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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.
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.
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:
————————————

Mon-Wed: 10:00-19:00
Thurs-Sat: 10:00-20:00
+447031926863
Croydon CR9 3RR
London , England
____
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.
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 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?
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Skimming- stealing your credit/debit card numbers using special storage device when processing your card.
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Changing Your Address – diverting your billing statements to another location by filing change of address.
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Dumpster Driving – rummaging trash looking for bills or other paper with your personal information on it.
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Pretexting – using false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.
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Phising – pretending being a financial inctitutions or companies and send spam or pop-up messages to get you to reveal your personal information.
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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?
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Delete any suspicious emails from organizations requesting personal information from you
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Be extra vigilant when giving out personal information
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Shred all personal information before throwing it away in your rubbish
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If you move house, make sure you tell your bank and other organizations in advance
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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.



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