Check out this great deal in Big Bear, Doll House
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Wednesday, June 30, 2010
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Wednesday, June 16, 2010
Why are few realtors talking about the 1031 tax exchange bill which proposes to eliminate this valuable tax code? Read about it at http://ping.fm/TMpkB
Tuesday, June 15, 2010
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Featured Articles
Monitor Your Credit Report and Help Guard Against ID Theft
How to Minimize Your ID Theft Risk
The Trivia Block
Monitor Your Credit Report
and Help Guard Against ID Theft
You probably know something about the problem of identity theft
- situations in which a con artist uses someone else's name, Social Security
number or other personal details to make purchases, take out loans or commit
fraud in the name of an innocent victim.
But do you know how you, with the help of credit reports and credit bureaus,
can help spot or stop the theft of your identity?
First, here's why you should care about fighting ID theft. It is,
by far, the most common fraud complaint that consumers bring to law enforcement
authorities and consumer protection groups. And while federal laws and industry
practices can limit your liability if you become a victim of identity theft,
it can take you a very long time to repair the damage. That includes notifying
creditors and law enforcement that you've been victimized, closing tainted
accounts and opening new ones, and correcting your credit report. You also may
be denied loans, jobs, housing, insurance or other opportunities if an ID
theft shatters your reputation and credit rating.
So, how can you use your credit report to protect against identity theft?
Monitor your credit report for warning signs, including loans or
leases that have been wrongfully taken out in your name. Also, pay close
attention to the "inquiries" section of the report that shows who has requested
a copy of your credit history. That's because thieves sometimes impersonate
business people with a legitimate right to obtain credit reports.
In general, you should consider obtaining copies of your credit
report from the three major credit bureaus about once a year to verify that
the information is correct. But be aware that there are services that will frequently
monitor your credit report for possible signs of fraud or theft. The fees
for these services (often $70 or $80 for a yearly subscription) can be more
costly than obtaining periodic credit reports on your own, but the added level
of convenience may be worth the cost.
If you find suspicious transactions on your credit report, take the following steps:
Contact creditors
to discuss questionable items and close accounts that you believe are fraudulent
or have unauthorized transactions.
Call the fraud department
at each of the major credit bureaus to ask that a "fraud alert" be placed
in your file, so that lenders will be alerted to the fact that you may be
a fraud victim. Ask that the fraud alert state that you do not want new credit
extended without contacting you first.
Contact the local police
to file a report. Keep a copy in case you need it later as proof of the crime.
Consider filing a complaint
with the Federal Trade Commission (FTC), which will store the information
in its database so that it can be accessed by law enforcement agencies worldwide.
What's In Your Credit Report?
A credit report
contains information on where you work and live, how you pay your bills,
and whether you've been sued, arrested or filed for bankruptcy. Consumer
Reporting Agencies (CRA) gather this information and sell it to creditors, employers,
insurers and others. The three major national credit bureaus are: Equifax, Experian, and TransUnion.
As of September 1, 2005,
all consumers are eligible to receive a free annual credit report from each
of the three major CRAs. The information in your credit report is used to
calculate your credit score - a number generally between 300 and 850 that rates
how risky a borrower you are. The higher your score, the less risk you pose to creditors.
Anyone who denies you credit,
housing, insurance, or a job as a result of a credit report must give you
the name, address, and telephone number of the CRA that provided the report.
Under the Fair Credit Reporting Act (FCRA), you have the right to request a
free report within 60 days if a company denies you credit based on the report.
Back to the Top
How
to Minimize Your ID Theft Risk
When it comes to identity theft, you can't entirely control whether you will
become a victim. But there are certain steps you can take to minimize your risk.
Order a copy of your credit report.
Place passwords on your credit card, bank, and phone accounts. Avoid using
easily available information like your mother's maiden name, your birth
date, or a series of consecutive numbers.
Secure personal information in your home, especially if you have roommates,
employ outside help or are having work done in your home.
Ask about information security procedures in your workplace or at businesses,
doctor's offices or other institutions that collect your personal information.
Don't give out personal information on the phone, through the mail or on the
Internet unless you've initiated the contact or are sure you know who you're dealing with.
Confirm that you are dealing with a legitimate organization before you share
any personal information. Check an organization's website by typing its
URL in the address line, rather than cutting and pasting it.
Treat your mail and trash carefully.
Promptly remove mail from your mailbox. If you're planning to be away from
home and can't pick up your mail, call your post office to request a vacation hold.
Always shred your charge receipts, copies of credit applications, insurance
forms, physician statements, checks and bank statements, expired charge
cards, and credit offers you get in the mail.
Don't carry your Social Security number card; leave it in a secure place.
Only give your Social Security number when absolutely necessary.
Carry only the credit, debit and identification cards that you'll actually need when you go out.
Be cautious when responding to promotions. Identity thieves may create phony
promotional offers to get you to give them your personal information.
Keep your purse or wallet in a safe place at work; do the same with copies
of administrative forms that have your sensitive personal information.
When ordering new checks, pick them up from the bank instead of having them
mailed to your home mailbox.
Back to the Top
The Trivia Block
If the heads on Mt. Rushmore had bodies, they would be nearly 500 feet tall!
Back to the Top
Connect
with me on:
EXIT
BEACH CITIES REALTY | 7152 Edinger Ave. | Huntington Beach | CA | 92647
Add
LillianWalker@verizon.net to your safe senders list.
