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There are all kinds of survival kits offered today. If you live in Florida, you probably have a hurricane survival kit in your home. If you live in the northern states, you should have a winter storm survival kit in your car in case you get stuck. Due to the rising number of people in over their heads in debt, we decided it was time to assemble the supplies you'll need to survive an "attack" on your credit. Here's what we will put in our Credit Repair Survival Kit:
  • A rubber band-to wrap around your wrist to help you remember to pay your bills on time.
  • A piece of string-to help you tie up the loose ends of your finances.
  • A pen-to sign all the correspondence and dispute letters you'll be sending to your creditors.
  • Patience-because it will take time for your efforts to be reflected in an improved credit score.
  • A sense of humor-because you'll need it.
  • A rope-in case you get to the end of yours. (Just kidding!) No, there's no reason to learn the knot for making a noose. Everyone's credit can be repaired, and in many cases, you can do it yourself, for free.
    • The articles listed on this webpage are what you really need in your Credit Repair Survival Kit. For more details, read our Credit Repair Survival Kit listed on the right side of this page. Don't give up!

    Easy ID Theft Prevention

    Chances are you or someone you know have experienced some form of identity theft. The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn't make-or worse yet, until you're contacted by a debt collector. This article will give you some easy steps you can take right now to help prevent your financial identity from being stolen.
  • Step #1: Carefully review all your monthly bills. The thief might start small, charging a low value item to your credit card just to see if it will get through. If you identify the invalid charge immediately, and notify your financial institution, further illegal charges will be blocked. But give the thief a month or two, and the charges may run into the thousands, and will be much more difficult to get erased.
  • Step #2: Shred your personal identifying information. Every time the mail arrives, it probably brings some bill or offer of credit that contains personal information about you. Many people simply toss it in the trash or the recycle box. Some ID theft criminals have made a lucrative career out of "dumpster diving." They rummage through the trash or recycle containers and pull out the mail with your personal identifying information. Then they piece together enough data to hijack your identity. Be sure to keep an eye out for printed "checks" that seem to arrive with every credit card bill. They deserve a good "shredding;" not only do ID thieves love to get their hands on them, but the high interest rate the credit card companies charge when you use the checks is bad news.
  • Step #3: Request your credit report. You are entitled to a free copy of your credit report once a year. Take advantage of this opportunity. Not only might you spot a fraudulent account set up in your name by an ID thief, but there may be other inaccurate information in your credit report that you should get deleted. Go to annualcreditreport.com to request a copy of your report from each of the three major credit bureaus. If you space out your requests every few months, you can cover the entire year at no charge.
  • Step #4: Secure your personal identifying information. This step is so simple, it's surprising that some people still don't take it. Do not carry items like your social security card in your wallet. Imagine how happy a thief would be to find not only your credit cards, drivers license, and ATM card in your wallet, but also a list of your PIN numbers and your social security number. Hello, Honolulu! This thief is going on vacation!


    • Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many weeks repairing damage to their good name and credit record. Follow the easy steps listed in this article now, and reduce the chances that you will join the thousands of victims of ID theft.
    Note: This article was reprinted with either private license rights or permission from the author.
    Phillip Schein has been an author, consultant, and certified instructor in the IT industry for over 15 years. Previous to that, he spent many years working in areas of finance and accounting. He now specializes in website development and search engine optimized web content for small office/home office (SOHO) enterprises. He has taught corporate, retail, and college-level courses in creative writing, accounting, web design, and Internet business development. Please read our About Us page for more detailed information.

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