Articles by Suzy Vanstrusen on ArticleSnatch.com

The Importance Of Knowing How To Read Your Credit Report

Fri, 09 Apr 2010 00:51:10 -0400

Getting a copy of your credit report is only the first step to avoid scams. The next thing you should focus on is how you can read and interpret your credit report. Doing this will help you determine the right actions you should take. Below are the basics on how to read your credit report. Free Credit Report for All Everyone is entitled for a free copy of the credit report from the three major credit bureaus. This right is stated in the Fair Credit Reporting Act to protect consumers from erroneous or irresponsible reporting. This also gives everyone the right to dispute charges in their report that they think are incorrect or false. If you are planning to apply for a new loan or credit card, the first thing to do is to get a copy of your credit report. Information in Your Credit Report What exactly can you read in your report? Look at your credit report and you will see that it is divided into four categories. The first one is your Personal Identity section where all your personal details are listed such as your name, address, Social Security Number, phone numbers, Driver's License number, etc. **End Summary** Topics: credit report]]> credit]]> debt]]> credit report score]]> credit score]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Free Credit Repair: Helpful Tips For Consumers

Wed, 07 Apr 2010 19:58:07 -0400

Many people are suffering from bad credit due to various reasons but the the good thing is that there are also ways on how you can repair and improve a bad credit history. Some people may ask, what if they don't have enough budget to pay for a credit repair service. You don't have to worry because you can actually repair your own credit without spending a cent. Your Free Credit Repair Guide So what should you do when you are stuck in bad credit? The first step is to get your credit report score from each of the three credit report firms- Experian, Equifax, TransUnion. Take note that each credit bureau does its reporting independently so you must order a copy from each. Since you don't know which of these bureaus a potential creditor would make an inquiry to regarding your credit history, it's important to make sure that all sources of your reports are accurate. Why should you make the effort to personally check into your credit report? Errors or inaccurate information can badly affect your overall rating. There are also cases where the one at fault is the credit report agency. **End Summary** Topics: credit]]> free credit]]> credit report]]> repair credit score]]> credit report score]]> repair credit score]]> free credit repair]]> credit repair]]> debt consolidation]]> ]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

How Can Bankruptcy Influence Your Credit Report

Sat, 03 Apr 2010 18:41:08 -0400

One of the common results of the worldwide recession is people losing their regular jobs. Following this unfortunate event, we tend to look for every available ways to have sufficient amount of money just to support our loved ones. This event also left us desperate to settle for credit cards and loans that have too high interest rates and fees. In the end, we wake up with no other choice but to file for bankruptcy. Still, bankruptcy has its own set of benefits. This option can allow us to avoid losing our assets to repossession. It can prevent us from having our utilities services cut off. Another advantage of filing for bankruptcy is that you can put an end to harassing collection calls and activities from your creditors. And, most significantly, filing for bankruptcy can give us a fresh start. It can allow us to enjoy a life without all the stress and worries that are associated with unsettled credit. Despite these benefits, a lot of people are still doubtful about this option. They think that having a bankruptcy in their credit report will totally damage their credit information. **End Summary** Topics: credit report]]> bankruptcy]]> filing for bankruptcy]]> bankrupt]]> financial crisis]]> economic crisis]]> high credit loans]]> loan]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Common Reasons Why People File for Bankruptcy

