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In these tough economic times, the last thing anyone would want to deal with is identity theft. It’s certainly not pleasant, and if you happen to be a victim, you’ll have to spend a lot of time fixing your credit and taking back what was stolen from you. That’s why identity theft protection services have become so popular in recent years. They take care of everything for you and provide you with innovative service to prevent you from becoming an ID theft victim. TrustedID is one of those top ID theft services that can keep your identity protected against future attacks.

TrustedID has just launched Identity Threat Score to provide you with even more information on your identity and its vulnerabilities. The Identity Threat Score will provide a gauge of an individual’s risk of identity theft by assessing millions of records on hundreds of public and private databases. The information is then analyzed to find out whether your information has been exposed.

Here is what TrustedID had to say about this new service:

The Identity Threat Score is a measure of your personal risk of identity theft. Your score can range from 0 – 500 and it provides an easy-to-understand way to gauge your risk and take the necessary steps to protect your identity. A lower score means that you are at a lower risk of identity theft, and conversely a higher score indicates that you are at a higher level of risk for identity theft.

TrustedID searches through millions of records on hundreds of public and private databases to locate information related to your identity. Our system uses advanced technology to analyze this information for patterns that could indicate you have been or are about to be a victim of identity theft.

Since your financial and personal information is constantly updated within these databases we will automatically re-calculate your score, so it is important to log into your account regularly to check for these updates. If you receive an alert that you have a medium or high score we recommend that you contact our Protection Specialists for steps to help improve your score. Once you have taken these actions you will be able to update your Identity Threat Score.

The Identity Threat Score is not a credit score, and neither score directly affects the other. While lenders do not look at a Threat Score during their credit evaluation, it is still important to check it periodically in order to keep yourself safe, since a stolen identity can lead to misuse of your personal information that can affect your credit score.

The service is provided to TrustedID customers free of charge. It’s designed to give you better protection against modern day threats against your identity. In these tough economic times, you can’t afford to leave yourself open to ID threats these days. All in all, if you are looking for an affordable service to keep your ID protected at all times, TrustedID is a decent service to try, and it just got that much better with the free ID Theft Score.

It was inevitable. With all the rules that the government is putting in place, it was only a matter of time before credit card companies increased fees and introduced new fees to keep their businesses viable. First it was the interest rates that went up. And we are not talking about interest rates being increased only for those with a bad credit history. Even those with a great credit history have had their APR raised by their issuers.

Interest fees seem to be the first step in the process. Many experts claim that the next step in the process is the introduction of annual fees for most credit cards. With more regulations going into effect next year, it’s only a matter of time before things get even more tough for credit card owners.

The latest moves by credit card companies have certainly had a negative effect on consumers. According to surveys, satisfaction rate and consumer confidence have dropped significantly in the past few months. Let’s not forget that credit card companies have increased all kinds of fees, so if you happen to miss a payment or are late for one, you are going to see a large increase in your fees. Read the rest of this entry »

Playing the credit card game is not as easy as some want you to believe. Think about how many people have gotten in trouble by choosing the wrong credit cards, signing up for too many credit cards, or taking on more than they can possibly chew. Credit card companies may be hurting these days, but that doesn’t mean they are willing to do you any favors. These companies are in business to make a profit, and these trying times have made many of them raise interest on their customers and add additional fees.

The Skinny on Credit Cards, How to Master the Credit Card Game is a wonderful book that teaches you how to play the credit card game and perfect it. So what do I mean by that? In order to get the best out of your credit cards and master the game, you need to first know how to choose the right credit card. There are lots of credit card offers out there but not all of them are worth applying for. This book teaches you how you should go about applying for a new credit card. And if you already have a credit card, you are going to learn tips and tricks that help you lower your rates and increase your credit score over time. Read the rest of this entry »

If you have been following the news lately, you probably know that signing up for a new credit card can be costly these days. Many credit card issuers are introducing annual feels and jacking up rates on their customers to keep their profits up. President Obama and the Congress have been working hard to bring a new set of regulations to prevent credit card companies from engaging in deceptive practices, but as many industry experts have predicted, credit card companies will find a way to bend the rules and make more profits off their customers.

