Credit Repair
- Beware of
imposters. Someone may send an email and claim to be connected
with your credit card issuer and ask to “verify” your
account number to make sure you’re protected. Do not give
any information through the internet. Your credit card has a toll free
phone number on the back where you can call them directly.
- Beware if
your card is lost or stolen. Keep a file with your credit card
issuer’s name and telephone number and your account number.
Have this separate from your purse or wallet in case it’s
stolen, too.
- Beware of
credit card fraud. Don’t leave your card lying around
your home or office where others can see it, and don’t lend
it to anyone. If you want someone else to be authorized to use
your account, make those arrangements through your card issuer.
Only give your credit card number when you are actually making a
purchase.
- Beware of
false charges on your credit card bill. Follow the instructions on your
bill for questioning or disputing charges. Don’t send a note
with your payment, since a separate department usually handles
disputes. Make copies of any forms or letters that you send your
credit card issuer about the dispute, and be sure to pay the rest
of your bill on time.
- Know your
rights. Under federal law, you’re not responsible for
any charges if you report your card missing before someone else
has used it, and you are not liable for more than $50 if it has
been used, as long as you report the problem promptly.
Information on this website is provided by Chris Triolo, additional
information on internet Frauds and Scams can be found at www.FBI.gov or www.nclnet.org
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