Tue, 30 Mar 2010 11:36:00 -0400

You have ordered a copy of your credit report from one of the three major credit bureaus and the moment you opened it, you saw a lot of outstanding balances that needed to be paid off as soon as possible. This is a very stressful situation to be in especially if you are having difficulties in paying your creditors back since the interests have all ballooned out. Add to your woes, you have just been laid off from your company. So how will you handle all these debts and bills each month? Most of us encounter a similar problem. Recession has inflicted great damage to our financial stability. We found it difficult to retire all our debts. This problem may push us to finally decide on filing for bankruptcy. After all, bankruptcy can wipe off some and even all of our debts. And for sure having been discharged from bankruptcy, we can have a fresh start for us to slowly work on rebuilding our credit reports. Aside from being retrenched from work, what other reasons can push people to file for bankruptcy? We will give you the four main reasons why people choose to file for bankruptcy. **End Summary** Topics: bankruptcy]]> bankruptcy attorney]]> file for bankruptcy]]> new bankruptcy laws]]> bankruptcy debt]]> bankruptcy law]]> bankruptcy counseling]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Steps When Filing A Credit Dispute To A Credit Bureau

Sun, 28 Mar 2010 11:56:22 -0400

Each consumer has the right to review his/her credit report any time. We also have the right ti dispute charges or false information, according to the Fair Credit Reporting Act. Each of the three major report firms (Equifax, Experian, Transunion) are mandated to respond accordingly to the disputes they receive by conducting an investigation and correcting the errors in the report. Take note that credit bureaus are only recording the reports they receive from your creditors. It is not uncommon for typographical errors to occur but there are cases when the errors are a sign of identity theft or fraud. Sometimes, the creditor may have made the mistake in reporting the wrong information but it is also possible that the credit bureau is the one responsible for the error. In any case, it is your right to question these errors and you should not be afraid or ashamed to do so. However, experiences show that not everyone knows how to file a dispute properly. Some people don't even exercise their rights to ask for a correction. Here is an article that will discuss the right steps to follow when filing a credit dispute to credit bureau. **End Summary** Topics: credit report]]> three credit report]]> credit bureau]]> credit dispute]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Is Filing for Bankruptcy Advantageous?

Sun, 21 Mar 2010 01:54:14 -0400

Some people may cringe at the mere idea of filing for bankruptcy. However, the truth is many consumers are compelled to seek out bankruptcy as the last workable solution to their financial situation. Although no one really wants to have a record of bankruptcy in his or her credit report, there are times when bankruptcy can be helpful not just for the debtor but for the debtor's family at the same time. Listed below is a summary of the possible benefits that filing for bankruptcy can bring: The chance to be free from debts. Chapter 13 Bankruptcy discharges a debtor from his/her all obligations to creditors. Nevertheless, consumers must understand that certain types of debts cannot be discharged by bankruptcy. Examples of these debts are student loans, liens, family support, among others. The eligibility of a person to apply for a Chapter 13 Bankruptcy will be determined by the bankruptcy court. The court's decision will be based upon the result of the debtor's Income Means Test. If the borrower fails the Income Means Test, the court may rule a Chapter 7 Bankruptcy which will require the debtor to submit in a five-year repayment plan. Stop repossession. **End Summary** Topics: bankruptcy]]> filing for bankruptcy]]> information on bankruptcy]]> how to file for bankruptcy]]> bankruptcies]]> bankrupt]]> credit report score]]> three credit report]]> ba]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website EzCreditRepairSolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

What You Should Know About Your Credit Report

Thu, 18 Mar 2010 23:58:08 -0400

Due to the alarming number of identity theft and credit card fraud cases, the FTC advises all consumers to become aware about the status of their credit reports. To do so, individuals must order a copy of their report from three credit report bureaus, namely Experian, Equifax and TransUnion In this post, let's discuss the key points on reading your credit report and the steps that you can do to fix possible errors. What Your Credit Report Contains The consumer credit report is categorized in four segments- your personal identity, payment history, public records and inquiries. When you receive a copy of your credit file, carefully review the details of your information. Consider these warning signs that of a possible fraud or identity theft. Inquiries from creditors you did not apply to. Do you see credit report inquiries from loan companies or credit card issuers that you never send an application to? If yes, someone else might be trying to open an account using your identity. Call up each company to clarify these inquiries. Change of your home address or employment address. Sometimes, there may be a misspelled word or missing digit in your residential or mailing address. **End Summary** Topics: credit score]]> credit]]> credit report score]]> credit report]]> credit repair]]> free credit repair]]>]]> About the Author: ]]> For people who want to learn how to repair their own credit, Suzy Vanstrusen, a credit analyst and a writer of EzCreditRepairSolutions.com, has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Why Do People File for Bankruptcy?

