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Social Security Cards Do Not Belong in Wallets

The Social Security Administration addresses why you should not carry your social security card in your wallet.

Perfect Victims of Identity Theft

Victims of identity theft are usually the perfect victim. They have perfect credit, that's why they were targeted.

Identity Theft is the New Millennium Crime

Your identity is easily obtainable through many sources. We are all potential victims.

Identity Theft Description

Identity Theft is obtaining your personal information and using it to commit fraud.

Discovering you are a Victim of Identity Theft

You may not know you are a victim of Identity Theft until you are in a situation where for example you are stopped for a traffic offense and discover ...

Identity Theft is Hard to Prosecute

Identity Theft is difficult to prosecute because it is difficult to obtain evidence against the criminal.

Identity Theft From Mail

Out of all the ways someone can steal an identity, mail theft is the most common form of Identity Theft.

Targets of Identity Theft

People need to think creatively to avoid becoming a victim of identity theft. Utility bills and cell phone bills could be easy targets.

FTC Provides Information on Identity Theft

The Federal Trade Commission is building a nation wide data base for law enforcement agencies on Identity Theft

FTC Nationwide Database for Identity Theft

Local authorities can be notified if ID theft information relating to an ongoing investigation is input into the system.

Tracking Cases of Identity Theft

One of the challenges in pursuing a case involving Identity theft is the fact that it can move quickly across state lines.

Identity Theft Pretexting

Another form of Identity Theft seen by the Federal Trade Commission is Pretexting.

Identity Theft Pretexting Description

Pretexting is the practice of obtaining personal information under false pretenses.

Pretexting is Illegal

Congress has passed legislation making pretexting Illegal. Avoid giving personal information online or over the phone when possible.

Dealing With Debt Collector Calls after Identity Theft

You need to know your rights when debt collectors call and you are a victim of Identity Theft under federal guidelines.

Identity Thieves Like Your Mail

Beware of things like blank credit card applications and convenience checks from credit card companies in your mail. You can easily OPT-OUT

Toll Free Number for Credit Agencies

Credit agencies now have a toll free number that you can use to exercise your opt-out right: 1-888-5-OPTOUT

Control Your Personal Information

Credit bureaus are not the only source of credit information for direct marketers. Control what information gets put out to marketers.

Fair Credit Reporting Act

A victim of Identity Theft needs to know what sort of protection The Fair Credit Reporting Act offers

Credit Agencies Charge a Credit Report Fee

Under normal circumstances credit reporting agencies charge a fee to get your credit report. A victim of Identity Theft can get their report free.

Review Credit Report After Identity Theft

A credit report is an essential tool for a victim of Identity Theft. It will allow you to pin point which areas of your finances were tampered with.

Steps to Take for Identity Theft Victims

The most important thing that a victim of Identity Theft can take is file a fraud alert with the credit reporting agencies and file a police report.

FTC Identity Theft Clearing House

The Federal Trade Commissions Identity Theft Clearinghouse is maintaing your information as an open file for law enforcement agencies to access.

Preventing Identity Theft

The 2 most effective tools in preventing Identity Theft is your credit report and your social security information.

Pull Credit Report Annually

Pull your credit report annually to stay updated with your status. Use an anniversary as a reminder date for doing this.

Do Not Carry Social Security Cards

There is no reason to carry your Social Security Card. Take it out of your wallet or purse and store it in a safe location where it won't be lost.

Identity Theft from Government Databases

It is rare to have identity theft result from personal information being stored in government databases

Fake Social Security Number

You should not give a vendor or business a false Social Security number.

Giving Out Social Security Information

Any commercial enterprise or government agency has the right to ask for your Social Security number.

New Social Security Number Not Always Good After Identity Theft

It's not always a good idea to get a new Social Security number when you have been a victim of Identity theft.

Issues With New Social Security Number

Wage reporting to the Social Security Administration is not a problem if you change your number

Contact 3 Credit Reporting Agencies After Identity Theft

When people discover their Social Security number has been compromised you should work with the three credit bureaus to find a solution.

