Thursday, May 25, 2017
 

How can credit card fraud affect your credit score?

Have you or is someone you know ever been a victim of credit card fraud? What were some of the consequences you had to deal with after the unfortunate incident? Wish you knew more about this type of crime?

Credit card fraud is one of the most common and simplest forms of identity theft. In essence, this happens when someone spends using your credit card information. Most commonly, fraudsters will use your information to pay for their restaurant or hotel bills, get groceries or make online purchases.

Interestingly, this type of fraud can also happen when your pre-approved credit card offers fall into the wrong hands–fraudsters need only to get these out of your mailbox or trash and mail them in with a change of address request and start spending. A person who has access to your personal identifying information, including your social security number, birthdate and work tax ID can even apply for a credit card using your name if they want to.

More often than not, victims of this type of scheme don’t realize someone’s been misusing their information until credit card companies start demanding for payments, during which your credit score affected.

How it affects your credit score

Needless to say, your credit score is a very important piece of information. It is a key to appearing like a financially responsible individual in the eyes of lenders and other companies. Like any other forms of ID theft, credit card fraud can negatively affect credit score.

Here are some ways credit card fraudsters’ actions can cause negative effects on your credit score:

1. Credit checks. Every time someone applies for a credit card in your name, credit card companies are likely to look at your credit report. It is important to understand that credit checks made by companies appear on your credit report and causes your credit score to go down by a couple of points.

2. Unpaid credit cards. It is not uncommon knowledge that a lot of identity thieves–as oppose to stealing your card–would opt to apply for a credit card using your information. Ask yourself this: what are the chances that the fraudster, after getting the new card, would make any effort to pay the amount he used? Of course, the consequences for his actions fall on your shoulders. Each time a month of non-payment passes, your credit score goes plunges.

The danger of shopping online

Online shopping fraud is one of the most common forms of credit card fraud as making purchases over the internet don’t usually require PIN numbers. For years now, authorities and financial institutions have been trying to find ways to prevent credit card fraud when shopping online, but to little avail.

For most banks and credit card companies, the online version of credit card fraud is no different from its counterpart in the physical world. This is why many card issuers nowadays are choosing to put security measures in place to protect both their clients and themselves, including credit card alerts and the “Verified by Visa” service.

Conclusion

Fraudsters are getting more and more creative in terms of finding new tactics to get their hands on the information they need to do their dirty work. Now more than ever, protection is essential. What you will get from credit protection is the peace of mind that someone out there is looking out for your back.

Amy is an active blogger who is fond of sharing interesting finance related articles to encourage people to manage and protect their finances. She also covers topics on why should we monitor credit regularly and how credit monitoring helps.
 

Three men playing cards in an alcove

Check out these credit cards images:

Three men playing cards in an alcove
credit cards
Image by Powerhouse Museum Collection
Format: Glass plate negative.

Rights Info: No known restrictions on publication.

Repository: Phillips Glass Plate Negative Collection, Powerhouse Museum www.powerhousemuseum.com/collection/database/collection=Phillips_Glass_Plate_Negative

Part Of: Powerhouse Museum Collection

General information about the Powerhouse Museum Collection is available at www.powerhousemuseum.com/collection/database

Persistent URL: http://www.powerhousemuseum.com/collection/database/?irn=386881

Acquisition credit line: Gift of the Estate of Raymond W Phillips, 2008

Image from page 238 of “Bell telephone magazine” (1922)
credit cards
Image by Internet Archive Book Images
Identifier: belltelephone7273mag00amerrich
Title: Bell telephone magazine
Year: 1922 (1920s)
Authors: American Telephone and Telegraph Company American Telephone and Telegraph Company. Information Dept
Subjects: Telephone
Publisher: [New York, American Telephone and Telegraph Co., etc.]
Contributing Library: Prelinger Library
Digitizing Sponsor: Internet Archive

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, 1971, areequipped for IDDD; and many olderESS offices have been fitted forglobal phoning. As of mid-Septem-ber, 1972, more than 180 of thealmost 290 existing ESS officeswere capable of offering IDDD. By1974, most of the remainder will beso equipped and, of course, all fu-ture offices will have this capability. TSPS promises wider use Another technological innovationbrightening the prospects of U.S.customers making internationalcalls is a scheduled change in theprogram of the traffic service posi-tion system (TSPS). In the fourth quarter of 1974 anew TSPS program will permitTSPS operators to process overseasassistance calls. Also, it will permitcustomers served by step-by-stepoffices to have IDDD service with noadded investment in equipment. Itwill reduce the cost of modifyingNo. 5 crossbar switching offices forIDDD, and, at the same time, it willpermit customer dialing of person,credit card, collect and pay-stationcalls. As a result of these changes,the year 1975 should see IDDD ca-

