Avoid Hard Inquiries That Aren’t Yours –Top 10 Anti-Fraud Tips (Part 1)

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Avoid Hard Inquiries That Arent Yours Top 10
Anti-Fraud Tips (Part 1)
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• Its your worst financial nightmare you apply
  for a credit card or a loan, and you get turned
  down for a bad credit score even though you have
  done everything right, made your payments on
  time, limited hard inquiries, and kept your
  credit card balances low. Unfortunately, fraud
  isnt as uncommon as you think, and even if the
  person who has assumed your identity isnt
  actually granted credit, they can still destroy
  your credit score with hard inquiries simply by
  applying for it.
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• If you arent sure how to protect your identity,
  here are 10 tips to keep your credit score safe.

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There is such thing as TMI

• TMI stands for "too much information". Just
  because there is a white box that asks for your
  SIN or credit card information online, that
  doesn't necessarily mean you need to enter it. If
  you have the option not to share information,
  don't. This is the best way to avoid stolen
  information and unwanted hard inquiries.

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Use smart security questions

• If you're secret question is "what is my first
  job" and you have listed your current career as
  your first and only, you have just provided a
  would-be thief with enough information to access
  your personal data.

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Lock down your email accounts

• A thief with email access can password reset
  every password you have, and access every website
  you deal with in minutes potentially leading to
  stolen information and unwanted hard inquiries.

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Delete old or unused profiles

• Leaving your data on websites that you don't use
  or monitor regularly can lead to theft. If you
  don't need it, don't keep it. This is the best
  way to avoid unwanted hard inquiries, trade, or
  identity theft.

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Stop using the same password

• Most people use the same password site-to-site,
  but there's a good reason why you shouldn't it's
  too easy. Most identity theft can be avoided by
  making sure it takes too much work to hack your
  profiles.
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• Remember No access, no unwanted transactions,
  hard inquiries or future financial problems. But,
  if you do have unwanted hard inquiries damaging
  your credit score, Inquiry Busters can help you.

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