Some of the best ways to protect against identity theft are by using common sense. Of course, you will also need to educate yourself on how identity theft happens and how often it happens, so you will understand what will give you the best protection.

-    Change your passwords often and never keep them written down in your wallet, handbag or stored on or near your computer.
-    When accessing your bank from internet cafes remember to clear all passwords, logins and if possible the cache in the history folder. If you cannot personally clear the history- ask an employee to do so in front of you.
-    Always watch for the little lock on websites. That lock is designed to show when you are using a secure network.
-    All bank and financial transactions should always be made only on websites that start with “https://”; the “s” is for secure. If the website address reads only “http://”, it is not secure and not safe for financial transactions. Also, ensure that the site does encryption of vital data.
-    Be very alert about messages that ask for personal information through email; be even more cautious if it uses an “emergency” as the reason for needing the information immediately.
-    Closely monitor your credit card statements for excess payments or payments or transactions that you do not remember making.
-    Shred financial documents you do not need to prevent identity theft. A decent shredder can be bought for around $20. Diamond cut shredders are best.

Source:  Identity Theft – Protect Yourself Today

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The bankruptcy code 523 is the clause which describes or lists the types of debts that cannot be included for discharge, even when you file for bankruptcy. These are debts that the person who files for bankruptcy will still have to pay regardless of financial circumstances.

Among the debts that fall under the bankruptcy code 523 are:

-    Education loans
-    Taxes and custom duty
-    Any type of credit that was obtained fraudulently
-    Any debt not listed under section 521 (1)
-    Funds obtained through embezzlement of any defalcation while acting in a fiduciary capacity
-    Alimony, spousal support or child support payments
-    Any willful destruction of anyone’s property
-    Fines, penalty or fee payable to the government
-    Monies owed for injury or death caused while driving under the influence of drugs, alcohol or any other substance
-    Funds payable following an unreviewable order or decree, or consent order of the USA

There are other items on the list. What the bankruptcy code 523 seeks to do is clarify all such debts that will not come under the general protection of bankruptcy status, where the Court automatically stays all debts.

Source:   What is bankruptcy code 523?

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Credit fraud alert is an extra precaution added by the credit bureaus for your protection. This means that whenever there is an application made for a loan, new credit card, or any other type of credit account using your social security number-   you will be contacted by phone for a one-on-one verification that the credit application is indeed being opened by you and/ or is being completed with your knowledge.

Setting the credit fraud alert is very easy. Call each of the credit bureaus fraud departments’ at the following numbers and instruct them to have your file flagged for credit fraud.

-              Equifax Consumer Fraud Division  (https://www.alerts.equifax.com)
Phone: 800-525-6285 or: 404-885-8000
Fax: 770-375-2821

-              Experian’s National Consumer Assistance (http://www.experian.com/fraud)
Phone: 888-397-3742

-              Fraud Victim Assistance Department (no online fraud alert application available)
Phone: 800-680-7289
Fax: 714-447-6034

Your credit file will be flagged within 24 hours and you will receive a confirmation by mail within 1-2 weeks. If more than 3 weeks have passed without any such written confirmation, call again to inquire about the request you initiated for credit fraud alert.

Source:  Protect Yourself From Credit Fraud

1.    Student loans – This loan is not covered by bankruptcy solutions. Hence, if you are in trouble due to your student loans and declare bankruptcy in the hope that this will solve the problem, be aware that this is not true. You will still be liable to pay the student loan back and you will have the report of a bankruptcy on your credit report for the next 11 years. In order to seek relief for student loan payments you should contact your lenders and try to renegotiate the terms of your repayment. Some options are an “income- contingent” repayment plan as well as temporary forbearance.

2.    Child Support -  This is another field that will not fall under the relief of bankruptcy. In the eyes of the law this debt is not going to be relieved without your actual payments. Child support and alimony are not considered debts as much s they are considered financial obligations that do not warrant bankruptcy relief.

3.    Criminal fees/ fines – No bankruptcy solutions will delete criminal fees or fines. Hence, declaring bankruptcy will not resolve such issues. Again, this type of debt is considered unforgivable and thus must be paid by the individual. You can attempt to enter into a new repayment plan but often times you must show the court extreme financial hardship in order to qualify for a change in repayment terms.

