Statistics On Identity Theft

Statistics On Identity Theft

"Statistics on Identity Theft

More than ever before, the information explosion, aided by an era of easy credit, has led to the growth of a crime that feeds on the inability of consumers to control who has access to their sensitive personal information and how it is safeguarded. That crime is identity theft. The information below should be viewed as "what is known at this time" and not as the final word about identity theft crimes. Identity theft remains the #1 concern among consumers. Their fears are not unfounded. The facts about identity theft speak for themselves.

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Statistics on identity theft reported by the Federal Trade Commission indicate that for the 4th year in a row identity theft topped the list of consumer complaints. Identity theft accounted for more than 42 percent of all complaints lodged in the FTC Consumer Sentinel database in 2004, an increase of 40 percent over 2002 statistics.

The Number of Victims and Types of Fraud:
According to the Federal Trade Commission's Identity Theft Survey Report, nearly 10 million American consumers discovered that their personal information had been used to open fraudulent bank, credit card, cell phone or utility accounts, or used to commit other crimes.
More than 50 percent of all identity theft victims were the victims of credit card and other types of credit account fraud. New credit account fraud, where an ID thief opens up new accounts in your name, and other frauds were estimated to have victimized 3.23 million people.
Approximately 28 percent of Identity Theft victims whose theft involved the misuse of an existing credit card said that their credit cards had either been lost or stolen.

The Cost of Identity Theft:
Identity Theft costs approximately $53 billion. That means that the total loss to business and individual victims for all types of reported identity theft, both new account and existing account frauds, is almost $53 billion dollars annually. More specifically, business victims experienced a total loss of $47.5 billion or an average of $4,800 per business victim per year. Individual victims account for a total loss of $5 billion and $500 per victim annually.
Americans spent 300 million hours resolving issues related to identity theft. Between individual and business identity theft victims--an average of 30 - 60 hours per victim was spent on handling various matters related to identity theft including new accounts, existing account and other frauds.

The Perpetrators of Identity Theft:
Victims generally know the thieves who steal their precious personal information. In more than 25 percent of reported identity theft cases, the victims know or are related to the identity thief. Think twice about the people with whom you share personal information.
Most identity theft cases start in the workplace. Studies show as much as 70 percent of all identity theft cases are an inside job--perpetrated by a co-worker or by an employee of a business that you patronize. Perhaps the greatest surprise is that a large number of the identities were stolen not by an employee -- but by the business owner.

References: For further data and statistical information read the Federal Trade Commissions 2003 Identity Theft Survey Report.

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Tags: statistics on identity theft

Tax Deduction for Salesman

Tax Deduction for Salesman

File your taxes online and get all of the tax deductions for which you qualify. TurboTax offers a free online tax preparation program that is interview driven. You will uncover every tax deduction for which you qualify when you use this amazing program.

Prepare, print and e-file your taxes for FREE at TurboTax now for a fast refund.

TurboTax GUARANTEES that you'll get the biggest refund you deserve with TurboTax. Start Now.

Tax deduction for salesman, self employed individuals, and more. TurboTax maximizes your deductions for mortgage interest, donations, education, and much more. Their interview covers more than 350 different deductions, helping you to qualify for more tax savings than you may find on your own.

The IRS reports that the average tax refund so far this year is $2,548. Don't delay, collect your refund now. e-File your federal tax return for free at TurboTax.

Tags: tax deduction for salesman, prepare and e-file federal tax return free fast refund,

Free Credit Report

Free Credit Report

Checking your credit report is an essential element of credit repair, but also for uncovering identity theft, as well. Did you know that most credit reports contain at least one error? If you are thinking about applying for a loan, mortgage, or other credit account, check your credit report firsts to be certain that it is in the best shape it can be.

Free credit report is available at AnnualCreditReport.com. This site was setup when the government mandated one free credit report each year from each of the credit agencies must be offered to every consumer. Check you credit report for errors, omissions, and any sign of credit fraud. Dispute any negative and erroneous item immediately. Each credit report will spell out exactly what you must do to make a dispute.

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Don't wait to be denied credit - check your free credit report now!

Tags: free credit report, identity theft prevention,

Victims Stories of Identity Theft

Victims Stories of Identity Theft

"How did this happen to me? Victims stories of identity theft are usually similiar in that they were all unaware that their identity and personal information had been stolen and was being used to ruin their credit rating.
It is the nightmare from which you hope you will awaken soon. The Federal Trade Commission reports that identity theft is the fastest growing crime in the US. Identity theft has no boundaries, striking consumers of every class, walk of life, and occupation. Victims stories of identity theft are heart breaking, but very similar in that they are all taken by surprise.Identity theft can happen to anyone, including YOU. Take a look at some real stories of identity theft published by the Better Business Bureau Online. Each story is a gut wrenching look at how an individual's personal information was stolen and used to hurt the victim's financial well-being. Imagine if you were to get a call from a collection agency to collect on a credit card balance for a credit card that you never requested or used! Or, you try to obtain a car or home loan, only to find out that your credit report is full of erroneous and fraudulent information.
LifeLock Identity Theft Prevention - Save 10%
You can prevent identity theft, and protect your personal information. First, order your credit report. Check it carefully for any erroneous or fraudulent activity, i.e. cell phone accounts that are not yours, credit card accounts, or past due balances on credit accounts you didn't request. Dispute any erroneous items immediately. Each credit report will give you detailed information for how to file a dispute. Report any sign of identity theft to your local police department - this is a must. Finally, start shredding all of your junk mail, and any other mail that contains personal information about you. Shredding is one of the best ways to avoid identity theft. All that an identity thief needs is your name and address to start stealing your identity. Subscribe to a reputable identity theft prevention service such as LifeLock. LifeLock Identity Theft Prevention is the only service of its kind to offer a $1 million guarantee. LifeLock has been reported on by many news organizations such as The Wall Street Journal and CNN as being one of the very best ways to prevent identity theft. It is much easier to prevent identity theft than to deal with the nightmare of cleaning up the mess caused by having your identity stolen.
Read some of the victims stories of identity theft, and see why you need to protect your personal information now. Don't be a victim! Subscribe to LifeLock Identity Theft Prevention - Save 10% "

Tags: victims stories of identity theft,
identity theft prevention and protection

Don't Despair - Financial Help for Single Moms with Bad Credit

Don't Despair - Financial Help for Single Moms with Bad Credit

Single Moms - you can fix bad credit and improve your life now!

