Protecting Your Most Important Asset

Have you worked hard to maintain a good credit standing? You’ve been responsible about assuming debt, making payments on time, and careful not to have too many credit accounts. What if all your hard work could be erased, without you even being aware of it?

Unfortunately, it’s a modern day fact of life that our credit history can be damaged in a blink of an eye without our knowledge. Credit identity theft is a common crime in our nation, happening every day.

Professional thieves prey on opportunities to intercept your credit information. They use it to either make fraudulent charges to your credit accounts, or even worse, establish new credit accounts under your name.

How to Protect Yourself

Of course, the thieves need access to your personal information. Where do they get what they need? They can be quite ingenious. You could be at risk if:

• Someone peeks over your shoulder while you enter personal data into a phone or an ATM machine.
• The thief goes “dumpster diving” and looks through garbage for documents that include sensitive data.
• The thief steals pre-approved credit card offers from your mailbox.
• You receive emails, called phishing, from seemingly legitimate companies requesting your account number.
• You’ve recently lost your wallet with either credit cards or your license.

Don’t Fall Victim

With a few pieces of information, your credit world can be turned upside down. Even if you aren’t held liable for fraudulent credit payments, getting the incident off your credit report can be difficult and require months, sometimes years of attempts to rectify.

You could potentially lose out on a chance to own a home, refinance your home, or take out other loans. All because of these false credit reports.

So make sure you protect your most important asset: your credit rating. If you’d like more information about how I can help please contact me.

RSS feed | Trackback URI

Comments »