Text Appearing After Image:
pability expanded to about 25 percent of the Systems customers, andmost of these customers will be ableto dial both station and person calls. Meanwhile, for the people at A.L. Burbank and Company, one ofthe three major shipbuilder-broker-age firms in the world, IDDD hasmeant a savings of time in makingtheir 200 overseas calls a month. For Peter Burbank, it has meantthat and more. Oh, I appreciate the speed andefficiency of it all—I really do. Butwhat I miss most about the wholeoperation is that when I get home,I cant dial overseas myself any-more. Because of the worlds timedifferences, sometimes its moreconvenient for me to call from myhouse. Its then that I realize howmuch I miss IDDD, and how fast Igrew used to it. I really wish we hadthis service at our home. Someday soon that wish willprobably come true. Richard Burke, who wrote this article,is an information supervisor at LongLines Headquarters in Neiv York. Global IDDD challenge: Of 300 million world phones just one should ans

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16645 – Morehouse’s Comet, Photographed at Yerkes Observatory
credit cards
Image by Museum of Photographic Arts Collections

Artist: Keystone View Company
Artist Bio: American publishing company, active 1892 – 1963
Creation Date: 1908
Process: stereo card
Credit Line: Anonymous gift
Accession Number: 2010.011.003

 

Nice Annual Credit Score photos

A few nice annual credit score images I found:

Image from page 1148 of “QST” (1915)
annual credit score
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Identifier: qstamer00amer
Title: QST
Year: 1915 (1910s)
Authors: American Radio Relay League
Subjects: Radio Radio
Publisher: [Newington, Conn., etc., American Radio Relay League]
Contributing Library: Internet Archive
Digitizing Sponsor: Internet Archive

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-, TARS AuxiUary, devoted the week end tokeepitig their OMs well-nourished. From noonSaturda- to finish time Sunda>-, the girls workedin shifts and served quantities of tasty home-stylo fare. Auxiliary President Dorothy McGuyer,XYL of W9DGA, remarked: Besides being gladto help, this event is enjoyed by all. We do makea little profit and use it for entertaining our OMs.Other YL FDers weve heard about wereWlBCU, K4BNG, W5s KQG, WXT, W9sGAHC, JUJ, SYX, and WlQON. And credit issurel- due that scores of loyal XYLs w^ho packedl)ox lunches for their OMs or w^ho actually en-

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October 1955 51 camped with their spouses and braved the rigorsof cooking in the field alfresco. Reports of theusual W6 activity are missing this year, for anunderstandable reason. The YLRLs first Inter-national Convention was held in Santa MonicaJune 2-lth-27th. Plans for the affair had gone toofar before the convention committee realized thatit coincided with FD. If you were in there pitch-ing and dont see your call in this account, sendus the details. Wed like them for future reference. Starting right now were going to stump formore YLs working Field Day. From the stand-point of experience and sheer enjoyment, we justcant afford not to take part in Hamdoms mostinteresting annual activity. See December QST for the complete tabulationof results and CU next FD for sure! New YLRL Net Schedule Here is the schedule of nets registered with the YLRL forthe 1955-56 term, as received from the YLRL Vice-Presi-dent. Please address inquiries direct to Gloria Matuska,W9YBC, 2322 South Second Ave

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Image from page 181 of “Pot Pourri” (1918)
annual credit score
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Identifier: potpourri00unse_25
Title: Pot Pourri
Year: 1918 (1910s)
Authors:
Subjects: Phillips Academy
Publisher: Phillips Academy
Contributing Library: Phillips Academy, Archives and Special Collections
Digitizing Sponsor: Abbot Academy Association

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Bailey Chute Lelaxd Stevexsox RELAY TEAM155

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CAPTAIN DODD team was hard put to beat us 3 to 2, and it tookTufts College an extra ten minutes to get awaywith that same score in their favor. The Exeter game was really a fine game, bothsides doing better than they ever had previously.Captain Dodds all-round playing was very good,as was that of Adams, the latter being the bestshooter on the ice. Captain Powers of Exeterdid well. The result of this game makes theseason a success, and much credit and manythanks are due to Coach Quinby and CaptainDodd for their untiring efforts in trying to bringabout just what they did — a victory overExeter. The following composed the team: Captain Dodd, center; F. F. Adams, rover; Mitchell Gratwick, left wing; G. P. Temple and C. Y. Chittick, right wing; E. A. Kahn, point; P. E. Wilson, cover-point; E. L. Davis, Jr., goal. IF we cant teach Exeter how to play foot-ball, we are learning fast, and we canteach them one thing — how to stand upon skates. The annual game this year was3 to 2 in our favo

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Image from page 78 of “The mirage” (1920)
annual credit score
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Identifier: mirage00depa_5
Title: The mirage
Year: 1920 (1920s)
Authors: DePauw University
Subjects: DePauw University College yearbooks Universities and colleges
Publisher: Greencastle, Ind. : DePauw University
Contributing Library: Allen County Public Library Genealogy Center
Digitizing Sponsor: Internet Archive