Source:  Bankruptcy Solutions – What Is Not Covered Under This Umbrella?

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There is more- this identity theft insurance provider/ company/ agency will also assist you to hire, pay and consult with experts required to deal with creditors to clear and restore your good name. Identity theft can be a heavy blow to your credit report and score if not handled well and expeditiously so the damage is contained at the lowest possible casualty levels.

Check with your insurance provider today and take out this type of insurance against identity theft. With hackers getting more and more ingenious at stealing sensitive information, it is very important that you have your security net in place. Such identity theft insurance is a must if you wish to be spared of the trouble and dangers of identity theft. Your credit identity is one of the most vital aspects of your life. Your finances and sensitive information should be cared for with the same tenacity that you care for your loved ones.

Source:   Insurance Identity Theft Can Protect You

Just like a doctor would advice a patient on what has caused them to become ill so they will not get sick again; debt counseling teaches you how to manage your money so you will not fall into trouble with your finances again. It is very important that you understand the why before you can appreciate the solution. You are less likely to abuse your available credit if you understood how the bulk of smaller purchases compounded the large debt you accumulated.

Debt counseling also teaches you how to use your finances to increase your credit score and much more, such as:

-    How to save for an emergency fund
-    How to find the best interest rates
-    How to make and stick to a monthly budget
-    How to find the best health/ home/ auto insurance quotes

… and much more. Debt counseling is a priceless gift – make sure you value it as such.

Source:  When Debt Counseling Is Needed?

Go to a library and review law books regarding financial matters or visit the website of any of the credit bureaus in order to educate yourself on how a credit score is calculated. You need to be informed as to what goes into your credit report and how long those inputs affect the credit score calculations. Stop relying on misinformation. Stop hoping for miracles. Stop inviting trouble.

Once you are aware of the law, it is nearly impossible for you to fall victim to such gimmicks. However, if you still hope against hope that everything they advertise can happen, then you are asking to be cheated out of your hard earned money. Mistakes with finances and your credit score can prove not only to be devastating; but can also be criminal.

Be aware that credit repair fraud happens because you close your eyes to the truth. Repairing your credit legally might be slow – but from a common sense approach- this is the only you should go.

Source:  Credit-repair-fraud-–-are-you-asking-for-it

For many, bankruptcy is a dark cloud with a silver lining. The silver lining is not only about trying to remove the debts they have accumulated, but also about having the slate cleaned to start over. Indeed, with patience and care you can start over and do really well by the time your 11 years have passed.

In fact, if you follow a disciplined financial life you can remove the blemish of bankruptcy and rebuild your credit score by the end of this 11 year period.  The lessons you will have learned will not be ones you will soon forget. Use bankruptcy to establish healthier financial habits for your future beyond bankruptcy.

Source:  5 Ways To Remove Bankruptcy

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Therefore, my sincere advice is never to sign up with any credit repair agency that promises you overnight results. This can not happen. If it does, it is done unlawfully and you definitely do not want to be a part of such dealings. Some credit repair companies dispute all negative entries on the credit reports, which indeed brings the score up almost overnight. However, when the disputes are checked and found to be correct, you will be in worse trouble than when you started. Doing business in this manner may make the debtors reluctant to work with you to find reasonable solutions to your financial troubles.

Be careful that you do not sign up with fraudulent credit repair companies.  Also, be informed about how the credit repair company you choose will actually go about repairing your score. Ultimately, all actions taken on your behalf will become actions presumed to be taken by you. You might be jumping out of the frying pan and into the fire.

Source:  How To Fix Credit Score Quickly

Do not panic if you are not good at drafting letters and/ or corresponding with credit bureaus. Find a well reputed credit repair agency who will be happy to write the letters for you for a small fee. If you are comfortable with writing, by all means you can do it yourself. Just remember to keep the lines of communication open with the credit bureaus until the errors are removed.

Educate yourself on what needs to be written and how. Be persistent and before you know it- you will be well on your way to a healthier financial future.

Source:  Credit dispute letters – Great Tools to Raise Your Credit Score

How do you find the best possible solution? This part is easy – have a credit repair agency help you here. There is no one- size- fits- all solution for debt management. Each case is different and each case needs a personalized approach to get the financial matter resolved expeditiously. This is why most of the “template type” solutions do not work that well across the board; and why credit repair agencies are in such high demand.