Wed, 17 Mar 2010 02:52:57 -0400

Recession has taken its toll, not only to business owners but even to employees as well. People from all walks of life are greatly affected of the current state of our economy. Truly, no one is exempted from the effects of recession. Now, more than ever, many people had to file for bankruptcy not only to get an opportunity to catch up with their repayment but in order to keep their families from being out in the streets. In this post, let us talk about the reasons why some people file for bankruptcy. - Sudden loss of employment. Among the toughest damages brought about by recession is the high rate of job losses in the society. For breadwinners of the family, losing their jobs can greatly affect them and can be very tough to face. Apart from not having a regular source of income, being out of work also means not enjoying the benefits that an employer provides. - Illness or medical emergencies. You'll end up shouldering more debt problems in the event that a family member falls ill. Hospitalization costs, medication and treatments can definitely balloon in just a matter of days. **End Summary** Topics: bankruptcy filing]]> bankruptcy]]> online bankruptcy]]> bankruptcy faq]]> chapter 7 bankruptcy]]> personal bankruptcy information]]> bankruptcy credit report]]> three cred]]>]]> About the Author: ]]> For people who want to learn how to repair their own credit, Suzy Vanstrusen, a credit analyst and a writer of EzCreditRepairSolutions.com, has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Credit Repair Scams: Tell-tale Signs

Mon, 15 Mar 2010 09:25:07 -0400

The Federal Trade Commission (FTC) alerts consumers against trying to get credit repair service from illegal credit repair companies. Yes, experiencing financial crisis can make any person prone to fraud and rip-offs. Knowing the signs of false credit repair agencies may help you stay away from being a victim of credit repair scams. What are the indications of a fake credit help service? Upfront payment. A legal credit repair or credit counselling agency will never ask for an advanced payment prior to providing service since that is an infringement of the laws and regulations stipulated in the Credit Repair Organizations Act. Advises you to lie or use false information. If your credit counselor recommends that you violate the law, then this is a sure sign that you are dealing with a fake agency. For example, you may be advised to use a different Social Security Number or replace your SSN with your EIN (Employer Identification Number) to switch your credit identity. Keep in mind that lying or using false information just to be free from your all your responsibilities will never solve the problem instead, it will only worsen the situation you are in. **End Summary** Topics: consumer fraud scams]]> identity theft scams]]> credit repair agencies]]> credit repair scams]]> repair my credit]]> credit score]]>]]> About the Author: ]]> For people who want to learn how to repair their own credit, Suzy Vanstrusen, a credit analyst and a writer of EzCreditRepairSolutions.com, has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

What are My Rights When in Debt

Wed, 10 Mar 2010 02:14:04 -0500

Are you bothered by creditors who constantly remind you of your past due debts? Would you like to be free from stressful contacts with your creditors? Are you aware of your rights as a borrower? This article focuses on the consumer rights included in the Fair Debt Collection Practices Act. Hopefully, by the end of this article, you'll be able to take the proper action against creditors who may be violating your rights as a borrower. Stop Your Creditors How do we stop the creditors? According to the Federal Law, you can stop a creditor from making further attempts to contact you about your debts by sending a letter to your creditor or the collection agency advising them to stop contacting you about your debts. However, take note that this doesn't change the fact that you are still under obligation to your unpaid debts. You are still liable to pay back what you owe, and although a creditor may have stopped contacting you after you sent your letter, a creditor can still take legal action against you if you fail to make your payments. Bare in mind, you can be sued if you ignore your responsibility to your lender. **End Summary** Topics: debt violations]]> borrowers]]> Fair Debt Collection Practices Act]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and tips on how to write a credit dispute letter .

