Did You Check Your Credit Report Last Month?

Our consumer life becoming more harder then we can imagine. Who do not want a hassle free life. Unfortunately we can not totally skip these! Identity theft is one of these threat for those who are not careful. Yes, i believe, if you are careful and careful to check your credit report regularly, at least once a month you can reduce possibility of identity theft.

You Have to Careful:

I am not going to give the definition of "Identity Theft". You know, anyone can apply for credit card or loan, maxed out your credit card bill by using your identity! Even they can loot your account and also charged unwanted credit card bills.

Most (maybe all) of us know the possible threat of "identity theft" and those who don't know, they live in fools world! But i know, we are not sincere, we think "okay, will check it (credit report) tomorrow".

I recommended to check your credit report regularly. Take action before any possible hassles.

At First Check Your Credit Report for Free:

Now i can hope that you understand the importance of monitoring credit report regularly. I never think or also not suggesting to check your credit report daily, once a month is enough.

You may already have noticed that by federal law you will get a copy of your credit report for free. Just you have to go government official website annualcreditreport.com . Unfortunately they are providing one credit report from three major credit bureaus (Equifax, Experian, TransUnion) in a year.

Tip: Think wisely, is it important to get all three reports at a time? Never, when you will apply your credit report it's recommended to pick one bureau's credit report. For instance, in january you can pick Equifax, in may you will pick Experian and from then after four months you will pick TransUnion. Yes, in this way you can monitor your report in four months basis.

Monitor Your Credit Report Regularly:

In whole of my post i wanted to describe that check your credit report regularly and carefully. It will be better if you check your report at least once a month. So it will be a better decision to check it your leisure period, although you have to pay for getting this service. Here i am listing some services, you can chose anyone of these.

CreditReport.com - CreditReporting.com - CreditReportsandScores.com - Equifax.com - ReliaCredit.com - CreditMonitoring.com

Identity? Protect it Perfectly:

I think, it's enough if you will sincere and careful to monitor your credit report regularly though you can hire or take service from third party. They will inform you instantly if any fraudulent occur with your identity. Yes, you should take one identity protection service for final security. No one know when his/her identity will theft.

My friend Hery Creigh using this service even his kids (2 kids) also go through this service & he is satisfied. Still confused? Don't worry here i am listing some reliable services.

IDwatchdog.com - IdentityTruth.com - LifeLock.com - Intelius.com

Okay, Finalizing My Boring Story!

By monitoring credit report you not only protect your identity from theft also could track and control your personal finance. annualcreditreport.com will be best for start but consider Equifax.com.com to check credit report and IDwatchdog.com to identity protection.


This post was first publish on Did You Check Your Credit Report Last Month?

Want to say anything? please don't hesitate to leave your comment.

Read more

Low Interest Rate Credit Card

Looking for a low interest rate credit card? Then you are on right place. And i think you decided a good decision by choosing this to negotiate your credit cards debt and also you may want to carry balance occasionally. Actually you are reading the extract of my Low Interest Credit Card series which covering total four posts. You may call it a guide of choosing low rate credit card.

• Know the Secret of Getting Lower Interest Credit Card: This was the first part of this series. Here i focused, "How you can lower your existing high interest rate card". Yes if you have good credit score and pay off your balances monthly then why you are thinking to get new one? Obviously it will be worth for your credit worthiness.


• Low Interest Credit Card is Now Worthless!: Please don't scared out. I don't think it is not for you if you are careful, sincere to payoff your CC balances monthly. So think to payoff your balances on due time and eventually it will be the best decision.


• How to Compare Low Interest Credit Card Offers: Still stick to get a new one? Okay, there is no problem. You will find lots of offer on online. But to get the best one and also suitable for you it's recommended to read this part. I think after reading this part you could easily find out your desired low rated card.


• Top 7 Basic FAQs: This is the last part of this guide. There i have tried to answer some simple and basic frequently asked questions. You can read this part for better info. If you also have any question then fell free to ask on that page.

If you like this series then please help to spread out the word by sharing with your friends and family.

Read more

19 Useful Credit Card Tips | Some Suggestion About Credit cards

Online banking makes our financial transaction more easier. Now a days its popularity increase rapidly. It not only save our time but also help us to get rid of many troubles. We also use credit cards over internet. If you use your card properly you are safe. But criminals target your credit card to hack. If they get this chance they lick your account in a single click!!



First time credit cards user are the first target of this cyber criminals. They pretty like to hack or fishing first time credit cards user account. So be careful if you are First time credit cards user. Research shows that the rate of fraudulent purchases made with first time credit cards users is much higher than credit card fraud with regular credit card user.

The rate of fraudulent purchases made by mobile or telephones is much higher than credit card fraud on the Net. Nevertheless, I encourage you to take precautions when giving out any confidential information (including your credit card number) over the Internet. Here I share some tips about credit card banking. If you want to get some tips please continue or interested in how to Keep Your Transaction Secure.

Credit Card Tips:

01: When you get your new credit card, sign it immediately. But if it is a replacement please destroy your old one.

02: Never fax your credit card NO. Because your credit card number recorded in the the fax basket. So It is possible for criminals to intercept your credit card number while the fax is in transmission.

