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Understanding Credit Fraud

In its simplest form, credit fraud involves someone else's use of your credit to make purchases or cash advances. Though often damaging, such cases are normally stopped when you report your card as missing.

No card necessary

Other types of credit fraud involve your account information but not your physical card. Such cases may be more damaging, since you may not realize anything is wrong until you notice unfamiliar charges on your monthly statement. Knowledge of your account number, expiration date, Social Security number and billing address may be much more valuable to a thief than the card itself. In the most advanced form of credit fraud -- identity theft -- someone can use your personal information to take over your credit accounts and open new ones.

Your Credit Report
A Free Copy of Credit Report  will help protect you and your family. If you haven't recently seen a copy of your credit report, it is recommended you obtain a copy of your credit report yearly. In just a few clicks of the mouse you can view your Free Copy of Credit Report online and protect your credit with our credit report service. There is no obligation and no risk for you.

Improve Your Credit
How many and what types of credit accounts do you have? Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. For example, under some scoring models, loans from finance companies may negatively affect your credit score.