• Are you a single mom with bad credit?
• Do you want to improve your credit?
• Do you think it is too difficult to improve your credit?

If you have answered yes to any of these questions, you are not alone. But don't despair, there is financial help available for single moms with bad credit!

You don’t have to live with bad credit. It is possible to repair your credit, and it is much easier than you would think. It will take some time, but it will be worth it. Find out what other single moms have already learned; you too can enjoy the financial freedom offered when you have improved your credit rating.

There are credit repair agencies that can help you, and we will also give you the steps to follow to do-it-yourself credit repair. You can compare the methods and choose the best credit solution for you, a single mom.

Bad credit can ruin your life. Did you know that if you have bad credit you may not be able to get credit cards, loans, or financing when you need it? And it doesn’t stop there. You may be passed over for that new job you are seeking, be subject to much higher insurance rates – or even be refused insurance, or be refused rental property just because you have bad credit. If you are granted credit, a loan or insurance, bad credit will normally cost you much more in interest rates, premiums and fees.

Many single mothers have found improving their bad credit can vastly improve their life situation. And credit repair is possible. The Federal Trade Commission offers information about The Fair Credit Reporting Act, which spells out consumer rights regarding credit reporting. Here are some of the things you can do to improve your credit, but remember, it takes time to do so. Here are some of the important steps to take to improve your credit:

1. Order your credit report. You are entitled to a free copy of your credit report every 12 months, so take advantage of the free credit report from each of the 3 credit bureaus.
2. Check your credit report carefully for accuracy. Most credit reports contain errors! Dispute any errors and negative items that you find. Each report will tell you how to file a dispute. Send any documentation that you have to support your dispute.
3. Pay your bills on time each and every month. If for some reason you have a problem, contact the creditor to make payment arrangements, and often you can avoid negative entries on your credit history.
4. Don’t apply for credit that you don’t need. However, if you have not established credit, apply for a secured credit card to start establishing your credit file
5. Don’t max out your credit cards. Use your credit wisely, and spread your balances between cards – try not to use more than 30% of your available credit on each account.

There are reputable and legal credit repair agencies that will help you repair your credit. Legal Online Credit Repair by saw firms such as Lexington Law can help you to maximize your results much more quickly and easily. They take care of everything for you.

Click here and Let a Law Firm Remove your Negative Items from your Credit Report!

Tags: financial help for single moms with bad credit, credit repair

OnlineCreditProfessor.com - IRS Reports Average Tax Refund So Far is $2,548

OnlineCreditProfessor.com
IRS Reports Average Tax Refund So Far is $2,548

This entry was posted on 3/20/2007 8:27 PM and is filed under Income Tax Filing,Income Tax Refund.
"Here is a great reason not to delay filing your tax returns. And you can prepare, print & e-file your federal return free. (limited time offer). I found this article today, and I had to share it with you. Think of all the ways a tax refund could help you.IRS: Average tax refund so far is $2,548 By JIM ABRAMS, Associated Press WriterTue Mar 20, 3:18 PM ET
"WASHINGTON - With nearly half this year's tax returns filed, the average refund is up more than $100 from last year at $2,548, Internal Revenue Service Commissioner Mark Everson said Tuesday.
Everson, in remarks prepared for a House hearing, said the tax agency had issued 50.5 million refunds out of the 60.9 million returns received as of March 10, for a total of $128.7 billion. He said the average refund was up about $125 from last year.
The IRS expects to process about 136 million individual tax returns in 2007. Everson said that about three-fourths of those already filed were done electronically, an increase of about 5 percent over the same period last year. More than 13.3 million e-filed from their personal computers.
Everson noted that those who file electronically can usually have their refund deposited directly into their bank accounts in two weeks or less, about half the time it takes to process a paper return.
So far, the IRS has directly deposited more than 39 million returns, up 73 percent from the same period in 2006.
The IRS has also recorded 83.4 million visits to its Web site, a 9 percent increase, to get information on such issues as the Free File program for lower income taxpayers, the Earned Income Tax Credit and the Alternative Minimum Tax.
At the hearing, Everson said the agency doesn't want to put new burdens on honest taxpayers in explaining to impatient lawmakers why it will take time to reduce a tax gap estimated at near $300 billion annually.
"The problem is the more you do the more you get into incremental burdens and the more controversy you get," he said.
The IRS, in a report last year, estimated that in 2001 the gap between what individuals and companies owed and what they paid was $290 billion even after enforcement efforts and collection of late taxes.
Lawmakers have seized on this shortfall as a way of funding legislative priorities while keeping the budget deficit in check, but the Bush administration budget proposal for next year offers proposals that would cut the gap by only $29 billion over 10 years.
"I thought and I hoped that we would have had more energy from the administration in efforts to close that tax gap," said Rep. Richard Neal (news, bio, voting record), D-Mass.
Lawmakers questioned whether the proposed IRS budget of $11 billion for fiscal 2008 was enough to increase the effectiveness of an agency that collected $2.4 trillion in 2006.
Everson said one of the most important steps the administration is promoting is more third-party reporting such as expanded broker information reporting and reporting on merchant payment card reimbursements.
Only 1.2 percent of wages reported by employers on W-2 forms is underreported, but there is a 53.9 percent underreporting rate for income subject to little or no third-party reporting, he said.
He also cited figures showing a rise in IRS audits, particularly of larger corporations and wealthy individuals. "Going after the corporations and the high income folks was job one for me in the last four years."
Several lawmakers asked about a program begun last September under which private collection agencies that contract with the IRS can keep up to 25 percent of the money they receive from delinquent taxpayers. As of a month ago, these agencies collected $14.47 million in gross revenue, Everson said.
"The IRS could do this work cheaper," Everson acknowledged. But he said that with current personnel levels it would "take a number of years of hiring and training before we would get to the work you are talking about.""
Stop procrastinating - you may be entitled to a sizable refund on your taxes! TurboTax, the #1 trusted tax software, is offering a FREE edition of their online tax preparation program. From now until March 31st, 2007 you can prepare, print & e-file your federal return free. Limited Time Offer. Start Now. "

