Monthly Archives: August 2017

How Internet Identity Fraud Destroyed One Man’s Life

In less than half a year, Dave Crouse went from living a secure middle class lifestyle to facing financial bankruptcy – and it all happened online.

“It’s been a nightmare,” says the 56-year-old Bowie, Maryland resident who had $ 987,000 billed to his debit card and accounts opened in his name linked to his bank account. Crouse’s once robust credit score of 780 is gone . His financial particulars has been made unrestricted. “Even though my identity has been destroyed, they’re still using it today,” he explains .

ID Theft Reaches New Highs

What happened to Crouse may be a worst case scenario . But identity fraud isn’t out of the ordinary. Crouse is one of over 11 million adults – one in 20 Americans – who were victims of identity fraud in 2009. As stated by a recent study by Javelin Strategy and Research, the price was a whopping $ 54 billion, making identity fraud one of the quickest growing crimes in the country.

Similar to millions of Americans, Crouse loved to bank and shop on the internet. Using a wireless Internet connection at home, he auctioned on http://eBay.com, downloaded songs from a music website and used his debit card like a credit card.

Crouse thought he understood how to protect his online privacy . He installed virus protection software and kept it up to date. He transferred important financial details to a backup drive and not once wrote down his banking password. Crouse also shredded his financial documents . “You think you’re safe,” he states. “You think you are protected.”

In February of 2009, his bank account started displaying a negative balance. Crouse started noticing small unfamiliar charges on his statements. Eventually they accrued to thousands of dollars. “I was going to the bank every day and looking at all the charges,” he recalls .

When Crouse opened an account at another bank, the very next day both accounts were debited $ 1,100. Lots of the charges were for internet purchases or from Cyber gambling sites. Third party charges appeared from Dell, Exxon, T-Mobile, Sprint, AOL and Best Buy. Some were for items delivered to out of state addresses.

In the spring of 2010, Crouse was shocked when he got a call from an Ohio police investigator who informed him that his credit card information had been found in the trunk of a vehicle during a narcotic and guns arrest.

Now, he has a pile of bills 12 inches high for charges that he never made. “I will never be able to make a big purchase like a car or a house again,” he explains.

If your credit card is taken, a call to your card company to get a replacement issued will generally limit your liability . But if your identity is stolen , there’s no easy or even permanent solution.

Identity Thieves Are Targeting Online Details

As more individuals similar to Dave Crouse are conducting their fiscal and leisure time activities online , identity thieves are targeting information that’s sent over the Internet.

While shredding financial papers provides some protection against off-line identity fraud, in the online arena nothing is temporary. Your identity exists in hundreds of locations there.

Thieves have a variety of hi-tech tools to take your information on the web. Malware that you unknowingly downloaded in an email file or in a music download can record your keystrokes, revealing your passwords and economic information. You’re also an easy mark for computer criminals if you connect to the Internet at public wireless zones without using a virtual private network (VPN) to protect your information.

Dave Crouse wishes that he’d known that before he put his identity online. He’s paid $ 100,000 trying to repair his finances ; and his retirement and savings accounts have been depleted.

These days , Crouse lives modestly, paying cash for regular expenses and having bills automatically taken from his checking account. “I’ve gone back to living like I did in the 70s,” he explains.

For his 60th birthday, Crouse was eager to take a cross-country biker trip . That dream has evaporated along with his identity. As a result of his credit fraud problems , Crouse lost his security privileges; and with it, any hope of getting high salaried employment as a government contractor. He expects that it will take him five years to get out of debt. “I will probably have to work until the day I die,” he states.

Dave Crouse has this warning for individuals who believe their personal information is protected online: “Every time you sign on, you are opening your door to someone to take your life away from you. It’s like opening your wallet to strangers,” he states. “And it’s only one click away.”

Take Action

If you believe you’re the causality of online identity theft or identity fraud, take precautions to secure your online safety. Run a complete virus scan. Put a freeze on your credit with the three credit reporting agencies. Don’t use any confidential information online.

