Identity Theft is America's fastest growing crime today.
Why is good credit so Important?
In today's economic market, with so many job losses, foreclosures, and reduction of income, your credit is a major factor in being recognized as a worthwhile investment by a lender. Car loans, personal loans, background checks, employment checks, utility services, everything now seems to depend on what your Credit Worthiness is.
Many of these credit needs come at unexpected moments. Car repairs, personal emergencies, and getting a quick line of credit depends greatly on your credit score. If your credit has been damaged by an Identity Thief, you'll have many hours ahead of you cleaning it up. What's best is to have safe-guards in place to prevent it in the first place.
Trying to correct your credit report can take up to 30 days or more for simple things, so it's best to look into it before you need to. Low credit scores severely limit lending offers. Even if you have bad credit, don't compound the problem by errors and Identity Theft. The solution is knowledge, and the benefit is confidence when you need credit.
That's what this book is about. To help you build a fortress of defense, strengthening your credit worthiness, and regaining control of what is yours, your credit.
It's not a matter of IF, it's a matter of WHEN, it's just a matter of when your number is called. Even if you don't become a victim of Identity Theft, you can have errors on your credit report that will affect your ability to open new lines of credit. What you don't know, can hurt you.
Consider other occasions where knowledge and preparation is beneficial:
- Most states require insurance before you can legally drive a car
- A Lawyer doesn't go to trial before he's prepared if he want's to have a chance of winning
- The Military will make sure before it goes to war that it considers every option
- It's not smart to take school finals before you study for them
- and it's not smart to apply for credit before you know what's on your credit report
What is Your Weakest Link?
You've heard that phrase, implying that even the strongest chain has its weak link. The action needed, (a loan approval) can be denied if access to your credit was found by an Identity Thief at your weak link. What is your weakest link?
Could access to your credit been compromised by mail theft? Someone filling out one of those Pre-Approved Credit Cards you keep getting, and just throwing them away. Then someone finds it in your trash before it gets collected, fills it out with a different address, and you never see the bills, but your credit report see's the late payments building up, and your credit score going down. Is this your weak link?
Or how about a new service for utilities opened up in your name. Some people do own several homes and rent them out, so who's to question another home in your name. Since some businesses only require a current utility bill as proof of identification, another form of credit gets opened in your name, and the web of deceit starts its growth. Is this your weak link?
How are you going to strengthen your weak links? More tips like these are found in the book, things you might never even consider, until you learn about them the hard way.
Step-by-Step Actions with Phone Numbers To Call
That's what I offer in my new quick reference book. I give you step-by-step actions, from the most important to the next most important along with a full list of numbers to call, write, or go online now to build your fortress of credit protection. What are some sources offline that you need to beware of that can cause Identity Theft. Can you name a few ways to tell if you may be a victim of Identity Theft? Also free bonus answers to the top questions about identity theft.
On page One I list the needed steps, on page Two I start into details of the steps. No Forewords, No Acknowledgments, no stories, you don't have to hunt for the steps you need to know, they're conveniently at the front of the book, imagine that.
I Arm You With Knowledge
Many identity theft services online just hand you the fish, I teach you to fish, so you can feed yourself. (metaphor)
When our kids were growing up and they were afraid of the dark at bedtime, we empowered them with knowledge. Once they were old enough to
walk we'd teach them they could get up and turn the light on if it would help. That gave them the feeling of control. Once in control of what once controlled you, you've reversed the out-of-control factor.
By following the recommendations I provide to you in this book, you will be armed with powerful steps that can be repeated.
Shedding light on the unknown now allows you to see the obstacles you were once tripping over. No more guesswork, either step over them or move them out of the way.
A good credit report not only will get you more credit, but let you get it at lower interest rates, saving you money
from day one. Don't let Identity Theft put you on the defensive. Be in control, know where you stand. You should know more about Yourself than the banks do. Be armed with knowledge when you need credit.
What You Get in this book
- 22 Pages Total, including 11 Steps towards a more secure Identity protection, complete list of phone numbers, addresses and web sites to make contact with for quick access to your credit report, 10 Pages of Answers to the Most Asked Questions
- Steps to Take to help Protect You and Your Family Against Identity Theft
- Tips on "Do's and Don't Do's" that can weaken your Hedge of Protection
- What type of shredder should you buy
- What forms of Identification should you use to prove you are really you with Identity Theft
- Full list of phone numbers, web sites, mailing addresses to contact to for quick action
- List of ways to Tell if You May be a Victim of Identity Theft
- Bonus Material: Answers to the Top Ten Questions Asked about Identity Theft. Asked by those who took my survey, and were actual victims, and family or friends of victims, and those who wanted stronger protection.
- Link to my Identity Theft News Blog to keep you informed on the Latest of what's happening in the Identity Theft realm.
- Phone number to Opt-Out of unwanted offers in your mail like Pre-Approved credit cards.
- Links to questions like "What is the difference between a Fraud Alert and a Credit Freeze?"
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(This book is not meant to be a credit repair for missed
payments, or poor judgment brought on by yourself.
It's purpose is to help understand your rights and make the road to Identity Theft protection better.)