Tags: federal tax refund, e-file federal tax return fast refund

WDBJ7 Roanoke News and Weather NRV Lynchburg Danville WDBJ 7 | Scam Alert 7 - Identity Theft Protection

WDBJ7 Roanoke News and Weather NRV Lynchburg Danville WDBJ 7 Scam Alert 7 - Identity Theft Protection: "The best tool known for cutting down on identity theft is education. If consumers are aware that they may be putting their personal information at risk, they are less likely to fail victim to scammers.
Whether it's by phone, through the mail or over the Internet, if a financial opportunity sounds too good to be true, it probably is. That was one of the messages Attorney General Bob McDonnell shared with the newly-formed Financial Crimes Task Force. There are plenty of anti-scammer laws on the books in Virginia, but the new joint effort is focused on coordinating the investigations and better determining whose jurisdiction the crimes fall under.
Even with the new regional task force in place, cracking down on the scammers is extremely difficult. McDonnell says, 'Some of these scams only stay on the web for a day or two then they change the e-mail and they change the website they're on to some new scam. So that's why it's a challenge for law enforcement to ever pin these people down because they're truly the epitome of a moving target.'
Protecting your personal data is key to avoiding identity theft. "

Don't be a victim! There are proactive methods of protecting your personal information and avoiding identity theft. One of the best ways that we have found is LifeLock Identity Theft Prevention . LifeLock stops identity theft before it has a chance to happen, and they are the only service of its kind to offer a $1 million guarantee. Featured in coverage in The Wall Street Journal and Chicago Tribune, and on MSNBC, CNN, and many other national news outlets, everyone is talking about LifeLock and getting protection against identity theft.

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Tags: identity theft protection and prevention

OnlineCreditProfessor.com - Improve Your Credit Score

OnlineCreditProfessor.com - Improve Your Credit Score
"Understanding Your Credit Score
What does your score mean?
This credit rating system is meant to develop a snapshot of the risk you currently represent to a potential lender. Several factors in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are calculated to produce a three-digit score between about 300 and 950. While there are other scores used by lenders and insurance companies (some of which were developed by FICO) such as Application and Behavior scores, these other scores take other information into account. Most often a lender will use a combination of your credit score with several other factors when determining your credit risk. However, they all have the same objective, to determine the potential risk of a particular borrower. Whether the score was generated by FICO or another system based on FICO parameters, they all formulate an industry standard three-digit score. This credit score places the borrower in one of three main categories (we named the third one ourselves.) For up-to-date information on credit reporting, credit repair, identity theft, and other financial issues, go to the OnlineCreditProfessor.com Blog.
Get your Credit Score and Credit Report Now!
Prime, sub-prime, and shafted
Prime: If your credit score is more than 680, you are considered a "prime borrower" . You'll have no problem getting a good interest rate on your home loan, car loan, or credit card.
Sub-Prime: If your credit score is less than 680, you are "sub prime", and will most likely pay a much higher interest rate on your loan.
Shafted: Below 560 is the shafted credit score, or that is how most lenders and credit issuers think of it. You may still get a credit card but you will likely be hit with a security deposit or high acquisition fee. Also, your interest rate will likely be 22 to 23%. Forget about most home loans and the majority of new car loans at this score. Below 560 is not where you want to be. At this level, you will pay much, much more in higher interest and unnecessary fees. In addition, you may even pay more for your insurance rates, and a very low score can even prevent you from getting a job with many companies. If you're in this category Click here for help.
How are credit scores calculated?
The methods of formulating your FICO score may differ slightly depending on the credit bureau. When requesting your score from one of the Credit Bureaus it is important to understand that your score does not come directly from FICO. It is unique to each bureau and is given its own name: Equifax uses "Beacon", Trans Union uses "Empirica", and Experian uses "Experian/Fair Isaac." These credit scores are also referred to as your "Bureau Scores."
Since your score is derived from your bureau data statistics, the score will change every time your report changes. However your score is calculated, it will always take into consideration many different categories of information. No one piece of information, item, or factor determines your score. As the information in your credit report changes, the importance of one or several categories or factors may change in your FICO score. Potential lenders look at many things when making a credit decision, including your income and the kind of credit you are applying for. Your FICO score does not reflect these other facts as it only evaluates the information retained by the credit reporting agencies.
Learn more.
What factors affect your credit score?
There are five major factors used in credit scoring calculations that determine your overall credit score.
Previous Credit Performance (Payment History) weighted 35%. A potential lender wants to know what your prior payment history is like. Have you paid everything on time, are you late on any payments now, and so on. Your payment history is just one factor used in calculating your score, but it can be the very important.
Current Level of Indebtedness (Amount Owed) weighted 30% How much credit is too much? Can the borrower pay the lender and still afford to pay his or her other bills? When you have available credit it can actually help your ratio of debt to available credit. These are the types of questions that most lenders want to know and the answers are almost as important as your previous credit history.
Amount of Time Credit Has Been In Use (Length of Credit) weighted 15% Generally, the longer the credit history the better your credit score. However, this item only makes up 15% of your total score so even young people, students or others with short histories can still score well overall as long as the other factors are good. If you are new to credit there is little you can do to improve this part of your score, just open an account and be patient.
Pursuit of New Credit weighted 10% Credit is more popular today than ever before. Just look at the number of credit card and loan offers you get via the Internet and in the mail. Consumers can now shop for credit and find the best terms to meet their financial needs. Every time someone runs a credit check on you, it creates an inquiry.
Fair Isaac has changed some of its calculations to account for these trends - specifically, they will treat a group of inquiries - which probably represents a search for the best rate on a single loan - as though it was a single inquiry (note: this only applies to auto or mortgage loan inquiries.) For example, auto loan inquires within 14 days of each other only count as one inquiry.
Types of Credit Experience weighted 10%. Lenders are looking for a healthy mix of different types of credit accounts, installment loans, retail accounts, credit cards, and mortgage. While this factor is not normally a key element in determining your score, it can help a close score. It is not a good idea to try and open different types of credit accounts just to try and make this factor better, as it will likely reduce your score in other areas. Never open accounts you don't intend to use.
The type of credit accounts you have, and how many, can make a big difference. The optimal ratio of installment accounts versus revolving accounts depends on your profile and differs from person to person. One factor that appears to have significant influence on your credit score is your percent of open installment loans. Too many open installment loans can lower this portion of your score. For more information Click here
Improving your credit score
Now that you know how your credit score is calculated, you can begin making changes to your current financial planning. The best things you can do to improve your score are simple.
Pay all your bills on time. While it sounds simple, this is the most important thing you can do to keep your score high. Delinquent or late payments and collections have a major negative impact on your credit score.
Keep balances low on unsecured revolving debt such as credit cards. High outstanding unsecured balances can negatively affect a score. In addition, the amount of your unused credit is an important factor in calculating your score.
Only apply for credit that you really need.
Make sure that all the information listed on your credit report is correct. If it is not correct, dispute it with the credit agencies and/or with the creditor directly. Removing negative items on your credit report has the largest impact on your FICO credit score. Generally, negative items stay on your reports for at least seven years, but you can hire a professional credit report repair service such as Lexington Law Firm to repair your credit for you. While you can try to understand the laws and repair your credit yourself, we have found it's much easier to have a professional do it for you. We strongly recommend using Lexington Law Credit Report Repair, they are the industry leaders in credit repair, and they have a proven track record of removing negative items (even bankruptcies) from credit reports permanently."

