Protecting Yourself From Identity Theft

reporting identity theftIdentity theft is a very serious crime that could have devastating consequences to a victim. It is when a criminal steals the identity of a person and uses his or her identity to make fraudulent purchases, obtain services and open credit card accounts in their name. Criminals target bank account, credit card, social security and medical insurance numbers to commit fraud. They will also use names and addresses so that they can open bank accounts and credit cards using other people’s names and addresses.

Identity thieves may also use an ID that they have stolen if they got arrested. They can provide false identification to law enforcement officials, which would then create a criminal record for the victim.

Identity theft can result in the loss of money through unauthorized purchases and transfer of money to the criminal. It can also ruin a person’s credit history through the opening and use of unauthorized credit cards accounts. A criminal record may also appear through identity theft as criminals try to cover their tracks using stolen IDs.

How Can I Protect Myself From Identity Theft?

The best way to protect yourself from identity theft is to sign up for an identity theft protection service (here’s some good reviews – http://www.idtheftauthority.com/reviews/) and to take precautions when someone asks you for personal information. Shred or destroy paper that may contain personnel information such as social security numbers, bank account numbers and your name and address instead of just disposing it. Many identity thieves resort to “dumpster diving” where they will rummage through trash cans in order to try and find personnel information that they can use to carry out fraud. Be aware of your surroundings in public places and stores. Crooks will a technique called shoulder surfing to try and spot personnel information you may be writing down at a government agency or store when filling out applications. Shield your application with your body or cover it with your hand so that nobody can snoop and see it.

Don’t fall victim to email and phone scams. Companies will never ask for personnel information through email such as your login credentials or social security number. If you get an email from someone claiming that they are from your bank and they need your username, password or social security number it is a scam and you should report it. Phone calls that ask for personal information should also be treated the same way and reported.

What Can Victims of Identity Theft Do To Minimize Damage?

If you have been the victim of identity theft there are several things you can do to limit the damage done. The first thing you should do is contact one of the three credit reporting companies and tell them that your identity has been stolen. A fraud alert can be placed under your name and this will help prevent further unauthorized transactions. You should then review your credit report, which will be available for free for victims of identity theft. If you spot any unauthorized accounts in your report, contact those companies and tell them your identity has been compromised. File a complaint with the FTC by phone at 1-877-438-4338 or online at ftc.gov/complaint. Once you have completed your complaint and have an identity theft affidavit, take it to a police station and have a police report filed. The affidavit and police report together constitute a identity theft report which proves that you were a victim of identity theft. It can help you in settling debts and restoring your credit score.

Four Tips to Help You Get the Most Out of Your Pheromone Spray

sexy couplePheromones can play an important role in attraction. Pheromones are naturally produced chemicals that are created when people sweat. The inability to produce enough human pheromones may make attracting a mate difficult. Pheromone sprays have long been touted as a way to improve the chances of finding you attractive. However, increasing the chances of finding a mate depends on using the sprays properly. Here are some tips for making pheromone sprays work for you.

Use the Spray on the Right Areas of the Body

Pheromones can be sprayed like you would spray perfume. Spray them on the warm areas of the body. These areas help to keep the pheromones active. Typical areas of the body that can be sprayed in include the wrists, neck, behind the ears, chest and throat. Women find greater success when they apply the spray to their thighs and ankles.

Spray Concentrated Formulas on Clothing to Diffuse the Scent

Spraying clothing helps to make the pheromone last longer. However, doing will dampen the scent. If you are spraying a light concentration on clothing, you will need to apply twice as much. A heavily concentrated formula is better suited for clothing as it will allow the right amount of pheromones to be detected by others.

Do Not Over-spray

Not producing enough pheromones can decrease your chances of attracting someone. However, too much pheromone can also repel a person. You should use one spray on the intended area. The top pheromones for men usually lasts for up to twelve hours. If you find that people are stating that you have a peculiar odor, you used too much. You may want to mix the pheromone with perfume or try spraying it onto your clothing. You may also consider trying a pheromone spray that works better with your body chemistry.

Moisturize Before Applying Pheromones

Keeping your skin moisturized is a good way to help the pheromone scent last longer. Ideally, you should use the spray after you shower or apply a moisturizer. Before spraying your skin, make sure the moisturizer is fully absorbed by the skin.

People have sworn by the effects of pheromone use for several years. While they will increase your chances of attracting someone, it is important that the sprays properly. These tips will help to ensure you get the best use out of your spray.

Get Out of Debt with Credit Repair Services

repair bad creditThose with poor credit scores often feel as if they are always struggling to get ahead. They cannot get approved for a home or auto loan so they do not know the concept of ownership. They also cannot get any type of credit card which is required for certain purchases where debit is not accepted. Of course, their stress levels tend to be elevated at all times as well as the calls from the bill collectors never seem to stop and the debt continues to grow. Many people know they can never make enough money to get out of debt so they continue to fall deeper and deeper into despair.

Learn About Damage Control & Credit Repair

There are many different ways that people fall into debt, but there are ways to start to get out of debt. By following basic credit repair guidelines you can start to get back on top of things. The best way to start is to order full credit reports from the three reporting agencies: Experian, Equifax, and Transfax. These reports are made available to you for free once a year, but you can pay to purchase a report if you need an updated copy after viewing your report earlier in the year.   Sky Blue Credit is a company that can help you obtain these reports as well as help repair your credit.

Start With Manageable Amounts & Settlements

The next task you can take care of are any small amounts that are clinging to your credit report. Small amounts are easy to pay off and they look poorly on your credit report as they appear to be lazy missed payments. Pay off any small payment immediately and then ask the creditor to remove them from your credit report. With larger amounts you can start calling creditors and ask them what the payoff amount would be. Most are happy to accept some form of payment instead of nothing and will agree to settle a debt for 60% or sometimes even less. If they agree to a deal then you need to have this faxed to you in writing so that you can later appeal to the credit reporting agency to remove the negative item if the company fails to do so.

Seek Out Help

If you start to sift through your debt but still feel overwhelmed and like you will never get anywhere then it may be time to seek help from a professional credit repair company. These can be great assets, but not all credit repair companies are trustworthy so make sure to do your research first to make sure you choose the best company for your particular circumstance.