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Credit Card Fraud
Credit card fraud can be a critical matter. For victims, it can be a frightening experience. Nobody wants to live their life on edge, but it always seems that credit card theft could happen at some really unexpected times. Although there is no guarantee that anybody is free from becoming a VICTIM OF IDENTITY THEFT, there are certain things that can be done to decrease your chances of you falling victim to credit fraud.
- Check ATMs and gas pumps for loose parts or suspicious keypads. If you discover something suspicious, you need to inform the service station or bank, and transact your business at a different store or location.
- Check your credit card statements for strange charges. CHECKING YOUR CREDIT REPORT on a regular basis can allow you to react much better to fraud or identity theft.
- Be careful when opening the Internet in public. Unlike home or office WiFi networks, there’s a large # of WiFi spots that don’t encrypt the info being transmitted through them. Your email, credit cards, and even bank account, information could be fair game for a cyberpunk with the proper skills. Never share private information with a stranger on social media sites and then try to limit the private information you share with your friends.
- Don’t carry information in your wallet or purse that you don’t need. Birth certificates, Social Security cards, PIN numbers and passwords can be easily stolen. Identity thieves could be gone before you become aware of any missing information.
- Shred documents with personal information before you throw them away. Identity theft crimes are usually thought of as being high-tech in general. There are still identity thieves who do not mind foraging through a dumpster for valuable information.
Think You May Be a Victim of Fraud?
IF YOU SUSPECT you are a victim of identity theft, you might consider adding a 90-day fraud alert to your credit report. A fraud alert warns lenders that you may be a victim so they can take additional steps to verify your identity before approving a loan application. Immediately inform creditors when you suspect or have proof of fraud. Take time to document every contact. Be sure you thoroughly comprehend the process of reporting fraud & what’s expected of yourself as well as the creditor.
Preventing credit card fraud takes a conscious effort. Protecting your credit card information begins with you.
If you or someone you know has been a victim of identity theft or credit card fraud, Nationwide Credit Clearing can help.
Nationwide Credit Clearing
2336 N. Damen
First Floor
Chicago, IL 60647
Phone: 773-862-7700
Toll Free: 877-334-3296
Fax: 773-862-7703
Why Is My Overall Credit Score Important?
What Is A Credit Score?
A credit score is a three-digit number, typically between 300 to 850, which credit bureaus calculate based on information in your credit report. It is a simple, numeric expression of your credit worthiness. Although the three credit reporting bureaus (Equifax, Experian, and Trans Union), use similar methods to determine a credit score, the formulas they use are not exactly the same and your credit score will vary from bureau to bureau.
How is My Overall Credit Score Calculated?
Your credit score is calculated based on a number of factors listed in your credit history that describe components of your financial life including the number and type of credit accounts you have, the amount of available credit, the length of your credit history and your payment history. Each of these factors is assigned a numerical value, and then weighted based on how prominently they affect your credit worthiness.
How Do My Actions Impact My Score?
The good news is that no matter where your credit score is today, there are a number of different steps you can take now that can change your credit history and help impact your credit score. You should take all the steps you can to help establish a good credit score.
Why Should I Check my Credit History and Overall Credit Score?
In today’s digital economy, your credit history and credit score are vital pieces of information that are key to helping you secure your financial life. Credit card companies, mortgage lenders, and insurance companies will pull copies of your credit report and score in order to decide whether to extend credit or how much to charge for your insurance premium.
Financial services companies tend to group borrowers into segments according to their credit score. These credit score ranges may determine how much you’ll be charged for your insurance coverage or the interest rate you pay on your mortgage, student or car loan or the type of credit card you’ll be offered.
If you haven’t checked your score lately, or have interest in improving your overall credit score, contact Nationwide Credit Clearing.
We offer Free (no credit card required) consultations after we pull your free credit report. Contact us Today!!
Credit Card Fraud
Credit card fraud is a serious matter. For victims, it can be a frightening experience. While no one wants to live a life looking over their shoulder, credit card theft can happen at the most unexpected times. While there is no guarantee that anyone is exempt from becoming a VICTIM OF IDENTITY THEFT, there are certain things you can do to decrease your chances of falling victim to credit fraud.
**Check ATMs and gas pumps for loose partsparts or suspicious keypads. If you find something suspicious, you should inform the gas station or bank, and transact your business at another machine.
**Check your credit card statements for unusual charges. CHECKING YOUR CREDIT REPORT on a regular basis can help you react quicker to fraud or identity theft.
**Be careful when accessing the Internet in public venues. Unlike home or office WiFi networks, there are a large number of WiFi spots that do not encrypt the data being transmitted through them. Your email, bank account, and credit card information could be fair game for a hacker with the right skills. Never share personal information with a stranger on social media sites and try to limit the personal information you share with your friends.
**Don’t carry information in your wallet or purse that you do not need. Birth certificates, Social Security cards, PIN numbers and passwords can be easily stolen. Identity thieves can be long gone before you become aware of any missing information.
