Tis’ the Season for Stress and Fraud
For many people, this is the season of love and giving. It is a joyful time with family and friends. It is a renewal and connection with our chosen beliefs and religions. It is the time of year of traditions and rituals. It is also the season of sales!
While most of us prefer to live in the snow globe of sugar plum fairies, ice-skating parties and making snow angels on a perfectly sunny day, it isn’t always so blissful.
Unfortunately, entrepreneurialism is thriving not only for those who do good things but also for those that live on the dark side and for a lack of a better term…play Mr. Grinch!
This season particularly is easy pickins’ for these dastardly thieves.
With the increased usage of credit cards, the increase in credit requests, the online shopping that takes place and the added stress of doing so much more during this time of year, it is no wonder that we easily become prey for those willing to take!
I have 3 steps you can take right now to help protect yourself. While it is virtually impossible to prevent fraud from happening but there are definitely steps that you can take to help reduce the chances of it being you.
Since this blog is all about credit…I am going to stay on topic. This could easily be an article with 100 things to do; however, that isn’t my goal here today. Today, we are going to tackle 3 easy to do steps in order to ensure that you take them and that you have a happier holiday season.
- Ensure that any credit requests are done over a secured internet line. This means that you are NOT using your smartphone, the local free Wi-Fi, or any unsecured line. If applying at a store and you are asked to complete a written application, once they input the information into their system ask to have the written application returned to you. There is no way to ensure that they are properly storing your information so it is better to be safe than sorry.
- Use RFID (Radio-Frequency Identification) blocking sleeves or wallets to protect against having your credit cards read and duplicated. These are very inexpensive items that can keep your cards protected even while they are on your persons. When in use, be aware of your surroundings and those around you. If using an ATM or credit card machine, pull on the device to make sure it is NOT a skimming device.
- Give to charities and not-for-profit organizations that you know and do it in person. During this time of year, many scammers are calling and preying on your heartfelt desire to give to others. They may use familiar organizations that you connect with and request your credit card or checking account information. Never ever give your information over the phone (or in person), if you wish to give, give in a form that is acceptable to you (cash or check) and only directly to that organization. Once a thief has your personal information, they will waste no time in cleaning out your accounts and selling your information to others.
As you can see, it would be very easy to make a list of 100 as this barely scratches the surface.
I encourage you to take a moment and write a comment below to share a personal experience that happened to you or another tip for our readers.
If you are feeling overwhelmed during this time of year and feel like it’s just not worth your time…think again because fraud, identity theft and having your accounts cleaned out is extremely overwhelming!
Here is a past blog on Identity Theft to give you more action steps.
If this is common sense items and that you have a great handle on your credit and your credit knowledge, I encourage you to share it with others and start your own credit business for some extra income now and ongoing. You can learn more by watching the videos at www.KimTheCreditGal.com and having a free coaching session with me to see if this is a good fit for you.
Your Partner in Credit Restoration,
As always, if you have errors on your credit reports or items that do not belong to you and you are not having success getting them removed, please take action and contact me.
For questions or additional resources, please email: Info@CreditGal.CO