Credit card hints and tips - Help protect your credit identity.

Article July 2006 © Copyright Lots of Luck Advertising

Your credit identity, is part of your overall identity as a person. Ensure that you take steps to protect your credit identity, so that your efforts will make it difficult for anyone else to use your credit identity to impersonate you in order to take away your financial assets. It does happen, and far too often, that unauthorized use of a person's credit identity is used to steal their financial assets.

• If you discard your personal papers, ensure that you shred them, instead of just throwing them away in the garbage or recycle. There are people who go through garbage and recyle, looking for papers with financial and personal information on them, which can be used in identity theft.
• It is not recommended to keep personal papers and anything with your credit identity, in storage lockers. These storage lockers, especially in apartment and condominium buildings, are more suceptible to break-in, due to their isolated locations, and general intent in construction, to store only inexpensive items and not personal identity items.

If someone is successful in making unauthorized use of your credit identity, they can financially steal some or all of your assets, borrow money in you name, and make purchases in your name. They could even ruin your credit rating, your credit history, and your financial future. Do your best to protect yourself from having this happen to you.

Your credit identity, can be considered to be made up of many things. Some of these (in no particular order) include:

credit history credit rating your job your source of income your investments loans

mortgages credit cards bank cards debit cards checking accounts savings accounts

pension accounts bank accounts stock brokerage accounts leases home ownership

automobile ownership property ownership tax accounts statements receipts personal information and so on...

There are some good sources of information to find ways to help protect your personal and credit identity:

Check with your financial institution, as each financial institution may offer a variety or unique services and assistance. Check with your credit bureau, as they can really help regarding your credit rating, your credit score, and your credit history. Check with your government agencies.

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