**Shred documents with personal information before you throw them away. Identity theft crimes are usually thought of as being high-tech in nature. There are still identity thieves who do not mind foraging through a dumpster for valuable information.
Think You May Be a Victim of Fraud?
IF YOU suspect you are a victim of identity theft or fraud, you may want to consider adding a 90-day fraud alert to your credit report. A fraud alert warns lenders that you may be a victim so they can take additional steps to verify your identity before approving a loan application. Immediately inform creditors when you suspect or have proof of fraud. Take time to document every contact. Make sure you thoroughly understand the process of reporting fraud and what is expected of both you and the creditor.
Preventing credit card fraud takes awareness and effort. Protecting your personal and credit card information is probably one of the most important steps you could take to prevent Credit Card Fraud.
For more information or if you have been a victim of Credit Card Fraud, Contact Nationwide Credit Clearing
X-5 Credit Repair System
New X5 Credit Repair is the newest software that has been rolled out by Nationwide Credit Clearing. This software is the most cutting edge on the market today. once you become a client, you will be able to login to your account online to view the status as well as send email updates frequently regarding the status of your deleted items.
Along with that, everytime your file is updated, you will receive a text message regarding the changes.
On another note, if you just happen to be a mortgage broker and you refer a client to Nationwide Credit, you will automatically become an agent so you can check on the status of potential clients credit reports and deletions.
Remember, Nationwide Credit Clearing is the #1 Credit Repair company in the industry, providing you with the ultimate in credit repair technology… contact us today for your FREE credit report and consultation.
Nationwide Credit Clearing
2336 N. Damen
First Floor
Chicago, IL 60647
Phone: 773-862-7700
Toll Free: 877-334-3296
Fax: 773-862-7703
E-Mail: support@mynationwidecredit.com
Credit Repair Results – A Case Study
Nationwide Credit Clearing has been in the credit repair business for 28 years and we have helped thousands of people eliminate deragatory items from their credit report. We handle all of the work for the clients from start to finish. We give the client a free credit report consultation on day one. For us. however, It’s not just about signing up clients- we want to help them reach their goals. We Care! This is how much we care….
Here is an example of a client we have been working with more recently, and you can see by the data below… WE GET OUR CLIENTS RESULTS…
EQUIFAX: Score increase 26 Points from 720 to 746
Before:
After:
TRANSUNION: Score increase 42 Points from 685 to 727
Before:
After:
EXPERIAN: Score increase 89 Points from 667 to 756
Before:
After:
As you can see, we take your credit matters personally, and if we don’t get you results, we are not satisfied. If your new years resolution involves managing your money or increasing your credit score so that you can ultimately live a more fullfilling life, then you came to the right place.
What are you waiting for? Click HERE to get your FREE (no credit card required) Credit Report and Consultation…
Nationwide Credit Clearing
2336 N. Damen
First Floor
Chicago, IL 60647
Phone: 773-862-7700
Toll Free: 877-334-3296
Fax: 773-862-7703
E-Mail: support@mynationwidecredit.com
Debt Solutions: Ways to Begin Eliminating Credit Card Debt
A lot of people end up with staggering credit card debt. Even though it seems overwhelming, trimming your financial allowance through small changes in your lifestyle might help.
Debt Solutions: Day-To-Day Savings
Take a seat and consider the amount of money you would spend throughout the week on coffee, lunches and takeout dinners. Somebody who spends $ 5 each day in the coffeehouse is looking at Hundred Dollar expenditure throughout the course of the month. Invest that first month’s savings on a at home coffee maker and travel mug so you’re able to take the coffee from your home. The same goes for your morning breakfast. You will begin to see extra cash in your pocketbook right away.
For lunch time, take the brown bag with you. The $10 or more you spend every day on one salad or perhaps a sandwich leads to over $200 monthly. Instead, buy salad fixings or lunch meat at the supermarket. For anybody who typically runs late each and every morning, pack your lunch the evening before to prevent adding precious minutes towards your morning routine.
This may be the toughest adjustment for families on the go, but it’s time to cut back on takeout dinners. These quickie meals are budget busters. A few cartons of Chinese food or a couple of pizzas can easily run you $30 or more a pop. Instead, keep frozen prepared meals on hand for those nights when cooking isn’t an option. Double your recipes and freeze batches of soup, chili and casseroles on weekends when you have time to cook. Even frozen prepared foods from the grocery store will save you considerable amounts of money. Avoiding expensive takeout even twice a week can save nearly $250 a month.
Debt Solutions: Monthly Payments
The initial place to search for simple savings is in your mobile phone, cable and Internet fees. Chances are you’re spending money on features you are not using. For people with every cable channel but aren’t big on watching TV, contact your cable company to find out what packages are available that still offer what you need. Your cell phone bill could possibly be another budget drain which can be trimmed through careful research of packages available.