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Bill WendtEnd VVally WelchEnd Ike WlNELAND Center Jimmy HassettHalf-back The Franklin GameIn the true sense of the word, this game was an hours mud slinging contest.Three days of rain had put the field in a miserable condition and it was impossibleto work any trick plays or forward passes during this whole game. We wentinto the game with a determination and counted a touchdown within the firstfive minutes. From this point on it was a see-saw afi^air up and down the field,both teams relying upon punts to net them gains. Too much credit cannotbe given the team for the way they played. Franklins colors were again lowered7 to o and we had used only three plays during the entire game. No effortwas made to run up a score owing to the muddy condition of the field. The Wabash GameThere had never been so much excitement at either Greencastle or Crawfords-ville over a game before as there was over this one. Both schools turned outlOO per cent at Indianapolis to witness the annual fricassee. Wit

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Nice Mortgage Rates photos

A few nice mortgage rates images I found:

Image from page 434 of “Swartz & Tedrowe’s Indianapolis city directory, 1873” (1873)
mortgage rates
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Identifier: swartz1873unse
Title: Swartz & Tedrowe’s Indianapolis city directory, 1873
Year: 1873 (1870s)
Authors:
Subjects: Indianapolis, Ind. Business enterprises Residential streets Official residences People Government facilities Churches Schools Streets Cities
Publisher: Sentinel
Contributing Library: Indianapolis City Directory Collection
Digitizing Sponsor: LYRASIS Members and Sloan Foundation

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cellence of finish. Thesewill be sold at figures which cannot fail to satisfy customersand friends who favor us with their patronage. Your orders are respectfully solicited, knowing that you willnot only be pleased with our work, but will also find, by com*parison, that our prices are as low if not lower than those ofother establishments for work and materials of same quality. SENTINEL COMPANY. I. P. TEDEOWE,Dayton, Ohio. Dayton, Ohio* SWARTZ & TEDROWE, Directory Publishers, iDJLirrroisr, ohio, AND And 16 1-2 and 18 W. Washington St.INDIANAPOLIS, IND. Directories of States and Cities on File. Publishers of the following City Directories: INDIANA. Indianapolis City Directory, – – 1872.Richmond – – 1872-73. Indianpaolis … 1873. OHIO. Dayton City Directory, – – – 1873-74.Springfield City Directory, – – – 1873-74.Short Line Railroad Gazetteer, – – 1873-74. Bill Heads. Statements. Letter Heads. Envelopes. Note Heads. Shipping Tags Cards. Bank Checks. Blank Notes. Journals. Day Books.

Text Appearing After Image:
Ledgers.Cash Books.Note Books.Bill Books.Receipts.Pamphlets.Shipping Books.Programmes.Labels.Mortgages.Deeds, etc. T BLANK BOOK MANUFACTURERS, ETC. Wo- 33 East Market Street, INDIANAPOLIS, IND. We have recently added a complete Book Bindery to ourJob Printing Establishment, thus enabling us to do a greatervariety of work, and in a more satisfactory manner. Magazines,Music, Papers, Etc., bound in any desired style. We solicit ashare of patronage, and guarantee satisfaction. All Styles of Ruling done to Order. We keep a full line of Paper, Tags, Envelopes and Card Boardalways on hand, which we are prepared to work up at the mostreasonable rates. SWARTZ & TEDROWESANNUAL INDIANAPOLIS DIRECTORY, 1873. CITY GUIDE STREETS AND AVENUES. Adelia, from College Ave east to Rohamp-ton, fourth north of Seventh. Agne.s, from New York north to North,second west of Blake. Alabama, north and south, crossing Wash-ington third east of Meridian. Allen, from Delaware east to Oliver, thirdnorth of Sevent

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Image from page 31 of “Hastings’ seeds : spring 1915 catalogue” (1915)
mortgage rates
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Identifier: hastingsseedsspr1915hgha
Title: Hastings’ seeds : spring 1915 catalogue
Year: 1915 (1910s)
Authors: H.G. Hastings Co H.G. Hastings Co Henry G. Gilbert Nursery and Seed Trade Catalog Collection
Subjects: Nurseries (Horticulture) Catalogs Vegetables Seeds Catalogs Flowers Seeds Catalogs Fruit Seeds Catalogs
Publisher: Atlanta, Ga. : H.G. Hastings & Co.
Contributing Library: U.S. Department of Agriculture, National Agricultural Library
Digitizing Sponsor: U.S. Department of Agriculture, National Agricultural Library

