CONSUMER INFORMATION:
AVOIDING CREDIT CARD HAZARDSThe Credit Card Companies are flooding us with card solicitations, deceiving us with misleading offer terms, and gouging us with higher than ever fees. As a result, consumers are sinking further and further into debt. What should you be on the lookout for? How can you avoid being ripped off?
Help is Here!
For tips and assistance in this matter point your browser to www.truthaboutcredit.org. This site provides information on credit card traps and terms you should know when dealing with credit agencies. Ohio PRIG brings it to you. To contact them call at (216) 791-1116.
STOLEN CREDIT CARDS?
Cancel your credit cards immediately. Have toll free numbers and your
card numbers handy so you know whom to call. If your cards were stolen,
file a police report immediately in the jurisdiction where it was stolen,
this proves to credit providers you were diligent. Most importantly call
the three national credit reporting organizations immediately to place
a fraud alert on your name and SS#. This alert means any company that
checks your credit knows your information was stolen and they have to
contact you by phone to authorize new credit.
Take These Precautions
* Place the contents of your wallet on a photocopy machine. Copy both
sides of each license, credit card, etc.., so you will know what you had
in your wallet and all of the account numbers and phone numbers to call
to cancel. Keep the photocopy in a safe place.
* Call These Numbers:
o Equifax: 800.535.6285
o Experian (formerly TRW): 888.397.3742
o Trans Union: 800.680.7289
o Social Security Administration (fraud line): 800.269.0271