You could search for a bundle package that provides you significantly lower rates on your Internet, mobile phones and cable by utilizing the same company for all those. Comparison-shop between providers and do not hesitate to let them understand what you have been proposed by their competitors. This tactic is known to sweeten many deals.
Debt Solutions: Big-Ticket Items
Make the most use out of your expensive items before replacing them. Keep appliances, cars and electronics until they are no longer useful instead of purchasing every new item that comes on the market. You could be in need of that new tablet, but stick to the existing laptop for a bit — it is not costing you anything at all. Invest a few bucks in repairs to maintain your big-ticket belongings in good condition, and wait to buy new items before you look for a deal you simply can’t pass by.
Now that you know more about how to eliminate credit card debt, get your FREE credit report & consultation from the #1 Chicago Credit Repair Company, Nationwide Credit Clearing.
Nationwide Credit Clearing
2336 N. Damen
First Floor
Chicago, IL 60647
Phone: 773-862-7700
Toll Free: 877-334-3296
Fax: 773-862-7703
E-Mail: support@mynationwidecredit.com
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Can’t get a loan because of low credit score?
If you have a low credit score or credit problems as a result of declaring bankruptcy or foreclosing on a home, or if your credit scores have dropped because of late payments or failure to pay, do not despair.
Although a good credit score can drop very quickly, at times taking a hit of as much as 150 points or more, it is possible to improve your credit over time and to qualify for a new mortgage loan. Boosting low credit scores is not the only means for people with deficient credit to get a home loan. The Federal Housing Administration (FHA), in an effort to promote homeownership, has made it easier for people with a damaged credit history to qualify for a mortgage loan. Under certain circumstances, people who have foreclosed or declared bankruptcy can obtain an FHA loan several years earlier than a conventional loan, and these people can buy a home with a smaller down payment.
Credit Scores & Lenders
Credit scores indicate to lenders how well you manage money. You can improve bad credit by demonstrating that you can now handle money more responsibly. Furthermore, since poor credit scores translate into high interest rates on home loans, an improved score will help you get lower interest rates when you are ready to qualify.
How to improve credit scores to qualify for a loan
Here are a few ways people with a negative credit history can raise their credit scores and ultimately obtain financing for a new mortgage loan:
- Improve payment history by making payments on time
- Do not open new lines of credit Use credit cards sparingly, and without overextending credit lines
- Make payments in full Have up to four different kinds of credit accounts
- Show evidence of steady employment for a period of one to two years
- Come up with a budget plan and stick to it
- Build up savings
Insider’s tip: Credit experts advise not spending more than 25 percent of your available credit on any credit card account. If you have a $1,000 maximum in a given account, the balance should not be more than $250-$300. Better yet, wipe the slate clean and carry no balance whatsoever.
Other options to consider
Credit Repair? Nationwide Credit Clearing can help you eliminate any incorrect or negative items on your report, ultimately allowing you to qualify for that home loan.
Give us a call today.
Nationwide Credit Clearing
2336 N. Damen
First Floor
Chicago, IL 60647
Phone: 773-862-7700
Toll Free: 877-334-3296
Fax: 773-862-7703
E-Mail:support@mynationwidecredit.com
How long does information stay on my Credit Report and how can Credit Repair help me?
This is a great topic because it is one of Most Frequently Asked Questions to credit repair companies by those who are trying to improve their overall credit score. The answer is probably not what you are looking for if you are someone who has had significant late payments, judgements, bankruptcy or other
Here’s the Breakdown:
and Although It depends on the type of negative information, here’s the average idea of how long different types of negative information will stay on your credit report:
- Late payments: 7 years
- Bankruptcies: 7 years for completed Chapter 13 bankruptcies and 10 years for Chapter 7 bankruptcies.
- Foreclosures: 7 years
- Collections: Generally, about 7 years, depending on the age of the debt being collected.
- Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely.
Length of Time Matters:
For all of these negative items, the older they are the less impact they are going to have on your FICO® score. For example, a collection that is 4 years old will hurt much less than a collection that is 4 months old.
After that time it will be automatically removed from your report. But 7-10 years is a long time, and that negative information can be standing in the way of you buying a car, a house, or getting a good loan. Public records have a huge impact on your credit report and your credit score as well.
At Nationwide Credit Clearing, we help you get those items removed. There is no reason for those items to remain on your report for 7-10 years.
Positive Information:
All positive information on your credit report can stay there forever. The more positive information, the better your credit score will be
It’s time to start learning how to STOP LETTING BAD CREDIT AFFECT YOUR FINANCES. When you sign up with Nationwide Credit Clearing, we take the lead to work on your credit report and dispute unfavorable or inaccurate and outdated information. By doing this it will help save time, energy and frustration. More importantly we help to improve your credit score and ultimately fulfill your dreams… whatever they may be!
Nationwide Credit Clearing offers absolutely FREE – no credit card required – credit reports and consultations. To see your credit score, contact us now.
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