Don’t get me wrong. There are many good credit cards out there. Some companies are more ethical than others, but the whole culture of using credit cards to use the money you don’t have needs to change if this country is to get out of this recession. Thankfully, there are prepaid cards that lets you carry your money around without having to worry about spending the money that you don’t have. Prepaid credit cards are not credit cards really, but if you are just using your credit cards to pay on the go, why not use a prepaid card?

There are many prepaid credit cards on the market, but you do want to make sure you read the terms and conditions and check the fees before signing up for one. Afte all, you don’t want to end up spending more money on fees than things you want to buy. With that in mind, here are 3 prepaid cards that let you spend your money on the go without ending up in debt:

AccountNow Prepaid Visa® Card: a cool debit card that lets you carry up to $10,000 in cash. It does come with an annual fee but since this card is made for serious shoppers, that’s to be expected. You don’t need a minimum balance and no credit check is needed.

All Access® Visa® Prepaid Card: a debit card that does not come with an annual fee. The card will cost you $9.95 up front though. You’ve got to appreciate the security features of it.

SilverCard Prepaid MasterCard®: a wonderful card that lets you handle all your purchases with peace of mind. There is no credit check, and you get unlimited transactions, free account alerts, and no overdraft fees.

Prepaid credit cards are not credit cards, but for anyone who’s interested in living a financially responsible life, these cards are great convenience tools. And they won’t cost you too much either.

Your turn: what prepaid card are you currently using?

The credit card industry will never be the same with all the changes in regulations that are coming. But don’t think for a second companies won’t find a way to increase their profits. The cost of extending credit to consumers and businesses has gone a whole lot and card issuers have to change their terms in order to make more profit per customer. That’s why you can expect a letter of change in terms and conditions from your card issuer. The last thing you want to do is ignore that letter.

Curtis Arnold, one of the premiere experts on this topic, put it best when he said:

They’re going to find loopholes in the legislation… There’s no way you can cover every single potential consumer topic.

One of the biggest changes that is expected is the introduction of annual fees. Your card may not have an annual fee these days, but you can expect your card issuer to try and impose one on you. Of course, your card issuer can’t do that unless you miss the mandatory notice by your credit card company. You should also keep an eye out for the annual fee. A lot of people just pay their credit cards without even noticing those small fees. That’s the worst way to manage your credit cards.

There are going to be new fees, higher rates, and less rewards. And you are going to hear all about it from your credit card. So the next time you get a letter from your credit card company, make sure you read it. You may save yourself a whole lot of headache in the long run.

If you have been paying attention to the latest developments in the credit card industry, you know card issuers are not feeling too good about all the new legislation and pressures that the government is putting on them. There is no question that some credit card issuers have abused the system in the past. Credit card companies are out there to make a profit, and the tougher the government gets, the more ways they find to get around the rules. The latest move by the Obama administration to put a tighter regulation in place in the credit card market has card companies up in the arms. These folks have been making money off of those high fees and bogus charges for years. A consumer protection agency simply doesn’t make sense for them.

Don’t think for a second that card companies are ready to give up the fight. In fact, they are raising their fees on consumers and businesses to offset their losses. No wonder people can’t save money these days. The good news is the government is dedicated to putting a tighter set of regulations to prevent card issuers from engaging in deceptive business practices. The bad news is the rates are going up and many are going to find it difficult to get their hands on credit. The best approach at this point is to take care of your existing credit cards, and avoid getting into unfair relationships with credit card companies. These companies are hurting but don’t let them use you to build up their profits.

Have you ever wondered how some folks make thousands of dollars everyday just by borrowing money from credit cards? The concept of credit arbitrage is nothing new. Even though credit card companies have gotten tougher with folks who borrow a lot of money, you can still earn money from borrowing and investing in high-yield bonds or other investments.

How To Take Advantage of the People Who Are Trying To Take Advantage of You is one of the few books that teaches you how to get started with credit arbitrage. The author assumes that you are not that familiar with how credit cards work and teaches you what you need to keep in mind before on a hunt for arbitrage with credit cards.

