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Your Good
Credit - Part 3
YOUR GOOD CREDIT continues this month with the third in a four part
series on polishing your credit and keeping it in good shape.
Good credit can be your best friend - bad credit your worst enemy.
It's vitally important to protect this asset and reduce your
vulnerability. We are all aware of identity theft but there's no need
to panic. If you are a victim, you will be required to prove your
innocence. But, as with everything in life, prevention is best.
Guard your social security number as a hidden treasure. It is the key
that opens the door into your life and allows a clever thief to steal
your identity. Never carry your Social Security card in your purse or
wallet and only give out the number when absolutely necessary. Never,
ever put your social security number on items such as a check.
Memorize the number, instead. It's a good idea not to carry any
important information such as a birth certificate or passport unless
you are using them.
Keep a watchful eye on credit cards. If you are due a new card, mark
your calendar. If the card or billing statement does not arrive on
time, notify the company immediately. Cancel cards you are not using
and put passwords on everything. Using your Mother's maiden name is
not a good idea. It's too easy for the would-be thief to gain that
information.
Cross-shredders are not expensive and prevent 'dumpster divers' from
gaining access to your personal information. Some even shred old
credit cards. Use them for anything that would compromise your
privacy.
If you use on-line banking or purchase on-line items with a credit
card, you can tighten your security options by using a password that
has random numbers and letters.
So, what do you do if you lose your good credit name? How do you
recover? That's the subject of the fourth installment. Stay tuned.
Copyright 2006 PropertySource Network |
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Jeannie Hamilton
ABR, CRS, e-PRO, GREEN, GRI, SRES
Broker/Owner
Hamilton Properties
1100 Deer Trail Road
Boulder, CO 80302-9437
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Office: |
303-443-9221 |
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Cell: |
303-817-9988 |
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Fax: |
888-449-3611 |
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Toll Free: |
800-443-9212 |
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Email: |
jeannie@jeannierealtor.com |
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Email
webmaster@jeannierealtor.com with
questions or comments about this website.
Copyright © 2012 Jeannie Hamilton, Inc
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Last Updated:
January 24, 2012
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