The best credit debt solution for you needs to be worked out carefully so you can get out of debt as soon as possible. In the meantime, you also need to establish habits that exhibit financial responsibility to increase your credit score. Remember, financial devastation can happen overnight; credit repair cannot.

Source:  Are You Ready To Find The Best Credit Debt Solution?

If you are in need of credit repair counseling- do not wait any longer. Most people fear credit repair scams and therefore choose to handle their credit repair issues themselves. Don’t let yourself be intimidated into further financial destruction! Rather Instead, educate yourself on how to differentiate between a scam and a genuine credit repair offer. Professional help will not only help you pay less on your outstanding debts by re-negotiating with your creditors, but can also offer you free debt counseling which can prove  invaluable in the future.

While it is true that there are many credit repair scams out there, you can still find it relatively easy to identify the genuine ones. Seek word of mouth recommendations and or by investigating credentials and past success stories. Be sure that you verify the references the agency or counselor and only after you are thoroughly convinced of their efficiency, should you go ahead and ask for their assistance.

Source:  Are You Afraid Of Credit Repair Scams?

1.   Extensive advertising – They go on and on about themselves; their proficiency; their successes; their reputation. Any company that is advertising too heavily can be suspected of being a scam. They may be attempting to flood the market for clients/ victims and when they make enough money or begin to attract the attention of law enforcement, shut down the operation and disappear with all the money. Pay attention.

2.   They promise too much – These agencies always promise to be able to deliver whatever you want. Instant or in the shortest possible time. Do not be fooled. A credit score cannot be raised overnight unless there is a major and illegal manipulation. Is that really the path to financial stability?

3.   The credit repair companies ask for too much too soon – A major red flag is asking for their fees upfront. A company that is confident in their results and seeking to be a positive influence on the financial health of their clients will have no problem deferring payment until the client sees results.

Source:  3 Ways to Tell Which Credit Repair Companies Are Genuine

The answer is simple, you ask for a copy of your credit report. Legally, every consumer is entitled to one free credit report annually from each of the three credit bureaus and therefore, if you plan your requests accordingly, you can have one credit report every four months. Although the bureaus are different, they maintain more or less the same standards when calculating the credit score. That means you can keep a close eye on the things that creep in on your credit report, enabling you to appeal inaccuracies almost immediately.

It is very important to write to the credit bureau as soon as the discrepancy appears on your report. If you are not comfortable with writing credit dispute letters yourself, seek the assistance of a credit repair agency or counselor.

Source:  What Do You Know About Credit Dispute Letters?

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1.   Use the Internet – Nothing is more powerful than the Net when seeking information. The internet enables you to tap into financial institutions in your local region or state, as well as, into the financial market across the nation.  Conduct internet searches and investigate financial institutions before divulging sensitive financial information.

2.   Talk to people – You are neither the first nor the last person on this earth who suffers from a poor credit score. Talk to people who are more financially sound and seek their advice on financial habits. Use their experience to guide you to financial health.

3.   Consult a credit repair agency – Many credit repair agencies offer assistance and financial guidance for loans. Find out whether your credit repair agency does too. If not ask for references; you may find a great poor credit lender already being used by one of your friends or family members.

Source:  Poor Credit Lenders Are Plenty – Do You Know How to Find the Best

You will hear a lot about debt negotiation during the credit repair process. What is the role of this type of negotiation and why does it get so much importance? You will agree that every cent saved is a cent earned, right? Well, that is the answer.

When a credit counselor or agency negotiates your debts, they ensure that you are charged the minimum possible both in interest and in fines (and penalties for late payment). This means a drastic reduction in the size of your debt; which in turn means that it would be easier for you to repay the loan.

You can do debt negotiation on your own; but most people prefer professionals to do this job because it does require the special skill of effective confrontation and a talent for getting your opponent to agree to your proposition. The more money you are able to save the better it is for your financial outlook. So, can you see the importance of financial negotiations in the process of credit repair?

Source:  The Role of Debt Negotiation in Credit Repair

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Counseling is a tool to help you analyze why you are not able to maintain financial discipline. Counseling will also help you identify major financially devastating habits as well as showing you how to manage your money more effectively. Without adequate debt counseling, credit repair solutions might just be temporary fixes to a more complicated underlying problem leading to chronic financial instability.

