"It's the friends you can call up at 4 a.m. that matter."Marlene Dietrich
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Adam Smith the Real-life Grinch Who Stole Christmas and Won
At about this time each year, without fail, the lament will go out about how the real meaning of Christmas has been lost. This pre-Christmas tut-tutting is as much of a tradition as the obligatory Christmas cards, and treated in the same casual way. But ...
Five Reasons to Check Your Credit Report Regularly
In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a ...
What's Going on with Mobbing, Bullying and Work Harassment Internationally
It's not a pretty picture. It's worst in Germant, the UK has an anti-bullying law, the costs are high, and it's on the rise. Le mobbing est un poison lent - Mobbing ist ein leises Gift Zuletzt geändert The Germans and the French call it "the slow ...
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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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College examined over crime reportingBoston.comState auditors are investigating allegations that Roxbury Community College has not accurately reported serious crimes on campus, as well as a separate claim of wrongdoing involving the Reggie Lewis Track and Athletic Center.and more » |
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