Identity Theft

Written by Bob Osgoodby

Continued from page 1

If you open a credit account, ask that a password be used before any inquiries or changes can be made onrepparttar account. Avoid using easily available information like your mother's maiden name, your birth date,repparttar 127585 last four digits of your SSN or your phone number -repparttar 127586 same holds true for pin numbers.

While there is not a whole lot you can do to prevent this, there are things you can do, to protect your credit if it does happen.

Contactrepparttar 127587 fraud departments of each ofrepparttar 127588 three major credit bureaus. (Equifax - - Experian - and Trans Union - All of them offer advice on what to do if there has been fraud committed. Tell them to flag your file with a fraud alert, including a statement that creditors should get your permission before opening any new accounts in your name.

If you discover that an identity thief has changedrepparttar 127589 billing address on an existing credit card account, immediately closerepparttar 127590 account, and requestrepparttar 127591 credit bureaus for copies of your credit reports. Credit bureaus must give you a free copy of your report if it is inaccurate because of fraud.

Regardless of howrepparttar 127592 thieves got, or usedrepparttar 127593 information, report it torepparttar 127594 police department. That way, if there is a question downrepparttar 127595 line, there will be an official report available.

Identity theft is a serious problem. If you feel that this has happened, immediately takerepparttar 127596 steps outlined above. When someone appropriates your personal information without your knowledge, it's a crime, pure and simple.

While it may cause you problems when trying to straighten outrepparttar 127597 mess, hopefully it will causerepparttar 127598 perpetrators even bigger problems. Those two Memphis men face millions of dollars in fines and several decades worth of prison time.

Bob publishes the free weekly "Your Business" Newsletter Visit his Web Site at - - to subscribe.

Just Over Broke

Written by Bob Osgoodby

Continued from page 1

Withrepparttar exception of a na´ve minority, people are "savvy" enough to avoidrepparttar 127584 majority of these scams. So, if you want to get into business onrepparttar 127585 Net, use some common sense and do some "due diligence" investigation before jumping in with both feet .

Do some people make money onrepparttar 127586 Net? Sure - but guess what? They work for it. Some may tell you that JOB is a dirty word and stands for "Just Over Broke". Working for yourself is hard work if you want to succeed. You must run your "Home Business" withrepparttar 127587 same discipline you would use in any other.

You must advertise, advertise, advertise - if people don't know you're there, how do you expect them to find you to do business? Be prepared to work 60 to 70 hours a week or more if it is a full time venture.

But how about those who needrepparttar 127588 financial security of their job, while trying to develop their online business - can they hope to succeed? Yes! But they have to put in their effort inrepparttar 127589 evenings and on weekends. They have to approach it withrepparttar 127590 same attitude as someone doing it full time.

There are a lot of good opportunities "just ripe forrepparttar 127591 picking" out there. If you avoidrepparttar 127592 obvious scams, and do some "due diligence" investigation, you will find one. Ifrepparttar 127593 first few don't work for you, don't lose heart. Be sure you give it enough time and effort before giving up. If you are sure it won't, "cut your losses" and move on to something else. It may take some time to find a "fit", but when you do, it will be worth your time and effort.

Bob publishes the free weekly "Your Business" Newsletter Visit his Web Site at to subscribe.

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