Source:  Why Debt Counseling Is The Key To Credit Repair?

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A credit score is the result of an analysis of your past financial transactions and habits. How can you fast-forward or rewind the required time in order to increase your credit score within legal parameters? Any claim that says increasing your score rapidly is possible is false and greatly over exaggerated. Investigate how this agency proposes to achieve these results. Remember that you will be responsible legally and financially if there is any unlawful activity involved in this process.

You can increase your credit score, but this takes time and effort. Many times, before a consumer can begin to increase their credit score they meet with a financial advisor in order to understand the financial blunders that led to the low credit score.

Source:  Beware Of “Increase Credit Score” Scams

If you ever receive an offer from a credit card provider with terms that seem  “too good to be true,” stop right there in your tracks and review each line of the credit card terms carefully, inspect the contents of each paper and look for red flags. Red flags include but are not limited to spelling and grammar errors, private emails listed as company emails, and inconsistent information. This could be one of the hundreds of credit card scams that cyber- criminals use to steal an unsuspecting consumers’  identity.

Criminals often use this ruse to tempt people into divulging vital, private financial information (required when you apply for a credit card), which they  in turn use to file for legitimate credit. Using this information it is possible for a criminal  to steal everything you have saved in your bank account and cause  financial devastation.

Another common use for private financial information used by thieves is to obtain loans. These loans become your responsibility unless you catch the thief or thwart their efforts before too much damage has been done.

There are many credit card scams that circulating; be careful that you do not fall prey to them by staying alert and careful.  Ensure that you do not divulge your private financial information to unsolicited sources.

Source:  Credit Card Scams – A Great Way To Steal Your Identity

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It would be better if you went to a credit repair agency to learn how not to slip below the “respectable” credit score; something in the line of ‘prevention is better than cure’. These agencies have the knowledge to reverse the results of hopeless debt. Do not wait until you need their help to find out about the best financial practices.

Next time you feel a little insecure about the way your money is spent, why not pay a credit repair agency a visit? You will be able to not only understand the importance of sound financial management, but also prevent falling into debt. Worth a try, wouldn’t you agree?

Source:  Credit Repair Is More than Improving Credit Scores

Are you a victim to this 21st century poison? If yes, it is time to get help. In most cases, the decision to get help takes so long that in the end there is nothing to salvage. Do not wait for that point. As soon as you feel that you are not able to manage your credit cards payments, seek help. Do not wait until such time when bailing out becomes impossible.

There is plenty you can do to stop walking into complete financial disaster. The key to finding the answer is seeking help at the earliest possible sign of problems with your credit cards.

Source:   Credit Cards – The Poison of the 21st Century

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This can become a long drawn out process unless you know where to look and what to do to expedite the credit repair process. Delays can mean higher interest rates, missed opportunities, and in some cases even disqualification from job
applications.

The second is with credit card re-payments. Stop charging expenses to your credit cards and start paying. Negotiate with the provider for better terms – such as the waiving of late and penalty fees, lowering the interest rate, etc. and start paying regularly. The key is to pay on time consistently.

Source:  2 Great Ways Towards Credit Repair

A bankruptcy advisor would not only advise you on the best action plan, but also help you with the plan of reconstructing your future financial strategy. Without such advise you might  end up losing much more than you should, making it more difficult to return to normalcy.

Alternatively you can use an experienced attorney. This is another top professional who can ensure that you will walk away with the maximum benefits and minimum penalties under the circumstances.

Most people shy away from hiring such professionals due to the steep fees they charge. However,their effective handling of financial matters almost always make their fees a valuable expense.

Source:  Bankruptcy Advisor

When you are passing though bankruptcy, you will have a few thoughts about loans while in bankruptcy. After all, you are losing everything including all the credit cards you have not paid until the bankruptcy filing date.  If you are thinking about such a loan – the good news is that it’s possible. However, this is a tricky situation and needs to be applied very carefully.  The loans while in bankruptcy are meant to help you through a bad financial situation. Usually these loans have many clauses attached to them and therefore, you need to be careful about what you do when you apply for, and after you get, the loan.  Contact a good and reputable credit repair agency or professional to give you the best possible advice on loans while in bankruptcy, before you even consider it. This is very important, lest you sabotage your few benefits that accrue from filing for bankruptcy.