How You Can Avoid Debt Consolidation Scams

Mon, 01 Mar 2010 15:32:02 -0500

In the middle of multiple debt problems from different creditors? Want to end this dilemma? One of the most effective way to eliminate debt is through debt consolidation. Successful debt consolidation starts with finding a legitimate and reliable consolidator or debt consolidation company. However, this can be a very challenging task. Experiences show that people who are stuck in debt problems tend to be vulnerable and too trusting. If you're not cautious, scammers can take advantage of your situation. The following are just some ways on how scammers victimized other people. 1. The first thing these scammers would try is to require you to pay for an upfront fee. They will try to give you several reasons why they need to charge you before approving or activating your application. 2. Some consolidators might tell you that you don't have to make a series of payments yet while you are on the process of getting a settlement deal. After a few days, you may be required to submit the "settlement fee" to your debt consolidation company when in fact no settlement or negotiation has been done between you and your creditors. 3. **End Summary** Topics: debt consolidation]]> consolidation]]> scams]]> credit card debt consolidation]]> best debt consolidation]]> debt consolidation company]]> how to reduce credit card deb]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Understanding What Your Credit Report Reveals

Mon, 01 Mar 2010 15:05:09 -0500

So you have been advised that the first step to solving your debt problems is to get a copy of your report and examine the status of your debts. After requesting a copy of your report from a legitimate credit bureau, you're still left in a state of confusion. You really don't know what to make out of the numbers and details in your credit report. There are a couple of terms in your report that you don't understand? So what do you do? Consumers who are checking their credit report for the first time will most likely find all these details very confusing. In this article, we'll talk about the basic elements of a credit report and what each of these details reveal about you. Personal Information This is the first part of your credit report that includes all personal information about you- your name, address, phone number, Social Security number, driver's license number, spouse, employer, and other applicable data. Most consumers just skim through this part of their credit report. But although this particular section contains only basic identification that you already know, you still want to make sure that all of them are correct. **End Summary** Topics: Credit Report Reveals]]> Address Phone Number]]> bankruptcies]]> Credit Bureau]]> Credit Card Issuer]]> credit history]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Credit Bureaus: What You Need To Know

Wed, 24 Feb 2010 04:47:13 -0500

Financial experts advise consumers to regularly check their credit reports to make sure that every detail included in the report are accurate and updated. Not everyone though understands what a credit bureau really is. Let us discuss this topic along with the role these credit bureaus play in building your credit and how they can help you resolve issues with regards to your credit report. There are many agencies that offer credit reporting but there are only three major credit bureaus in the United States. These are Equifax, Experian and Trans Union. These names are the most trusted credit reporting bureaus that you should be running to whenever you need your credit report. Some people have the notion that all three bureaus are the same. On the contrary, each bureau is a separate company and each one does its credit reporting independently. You may find that when you order a copy of your report from Equifax, it will not be exactly the same as the report issued from Experian or Trans Union. When you apply for a loan or a credit card, your prospective lender can either inquire your credit history from any one these three bureaus. **End Summary** Topics: credit]]> credit bureau]]> credit bureaus]]> 2 major credit bureaus]]> importance of credit bureaus]]> roles of a credit bureau]]> credit reporting]]> credit reporting age]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

What Affects Your Credit Score In A Negative Way?