If you’re connecting to the Internet at public WiFi hotspots , make sure you have a virtual private network (VPN) to protect your online privacy. These groups can help you combat against identity fraud:

http://www.identitytheftresourcecenter.org

http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt07.shtm

http://www.ic3.gov/default.aspx

Jan Legnitto is an investigative journalist and documentary producer who writes about criminal justice and intelligence issues. Jan is also a frequent contributor to the Private I blogs on Private WiFi.

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Check Through The Easiest Medium Internet For Better Auto Insurance Quotes

auto insurance
by Net Archive Book Images Every little thing is pricey in

the globe of modern technologies. Automobiles are absolutely pricey despite how big or the tiniest vehicle you acquire. You require to spend a particular total up to get the benefit of having a car. If you do not want your investment to go vain, you require to be certain that you are having valid Cars and truck Insurance if you fulfill any sort of unexpected tragedies in your life. This quick removaling life is moving on a rate track. And also accidents take place every now and also then despite of being so cautious. If you are questioning just how you could obtain insurance when you have a hectic routine waiting for you in the morning, you don’t have to stress regarding it till you have internet around you.

Gain Insurance coverage At Your Convenience Degree

You can be benefited with Free on-line auto insurance policy quote and also check on them and also pick the most effective amongst them. However prior to you do the same, you need to have a listing of all the plans you would make a selection from. You could obtain the quotes through numerous ways but the most convenient and also the comfy means is that you could go down by all the companies as well as you can fill a kind where you have to provide your personal information and also social number. Well, if you are not exactly sure if your information are in risk-free hands, you can always quit there and you can look at a few other site.

Contact The Mediators If You Have No Concern About Your Personal Details

If you are fine with sharing your individual details, you could go in advance and also do it with no concern within you. The various other way where you can get any type of disturbance, you have to try to find third event internet sites which serve as a moderator between you as well as the company. All you have to do is send a kind which all your details. This is common for all the agencies who have registered with the web sites and you would certainly be benefited with the very best Auto Insurance Quotes.

What Is Refinancing? | Financial Terms

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Refinancing simply means you are taking you existing mortgage, and you are replacing it or paying it off with a new mortgage. That’s all. I know it sounds complicated but it really isn’t. And there are a couple of different reasons why someone might want to refinance their mortgage. One of the biggest reasons is to get a lower interest rate. So maybe I got my mortgage for my house or my apartment a few year ago. And interest rates at that time were at six or seven percent. And now I’m looking at rates that are at five percent. I might refinance or replace my old mortgage with a new mortgage to get a lower rate. And to save on interest. So saving on interest is one of the biggest reasons to refinance your mortgage. There are other reasons why you want to refinance. Sometimes you have some equity in the property and in addition to getting a new mortgage you want to pull some of that equity out of the property. And that would be considered a “cash out refinance”. One of the most common questions I get is ‘when should I refinance’ and ‘how do I know when is the right time to refinance’. And it really depends on your situation, because there are some drawbacks to refinancing as well. It is not a free benefit. When you refinance you have to pay closing cost to do that, so you always have to weigh the benefits of refinancing with the cost that you are paying. And I know a lot of people will tell you: ‘there is no closing cost out there, don’t worry about it’, particularly the sales people that are trying to sell you a mortgage. But trust me, there are always closing costs. You may not always see it, but you may be paying out of pocket, you maybe getting a bigger loan amount, so they are putting the cost into the loan, or you may be paying in terms of a higher interest rate than you could have gotten otherwise. So you are always wanting to weigh the cost of refinancing with the perceived benefit. Also take a look to how this fits in into your financial situation. One of the challenges sometimes people don’t realize is they keep stretching out or refinancing into new loans and they’re stretching out the loans, and they end up paying more interest over the long term because they are never paying down or paying off their house. So keep that in mind. Make sure when refinancing you get a new mortgage that is right for your situation. And make sure the benefits outweigh the drawbacks.

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Don’t Forget About Share Secured Lending!

It’s no secret that lending growth drives the credit union industry. With that in mind, it is important to zoom out and look at the bigger lending picture from time to time. When you do, you will discover that some forms of lending are not promoted as regularly as others. As a result, your members could be missing out on lending opportunities. Let’s take a closer look at one form that often gets overlooked. Your credit union should focus on share secured lending for two main reasons.