03: Never give your credit card details over telephone. Only give out your credit card number on telephone calls you initiate to business or organizations you trust.

04: If you face trouble, never hesitate to call your service provider.

05: If you lost or have it stolen you must contact your service provider immediately. Because maximum fraud occur within the first hour or two.

06: Many newer credit card offer to include your image on the card. Must take this option. Because this facilities give you a higher protection.

07: Use a cover as a shield, to protect copy it or capture it on a cell phone or other camera.

08: Chose a secured place where you keep your PIN, account numbers and expiration dates.

09: Only carry around credit cards that you really need. Don't carry around extra credit cards that you rarely use.

10: Don,t use your regular card in a unsecured transaction.

Extra but Important Tips

01. Try for a credit card that does not charge an annual fee.
02. Pay your credit card bills on time.
03. Don't pay fees up front to get a credit card.
04. Never leave your credit cards or receipts lying around.
05. Always void and destroy incorrect receipts.
06. Shred anything with your credit card number written on it.
07. Never write your credit card account number in a public place.

TIPS: When you use your Credit Cards Over Internet

11: Careful to respond email, when they ask for your credit card info. My suggestion is, "Never respond to emails that request you provide your credit card info via email"

12: When your service provider send email to you for Details Update you must check and double check their Domain name. Look this Domain 1st: thewebbank.com and 2nd: thevvebank.com , here 2nd domain name is fraud. Check and spell out the domain (website) name in address bar. (More details in Protect Yourself from Identity Theft and Credit Card Hacking)

13:You must careful, when a email say to go to a website to verify your personal (and credit card) information. My suggestion is Don't ever respond to this kind of emails. Never provide your credit card information on a website that is not a secure site. In technical word it called phishing.

14: On the Internet, look for an Internet address that begins https:\\. The “s” indicates that it is a secure connection and a small padlock symbol should appear in the bottom right hand corner of your screen, indicating it is safe to transmit your credit card number.

15: Only give your credit card details to web site you trust.

16: When you think that this web page is safe then you enter your PIN and account number.

17: Do not store your credit cards PIN, access code or credit card number on your hard disk drive.

18: Activate your browser security settings. Regularly check your computer security.

19: Be careful about sensitive data and access media.

Remember it:

If you fell hesitate, i mean when you found anything wrong in online banking, shopping and other sensitive issue you must ignore to give your PIN, access code or credit card number. I think, if you careful and follow all this suggestions you enjoy online banking. Thank you to read.

Article source: 19 Useful Credit Card Tips By Credit Credit Blog

Read more

What is Secured Loans and Tips About Secured Loans

In a Secured loans the lender is able to balance the risk of lending to you. So it is a loan where you will be required to use your property as security against the loan. The amount is differs from lender to lender and your individual environment.The Annual Percentage Rate (APR) will depend on:

01: the value of your property
02: your ability to repay the loan
03: your personal circumstances

First you think carefully about how you find a secured loan. If you think you will take your loan from internet lender then we may help you.

Why you take a secured loan?

By taking this you will get a chance to borrow more and repay it in a longer period (up to 25 years). But with a personal loan you will not get this chance.

How can you find the best secured loan?

When you search for a best secured loan you will found lot online bank or lender and they may offer to chose their offer. But here have many factors. May all of those bank offering secured loans, but at first compare them all yourself. But if you think you compare it from online please click here.

How much would you borrow?

It is tough to answer this question. Because it is depend on your mortgage, Current value of the property, loan type (single or joint), PPI, credit rating, income, employment status etc.

Credit Card Blog - A credit card blog where share credit card tips, review and credit card fraud story.

Tips for secured loan:

1.Look for a loan that won't cause you to be penalized if you choose to pay off your loan balance early.
2.Be sure to read the term and condition before you sign any loan document.
3.Very first offer must avoid.
5.Take your loan from a trusted one.
6.Take the best interest rate, best loan terms, and best overall secured loan deal.
Tag: Secured Loans

Read more

Keep Your Transaction Secure

The Internet is a public network. Therefore, it is important to learn how to safeguard your banking information, credit card numbers, Social Security Number and other personal data.

Look at your bank’s Web site for information about its security practices, or contact the bank directly.

Also learn about and take advantage of security features. Some examples are:

Read carefully from here:

* Encryption is the process of scrambling private information to prevent unauthorized access. To show that your transmission is encrypted, some browsers display a small icon on your screen that looks like a "lock" or a "key" whenever you conduct secure transactions online. Avoid sending sensitive information, such as account numbers, through unsecured e-mail.

* Passwords or personal identification numbers (PINs) should be used when accessing an account online. Your password should be unique to you and you should change it regularly. Do not use birthdates or other numbers or words that may be easy for others to guess. Always carefully control to whom you give your password. For example, if you use a financial company that requires your passwords in order to gather your financial data from various sources, make sure you learn about the company’s privacy and security practices.

Credit Card Blog - A credit card blog where share credit card tips, review and credit card fraud story.

* General security over your personal computer such as virus protection and physical access controls should be used and updated regularly. Contact your hardware and software suppliers or Internet service provider to ensure you have the latest in security updates.

If you have a security concern about your online accounts, contact your bank to discuss possible problems and remedies.

Read more