Tags: improve your credit score, credit repair

Credit Repair In 24 Hours

Credit Repair In 24 hours!

This is something interesting I just found. This guy says he can help you clean up your credit in 24 hours. It could be worth a try if you are trying to get a loan or credit account, and are having trouble due to bad credit.

"Fix Your Credit Fast With This Simple System. Get Rid of Your Bad Credit and Debts Forever"

"Those credit bureau's destroy peoples lives. They track everything about everyone and they don't let people know how they are calculating scores. It's so stupid. They sell your information to everyone willing to pay. They tell everyone they can't change their scores. They tell you to just forget about that house or car or better job. Or they make you pay crazy interest rates.
I got so sick and tired of seeing these stupid scores ruining peoples lives. Don't get me wrong the bureau I was working for paid me a lot of money. After a while though I couldn't live with myself, it became harder and harder to get a good nights sleep.
Well it's your lucky day. You are about to get the insider information to boost your fico score through the roof.
Have me a former credit bureau manager reveal the legal way to jump your credit score through the roof.
Good credit is essential in America today, and there is a network of credit reporting agencies that keep track of your current credit rating and check your credit worthiness every time you apply for a loan, credit card or any other type of credit. If you feel overwhelmed and confused by your credit situation, this proven credit repair system will amaze you.

Credit Repair In 24 hours!

The Internet,
it's tough to know who to believe. There are so many people making ridiculous claims, it's insane. It's like day after day, you get hit with hype pitch after hype pitch. In a moment, I'll tell you specifically what I can do for you. But first, here is why you should believe me to begin with:
Here are 4 good reasons to believe what I say:
One: I've been in this business for a very long time. My kind of experience is very rarely matched. Many bankers and even credit bureau professionals do not know many of these techniques.
Two: I am not asking you for some large investment that is going to make me rich and you poor.
Three: I hate the credit bureau's. They track our every move, they should be illegal. Working for one I learned all their little secrets.
Four: How many of these people selling these so called kits have been on the inside. My guess is none after reading the garbage in most of these packages.
Before you read another word, why not sign up to receive my FREE helpful & insightful newsletter on the latest tips and secrets to mastering your credit and managing your debts? This weeks article is how to buy a house or car without a credit check.
TESTIMONIALS:
The testimonials below are just a small sample of people who have consulted me or followed the techniques of this product. My customers are from all over the country. My formula works for everyone willing to try it.

"This was the best think I ever did. Your package made me feel like I had a friend on the inside. It allowed me to buy my first home. Thanks." - Peter King, Miami FL


