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Credit Scoring

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You've probably heard the term credit score. You can get an idea of your credit score can have an effect on his life. For example, you can understand that when you apply for a mortgage loan, the mortgage company your credit score. But did you know that the interest rate you can on your mortgage? And credit cards? depend largely on your credit score? Did you know that more and more employers check your credit score when you apply for a job, and that insurance companies can increase premiums or even cancel your insurance based on your credit score? So what is a credit score and how is it calculated? Your credit score (in some cases, you called your credit score) is a rating of your creditworthiness, or the ease that you have to repay a loan and how you can pay in a timely manner. And you can have a dramatic effect on your life. There three companies that collect information about how to manage credit. They are Equifax, Experian and TransUnion. Each one of them to determine your credit score based on a formula developed by Fair Isaac Corporation, but everyone calls her something different credit score. Trans Union calls its credit score "Empiraca." Experian calls their score "FICO" and Equifax will tell you your credit score is "Beacon." Credit scores range from 400 to 900 with the average score somewhere around 700. This is a case where more is not better that the higher the score the greater the risk you are believed.

Postal Inspectors

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Most Identity Theft Identity theft is one of the most serious problems for the U.S. Postal Service, and of course for the general public. Thieves check mailboxes looking for paid bills or credit card payments that people leave in their mailbox for the postman to collect. They use the information in these documents to obtain credit or to purchase products and services on behalf of the victim. One story involves the operator of a lottery system in Rock Hill, South Carolina. Postal Inspectors found that respondents were called to the ship and said they were the winners, but the mail "taxes" or "Customs fees" to collect their money.

Victims either received nothing at all items or far below what was represented, losing $ 15,000 to $ 102,000 each in the system. The scammer was agreed in March 2003 to cease and desist from your e-mail service and pay $ 200,000. Most identity theft somehow involves the U.S. mail – Crosses the "in person" theft described above because, beyond strangers robbing your mailbox, friends, relatives or coworkers that are stealing your personal information and credit cards are frequently lifting a piece of U.S. mail. U.S. Postal Inspection Service has become one of the world's leading agencies in the investigation of these crimes.

Postal Inspectors have jurisdiction to investigate and enforce over 200 federal laws related to the U.S. mail. They are allowed to detain anyone suspected of stealing mail or submit a false change order management. However, do not depend on their actions for peace of mind.