Click here for directions
To
unsubscribe
Click Here
VIEW AS A WEBPAGE
|
SEND TO A FRIEND
Lillian Walker DRE#1058474
EXIT BEACH CITIES REALTY
Featured Articles
Monitor Your Credit Report and Help Guard Against ID Theft
How to Minimize Your ID Theft Risk
The Trivia Block
Monitor Your Credit Report
and Help Guard Against ID Theft
You probably know something about the problem of identity theft
- situations in which a con artist uses someone else's name, Social Security
number or other personal details to make purchases, take out loans or commit
fraud in the name of an innocent victim.
But do you know how you, with the help of credit reports and credit bureaus,
can help spot or stop the theft of your identity?
First, here's why you should care about fighting ID theft. It is,
by far, the most common fraud complaint that consumers bring to law enforcement
authorities and consumer protection groups. And while federal laws and industry
practices can limit your liability if you become a victim of identity theft,
it can take you a very long time to repair the damage. That includes notifying
creditors and law enforcement that you've been victimized, closing tainted
accounts and opening new ones, and correcting your credit report. You also may
be denied loans, jobs, housing, insurance or other opportunities if an ID
theft shatters your reputation and credit rating.
So, how can you use your credit report to protect against identity theft?
Monitor your credit report for warning signs, including loans or
leases that have been wrongfully taken out in your name. Also, pay close
attention to the "inquiries" section of the report that shows who has requested
a copy of your credit history. That's because thieves sometimes impersonate
business people with a legitimate right to obtain credit reports.
In general, you should consider obtaining copies of your credit
report from the three major credit bureaus about once a year to verify that
the information is correct. But be aware that there are services that will frequently
monitor your credit report for possible signs of fraud or theft. The fees
for these services (often $70 or $80 for a yearly subscription) can be more
costly than obtaining periodic credit reports on your own, but the added level
of convenience may be worth the cost.
If you find suspicious transactions on your credit report, take the following steps:
Contact creditors
to discuss questionable items and close accounts that you believe are fraudulent
or have unauthorized transactions.
Call the fraud department
at each of the major credit bureaus to ask that a "fraud alert" be placed
in your file, so that lenders will be alerted to the fact that you may be
a fraud victim. Ask that the fraud alert state that you do not want new credit
extended without contacting you first.
Contact the local police
to file a report. Keep a copy in case you need it later as proof of the crime.
Consider filing a complaint
with the Federal Trade Commission (FTC), which will store the information
in its database so that it can be accessed by law enforcement agencies worldwide.
What's In Your Credit Report?
A credit report
contains information on where you work and live, how you pay your bills,
and whether you've been sued, arrested or filed for bankruptcy. Consumer
Reporting Agencies (CRA) gather this information and sell it to creditors, employers,
insurers and others. The three major national credit bureaus are: Equifax, Experian, and TransUnion.
As of September 1, 2005,
all consumers are eligible to receive a free annual credit report from each
of the three major CRAs. The information in your credit report is used to
calculate your credit score - a number generally between 300 and 850 that rates
how risky a borrower you are. The higher your score, the less risk you pose to creditors.
Anyone who denies you credit,
housing, insurance, or a job as a result of a credit report must give you
the name, address, and telephone number of the CRA that provided the report.
Under the Fair Credit Reporting Act (FCRA), you have the right to request a
free report within 60 days if a company denies you credit based on the report.
Back to the Top
How
to Minimize Your ID Theft Risk
When it comes to identity theft, you can't entirely control whether you will
become a victim. But there are certain steps you can take to minimize your risk.
Order a copy of your credit report.
Place passwords on your credit card, bank, and phone accounts. Avoid using
easily available information like your mother's maiden name, your birth
date, or a series of consecutive numbers.
Secure personal information in your home, especially if you have roommates,
employ outside help or are having work done in your home.
Ask about information security procedures in your workplace or at businesses,
doctor's offices or other institutions that collect your personal information.
Don't give out personal information on the phone, through the mail or on the
Internet unless you've initiated the contact or are sure you know who you're dealing with.
Confirm that you are dealing with a legitimate organization before you share
any personal information. Check an organization's website by typing its
URL in the address line, rather than cutting and pasting it.
Treat your mail and trash carefully.
Promptly remove mail from your mailbox. If you're planning to be away from
home and can't pick up your mail, call your post office to request a vacation hold.
Always shred your charge receipts, copies of credit applications, insurance
forms, physician statements, checks and bank statements, expired charge
cards, and credit offers you get in the mail.
Don't carry your Social Security number card; leave it in a secure place.
Only give your Social Security number when absolutely necessary.
Carry only the credit, debit and identification cards that you'll actually need when you go out.
Be cautious when responding to promotions. Identity thieves may create phony
promotional offers to get you to give them your personal information.
Keep your purse or wallet in a safe place at work; do the same with copies
of administrative forms that have your sensitive personal information.
When ordering new checks, pick them up from the bank instead of having them
mailed to your home mailbox.
Back to the Top
The Trivia Block
If the heads on Mt. Rushmore had bodies, they would be nearly 500 feet tall!
Back to the Top
Connect
with me on:
EXIT
BEACH CITIES REALTY | 7152 Edinger Ave. | Huntington Beach | CA | 92647
Add
LillianWalker@verizon.net to your safe senders list.
Click here for directions
To
unsubscribe
Click Here
For those of you interested in things to do through the City of Huntington Beach go to
http://ping.fm/KiIFh
http://ping.fm/KiIFh
Thursday, June 10, 2010
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Saturday, June 5, 2010
Californians can get a report on a used car's record history from the state DMV for $4 at http://ping.fm/n59Sh
Thursday, June 3, 2010
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