Zero Fraud Liability

Posted on Wednesday, 6th July 2011 by Admin

Personal loans have been in the mix of things for a long time now. However, not everyone prefers them, as the process of application is long. Even after going through that, you might not end up finding yourself as an eligible candidate. However, with the coming of Pensacola title pawn in the fray, people have started going back for personal loans.

Pensacola title pawn is nothing but a unique type of a secured personal loan. It sees the lender keeping the title of your car as a security against the loan amount offered to you. The advantage with such a loan is that only the title is being offered and you still have your car with you during the tenure of the loan. However, if you fail to repay the loan, you may end up losing your asset to the lender.

With Pensacola title pawn, the process will never taste your patience. You will know your fate within a few hours of submitting your application. Read more…

Tags: pensacola title pawn
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Posted on Tuesday, 5th July 2011 by Nathan Thorpe

If you haven’t already been touched by identity theft in some form, or if you don’t know someone that has, you’re lucky. The truth is, nearly 10 million identity thefts happen in the US alone each year. That means that identity theft isn’t one of those “if it happens” crimes. It’s a “when it happens” crime.

Very often you hear that you should protect your personal information fiercely, and you know that means you should protect your Social Security Number and your credit information, but is that the only information that’s at risk? How sensitive are things like your date of birth and your mother’s maiden name? The list below shows you what’s the most sought after informaiton and how sensitive that information is.

This is just a sampling of the information that identity theives are likely to be after, however, it gives you a general idea of how sensitive your information is.

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Posted on Tuesday, 5th July 2011 by Archie Norton

Q: How can I tell if there are any judgements against me?

A: If your judgement is a matter of public record, it should appear on your credit report.  Typical items that might show up on your credit report include bankruptcies, foreclosures, tax liens, judgments and overdue child support.  Timing also matters, as it takes 7-10 years from the date of filing for something to be removed from your credit report (see this blog post on the Credit Report Statue of Limitations for specifics).  So if you had a judgement filed against you over 7 years ago, it might not still be showing up on your report.

Make sure you check all 3 of your credit reports from the credit bureaus (Equifax, Experian and TransUnion) for judgments, as it is possible for the information to show up on 1 of the reports and not the others.  If

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Tags: Judgements, Tell If
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Posted on Monday, 4th July 2011 by Nathan Thorpe

We all know that a data breach can occur in many ways that go beyond the traditional hacking methods done via cyber space. A disgruntled employee can steal a laptop computer, a laptop can be lost, sensitive data can even be left in the garbage dumpster…the list goes on and on. And as we have covered before, we are human and unfortunately we make mistakes.

Though it is in our best interest to try to minimize human error as much as possible. Heck, we will never bat 1,000 or reach utter perfection in anything, but we can strive to do better and make the best of what we have. Brokerage firm Morgan Stanley recently got itself into some hot water for a major tactical error that resulted in a pretty serious data breach.

The company mailed two CDs containing information for 34,000 clients to the New York State Department of Taxation and Finance. And guess what happened? T

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Posted on Sunday, 3rd July 2011 by Nathan Thorpe

Identity theft is often thought of as an electronic crime. In truth, however, it’s your every day habits that could lead to identity theft. Little things that you don’t think about it can create the opportunities that an identity thief needs to grab enough information to damage your credit, or worse, your whole life. Here’s a quick list of four common ways that identity thieves gain access to your personal information and steal your identity.

1. Wayward Receipts

Before 2006, merchants printed credit card numbers on receipts. Today, that practice that is supposed to be illegal, but there are times when it still happens. Especially if the merchant you’re shopping with uses one of the old carbon credit card machines to make a copy of your credit card. Even new cash registers print the last four digits of the card number and an expiration date on the receipt. This in

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Tags: Id Theft, Theft
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Posted on Sunday, 3rd July 2011 by Nathan Thorpe

You’re Identity’s In the Mail

The U.S. Postal Service handles more than 207 billion pieces of mail each month. That’s 207 billion opportunities for identity thieves to obtain information that can be used to steal people’s identities. And those criminals take advantage of as many of those opportunities as they can.

In fact, your mailbox is the riskiest non-technological point for identity theft, according to a study released in October 2007. The study, an assessment of closed U.S. Secret Service cases between 2000 and 2006 which had components of identity theft and identity fraud, showed the top two methods of non-technological identity theft were re-routing of mail and mail theft. In other words, your mailbox is a serious threat to your identity.

Where’d My Mail Go?

Re-routing of mail topped the list of non-technology threats for identity theft. The

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