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In that case, be sure you get the best bankruptcy advice available in the market. Do not look at the money at this time; even if you have to spend your last penny, go for the best bankruptcy attorney or professional, and let them give you personalized bankruptcy advice on how to best deal with your situation.

There are plenty of measures that can save you a lot of trouble in the future – or get you in trouble, unless you take the right bankruptcy advice.

student loans. Now you need to prove that the repayment will cause undue hardship to you and/or your family before the bankruptcy

clause will become applicable in your case. “Undue hardship” in this context is interpreted as living below the minimum standard of

living.

In case you have trouble with repayment, instead of considering bankruptcy, it’s better to consult an attorney or a credit repair or

finance professional who will  offer you the best solutions available in your case. Often solutions are not easy to see to the lay

person – but with the right guidance and information you will be able to find better ways out of the financial crisis than filing for

bankruptcy.

The method by which you can settle debt without bankruptcy has three steps:

1.Suspend payment to your creditors for a few months and pile the money into a saving account under the guidance of a reputable debt negotiation agency.

2.Let the credit repair agency take over. The moment you stop payment you will invite hounding collection on behalf of your creditors. Let your agency handle it.

3.The third step of settling debt without bankruptcy is to negotiation for better terms. Normally a agency will have experts negotiators who will be able to cut your outstanding loans by as much as 40-60%.

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You will also find professionals of high repute who will do their very best to restore your credit to “good health.” But that leaves one with the problem of how to go about finding which companies are reputable and how to stay safe from the traps the fraudulent credit repair business agents lay for you. Contrary to common belief, picking out a deceptive credit agency isn’t so complicated. The first warning sign is when the business you are looking into purports to repair your credit “quickly.”

Because your credit history was formed over the span of many years, it’s just not possible to improve your credit score overnight. If you hear a credit repair business tells you they can perform what you know is not possible, you need to back off, because they are definitely fraudulent!

In addition there are other warning signs you should look out for as well. The deceitful “professionals”, in most cases, will require full payment upfront.

A credit repair organization, under federal law, may not charge their entire fees up front. No matter how bad your credit report is, do not pay in advance of any services being rendered.

A less-than-reputable credit repair business is more than willing to use illegal methods. They will even advise that you use illegal means and talk you into thinking it’s OK to do so, since they have somebody on the “inside” in the credit bureaus who can cover up for them and you.

Make sure you don’t fall for these kinds of lies! Do not accept any tactics in order to improve your credit unless it’s 100 percent legal. No matter how bad your credit problems, they’ll be made so much worse if you’re caught trying to amend the situation illegally. You are primarily responsible when your credit report is repaired through illegal means; therefore, you can be prosecuted if caught breaking the law. Everything considered, it just isn’t worth risking it!

Another simple way to establish whether the credit repair business you’re considering is reputable, is to ask that they help you understand more about repairing credit. A reputable agency will be happy to give you guidance and advice (and possibly some “hand holding”) in your quest to learn more about how to repair credit. A trustworthy business will work as a facilitator, while a fraudulent company will be resentful and wary about sharing information in regard to repairing your credit.

Does that surprise you? Let’s take a look at it.

When you’re looking to get your credit fixed “fast”, you are leaving yourself open to corrupt credit repair services that are conceptualized and marketed exactly along these lines. Here are five important tips that will ensure you get the best credit repair services, and not get involved with corrupt credit companies.

Tip No 1 – trustworthy credit repair agencies never advocate quick-fix methods to help your credit report or score. Rather,, a trustworthy credit repair agency will make sure you are informed as to what credit repair services you can expect. These services will be spelled out in a contract. Be sure to insist on having a contract; and if the contract is absent, it’s a dead giveaway that this agency and the credit repair services they offer are fraudulent.

Tip No 2 – All the above board credit repair companies will make you aware of your rights and guide you regarding the credit repair services you can do for free. Things such as getting a free annual credit reports from the three bureaus, detecting errors in your report, disputing those errors, managing your finances and so on, are things that you may, at one point in time, do on your own.