Sun, 21 Feb 2010 20:46:07 -0500

A credit report is being checked every time a person applies for a new loan, credit card or even a job. This is the reason why negative remarks that can badly hurt your credit score should be avoided. Below are the most damaging things that must never be seen in your credit report. Knowing these specific remarks will help you avoid them. Overdue Bills. Take a look at the credit history section of your credit report. Are there records of missed payments and past due bills? If yes, you can bet that it will be lowering your credit score badly. Don't forget that your payment habits make up the 35% of your total credit score. One delayed payment can significantly cause your credit score to drop by a hundred points or more. To avoid incurring late payments, what can you do? Usually, creditors give at least 21 days before reporting your payment as late. It is your obligation to be aware of your due dates and submit your payment on time. However, if an emergency comes up and prevents from paying on time, contact your creditor right away. **End Summary** Topics: What Hurts Your Credit Score]]> credit score]]> credit]]> credit report]]> credit rating]]> credit history]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Credit Report: Up Close and Personal

Sun, 14 Feb 2010 06:43:54 -0500

A credit report is very essential. It determines an individual's credit worthiness. In this article. let us discuss tips on how to read your own credit report. Also, we will tackle the how you can fix your credit report and improve your credit scores. Your credit report Your credit report is divided in four parts and these are your personal identity section, your credit history, public records (if any), and the inquiries made by to your report. The first section obviously contains details about your personal identity while the other three sections contain information about you and your relationship with creditors, insurers, lenders, and employers. Keep in mind that a credit history will reveal everything that concerns you and your creditors. This is where all your accounts, debts, unpaid charges, credit limit and payments are recorded. The next part of your report is the public records section where tax liens, bankruptcy, foreclosures, judgments and other legal remarks are reflected. An ideal credit report should have this section blank or empty as any remark contained here can affect your credit rating really badly. **End Summary** Topics: credit]]> credit report]]> free credit report]]> fix credit]]> free credit]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Checking Your Credit Report To Investigate Identity Theft

Sun, 14 Feb 2010 05:54:12 -0500

Are you a good borrower? If yes, have you been receiving calls or letters from companies telling you that you have an unpaid balances on your account? Or are there instances where you have been denied credit by a lender because you have a poor credit score? This is very unusual since you know for a fact that you have never made such charges and you always pay your balances on time. The reason why this is happening is because you are now a victim of identity theft. Protect Yourself from ID Theft ID thieves can open new accounts in your name or charge large bills in your credit cards without your slightest knowledge. They can be maximizing your credit line or going beyond your credit limit and you're not even aware of it until creditors start to call you about past due balances. Yes, it can take awhile before you even realize that other people have been using your account against you. What can you do? How can you avoid such a situation? Is there a way to protect yourself against identity theft? Checking credit report every six months is a precaution that all consumers must take seriously. **End Summary** Topics: credit]]> credit report]]> free credit]]> annual credit report]]> lost wallet what to do]]> identity theft articles]]> identity theft tips]]>]]> About the Author: ]]> A credit analyst and a writer of EzCreditRepairSolutions.com , Suzy Vanstrusen has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

The New Forms of Credit Scoring and You

Fri, 12 Feb 2010 09:24:10 -0500

In the past years, different types of credit scoring systems have been used in calculating a person's credit score. There was a time when the credit score was largely based on the number of credit cards owned, the amount of charges incurred each month, and the person's ability to pay them. As a result, people who do not own credit cards automatically become a candidate of a poor credit score. Consequently, people become ineligible to apply for a loan and must often turn to subprime lenders to get approved. What about people with no credit history at all? According to a research conducted by the Fair Isaac Corporation, about 50 million Americans have little or no credit history at all and become a target to subprime or predatory lenders. Without a credit history to back them up, they cannot get an approval from the best lenders in the market. Thus, many consumers with bad credit have very little choice but to settle with subprime deals. **End Summary** Topics: credit score]]> credit report]]> credit]]> score credit]]> credit bankruptcy]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

When To Get Your Credit Report

Fri, 05 Feb 2010 17:58:12 -0500

When should you get a copy of your credit report? The perfect time to do so is at least six months before you apply for a credit card or a loan. Why is this? Reviewing your credit report in advance gives you the advantage of knowing your credit status. This way, you'll know immediately whether a creditor is most likely to grant you an approval or decline your application. Checking your credit report will also put you in a better position to bargain with your creditor and ask for better rates. Obviously, if you know that you have an excellent credit history and high credit score, you will be more confident in requesting for lower rates or larger credit limit from your prospective creditor. But what if you've found out that you have a poor credit history and a low credit score? By checking your report at least six months before sending in your application, you know that you still have time to work on your credit and improve your score. Within the six months, you must do all the necessary steps you can do to boost your credit. How? Pay off your past due bills. **End Summary** Topics: how to get your credit report]]> get credit report]]> credit report score]]> free credit report]]> credit score]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit report score .

