| The key to stopping Consumer and Identity Fraud is awareness! Here are some questions to ask yourself if you think your being targeted!
Have I...
- Ever received unusual solicitations from companies I've never heard of or spoken with?
- Ever had an unauthorized charge involving my personal accounts?
- Ever been approved for accounts or offers that I never requested?
- Ever been asked to donate to unfamiliar charities or non-profit organizations? Ever been threatened or abused by a solicitor wanting money?
- Ever received lottery or sweepstake offers requiring entry costs or fees?
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| If you have answered yes to any of the above questions, here are the reasons why!
Our personal information is very easily accessible with today’s technology. A lot of companies share their own customer’s valuable information with other organizations offering similar products or services. These entities can then, not only solicit the consumers but circulate their information to other companies and so on and so on...! This process explains the unusual offers consumers receive via telephone, mail and even the Internet.
As Americans, we have the right to request this process not take place! With the purchase of any CBRG Stress Less Product you will receive a consultation with one of our trained counselors. UNLIMITED consultation is offered with the purchase of the Identity Fraud Program! Find out how CBRG can personalize a solution for you by contacting us now.
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CREDIT REPORTS & CREDIT INFORMATION ALSO PLEASE SEE RESEARCH & PERSONAL DEFENSE The Truth About Credit File InquiriesGood credit is critical to getting more out of life. And managing your credit throughout the year can help you get the things you want -- when you want them. But many people think that checking their credit file too much will hurt their score because each request creates an inquiry. Below, we explain the truth about inquiries.
There are 2 general categories of credit inquiries: “hard” inquiries and “soft” inquiries. A hard inquiry “counts” in your credit score. Generally, a hard inquiry is recorded when a business pulls your credit file because you have asked for credit to be extended to you or initiated some other specific transaction or application that allows the person to obtain your credit report. You must initiate the transaction for the resulting inquiry to “count” in your credit score. Only hard inquiries in the most recent 12 months affect your credit score. A soft inquiry does not affect your credit score. Soft inquiries occur when:
1. You order your own credit report and score;
2. A company that has issued a credit card or extended other credit to you pulls your credit report to review your account;
3. A company “pre-approves” you for an offer of credit (if, however, you take advantage of a pre-approved offer, the lender will pull your credit report, which will create a hard inquiry).
These inquiries are displayed to you when you receive your credit report from Equifax or another credit reporting agency for informational purposes. However, they are not displayed to creditors or others that obtain your credit report. Generally speaking, the more hard inquiries you have on your credit file, the more your score will be negatively impacted. However, if you are shopping for a mortgage or an auto loan within a short amount of time, the additional inquiries resulting from credit file requests made by multiple lenders do not adversely affect your credit score.
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