Liberty Credit Repair

Who is responsible for protecting your identity and credit history? Only you are responsible for making sure your personal information is safe. The best way to protect your credit is to check your credit regularly through AnnualCreditReport.com. If you discover any errors or mistakes, report the errors immediately so the banks and credit reporting bureaus can help resolve your credit disputes. If you do want to hire a credit monitoring service, make sure you use a service that will help prevent fraud, protect your personal information, and resolve any disputes.

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A not totally unsurprising development from those that look at security, the supposedly secure chip and pin facility in UK credit and debit cards is easily broken and fraudulent transactions are easily made. Unsurprisingly, the useless UK banks say it’s not our problem. The chip and pin system was designed to offload blame for fraud onto the customer away from the banks that enable the fraud in the first place. And now with RFID in UK credit and debit cards, fraud will be even easier and impossible to dispute.

Recorded from Newsnight, 11 February 2010.

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The credit bureaus are keeping quiet about the best identity theft prevention option, the Credit Freeze.

They apparently dont want you to know about the credit freeze (a.k.a. Security Freeze) because once your credit is frozen they can not sell your personal credit information to numerous marketers.

We want you to know about this little known secret and ask that you share it with your friends and family; the most effective personal option for identity theft prevention is the credit freeze, period.

A credit freeze is a more effective method of identity theft prevention than a fraud alert (what Lifelock and others sell) because with a fraud alert, creditors still have access to your credit file and often ignore the alert and grant credit anyway!

So both methods are aimed at stopping identity thieves from obtaining new credit lines in your name but the credit freeze is a much more potent protection for consumers concerned with identity theft prevention.

Because the credit freeze is only obtainable directly from the credit bureaus (and they dont want you to know about it) there is very low public awareness about this identity theft prevention option.

It is easy to learn how you can freeze and unfreeze your credit at the three major credit bureaus through the use of a credit freeze. We show you how, step by step in this video.

Please visit http://www.IdentityTheft.info, for more information about a security credit freeze and identity theft prevention.

Identity theft affects fifteen million victims a year resulting in fifty billion dollars in fraud. As these numbers show the impact of identity theft is staggering.
What can you do to protect yourself? Hi, Im Bob Sullivan from MSNBC. The safest and frankly the only effective way to stop many types of identity theft is to place a security freeze on all three of your credit files.

A freeze prevents anyone from accessing your credit report. Without that credit history a company wont approve a loan or issue a credit card. So identity thieves can not get credit in your name.

Let me take you inside id theft for the info you need to get a security freeze.

Credit freezes arent free. Prices vary from state to state. If youre a victim of identity theft credit bureaus may waive the fee. You will have to contact all three credit bureaus; Experian, Equifax and TransUnion and provide them with your personal information. The process will be slightly different at each bureau.

At Experian you will first get this warning that a security freeze may make your life very difficult, but dont worry because it is not permanent. You can lift the credit freeze if in when you want to apply for credit. Now, pick your state. Then you will be asked for your name, social security number, date of birth, current and past addresses dating back two years, a copy of your drivers license and one utility bill. Notice you will pick a pin unlock code, write that down and put it in a safe spot. You will need it later to have the credit freeze lifted. Send the paper work by certified or overnight mail to Experian PO Box 9544 Allen, TX 75013 and in a few weeks you will get a notice from Experian that your credit file is frozen.

You will need to contact the other two credit bureaus too to be sure your credit is safe.
Again, it is important to note that to obtain the highest identity theft prevention level you must put a security freeze in place at all three credit bureaus.

To get a credit freeze from Equifax, send a certified letter with the requested information, a utility bill for proof of address, a police report if you are a identity theft victim and payment. Fees are different depending on where you live so you should check for your state online.

TransUnion wants similar information; a copy of your drivers license and payment. Send your credit freeze request to TransUnion Fraud Victim Assistance Department PO Box 6790 Fullerton, CA 92834. In a few states residents can apply by phone.

Security freezes offer real piece of mind to people who are worried about identity theft prevention. Remember a credit freeze may delay any new loans, credit applications or other purchases you legitimately want to make so you will have to plan ahead for thawing that credit freeze.

There is no full proof method of identity theft prevention but a credit freeze is currently the best option available.

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http://www.lightshipmutual.com/swabthedeck.php
Home mortgage. Car loan. Employment. Insurance. Your ability to obtain all of these financial goals is directly dependent upon your credit history. Do you even know what your credit scores are? Well, it’s time to obtain, analyze, and repair your credit reports and to finally take control of your financial future.

A swab is a yarn mop. The crew on board fishing boats swab the deck many times daily to wash up splashes, spills, and the foul smell of fish. This keeps the boat clean. In financial planning, your personal credit also need continuous swabbing in order to improve your awareness, prevent identity theft, and eliminate the fishy smell of reporting errors.

With Swab the Deck, the primary focus is analysis. We will teach you the fundamentals of responsible credit management. At the same time, we realize not everyone is beginning with a clean slate, so we will also share techniques for removing inaccurate negative information from your credit reports as well as how to best build a positive history from scratch.

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http://www.KaydemCreditHelp.com
Call us: (866) 237-0013

You want to fix your credit, looking for a credit repair company that will raise your credit score? Welcome to Kaydem Credit Help

Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast!

What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…

While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.

Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this.

One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.

How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.

Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:

1.) The “High Credit Limit”

and

2.) Your “Debt to Credit” Ratio

Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).

Get it? Good.

Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).

Keep in mind, your high credit limit is comprise ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.

A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?

That is the question….

The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!).
These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.

We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:

http://www.KaydemCreditHelp.com

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