Debt Consolidation – How to Protect Your Credit Accounts from Theft

Written by Charles Essmeier


Continued from page 1
can be fined byrepparttar credit card companies for violations. So what canrepparttar 144168 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 byrepparttar 144169 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 ofrepparttar 144170 processing companies’ ability to develop comparable security measures. Forrepparttar 144171 foreseeable future, credit card customers must consider that their accounts are vulnerable.

In time,repparttar 144172 credit card companies and their associated processors will establish security guidelines that are more effective thanrepparttar 144173 ones that are currently in place. Inrepparttar 144174 meantime,repparttar 144175 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 ofrepparttar 144176 wallet out of habit when using a check or cash would suffice. This may sound inconvenient, but atrepparttar 144177 moment,repparttar 144178 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


Continued from page 1

The amount borrowed usually varies from £5,000 upwards and is dependent onrepparttar equity you have in your property andrepparttar 144140 lenders view of your ability to repayrepparttar 144141 loan. The amount borrowed is usually repaid over a period of between 5 - 25 years.

Lenders charge interest rates onrepparttar 144142 amount borrowed. These are sometimes fixed but for homeowner loans are usually variable. Ifrepparttar 144143 rate is variablerepparttar 144144 rates change with market forces and could changerepparttar 144145 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 takerepparttar 144146 money back out of your home. Atrepparttar 144147 end ofrepparttar 144148 day most of us find thatrepparttar 144149 cheaper rates we are offered for homeowner loans outweighrepparttar 144150 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 thatrepparttar 144151 whole application process will take longer. The provider will need to value your home, which can take a long time. But inrepparttar 144152 end, it should be worthrepparttar 144153 wait, as you can get a much cheaper rate.

You may freely reprint this article providedrepparttar 144154 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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