"You helped me get a brand new car. Let me take you for a spin. LOL" - Susan Ward, Owner of a New Car
You'll learn what they don't tell you about your "credit", your "credit score", and your "credit habits"... It's much more than just repairing your "credit report"!
I'll also show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks, sometimes even free.
Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.
The Fact Is: You don't need a lawyer to eliminate your debts!
In Fact: You don't need a credit counselor to fix your credit for you!
In Fact: You don't need any kind of so-called professional to help you at all!
Many Times it is actually bad to have a "So Called Professional" try to fix your credit
OK. Let's get down to the good stuff:
Even if your debt is your fault, find out how to effectively restore your credit rating without being dishonest.
How to get a no cost $0.00 COPY of your most current credit report!
How to get the credit bureaus to actually decode your report!
How to get incorrect, negative and misleading information quickly, easily and LEGALLY removed from your report!
How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!" or even erased like they were never there.
How to instantly add 10 years of good credit to your credit history for free!
And That's just the beginning!!!
Never be denied or rejected because of credit problems again
Get the mortgage or car loan you want with a low rate and low payments – Credit won’t be an issue
Get the best loans only made available to the “elite” with an excellent credit rating
Get qualified for business loans in a snap
Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)
Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!
Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!
The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!
No credit can be just as crippling as bad credit. Learn how to build YEARS of excellent payment history in less than 30 days
Get our exclusive list of no credit check lenders
The secrets you need to know in order to raise your credit scores by up to 200 points
How to save hundreds of dollars by restoring your credit rating for FREE
The secrets to getting dozens of Pre-Approved offers in your mail box
Small changes you can make right now to take your credit from good to EXCELLENT
How to get a fresh new credit report legally
3 ways to boost your credit score by 50 - 71 points in 30 days or less
How to insure you’ll never be turned down for credit again!
Discover the real secret behind getting negative items removed from your credit without committing fraud
I offer a 90 day unconditional guarantee.
You'll learn what they don't tell you about your "credit", your "credit score", and your "credit habits"... It's much more than just repairing your "credit report"!
I'll also show you the steps for removing negative items from your credit report using the secrets, tips, and techniques that credit repair companies use to repair credit. Because of your lack of credit knowledge, they can charge hundreds of dollars for something that you can, and should, do yourself for a few bucks
Bad credit is big business and companies reap millions of dollars every year from people's lack of knowledge about their credit and FICO score! How?... With extremely high interest rates, huge down payments, fees, late charges, and penalties.
The fact is: You don't need a lawyer to eliminate your debts!
In Fact: You don't need a credit counselor to fix your credit for you!
In fact: you don't need any kind of so-called professional to help you at all!
Many Times it is actually bad to have a "So Called Professional" try to fix your credit
OK. Let's get down to the good stuff
How to get a FREE COPY of your most current credit report!
How to get the credit bureaus to actually decode your report!
How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!
How to get your spouse's (or former spouse's) negative information permanently disjoined from your credit file(s)!
How to get your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as 5% to 10%) and at the same time agree to report these newly reduced debts as either "paid-in-full," or "paid satisfactorily!"
How to instantly add 10 years of good credit to your credit history!!!

How to get incorrect, negative and misleading information quickly and easily (and LEGALLY!) removed from your report!
And That's just the beginning!!!
Even if your bad credit is your fault, find out how to restore your credit rating without lying or being dishonest with your creditors.
Discover how to Instantly Add Up to 10 Years of Excellent Credit History to Your Credit Report (This secret alone is worth its weight in gold… It’s absolutely priceless!)
Never be denied or rejected because of credit problems again
Get a mortgage or car loan with a low rate and low payments
Get the best loans only made available to the “elite” with an excellent credit rating
Learn how I increased my credit score by 150 points
Get qualified for business loans in a snap
Find out how you can send out one simple letter and erase your bad credit forever (It takes just 10 short minutes and it’s absolutely free!)
Instantly clear up all your bad credit troubles FOREVER - Guaranteed in writing!
Uncover the secret to getting your creditors to actually agree to settle all your debts for just a fraction of their original amounts (often as little as .25 on the dollar) and at the same time agree to report these newly reduced debts as either “paid-in-full,” or “paid as agreed"!
The step–by-step, easy to follow system attorneys and credit repair specialists use to remove negative items from your credit report – PERMANENTLY!
No credit can be just as crippling as bad credit. Learn how to build YEARS of excellent payment history in less than 30 days
Get our exclusive list of no credit check lenders
The secrets you need to know in order to raise your credit scores by up to 200 points
How to save hundreds of dollars by restoring your credit rating for FREE
The secrets to getting dozens of Pre-Approved offers in your mail box
Small changes you can make right now to take your credit from good to EXCELLENT
How to get a fresh new credit report legally
3 ways to boost your credit score by 50 - 71 points in 30 days or less
How to insure you’ll never be turned down for credit again!
How to get the loan you want, the car you desire, and the house of your dreams – Credit won’t be an issue
Discover the real secret behind getting negative items removed from your credit without committing fraud
I offer a 90 day unconditional guarantee.
You will also find out where to get a pre-approved $5,000 platinum credit card - today!

Credit Tip Alert From Rick: Monitor Your Credit
If you want to improve your credit score fast you have to monitor your credit.

Why Monitor Your Credit?

Here are the basic reasons

1) Identity theft
2) Inaccuracies and mixed files
3) Inquiries
4) Tracking payments
5) Quick disputing process online

I don't care if you already have a copy of your credit report. This credit monitoring service is $12.00 per month but it will let us dispute online. It also lets us view all 3 of your reports. There are a lot of reasons this is the best service on the market. (and yes I know you can get a free copy of your credit report from each bureau) they are useless when it comes to fast credit repair. Credit Repair In 24 hours!
THE FIRST MONTH IS $0.00
PS: THIS IS A MUST IF YOU WANT FAST CREDIT REPAIR. We have to be able to monitor your credit online. This also gives us the ability for quick easy disputes.
PSS: If you don't want to pay the $12.00 a month just do it for a few months until your credit is cleaned up. THE FIRST MONTH IS $0.00 you may easily cancel at any time.
I'll show you everything that only the very elite professionals know
Did You Know That:
There are 3 National Credit bureau's
They do not share information. Credit bureau's are businesses. It is not in their best interest to share information with competitors (other bureau's). This is one big advantage to you.
Credit bureau's all compile their own score for you. This is commonly called your FICO score.
FICO stands for Fair Isacc Company. This company developed the software that the 3 main bureau's use to calculate your credit score.
When you purchase a big item such as a car or house the financial institute will pull your credit from all 3 bureau's and take your middle score as your FICO score.
Most banks and large financial institutes report late payments etc with all 3 bureau's. Most smaller companies only report to one. This is due to cost restrictions. Most smaller companies are under a contract with a particular bureau. For example if you don't pay a phone bill it will most likely only show up on one bureau's report.
Your FICO score is a formula that can be manipulated to your advantage if you know how the formula is calculated.
I will show you how to manipulate your score and jump it so fast your head will spin!
Some reasons to let me help you always get a:
"YES" every time you want to buy something on credit.
1. I guarantee my product.
Guarantees show you that we are confident enough to put the risk on our shoulders and take it off of yours. I know that this product will help you. The information contained in this product will amaze you
2. Here's how you can contact me.
3. I hate the credit bureau's for what they do to people's lives. I have seen the bad effects first hand. When I worked for a bureau before I just had to bite my tongue in order to keep my job. Well it's time to get even.
This formula is so easy to use. You will be an expert in no time. You will save years of trial and error.
4. You can do this on a shoestring budget.
Get the package and there are no other costs or ongoing fees. the best part is if you have items you want erased, you can do most of them for free. You know that old cable bill or telephone bill that is sitting on there? Let's get those erased for good & with $0 additional cost to you.
5. You get INSTANT ACCESS to this product.
My product is downloaded from the Internet. After your payment is submitted, you'll be directed to a private download page where you'll download your copy of my system. No waiting. You'll have this credit repair system in your hands only minutes from now.
Here is exactly what to expect when you order my product:1) You click the "Order Now" button at the bottom of this letter.2) You fill out the required information and hit "submit"3) You are automatically brought to the download page.4) Click "download" and open the file.
That sounds pretty simple, right?
6. Credit Repair is NOT complicated.You don't have to have a financial degree to understand this. With the forms I am sending you can simply fill in the blanks.
7. My product is the ONLY technology, based on my unique combination of my loans officer experience and my credit bureau manager experience.
8. My formula is practical and not theoretical.
So many people who tell you how to improve your credit have never been involved in that business.
I've been in the trenches and have worked with professionals in the credit field for most of my adult life.
My formula is credible information based on my real-world experience.
Still Undecided? Need More? Well, How About This... "