Having a 2nd Social Security Number is Not a Good Solution

Obtaining a second Social Security number is not a good solution for Identity Theft.

Identity Fraud Increasing

Former FBI agent reports a rapid increase in the rate of Identity Fraud across the united states.

The FTC Reports Increased Consumer Complaints

The FTC has reported a significant rise in consumer complaints over the last few years, in fact they have almost doubled.

Technology Making Identity Fraud Harder to Stop

Sophisticated networks using the latest technology is making Identity Fraud tougher to stop.

Consumer Responsible for Own Identity

The consumer is responsible for protecting their own identity. However, technology is being put into place to assist the consumer.

Successfully Addressing Identity Fraud

To successfully address Identity Theft requires a partnership between the consumer, business, and the government.

Identity Thieves Are Business Minded

Criminals who are successful are good business people. They have had great success with Identity Theft.

FTC Identity Theft Clearinghouse

The Federal Trade Commission maintains the FTC Identity Theft Clearinghouse.

The Value of Your Personal Identity

A lot of people in our society don't appreciate the value of their personal identity, however it's a person's most valuable asset.

Laws Relating to Social Security

There is no law against companies or vendors asking you for your Social Security number. There is no law stating people are obligated to give these ve...

Identity Theft Victim

Jennifer Romero explains how identity theft can happen, after becoming a victim.

File a Police Report with Identity Theft

Sometimes local authorities will not let you file a police report for Identity Theft. This clip Includes an interview with an actual Identity Theft vi...

Obtain Copy of Credit Report

Check your credit reports to see if there have been inquiries by credit companies.

Resolving Identity Theft

It is important to do everything right the first time when dealing with Identity Theft so that it can be resolved quickly. Save documentation and send...

Document Everything After Identity Theft

It is important to get all correspondence with credit companies in writing. Do not call them. You cannot document a phone call. Clip Includes intervie...

Resolving Identity Theft Alone

It's recommended that you get an attorney to deal with Identity Theft rather than try and resolve the problem by yourself.

Consult Attorney for Identity Theft

If you don't have the time to track down fraudulent credit issues use an attorney who specializes in credit issues.

Family Members Can Steal Your Identity

Checking your credit report every few months will allow you to see if anyone has been tampering with your identity.

Contesting Your Credit Report

Your credit report can give you all sorts of usefull information when you are dealing with potential Identity Theft

Credit Repair Outfits

Credit repair companies could be a potential ripoff. Don't apply for a new Social Security number. Clip includes an interview with an ID Theft victim.

Emotional Loss After Identity Theft

The main thing a victim of Identity Theft loses is their peace of mind.

Losing From Identity Theft

Victims of Identity theft lose more than dollars, they lose time and peace of mind. Interview with ID theft victim.

Make Internet Safety a Top Priority

Learn how and why it's important to protect your information and identity when shopping online.

Businesses Protecting Customer Data

Businesses need to take the necessarry steps to protect their customers information, and only keep records they need.

US Credit Structure Balance

The US and its credit structure affects businesses and consumers on a daily basis. Understand how the balance is kept.

Budgeting Monthly Finances

Budgeting your finances is an on going process and should be used to set and achieve financial goals. Learn how to budget on a monthly basis.

Financial Needs vs Wants

In today's economy there is an inflated sense of need. Stay objective when making buying decisions, and be a smart shopper by following these tips.

Credit Structures in Our Economy

Learn the ins and outs of credit and how it applies to our economy and your day-to-day life. Also discussed are ways to approach using a credit card.

Credit Score and FICO

Learn how your credit score is determined and why FICO is so important.

Evaluating and Improving your Credit Score

Improve your credit by learning how a credit score is calculated, and get a few tips on how to maximize your score.

How to Deal with Collection Agencies

There are federal laws about collection agency practices that all consumers should know, to avoid being taken advantage of.

Evaluating Debt Settlement Companies

As a consumer make sure to properly evaluate and research any company claiming they can improve your credit score or help reduce your debt.