Two Member Benefits for Share Secured Lending

1. Share secured lending helps members. That’s right, this is a great way to help members who may not be able to qualify for traditional forms of lending. It’s a nice way to give them a fresh start. Your credit union is able to secure the loan with the members’ savings accounts. It’s a surety of payment for your credit union. Yet, the member sees the loan as an encouraging step of good faith. Share secured lending promotes trust and loyalty between the credit union and the member.

2. It is a great stepping stone. Usually, once a member pays off their share secured loan, they qualify for unsecured loan products. These may be the same types of financial products they just paid off, only this time they are able to get a better rate or better terms due to their improved credit history. This is a great confidence boost for members. A boost that would most likely not happen without offering a share secured loan.

Offer Share Secured Lending

Share secured lending can be either offered in installment loans or lines of credit, which are ideal for those members who are perhaps unable to obtain unsecured credit. After a share secured loan is paid off successfully, the next step can very often be to apply for those same products your credit union offer, but unsecured :-).

Of course, all of this translates back to more lending growth for your credit union. That growth is good for other things too, like member retention and new membership. Loyal members who formerly held share secured loans will love spreading the word, trumpeting to friends and family about how their credit union is the best place to get a clean financial start.

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“Big Changes” to Credit Scores — What You Need to Know

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Cashback Credit Cards – Top Tips For Finding The Right One

Did you know a charge card with a decreased APR isn’t constantly top card to use for your purchases? In the event that you look around very carefully, there is credit cards which can help you save money, make gifts and obtain discounts from the issues wish and need to buy? Cashback discounts are created to give you benefits for the commitment given by a specific company. Here’s ways to get the most from using cashback options.

– select the best bank card straight away.
Before you also make an application for a cashback card, do just a little digging for the best choice for you. It is not always one that offers the highest cashback quantity, or perhaps the one with the least expensive APR – this will depend a good deal on what you use your bank card.

– Choose a cashback credit card that offers you cash back regarding acquisitions you’re likely to make.
The latest trend with card businesses would be to motivate whatever they call micropurchases – expenditures of lower than £5. Meaning they are providing cash return on your own purchases at part shops, petrol stations and supermarkets to get you to utilize their cards to cover your purchases truth be told there. If you are searching for a cashback charge card, examine which purchases can pay you cash return. Should they’ll spend you to definitely get on plastic in the stores you already go shopping, it is a card you desire inside wallet.

– the top credit card will have both a minimal APR and increased money back plan.
Those are unusual, though. Quite often, you need to choose between the two. If you need to choose from the two, pick a card with a good cash return plan, and start to become certain to settle the balance on a monthly basis.

– Don’t mix and suit your purchases.
Keep your long term plus instant purchases on split bank cards. The only path that a cashback bank card is practical is when you aren’t repaying interest on a carried stability, considering that the interest that you pay can be significantly more than the bucks straight back you will get. That you do not want to be paying interest for months on the other day’s food or cup of coffee. If you mix and match your acquisitions using one card, you will become paying rates of interest that builds balance as opposed to paying it off.

– determine how you’d like to ensure you get your cash return.
The various card organizations offer different repayment schemes for the cash back. The options keep changing, although most frequent tend to be:
a) a lump amount payment once a year mailed for you as a cheque or a present card
b) a lump amount repayment annually credited towards account
c) working discounts paid for your requirements instantly

Realistically, getting some pence paid towards balance every time you make a purchase is the choice which makes more economic feeling. You will get employing that money immediately since it cuts back your charge card balance. If you end up carrying a balance, it really is various pence less you are paying interest on. Practically, though, lump sum payment payments may be useful to you. Select the one that works for you.

– always check contrast web sites usually to get the best cashback discounts.
Card organizations are continuously upgrading and changing the deals they offer. The very best cashback bank card these days might not be ideal one tomorrow. Keep you eye on permanently discounts in the future along.

– pay-off your full stability each month.
We said it prior to, but it holds repeating. Do not carry a balance on your own cashback charge card. There’s no good sense gathering interest fees that set you back over you’ll save your self by it.

Jon Francis was associated with finance for quite some time! With a detailed understanding of the credit card UK market assistance assists other people get the best from a credit card.

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