Identity Theft
Believe it or not, someone wants to be you. Not for the rest of their life but only long enough to use your credit cards, bank account and anything else you may have of value for their own personal benefit. They become you by stealing your identity. Although stealing someone's identity isn't new ... more...

Get Your Credit Score To Soar In The Twinkling of An Eye
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home ... more...

How Identity Theft Occurs
In the course of a busy day, you may write a cheque at the grocery shop, charge theatre tickets, rent a car, post your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don't give these everyday transactions a second thought. But an identity ... more...

Affiliate Opportunity: The "Bad Credit" Market
If you are an affiliate, you will want to consider promoting programs catering to individuals with bad credit. Why? Because of the tremendous demand!Millions of consumers have less than perfect credit. In addition, in 2004 nearly 1.6 million people in the United States filed for bankruptcy and ... more...

How To Place Yourself in the Secure Society
Identity theft has become the fastest growing criminal activity in the 20th Century, replacing illegal drug sales. For the perpetrators, it offers the highest profit margin with the least risk. In fact, according to one expert, it is estimated that fewer than 1-in-700-identity crimes actually ... more...

Credit Scores and Loan Applications
Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit ReportIt can make a difference of up to 18% in loan repayment costs. For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.59%, or $860 per month, while ... more...

Warning: Free Credit Report Imposter Websites Springing Up on the Web
A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting companies to provide consumers with a free copy of their credit report, upon request, once every 12 months.Access to the free credit reports has been phased in beginning last ... more...

Consumers Beware of Credit Scams
The advertisements for credit repair are all over. You see them on tv, in newspapers, online, and hear them on the radio. But there are facts that you need to know that they do not include in those advertisements. Behind those advertisements can be scammers.Your credit score is an important ... more...

What is Identity Theft?
How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, credit card number or other identifying information, without your permission to commit fraud or other crimes.Identity theft is a serious crime. People whose identities have been ... more...