Protecting Your Identity

I want to share a useful article about identity theft.

Identity theft is done when an impostor obtain pieces of personal identifying

informations like your name, credit card number, Social Security

number without your permission. When they successfully done this, the crime will take place.

We cannot say that, we are not prone to this kind of crime, because, in each point of our life, there will be time that we will be victimized by the thief. This is the reason why we must be careful, and be aware of this. We must have our identity be protected. This is very useful for each one of us.

Bad Credits Have A Better Future

Having a credit card is very useful in some lives, but this card maybe harmful too. There are many crimes like frauds and identity theft, because of thieves and also because of bad credit.

How about if you have bad credit? Is there any way to rebuild your credit?

Yes indeed, there are possible ways to face such horrible situation. I have seen many websites online that offers bad credit credit cards, credit cards for consumers who have bad credits. This can be use by the consumer in buying items online and even in stores.

Consumers with bad credits can also apply for a bad credit loans, where, they will have an opportunity to avail home loans, auto loans, personal loans. This is very useful for some consumers who were hopeless because of their bad credit.

Sort of Email-Phishing?

I tend to apply in some company that hires employees online. I have been surfing the net and find some job vacancies for me to apply. I came to search over the website bestjobs.ph. I thought that this site gives reliable sources and employers that could help Filipinos in searching better jobs. I applied in many job offers and some emailed and contact me for the interviews. At first, I applied job offers within the Philippines, but I also tried to apply abroad. One of the jobs I applied to, is for a Secretary position in Sony BMG based in London. I just clicked on it and email them for my application.

After a week, I received an email with an attached appointment letter which is in PDF file. The email says:

————————————

From

Ged Doherty

Chairman & Managing Director

SONY BMG Music Entertainment UK

UK main office

Bedford House

69-79 Fulham High Street

London

SW6 3JW

Opening Hours:
Mon-Wed: 10:00-19:00
Thurs-Sat: 10:00-20:00

+447031926863

To Monalyn Geleram ,

Sony BMG hereby appoints you as the new Secretary . Attached is your Appointment offer letter which describes the terms and conditions of your appointment .

You have to obtain a Work permit and UK Entry Clearance to be able to work in London . Sign the Appointment offer letter and submit it to the work permit department of the immigration home office through email and also ask them for details on how to obtain an Emergency UK Work permit and UK Entry Clearance . Their contact details are :

Work Permits Department

Immigration and Nationality Department

40 Wellesley Road
Croydon CR9 3RR
London , England

Email Address : applications@london.com

The Immigration home office will also assist you in obtaining a UK working Visa after your work permit and UK Entry Clearance is issued . The Company would provide a free accomodation for you at the Company’s staff quarters and also pay for your flight ticket to London .The Company would proceed with your travel arrangements to London as soon as your work permit and UK Entry Clearance is issued . Your work start date is April 7th 2008 . Your Intended address of stay/work is 69-79 Fulham High Street London . You are liable for the expenses of your work permit application but the company would reimburse you on all the expenses that you incurred when you start working . Please note that the job has been secured for you by the Management of SONY BMG MUSIC ENTERTAINMENT .

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The Appointment letter: (kindly click the picture for a larger image)

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At first, I was so excited, magine the offer? Who wouldn’t be interested with it? Big salary, everything is free, plus 4 times vacation per year? Wow! But, in my second thought, why isn’t there any interview. I was hired without them knowing me or in reverse? And why is it that they did not write my name in the appointment letter if that job was really for me?

What I did is, I search for the email address applications@london.com , I found one forum that asked if it’s just a scam. No doubt it is. So we better have to be careful.

Pick Up The Best Credit Card

Credit cards are of big help to all of us. It can be used worldwide or even in the internet. But How sure are we that we chose the right credit card which will not lead us to danger. Danger in terms of interest, hidden fees, and many other programs of the credit card companies, which may led us into a huge debt.

Credit cards are very provocative to anyone, especially to those who likes to buy. But be careful in choosing the credit card you are applying. Not all of the credit cards are helpful, this might be the reason of your bankruptcy.

Low Interest Rates
Of course, the first thing we must consult is the interest. How much interest would be added to my credit card? Review your monthly credit card statement carefully to see what the rate of interest being applied to your outstanding credit card debt is. When you see that the interest rate has gone up, without you having been notified of such, make sure you query this with your credit card company at your next available opportunity.

Hidden Fees

The next impact on any credit card debt is the hidden fees charge. Hidden fees like: annual usage fees, fees for cash-back withdrawals, late payment fees, double entry (reverse entry) book-keeping, tax on interest accrued, etc. If this happens, it is the time for you to either cut the card up or take up the offer of one of their competitors offering you incentive schemes to move your account to them!

Insurance

Many of us start to experience credit card debt problems because of some sudden change in our financial status. befor this will happe, you must plan on what will you do if ever the time come where you’ll loose your job and unable to pay your credit card debt. However you should try to go to a credit card provider who offer this service for free.

Loyalty Schemes

When you are using your card for many years, there’s a good chance for you to avail some of the credit card company programs as they give you something in return for your having accrued all that outstanding credit card debt.

Identity Theft

Identity Theft is a crime. It is done when an impostor obtain pieces of personal identifying informations like your name, credit card number, Social Security number without your permission. This is also called ID Theft. Some identity theft victims resolved this problem quickly, but there are some who spend so much money in repairing their good names and credit record.

How do this thieves steal your identity?

• Skimming- stealing your credit/debit card numbers using special storage device when processing your card.

• Changing Your Address – diverting your billing statements to another location by filing change of address.

• Dumpster Driving – rummaging trash looking for bills or other paper with your personal information on it.

• Pretexting – using false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.

• Phising – pretending being a financial inctitutions or companies and send spam or pop-up messages to get you to reveal your personal information.

• Old-Fashioned Stealing – stealing wallets,mails that include bank and credit card statements; pre approved credit offers, and new checks or tax information.

How can we protect ourselves from Identity theft?

• Delete any suspicious emails from organizations requesting personal information from you

• Be extra vigilant when giving out personal information

• Shred all personal information before throwing it away in your rubbish

• If you move house, make sure you tell your bank and other organizations in advance

• tell the Royal Mail if you suspect your mail is going missing

 

Are you protected? Protect you identity form thieves, protect your money and property.