The company will teach you what you can do yourself with little effort, and what will better be left in the hands of professionals. The trustworthiness of the credit repair company you are considering can be determined based on these kinds of interactions.

Tip No 3 – No reputable credit repair agency will ever hint at using illegal means. There will be agencies that advertise a “new identity”, complete and guaranteed removal of bad entries, increase of a poor credit score overnight and so on.

Please! Before you take such claims seriously, visit the Government site of the Federal Trade Commission (FTC) and checked out what it says about repairing your credit score. You will then understand that the credit repair services promised by companies such as these are fraudulent and even illegal in some cases.

Tip No 4 – Every trustworthy credit repair company offers, as a part of their services, quality counseling without additional charge. As we have already discussed, an ethical credit repair company is always prepared to help you become financially self-sufficient. They will be prepared to offer you top-quality credit repair services and at the same time show you what you can handle on your own. If you find that the agency discourages you from learning about credit repair, contacting a credit bureau, and/or discourage you from taking any action on your own, than you would be well advice to look for another company.

Tip no 5 – I am leaving the best tip for last, because this is what will remain in your mind long after you finish reading. Look into those organizations with which your company of choice is affiliated. As an example, many leading companies of this industry adhere to the code of ethics outlined by the ECRA (Ethical Credit Repair Alliance), which ensures that you – the customer – get the best possible credit repair services. Make sure the agency of choice has membership in a recognized regulatory agency.

1. The charges – unscrupulous companies will ask for their fees up front. The reason is that they know they will not or cannot deliver on their promises and they don’t want to wait until you find out. Normally, a reputable agency will usually charge on a “services rendered” basis that includes a retainer fee and subsequent payment at various levels of intervention.

The charges will always reflect what services are rendered. Ensure that you research the market closely both at the regional and national level to give you an idea of about what fees you should expect.

2. Getting your credit report corrected – competent credit repair services will correspond repeatedly with the three credit bureaus, Experian, Equifax, and TransUnion, until all the mistakes have been taken off your credit report. To accomplish this concerted effort and repeated follow-up is essential.

3. Provide you with the knowledge to be financially self-reliant – you will only be using the company services for a relatively short time. This is why you must learn good money management on your own. Good credit repair services will help you to become financially savvy.

The company will guide you on the way until you learn about how to monitor the entries by obtaining free credit reports at regular intervals from the three credit bureaus, how to contest wrong entries, and most importantly educate you in the matters of sound financial principles in order for you to maintain a high state of credit worthiness.

4. Customized approach – credit repair software will often be utilized by the company you hire. But this alone is inadequate. Everyone’s situation is unique, and the “cookie-cutter” approach of a computerized service alone will not do the job. The best credit repair services will shun the “cookie-cutter” approach and individualize their services based on your situation, in spite of the usefulness of modern state-of-the-art software.

5. Never stray outside legal means – aboveboard credit repair services will never consider using means that aren’t legal. If you have the least suspicion the agency is acting otherwise, ditch it right now!

Although you may feel a certain urgency about raising your credit score, or have your history modified to exclude things like debt collections and bankruptcy – you must understand that this cannot always happen. Agencies that promise they can do this use illegal means, and by knowingly becoming a participant you also become an accomplice. You definitely don’t want to go this route.

The best credit repair services may well provide other services in addition to those stated, but be sure to look for these at minimum. It’s a good idea to ask others you know for recommendations in making your choice.

Another good option is to insist on references. In addition, check with the “watchdog” of credit repair companies, the Ethical Credit Repair Alliance. Never be afraid to ask questions and insist on references, until you are comfortable with the choice you are about to make!

Everyone needs to fight identity theft by whatever means they can. Unfortunately most people become so upset and depressed when they are victimized that they shut down completely.

Do not hide such incidents! Come online and narrate your stories. Complain to the authorities concerned. Go to the local police, find the relevant cyber police websites and report your incident. For every reported incident hundreds if not thousands will become aware of new dangers.

It’s the duty of every citizen in the world to fight identity theft as this is becoming one of the most encountered and damaging of virtual crimes. You will be surprised to learn that now you will be able to find courses that teach how to hack sites and other related software programming.

This has become a lucrative business that asks for little investment and offers great returns. Unite and fight identity theft – this is the only way we can stay protected.

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