Credit Repair In 24 hours!

Tags: fast and easy credit repair in 24 hours, improve credit score fast

OnlineCreditProfessor.com - Is Credit Repair Legal?

OnlineCreditProfessor.com
Is Credit Repair Legal?

"This entry was posted on 3/12/2007 8:43 AM and is filed under Credit Repair,Credit Report,Credit Rating,Credit Score.
Is Credit Repair Legal?Credit repair is the process of re-establishing or restoring your credit. It can also be a method of improving your credit score. Is it legal? Yes, of course it is legal. The methods of credit repair that we recommend are totally legal, and can help you greatly to save money over time.Let's take a look at what is necessary to repair credit. First, you must obtain a copy of your credit report. This is easy. You are entitled to a free credit report once each year from each of the major credit bureaus. Go to http://www.annualcreditreport.com/ for instructions on ordering your credit reports. You can even access them online. Next, check your credit reports carefully for any clerical errors such as payments posted as late that were not late, and especially for any credit accounts that you did not open. Any accounts that you do not recognize could be a sign of identity theft. Check also for incorrect address information, and any other personal information about you that is not correct. Each of the credit reports will supply you with information as to how to dispute any erroneous information or listings on your credit report. DO IT, don't wait until you need a loan, mortgage, or credit card. Dispute any erroneous items immediately, especially if you think you have been a victim of identity theft.Finally, take steps to Clean Up Your Credit Report. Pay your bills on time each and every month. Don't open credit accounts that you don't need, and use your credit wisely. Be careful to spread your purchases among your credit accounts so that any one account does not use more than 30 percent of your available credit. Do this over the next 6 - 12 months, and watch your credit score improve. You can repair your credit, but it takes time. For anyone who needs faster results, or help due to extremely bad credit, don't hesitate to contact a reputable credit repair service such as Lexington Law. They offer Legal Online Credit Repair, with guaranteed results. You don't have to live with bad credit. Now is the time to get your finances in order, and start down the road to improved credit and credit scores. The benefits of good credit are well worth it."
Tags: legal credit repair, improve credit score

Online Credit Professor - The Truth About Credit Repair

OnlineCreditProfessor.com
The Truth About Credit Repair

This entry was posted on 3/6/2007 9:45 AM and is filed under Credit Repair,Credit Report,Credit,Identity Theft.
The TRUTH About Credit Repair…Here is a very good article about the ins and outs of credit repair by Sebastian Foss
"Have you ever wondered what companies send you when they claim you can erase your bad credit overnight? How about those ads that say you can get any major credit card 100% Guaranteed regardless of your credit?
Ads abound almost everywhere (online and off) selling books, systems and secrets to help you fix your credit in a hurry. Many of these programs have claims which read like the covers of supermarket tabloids “In 3hrs my credit score jumped from 580 to 676!”… “Erase bad credit and smash your debts with just 2 Magic Letters!”. "Create a completely new credit file in 24hrs!” Are these types of claims ALWAYS too good to be true? The answer is “Yes and… no”.
While many people would love for you to believe that the only thing that can fix bad credit is time; in reality… nothing could be further from the truth. The fact is, time is only one factor which will fix a credit report (but it’s a far cry from being the only factor). How can I back this up? Easy. Under a consumer protection law known as the Fair Credit Reporting Act (a.k.a. the FCRA) the only negative information which can remain on your credit report is not what is accurate… but what can be proved as such. What’s this mean to you?
It means any negative item on your credit report can only remain there if it is accurate and CAN BE PROVED AS ACCURATE under the guidelines of the FCRA. This undisputable fact presents consumers with both good news and bad news. The good news is that through the FCRA your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.
The bad news is that while the actual “work” will take very little of your time, it is vital that you have good information on “how” to go about it. This is the bad news; 9 out of 10 courses on restoring your credit will do nothing more than lead you into a snake pit. This is because they provide you with out-dated “Boiler Plate” dispute letters which are rarely effective. These are nothing more than form letters and… quite frankly (more bad news) the Credit Bureaus and Creditors will laugh at you if you try to use them.
While I agree with the Federal Trade Commission (FTC) that “Anything a Credit Repair Clinic can do for you legally, you can do for yourself at little or not cost”… the key element you need for success is the latest inside techniques and procedures to get the results you want. These involve strategies known as “Proof of Contract”, “Constructive Notice”, “Challenge of Procedure” or “Restrictive Endorsement” and many others.
All these terms may “sound” impressive but they are really quite simple. In the end, it is nothing more than a method of communication which exercises your consumer protection rights, gets the results you want and raises your credit score. Even more impressive, once you learn how simple it can be by doing it for yourself, you will find there is a fortune to be made doing it for others! Either way, it all starts by requesting a free copy of your credit report by " Clicking Here For Credit Secrets Bible™" To receive Free Credit Tips including “How to Bullet-Proof Yourself From Identity Theft For FREE!” "
I found this to be a very imformative article about credit repair. While it is easy to do, sometimes you may require help from a credit repair agency. If so, don't live with bad credit, seek help when you need it.Tags: credit repairMore blogs about credit repair.