How to Deal with Bankruptcy

If you're considering bankruptcy, make sure you understand the implications of the potential benefits and consequences.

Understanding Credit Counseling

There are many companies that claim to help reduce your debt, but make sure you weigh all your options and research the business before you move forwa...

Generating More Income

If you are looking for new and creative ways to generate more income, the answer may be no further than your own household.

Communicating Finances Between Couples

It is extremely important to open the doors of financial communication between couples, in order to keep relationships and finances strong.

Teaching Children to Manage Money

As your children grow up, make sure to introduce a healthy approach to spending money by following these suggestions.

College Students Credit

Credit cards can be a convenient option for many college students, but parents need to educate their children on being financially responsible first.

Avoiding Foreclosure

Learn what a foreclosure is, and the different ways a foreclosure is structured between you and financial institutions.

Choosing a Credit Counseling Agency

Make sure to follow these tips when selecting a credit counseling agency in order to stay safe and get the best service possible.

The Challenges of Paying Down Debt

Learn from the experiences of real people, and advice from financial advisers, on how you are not the only person in debt.

Avoiding the Credit Card Trap

Learn why it's important to pay with what you have, while avoiding the credit card trap.

FTC Annual Credit Report

Anyone can write a catchy jingle, but only provides you with a truly free, federally authorized credit report.

FTC Annual Credit Report

Anyone can write a catchy jingle, but only provides you with a truly free, federally authorized credit report.

BBB Como manejar dedua

BBB acerca de las diferencias entre los planes de consolidacion de deudas, de negociacion de deudas y de eliminacion de deudas.

BBB Consejos para Utilizar Cupones en Linea

Antes de hacer click en un cupon en linea asegurese de leer todos los terminos de uso y si el cupon pertenece a la compania directamente.

BBB recomendaciones para mantener bajas las tasas de interes en su tarjetas de credito

Cualquier persona que recientemente haya observado las tasas de interes en sus tarjetas de credito ha notado que se han duplicado.

BBB advierte a los consumidores sobre llamadas telefonicas automaticas que prometen bajar la tasa de interes de sus tarjetas de credito

Better Business Bureau esta recibiendo quejas de consumidores por constantes llamadas telefonicas automaticas.

Credit Utilization

An explanation of what separates good from bad credit scores, and how maxing out your credit limit can be detrimental to your score.

Monitoring Credit Reports

Check the accuracy of your credit report at least once a year to secure your report and eliminate potential fraud from happening.

Using Fraud Flags and Freezing to Secure your Finances

Freezing your credit or using a Fraud Flag, is a way to protect your credit score in the event of identity theft. Yet, both have drawbacks as well.

How American Credit Agencies Work

up to 40,000 different lenders keep track of personal information every month to assure everything relating to your report is correct.

Foreigners Seeking Good American Credit

Credit is different for every country and having good credit elsewhere does not mean you will have it when coming the United States. Find out what you...

Household Bills Do Not Affect Credit Scores

Learn why small household payments like a home utility company do not apply for building credit scores.

Lowering Credit Limits

Lowering credit limits starts with keeping payments under control and not maxing out your credit, which can cause poor utilization to lower your score...

Avoid Credit Scams

FTA guidelines precaution consumers who become vulnerable under pressure to avoid scam artists.

Defend Against Identity Theft

Deter, detect, and defend against identity theft to avoid being one of the millions of people who have lost their identity to a thief.

Phishing Scam Protection

Most often times found in e mails, phishing scams attempt to convince you of needing an update to gain access to personal information.

Avoiding Phishing Scams

With a lot of businesses merging together, it can be tough knowing when someone is trying to scam you. Be sure not to give out personal information to...

Credit Counseling to Help Manage Debt

Credit counseling is a viable option when evaluating your debt situation.

Turning around your Delinquent Credit Accounts

There are steps a consumer can take to turn their delinquent credit accounts around to a positive outcome.

How to Pay Down Debt Effectively

Financial advisers explore the Snow Ball method vs. the Ladder method when paying down consumer debt.