While shopping online certainly saves valuable time, it’s not always safe. According to LifeLock, a leader in identity theft protection, 11.6 million Americans were victims of identity theft last year, with a large percentage of cases taking place online. Luckily, there are apps that can help prevent identity theft. With the holiday season in full swing, check out some of these apps to make sure your transactions are safe and secure.
Many don’t realize how important checking your credit score is. Your credit score can be the difference between saving money and spending additional money. In the past year about 148 million people have not reviewed their credit report at all. To help reinforce the importance of credit scores as well as the importance of checking these scores, Quizzle has created an infographic with lots of good information on the subject. Check it out!
ou hear a lot about the importance of your credit score, and that is one of the primary things lenders look at to determine if you qualify. One of things that can have a serious impact on your credit score is becoming a victim of identity theft. Realizing this negative impact, in 2003 a new law to combat identity theft was enacted: The Fair and Accurate Credit Transactions Act of 2003, more commonly known as FACTA.
A good credit score is pretty much vital in getting a loan approved, but some sites are taking alternate routes. Can social media, and the financial reliability of who you hang out with, really be a fair way of approving a loan?
College tuition has an interesting history here in the U.S. Did you know that in 1880, students were typically paying $300 per year for tuition, board and lodging? Students these days are lucky if they can find an apartment for $300 a month. As of today, students pay much more for their education than young scholars in the 1880s. Where is that money going? How much are students paying for attending school in-state versus out-of-state? These questions and much more are answered in this infographic provided by Nonprofit Colleges Online.
Despite recent reform, student loans remain extremely costly for students entering a world of high unemployment rates. Don’t fear the bill, instead take action before, after and during higher education. Check out the following sites that offer insights into different student loan issues.
When lenders, insurers and other financial services providers want to make decisions about you, they check your credit history. If you want the best rates on your loans, the best deals on insurance, and, in some cases, access to the best jobs, your credit history needs to reflect the best of you. Here are the steps to building credit the easy way!
Your Social Security number is very valuable; it’s valuable to you and those looking to steal it in order to open false credit cards and make false purchases. It’s important to know how to protect yourself from those trying to use your Social Security illegally. Read on to learn about a few different ways to protect yourself from identity theft.
In 2003, the Fair Credit Reporting Act (FCRA) was passed, sweeping into effect a wealth of changes aimed at protecting consumers of all demographic and socio-economic backgrounds who use credit cards. Perhaps the most important part of this legislation was the mandate that all U.S. citizens are entitled to a free credit report from each of the three main bureaus each calendar year. How should you go about obtaining your free credit report?
There’s no shame in admitting that you have a credit card problem. In fact, that’s the first step towards taking back your financial future. Let’s not talk about how you got here. It doesn’t matter if it was months of living outside of your means, or a one-time expense that you might have been unprepared for. What matters is that you’re going to do something about it.