How LifeLock Protects Your Identity

How LifeLock Protects Your Identity
LifeLock is an amazing service that protects consumers and businesses from identity theft before it happens! We found a very good description of how it works at Identity Guard Central.
"How It Works
HERE'S HOW IT WORKS
When you become a LifeLock client, they set alerts on all of your credit reports (there are more than just the "big three"). These credit report alerts will usually be set within an hour of enrolling at LifeLock . You will start receiving letters from the credit bureaus about 7 days after enrolling, to confirm that your alerts have been placed.
While your initial locks will be set within about an hour of your enrollment with LifeLock , they must be renewed every ninety days to stay in effect. LifeLock takes care of this for you automatically.
In two to four weeks, you will receive credit reports from Equifax, Experian and TransUnion, the three largest national credit bureaus. Most importantly, LifeLock's guarantee is in full force from the moment you enroll. They will re-order these reports periodically for your files.
The great news is that you will stop receiving pre-approved credit offers and your junk mail load will be reduced dramatically. Many people tell us that if nothing else, reducing the junk mail alone is worth the price.
Of course, you can do everything listed above yourself for free. However, it's the details of actually doing it, then re-doing it, then dealing with any problems that arise, then keeping up on the changes in the procedures of the bureaus, the new databases that are coming online, and the laws that become too much for most people and the reason that tens of thousands of people have turned to LifeLock.LifeLock Identity Theft Prevention - Save 10%
Your Identity is much more than credit fraud. Although it can take many hours and even years to repair, damage to credit reports is often the easiest thing from which to recover when your personal information is stolen. Every day, all over the United States, identity theft victims find themselves being arrested, denied earned entitlements, being passed over for promotion, not getting hired or, worse, actually getting fired, not getting rental leases, not getting insurance, paying higher life, health and auto insurance premiums, facing the IRS because an audit alert has been triggered...the list is long and limited only to the thief's imagination and industry. LifeLock is constantly updating their systems, adding new databases, working to educate legislators and congress, and helping to track down and prosecute the thieves. These thieves have literally unlimited resources, unlimited time and no scruples whatsoever. LifeLock has integrity and operates within the law, but they have no mercy whatsoever for the thief. That's why they stand behind everything they do with a $1 million guarantee.LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee! Click here to get a 10% discount.
In the unlikely event your lock is picked and you find yourself fighting to regain your good name, LifeLock is going to do the fighting for you. They are going to pay for the fight, and make sure that you get every dollar back, lost wages, attorney's fees, costs, actual losses, every dollar up to $1 million. Period. No fine print. If your Identity is stolen while you are a LifeLock client, and your claim is legitimate, they're going to do whatever it takes, for however long it takes, however much it costs to fix it and you won't lose a dime, again, up to $1 million.
Here's what you can expect: Your personal information is locked. It's patrolled and guarded by the experts. If your personal information is stolen, you're covered and you'll have the best in the business fighting for you. No one else does that. "

Tags: identity theft prevention

Southern California InFocus - Understanding credit scoring and credit repair

Southern California InFocus - Understanding credit scoring and credit repair


"Understanding credit scoring and credit repair

By Uzma Afzal
This article is intended to provide information to all people trying to improve their credit score, including those seeking a riba free loan. Credit remediation is a subject consumers often face with fear and trepidation, and for good reason. With the exception of recognizing that the best score wins, the average home shopper knows very little about the whole credit scoring process. Sub-prime borrowers who are eager to move into A-Paper territory often find themselves at a loss when trying to find ways to upgrade their credit history. The good news is there are ways to improve less-than-perfect credit scores and obtain a loan for the home you really want.
The first step in the process is making sure that you have a current copy of your credit report. Congress recently amended the Fair Credit Reporting Act so that consumers may now receive one free credit report annually. There are three major credit bureaus: Equifax, Experian, and Transunion. Since entries can vary across bureaus, you’ll want to request a free report from each of the three companies. (Go to www.annualcreditreport.com)
It’s also important to know just what a good credit score is. Most A-Paper scores generally begin around 680, although this number may differ slightly among lenders. Don’t despair if you come up shy; there is always room for improvement. Increasing your score just 5 points can save a significant amount of money. For example, if your score is 698 and you increase it to 703, then you could save yourself thousands of dollars over time as a result of a slight improvement in your loan’s interest rate.
While credit repair is necessary for some, it’s not the only way to increase your credit score. Even if you have stellar credit, you can enhance your score through these steps:• Evenly distribute your credit card debt to change the ratio of debt to available credit. Let’s say you have a credit score of 665. If you have debt on only one card, and four additional credit cards with zero balances, evenly distributing the debt of the first card could move you closer, and possibly into, that ideal bracket.
• Keep your existing accounts open and active. The average consumer is usually anxious to close credit card accounts that have zero balances, but doing this can cause them to lose the benefits of a long-term credit history and increase their ratio of debt-to-available credit. The bottom line is don’t close those old accounts!
• Keep credit inquiries to a minimum. Each inquiry into your credit history can impact your score anywhere from 2-50 points. When it comes to mortgage and auto loans, even though you’re only looking for one loan, multiple lenders may request your credit report. To compensate for this, the score counts multiple auto or mortgage inquiries in any 14-day period as just one inquiry, so try and stay within that time frame.
Remember, credit scores don’t change overnight. Improving them requires time and diligent effort on your part, so it’s a good idea to get the ball rolling at least three to six months prior to submitting your application for home financing.
If credit repair is what you need, you can either begin the process yourself or seek out a repair service. If you decide to make your own improvements, visit as many websites as possible to get information regarding credit laws and consumer rights. Diligently search through them and educate yourself to ensure that you don’t sustain any self-inflicted wounds. A good place to start would be the Federal Trade Commission’s (FTC) website, which contains a wealth of helpful literature.
If you’re facing severe or complicated credit issues, then you’ll probably want to enlist the assistance of a professional credit repair company. Before you do, be sure to familiarize yourself with the FTC’s regulations on credit repair. With over 1,100 credit repair companies to choose from, it’s important to be certain you are dealing with a reputable firm. Examine the FTC’s information on fraudulent practices to avoid falling prey to credit repair scams. Addressing credit issues can be uncomfortable to say the least. But by taking these steps now, you’ll be that much closer to obtaining the home of your dreams.Additional Resources:
To order your free credit report, go to:
http://www.annualcreditreport.com/To read the Fair Credit Reporting Act, go to: http://www.ftc.gov/os/statutes/frca.htmlForFor the Federal Trade Commission’s information on consumer credit, go to:www.ftc.gov/bcp/conline/edcams/credit/index.html"

