which enables you to check your Fico score. Your credit score regarded as FICO score represents in figures, an estimation, after calculating your financial dealings, both of the present and past. The financial institutions like banks and other authorities that deal with lending of money get reassured whether as a client you are to be trusted or not, depending on your FICO score. If the financial institutions are there to lend you money, they also have the right to make sure of the fact whether the person they are lending the money is reliable and can pay back the money within the stipulated time or not. Your FICO credit acts as the indicator.

The higher your score in your credit report, you can buy the confidence of the financial institutions. You will be able to take your pick from a variety of financial institutions while applying for a loan. Your credit reports and your FICO score are the best tools available in the hands of the financial institutions to judge your reliability.

Calculating Your FICO Score

Calculating your FICO Score by means of a complicated mathematical formula is done taking into account your present and past financial dealings. There are a number of things that are taken into account; mainly your financial records are probed deeply. You income is assessed in terms of your expenditure, the debts that you have incurred are also considered. Whether you are involved in some sort of a loan with other financial institutions or have dues in car payments or have a host of credit cards that you used previously.

Your accountability factor in terms of repaying your loan is judged. If you are punctual and have maintained a desired level of consistency in paying back your loans, then you are likely to have a higher FICO score, otherwise not. Calculation of your percentage score is done on the basis of the financial activities that you have been involved in, both in the past and the present.

However, it is imperative that you go through a copy of your credit report online frequently, so that you can check for any sort of frauds, errors or wrong information. You need to keep a tab on the credit report as any wrong information or errors will invariably harm your reputation and affect your credit score. With time, the whole system is becoming advanced and more transparent and you can readily get the required information, free copy of your FICO score via the internet.

The Average FICO Score in the USA

The average FICO Score varies but the range is 300 to 850. Now Americans who boast of good credit score have 850 in their kitty, having the highest score. For that matter a credit score above 700 is considered good enough for the moneylenders to trust you. Your credit history should be good enough if you want money or big loans from the money lenders. The unfortunate ones who get the tag of having a poor credit usually have 300 credit score.

How Do I Check My FICO Score and Credit Report?

Now that you are aware of how your FICO score impacts your finances, you may be wondering “How do I get my free FICO score?” Easy, To learn more about obtaining a free online credit report, visit http://FreeCreditReports101.com/, an excellent resource on credit reports and your credit score. There are dozens of websites that offer totally free credit reports. There are so many, in fact, that it can be a little bit overwhelming when trying to decide which company to choose. Some things to look for when choosing a credit reporting service are: ease of use, customer service and assistance, detail of reports, accuracy of reports, and whether they offer to assist in repairing your credit score.

Find Out What Your FICO is… Click Here

Article from articlesbase.com