Credit Card Annual Fee - A Good Thing Or a Bad Thing?

Wed, 27 Jan 2010 12:41:30 -0500

There are different fees associated with credit cards. Aside from the APR, the annual fee is usually the most expensive cost of all. Why do other credit card issuers charge an annual fee? Should you only go with a no annual fee card? This article will answer these two important questions: What are Annual Fees? It is the fee that a credit card holder must pay every year to keep the account active. Hence, it is also called activation fees. Some issuers charge them while others do not. Usually, credit cards with rewards or with promotional offers like zero APR carry the activation fees. It can range anywhere from $20 to as much as $80 or higher. It is fairly common for credit cards with low interest rates to carry a higher fees every year. On the contrary, credit cards with higher rates may not require yearly fees at all. Good or Bad? The answer will depend on the overall value of the credit card. Keep in mind that the it is not the only cost that comes with your credit card. This is why it is very important to weigh all credit card fees before making a decision. **End Summary** Topics: credit cards interest rates]]> interest rates fees]]> annual fees on credit cards]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair and credit repair score .

What to do about your Low Credit Score

Sun, 24 Jan 2010 08:47:18 -0500

Here are some valuable tips that can help you add points to your credit score within the next few months: What are the steps you should take if you want to build up your credit and credit score? Here are some valuable tips that can help you add points to your credit score within the next few months: Timely Payments Many consumers tend to forget paying their credit card bills or their monthly loans exactly on their due dates. Did you know that the timeliness of your payments make up about 30% of your total credit score. Can you imagine how a few late payments or even just one late payment can lower your credit score? If you have the tendency to do so, it's about time to make drastic changes in your payment habits. One way to avoid delays in your payments is by setting up an automatic payment system with your bank or a credit union. This means, each month, your payment will be automatically deducted from your savings so you can be assured that all your creditors will be receiving your payment on or before your scheduled payment due. **End Summary** Topics: credit repair score]]> improving your credit report score]]> how to improve my credit score]]> credit score]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and easy credit repair services.

Keeping Guard Against ID Theft

Fri, 22 Jan 2010 10:50:21 -0500

This article presents a guide on how you can protect your Identity against thieves and scammers. Keep in mind that identity thieves are always on the lookout for every possible opportunity to steal personal information. Failing to do even the simplest steps can put you at risk: Do not provide information over the phone. You may receive a call from someone who claims to be a representative of the IRS, your credit card company or your mortgage lender. You may be asked to provide a few details about your bank account, address, or social security number. Watch out! Remember that legitimate companies will never solicit personal information in this manner. Watch out for "phishing scams". Do you receive unsolicited emails that seem to be from a popular merchant or a government organization? Some of these emails may contain a link to a "phishing website". To be safe, do not click on any link or download any attachment from suspicious emails. Delete the email right away. Erase the history folder before leaving your desk. **End Summary** Topics: keeping guard against ID theft]]> how to avoid scammers]]> social security number]]> identity theft]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and easy credit repair services.