Tags: understand credit score and credit repair

What Is A Credit Report and Why Does It Matter

What Is A Credit Report and Why Does It Matter
What Is A Credit Report and Why Does It Matter

"We've all heard of it. We all know we have one and have probably spent a fair amount of time thinking about it, but the fact of the matter is that most people have never seen theirs. So, what is it? Our credit report. Oddly enough, even though our credit report influences just about every aspect of our financial life, most of us have never even seen ours, let alone know what our FICO or credit score is. Not only will understanding your credit report help you make important financial decisions, it can also help you see just what it is that is keeping you from getting the credit that you may need.What Is A Credit Report?A credit report is a document that includes all your pertinent personal and financial information. It will contain your full legal name, your social security number, previous and current addresses, date of birth, and current and previous employers. This information has been obtained from any previous credit applications you have filled out.This report will also include information about any financial accounts you have now or have had in the past. This will include any loans, credit cards and their credit limits, monthly bills, and so on. It will also include the names of any other persons that may be responsible for payment on these accounts.Any financial situations that you have been involved in that are public record will also be included. This means that judgements, tax liens, bankruptcies, overdue child support, etc., will also show up on this report.Inquiries are also marked on your credit report. Anytime you apply for a loan, credit card, or anything that requires an institution to request a copy of your credit report, it will be noted.What Is My Credit Score and Why Is It Important?Basically your credit score is based on a mathematical equation that evaluates all the information on your credit report. The end result is called your FICO Score. FICO stands for Fair, Isaac, and Company, the organization that developed the scoring mechanism. This score is what will be used by companies to determine whether you are a safe financial risk or not. In order to even have a FICO score, you must have at least one open account on your credit report and that account needs to have been open for at least six months.Your score is influenced by your financial history. Outstanding debts past 30 days, consistent late payments on monthly bills, and any collection action that has been brought against you will determine what your score will be. Your credit score will influence not only the decision to give you the loan or credit card, but also the amount of interest to attach to the line of credit. The higher your credit score, the lower your interest rate and vice versa.Knowing and understanding your credit report is vital to getting a mortgage, car loan, and even renting an apartment or getting a job. If you have never seen your credit report, check it out soon. There is a chance that yours may contain errors and it's critical that you get those errors cleaned up quickly."

This is a very good article to help you understand your credit report. For further information you can also see the discussion "Understand Your Credit Report" at Online Credit Professor. Suzanne Busby, the Online Credit Professor, does an excellent job explaining your credit report, and how to fix any errors or problems you may find on your credit report. In her blog, Online Credit Professor Blog, she also give advice and tips regarding how to obtain your credit report for free, as well as other relevant personal finance topics.
Tags: understand your credit report

Repair Your Credit Report - Increase Your Credit Score

Repair Your Credit Report - Increase Your Credit Score
Can Bad Credit be Deleted?
Yes, it can. Despite the fervent protestations of bureaucrats and credit bureaus everywhere, a simple fact remains: negative credit items are deleted from peoples' credit reports by the thousands each and every day. So if you have been worrying about bad credit, or haven't been able to get a car loan, or mortgage, don't despair. Bad credit items CAN be DELETED.
A couple of years ago, an attorney from Lexington Law. visited with a regulatory agency for a casual conversation with two agents. The Agency's office, as a matter of course, believed the major credit bureaus' claim that bad credit couldn't be deleted. The visiting Lexington Law attorney asked, "How many negative listings would you have to see deleted from consumer credit reports before you would believe that bad credit can be deleted: ten? fifty? a hundred? one thousand?" The agents responded with blank stares.
"How about 50,000 deleted negative listings, would that convince you?" continued the Lexington attorney. He pulled a stack of papers six inches high from his briefcase .
"In these pages, we have listed the permanent deletion of over 50,000. negative listings from our clients' files in the last two years alone," he explained. The government agents pulled the stack across the conference table and began to look through the pages, taking in the massive list.
"But have you deleted any bankruptcies?" shot back one of the agents, "we know that bankruptcies can't be deleted." The Lexington attorney leaned across the table and ran his finger down the first page.
"There's one deleted bankruptcy... and, there's another,... and another,... and another. Should I go on?" asked the Lexington attorney.
The agents sat back in their chairs. "You know," began the junior agent, "I have this one listing on my credit report that simply must belong to somebody else..." For more information on credit reporting, credit repair, identity theft, and other financial issues, go to the OnlineCreditProfessor.com Blog.
How is credit repair possible?
The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." When a consumer files a dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. Learn More."

Tags: fix bad credit, credit repair