Debt Consolidation – How to Protect Your Credit Accounts from TheftWritten by Charles Essmeier
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can be fined by credit card companies for violations. So what can average credit card customer do to make sure that their account information isn’t compromised? Not much, it would appear. The paper transaction has long since been replaced almost universally by electronic one, and anytime a customer uses a credit card, their account information is moved from one computer to another. Hackers continue to develop more sophisticated methods of stealing information, and their techniques are often ahead of processing companies’ ability to develop comparable security measures. For foreseeable future, credit card customers must consider that their accounts are vulnerable.
In time, credit card companies and their associated processors will establish security guidelines that are more effective than ones that are currently in place. In meantime, best thing cardholders can do is to simply minimize their exposure. The best way to do this is to have as few credit card accounts as possible and to use them sparingly. Granted, it is often difficult to avoid using credit cards, but there are times when people simply pull them out of wallet out of habit when using a check or cash would suffice. This may sound inconvenient, but at moment, only way to make certain that your account numbers are safe is to avoid using them when possible.
©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation and credit counseling, and HomeEquityHelp.com, a site devoted to information regarding home equity loans.
| | Why Choose a Homeowner Loan?Written by John Mussi
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The amount borrowed usually varies from £5,000 upwards and is dependent on equity you have in your property and lenders view of your ability to repay loan. The amount borrowed is usually repaid over a period of between 5 - 25 years. Lenders charge interest rates on amount borrowed. These are sometimes fixed but for homeowner loans are usually variable. If rate is variable rates change with market forces and could change amount you repay. There is some risk attached to a homeowner loan. If you do stop making your repayments then your lender has every legal right to take money back out of your home. At end of day most of us find that cheaper rates we are offered for homeowner loans outweigh slight disadvantages. Homeowner loans are secured against your home which will be at risk if you can not meet your repayments. To avoid any problems with your homeowner loan repayments you can take out homeowner loan protection products which will cover your repayments should you fall ill or lose your job. A Payment Protection Plan is a small additional insurance payment that you make each month. This extra payment will be included with your loan repayment. This small sum will ensure that if you lost your job, became ill, or unexpectedly pass away your loan repayments will be paid for you. Finally, you will find that whole application process will take longer. The provider will need to value your home, which can take a long time. But in end, it should be worth wait, as you can get a much cheaper rate. You may freely reprint this article provided author's biography remains intact:
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans.co.uk website.
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