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What Is the Difference Between Interest Rate and APR?

What is the difference between interest rate and APR? The two terms are quite distinct. Interest rate is the amount of a loan that is charged as interest. If you borrow $100 at 7% interest and will pay it back after one year, you will pay back $107 (unless there are other charges in the terms and conditions). Interest itself[Read More…]

How to Change Social Security Number

How to change social security number: The Social Security Administration will allow you to change your Social Security number, but not to evade the consequences of bankruptcy, evade other legal responsibilities or because you lost or had stolen your Social Security card, but there is no indication that it has been misused. Generally, the authorities will allow you to change[Read More…]

Annual Percent Rate Definition

Annual Percentage Rate Definition or APR is a convenient way to look at the actual yearly cost of a credit card, auto loan or home loan. It is the annual rate that is charged to you, the borrower, for money lent. It is not just interest costs, but most costs, including all fees. It is often challenging to compare one[Read More…]

How to Get a Replacement Social Security Card

How to get a replacement Social Security card? You need to call the Social Security administration at 1-800-772-1213 (TTY 1-800-325-0778) or go online to the Social Security website and download an application to get a replacement card if yours has been lost or stolen. The good news is that you can get a replacementcard, but the bad news is that[Read More…]

How to Build Good Credit

(1) The reason that you should know how to build good credit is that good credit furnishes you with choices of where to live, what to buy, and when and how you want to go on vacation–just to name a few; (2) When you know how to build good credit you will learn that it may not help you get[Read More…]

Identity Theft Definition

Identity theft definition–It is stealing someone’s personal information, typically for financial gain. It can be credit cards, driver’s license, Social Security number, bank account numbers, you name it. In today’s world, there is no 100 percent protection and identity theft can severely impact your credit before you know it. How? If someone were to get your Social Security number, which[Read More…]

Q: How long bankruptcy?

Q: How long bankruptcy? A: How long bankruptcy? It’s really a two-part question, requiring a two-part answer. The bankruptcy proceeding itself, according to the Bankruptcy Court website can take a few months to a few years. The U.S. Department of Justice says on its bankruptcy information pages that the two Chapters of the Bankruptcy Code most often used by consumers[Read More…]

Q&A: How Long Does Negative Information Stay on Credit Report?

Q: How long does negative information stay on your credit report? A: How long does negative information stay on your credit report? The news is not good! A credit reporting company can keep accurate negative information on your report for up to seven years. Information about a lawsuit or an unpaid judgement against you can be reported for seven years[Read More…]

Here are warnings about the debt settlement process: Debt settlement companies get paid for their services, even if they declare that they are “non-profit.” Typically, they want to get paid on the front end of the process, whether or not they have done anything for you. Debt settlement companies have different ways of getting paid. Let’s say you are $15,000[Read More…]

How To Change Social Security Number and Should You?

How to change social security number: The Social Security Administration will allow you to change your Social Security number, but not to evade the consequences of bankruptcy, evade other legal responsibilities or because you lost or had stolen your Social Security card, but there is no indication that it has been misused. Generally, the authorities will allow you to change[Read More…]

Phishing Means You Need to Frequently Check Your Credit Reports and Accounts

Do report your personal information stolen to the three major credit reporting agencies. If you think that your personal information has been compromised, you need to report this to the three big credit reporting agencies including Equifax (800.525.6285); Experian (888.397.3742)) and Trans Union (800.680.7289). Don’t be fooled if you get an email, supposedly from your bank, saying that your monthly[Read More…]

Alarmist Messages, Deals Too Good To Be True Help Define Phishing Scams

Do remember these five tips-offs about possible phishing scams: 1.alarmist messages; 2.requests for donations after a disaster has been in the news; 3.bad grammar, poor spelling; 4.deals that sound too good to be true, and 5.promises of big money with little effort. Don’t let your emotions get the best of you. Don’t respond to requests for political donations from your[Read More…]

What Is Phishing Email?

Do watch out for breach of security emails. That is, your bank account has been breached and you need to take immediate action over the internet to fix it. Don’t do it. Call the bank. Scammers love to scare you and panic you into taking foolish steps. Do watch out for emails from software companies claiming to be security software[Read More…]

Sample Post 16

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