If you can have Identity theft protection for.50 sents a day?
Saturday, July 24th, 2010 at
6:16 pm
Would you be willing to sign up and have the ability to save yourself THOUSANDS of dollars?
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thats a scam….you are only liable for the first 50 dollars of charges on your credit card.
Identity theft protection does not save money any more than car insurance does. I mean, what are you going to do if my ID gets stolen anyhow, will you cover all the liability? If so, my credit card already does.
btw the hype in your question tells me this leads to something else and now you’ll take my answer as meaning you can shove the rest of your spiel down my throat, but you’re mistaken.
Do you know what identity theft protection works better than the 50 cents per day? Putting a freeze on your credit report. Of course, it’ll take longer to get approval for a loan, but it’s probably your best shot.
The benefit of identity theft insurance is that you tend to get compensation for time off of work for getting your credit straight. (I would just get that taken care of during my lunch break… and I limit my exposure by shredding old documents, not receiving credit card offers, and checking my credit report.)
NOPE
–10 MILLION people per year are victims of Identity Theft.
–Todays target for criminals; children and teens identities (SS#). Why? Because parents never think to check/protect their childrens reports.
1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.
2) Check your childrens also.
2) if ID Theft has occurred, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).
3) some states allow you to ‘lock’ or ‘freeze’ credit reports; to protect against theft. if your state allows it, lock ‘em down. that way, no one can open an account on them.
4) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft… and request they lock the reports (usually they automatically do it, but ask for it anyway).
ID THEFT HELP/ INFO$.startup?Z_ORG_CODE=PU03
FAIR DEBT COLLECTION
STATUTE OF LIMITATIONS
EACH STATES SoL
CAPITAL ONE
Capital One refuses to report its customers’ credit limits to the three major credit bureaus. Instead, the bureaus use the highest balance a customer has charged as a proxy for the limit.
As a result, the customers’ all-important “debt utilization ratios” — the portion of their available credit these borrowers are actually using — can appear artificially high. That can depress borrowers’ credit scores, the three-digit numbers lenders use to help determine creditworthiness.
Lower credit scores can mean higher interest rates on mortgages, car loans and other borrowing, as well as potentially higher insurance premiums, since many insurers also use credit-scoring systems to help gauge risk.
CREDIT REPORT INFO / REPAIRS / DISPUTES
TO ORDER A FREE CREDIT REPORT
(all three are free once a year)
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
1-800-916-8800
FIND YOUR REPS
No, I don’t carry cash and my credit card has a total security protection plan and I shred all of susceptible mail.
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