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Avoid Identity Theft

You want to talk about a crime that is growing like crazy, then chances are you have probably heard about identity theft. This is the fastest growing crime, and it is growing everywhere in the world. These are the measures you should take to avoid identity theft.

Tip 1. Never ever give out your information by email. That is the number one way in which crooks are acquiring suspects personal information. This type of fraud is called ‘phishing.’ Phishing can be used to get a number of personal information data from unsuspecting people like, social security numbers, addresses, phone numbers, and banking information. Usually it is someone masquerading as a company you know, trust and have a relationship with. If there is a real problem they will not send you something in the form of an email.

Tip 2. Do not put your personal information on your checks. Crooks often prey on cancelled checks. I highly recommend that if you have checks that contain to0 much personal information on them and you shred your when you want to trash them.

Tip 3. Paper shredders can save your life seriously. This could be the best investment you have ever made. Believe it or not crooks will dig through your trash. Shredding your important documents can reduce your probability of becoming a victim of identity theft by at least 20 percent.

Tip 4. It is a great habit to check your banking account online at least once a week to make sure there is not any unauthorized transactions on your banking accounts. With today’s online banking it is very easy and free to set up a online banking account. If the bank does not require it you should change your pin numbers regularly.

Tip 5. Clean out your wallet or purse. Do not carry your social security card. Wallets and purses are often stolen; do not make it easy for these criminals to steal your identity. For the same reasons you should never carry your passport or birth certificate on you either.

Tip 6. When you are setting your passwords do not use your name or a word in the dictionary. Make them something really bizarre and random that only you will know.

Tip 7. Use an anti-virus program on your computer. A thief can actually hack into your computer and view all your files and steal your personal information that way. You are just asking for trouble if you do not use an anti-virus program.

Losing your identity can really ruin your life, credit, and millions of people all around the world are finding this out the hard way. You can use these above tips to insure that your identity does not get stolen.

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Manage Your Credit Score.

Just like you would manage your money and maintain a budget you must manage your credit score. These quick tips will help you improve your fico score and keep it high. This of course allows you to qualify for the lowest interest rates for home mortgages, car loans, credit cards and all types of financing.

Tip 1 Pay Your Bills on Time.

Ok, I should not say that one because we all know the most important thing we can do to manage our fico credit score is to pay your bills on time. The reason many people have a hard time doing this is that they are not organized and do not manage their bills. Many people borrow too much and have over utilized credit. So to be in control first make a budget and live within your means. Then pay your bills on time.

Tip 2 Lower Your Debt.

Your Fico Credit score is based on a number of factors and the second most important factor is how much you owe as a percentage of your maximum line of credit. This is important for both individual accounts and the total of all accounts. To receive the maximum points for your open revolving credit you should have a minimum balance of less than 20% of the maximum line of credit. If you have less than 50% you get positive points but you begin to lose points the higher your balance is. If you owe more the the credit limit there is a stiff penalty in your credit score. Avoid this at all costs. If you look at your credit your lines of credit and you have a low balance as a whole that helps but if some are low and others are high maybe a balance transfer to keep all balances low would be helpful if you can not pay them down. This tip is to lower your debt. Do not pay it off. Keep a small balance and use them regularly, even if you pay them within 30 days. This activity improves your credit score. To have accounts that are open with no balances actually can lower your score. The positive points for having a credit card open for a long period of time and having low balances go out of the window when the card is inactive and has a zero balance. The zero balance means that the card is not counted as it is treated as inactive.

Tip 3 Check Your Credit Regularly.

There are lots of reasons to check your credit regularly. You must check for inaccuracies that you can quickly dispute. These inaccuracies can cause your score to be lowered. You can check for identity theft, which is one of the fastest growing crimes today. You can check to make sure you are properly managing your credit and to improve your Fico credit score. Checking your credit regularly can save you hundreds of dollars or more each month. Checking regularly can save you years of frustration if you are a victim of Identity Theft. Checking regularly is well worth the $10.00 per month some credit monitoring services charge.

So pay your bills on time, lower your debt and check your credit regularly. These three tips can help dramatically improve your fico credit score and allow you to get the best credit and the lowest interest rates.

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