Tips on How to Avoid Identity Theft

Fri, 22 Jan 2010 07:15:02 -0500

As cases of identity theft continue to rise over the years, one can never be too careful. In this article, we'll be discussing the important steps that can help you minimize your risk of falling prey to ID theft. Most of these steps are simple and can easily be overlooked. However, keep in mind that identity thieves can be anywhere and these law violators are always on the alert for any chance to steal your precious information. Therefore, be responsible and do your share in fighting the crime of identity theft. Don't provide information over the phone. Identity thieves still use the old "phone call" scheme to steal personal information. You may receive a phone call claiming to be from the IRS, from your credit card company or your mortgage lender asking you to confirm a few details regarding your account. Never give out any information in this manner. Watch out for "phishing scams". Watch out for e-mails disguising to be from a legitimate company or government organization. Never provide any of your personal information particularly banking information via e-mail. Be wary about "false websites" that may look genuine or authentic. **End Summary** Topics: keeping guard against ID theft]]> how to avoid scammers]]> safe online banking]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and easy credit repair services.

Benefits From Having a Credit Card With Low Interest

Thu, 24 Dec 2009 17:19:19 -0500

Credit card (CC) issuers are facing tough competition and one of the best marketing strategies they came up with are low interest cards. Obviously, people are more attracted to a low interest rate CC and they're most likely to pay attention to these credit cards compared to CC's with standard rates and costs. What are the benefits of having low interest CC's? Are they really as good as they promise to be? Which particular low interest credit card should you choose? How can you make the most out of your low interest credit card? Let's try to answer these questions one by one. Benefits of Low Interest Credit Cards - Ideal when you carry over a balance. It is recommended to pay off your CC balance in full each month. However, if you've made a large purchase, it may be necessary for you to carry over your balance for the next month. In this case, a card with a low rate of interest is your best partner because you'll only have to add a small additional fee for the interest rate. - Ideal for consolidating credit debts. **End Summary** Topics: credit cards]]> credit interest]]> low interest cards]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and easy credit repair services.

Identitfy Theft & Credit Fraud Protection

Sat, 19 Dec 2009 13:02:37 -0500

Consumers are constantly reminded to keep on guard against identity theft and fraud. If you suspect identity theft, you can place your report on fraud alert. This way, when someone tries to open an account under your name, creditors who may inquire about your report will see the alert and contact the owner of the report before approving the application. Nevertheless, a fraud alert can be ignored. Creditors do sometimes ignore the warnings and approve the application. To provide consumers with a more reliable protection against ID theft, credit freeze was introduced. ALL about Credit Freeze What is the difference between a credit freeze and fraud alert? Unlike a fraud alert, a credit freeze blocks new creditors from accessing an individual's credit report. Not even the owner of the report can take a look into it while it's on freeze. To make the credit report available for inquiry, the owner must first request for the freeze to be lifted. Without access to the credit report, no creditor will grant approval for a new credit application. **End Summary** Topics: credit card theft]]> card protection]]> credit theft]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for more free credit repair solutions and easy credit repair services.

Following Up On You Credit Dispute letter

Sat, 19 Dec 2009 00:44:46 -0500

The Fair Credit Reporting Act orders all Credit Reporting Agencies to conduct immediate investigation on disputes filed by consumers. After 10 days upon receiving your dispute letter, the agency must send notice that an investigation is on the way. It may take up to 30 days before the investigation will be completed. After this period, you should receive a letter from the credit reporting agency, informing you of the result of the investigation. If your dispute has been found to be valid, you should be provided with an updated credit report, free of charge. What happens if you dispute has been found to be invalid? In that case, you should still be notified by the credit reporting agency about the status of your complaint. Nevertheless, there are instances when credit bureaus are slow in responding to a dispute. If you have been waiting past 10 days for without any notice or response from the agency to whom you submitted your credit dispute letter, what can you do? Should you just let go of the matter and live up with incorrect details in your report? Certainly not! **End Summary** Topics: credit dispute letter]]> credit repair]]>]]> About the Author: ]]> Suzy Vanstrusen is a credit analyst and a writer of the website http://www.ezcreditrepairsolutions.com and has been providing consumers with tips and tricks in repairing your credit. Check the site for easy credit repair and how to write a credit dispute letter tips.