As you can guess, there is more to credit card arbitrage than getting a bunch of credit cards and maxing them. The smallest details can determine how successful you are going to be with your credit arbitrage project. You need to know exactly how your credit score works, and what options you have as far as investments are concerned. It always pay to diversify your investments to protect yourself against unwanted risk. And you will need to have some money around to pay your bills on time (don’t forget you need to track your bills to avoid being late).

How To Take Advantage of the People Who Are Trying To Take Advantage of You walks you through every step of the process and teaches you where to invest and how to get the best out of your credit cards. It even shows you how to effectively track your accounts and deal with problems on the way. Credit card arbitrage is tougher these days, but it is still possible. You just have to play your cards right. Credit card companies may not like it, but it’s fair game.

TrustID is identity theft protection service that offers you the protection you can use to protect yourself against those who are out there to take advantage of your credit background. Here is what you get with TrustID:

• Fraud Flags
• Public Database Scanning
• Credit Card Scanning
• Social Security Number Scanning
• Name & Address Scanning
• Bank Account Number Scanning
• Lost Wallet Protection
• Medical Benefits Protection
• $1,000,000 Warranty Protection
• Family Protection
• Elderly Coverage

TrustID is offering a limited time coupon that gives you 6 months of free service with a 12 month contract (read TrustID review here). If you are worried about your credit being compromised, you should give TrustID a try.

Have you ever wondered what it takes to have your mobile credit card terminal? Maybe you want to accept customer payments when you are on the move. You can’t just lose sales when you are traveling. Credit Card Terminal for iPhone is a top iPhone application that is designed to turn your iPhone into a credit card terminal. It’s designed for small business owners who want to accept credit cards while they are on the go.

Credit Card Terminal allows you to easily set up Authorize.net and access your account information on your phone. You can also easily enter credit card information, transaction amount, card security code, and … You can also store your customers’ contact information such as their emails, phone numbers, and address. Your transactions are done on 3G network, which allows you to get transactions done fast.

The application lets you know whether your transaction has been approved or declined fast. The app is secure enough as it uses SSL encryption to protect sensitive information you are transmitting on the network. And you always have access to history log just in case.

What I like about this app is the fact that it integrates QuickBooks, and lets me access Authorize.net without too much trouble. If you are a small business owner and want to keep collecting those funds even when you are away, you are going to like Credit Card Terminal. It’s very easy to use and very powerful.

Try Credit Card Terminal here.

The Internet era may have begun many years ago, but these days the Internet has become an integral part of most people’s lives. Whether it’s checking e-mail or managing Facebook or Twitter friends, you are going to have to spend time online. That means you are going to be open to hack attacks. Not only that, what you say on the Internet, stays on the Internet. Many have lost their jobs for disclosing improper information on Facebook or Twitter. And you can’t always tell who’s saying what about you. The last thing you want to see is your name get bashed on the Internet for a whole lot of folks to see. It’s important now more than ever to protect your identity and reputation online to avoid major headaches. Whether you are looking for a job or just want to protect your brand, you need to approach the issue of online reputation management proactively.

ReputationDefender is an innovative online reputation service that lets you keep track of your online reputation and take action before too much damage is done. MyReputation is a service that lets you keep track of your name and brand, and even keep track of your info on the black market. MyReputation provides you with monthly reports on your online reputation management as well as access to professionals who can help you improve your reputation and “destroy” those unflattering mentions on the Internet.

MyChild is another service provided by ReputationDefender that enables you to manage your children’s online reputation management as well. You never know what the kids do online today, so you want to make sure you keep track of everything that’s going proactively and improve your child’s online reputation. It will come handy when it’s college time.

MyEdge is an innovative search engine reputation management solution that enables you to display results that you want others to see. These people are experts in taking your information and putting it on the web in a way that helps you show your visitors what you are about. Even if there are bad stories out there, you can move them down the search engine results pages by using ReputationDefender to push your profile.

We are now well into the Internet era. Your online reputation is almost as important as your offline reputation. Whether you want to get into the college of your dreams or just find a job, you want to make sure your OR portrays a decent picture of what you are about. In these tough times, the last thing you want is someone sabotaging your online reputation. Thanks to ReputationDefender, you won’t have to worry about that.