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fine in heavy storms. MortgageLifter makes 37 to 40 per cent lint which, combined with its heavybearing qualities, makes it one of the most valuable varieties. Plant grows large and strong, roots deep and is a wonderful drought resister. It is the only highly bred up variety of largewhite seeded, extra big-boll cotton offered for sale. Has the longestof lint and has brought as high as M:j cents as against a generalmarket price of >>.2 cents. On upland either rich or poor you will find Mortgage Lifter asplendid variety. Pound, postpaid, 35 cents; 3 pounds, postpaid, to your address, .00; peck, by ex-press or freight, not prepaid, 60 cents; bushel (30 pounds Georgia legal weight), notprepaid, .75; 10 bushels, not prepaid, .00; 100 pounds, not prepaid, S5.00.Freight rate to Texas, Arkansas and Oklahoma points is .08 per 100 pounds. PRICES 2G H. G. Hastings Sf Co., Seedsmen, Atlanta, Georgia. MATCHLESS EXTRA EARLY BIG BOLL A SURE ENOUGH BOLL WEEVIL BEATING BIG BOLL COTTON

Text Appearing After Image:
Kings Extra Early Hastings Matchless Extra Early Big Boll Cotton A standard extra early variety; close. Makes 30 to 35 per cent lint. Our seed Is grown in extremeNorth Georgia and is the real genuine King. Pound, postpaid, 20c;3 pounds, 50c. Not prepaid, peck, 50c; bushel, .25; 10 bushels,.00; 100 pounds, .00. Write for prices on larger quantities.RllSSell Bit? Boll n late variety; 85 to 90 per cent ■ green seed. Strong, vigorous grower, hut very late and should not be planted in any section where easi-ness of crop is desired. Pound, postpaid, 20c; 3 pounds, 50c; peck,not prepaid, 50c; bushel, .25; 10 bushels, .00; 100 pounds, .00.Write for special prices on larger quantities. We introduced this superb new cotton lastyear and reports coming to us from practicallyevery cotton-growing state are unusually fa-vorable. Our illustration does not do it jus-tice. We have been growing and watching itin field culture ever since 1910 and every yearwe are more and more pleased wit

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Image from page 201 of “New York Nursery and Child’s Hospital Annual Report” (1910)
mortgage rates
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Identifier: newyorknurserych1910newy
Title: New York Nursery and Child’s Hospital Annual Report
Year: 1910 (1910s)
Authors: New York Nursery and Child’s Hospital
Subjects: New York Nursery and Child’s Hospital Maternal health services Child health services Charities, Medical–New York (State)–New York Foundlings care Child care
Publisher: New York Nursery and Child’s Hospital
Contributing Library: NewYork-Presbyterian/Weill Cornell Medical Center, Samuel J. Wood Library
Digitizing Sponsor: Metropolitan New York Library Council – METRO

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-continuedcontroversy relative to our rights in the Lexington Avenue property, andthat this decision will be favorable to our claim. The Treasurers Report annexed further emphasizes the necessityof having one institution rather than two. I would draw your attention to the fact that the Building Fundamounts to about ,000, and would recommend that it be transferredfrom the banking house where it is now deposited, at a low rate of in-terest, and that certain of the mortgages held by the hospital be trans-ferred to the Trustees. The cash will thus be available for generalexpenses; and the Trustees amply protected. As the reports from the various officers and committees herewithattached give full information regarding the operations of the currentyear, there would seem to be no necessity of repeating them here. Thestatements in them as well as the interesting and intelligent work notedin the reports show with what energy, ability and faithfulness all havelabored during the past year. 12

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It is to be also noted that the various committees, as shown by theirreports, have received much assistance from certain associations in-directly connected with our work, as well as from many enthusiasticmembers. The labor incident to the Charity Ball was well done, render-ing it a complete success. Your President feels assured that we are about to enter upon a newand enlarged field of usefulness. He recognizes the fact that the firstyears of a combination between two separate bodies are ones of stress,during which it is difficult to do ample justice to the traditions of thepast and yet fulfill the aims of the future. The work of a charitable hospital may be divided into three parts: 1. That similar to any other corporation, namely: the question offinance. This phase has been necessarily prominent during the pasttwo years. If however, we come to an agreement with the city, we willthen be in a position to view more clearly the broader principles whichshould shape the policy of all char

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Cool Home Mortgage images

Take a look at these mortgage loan pictures:

Image from web page 100 of “Poly, The” (1916)
mortgage loan
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Identifier: polythe1916bill
Title: Poly, The
12 Months: 1916 (1910s)
Authors: Billings Polytechnic Institute
Subjects: RMC yearbooks yearbooks Rocky Hill College Background Billings Polytechnic Record
Publisher: Billings Polytechnic Institute
Contributing Library: Rocky Mountain College, Paul M. Adams Memorial Library, History Archives
Digitizing Sponsor: LYRASIS Members and Sloan Foundation

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Glenn Harvey Smith. He left his as-sociations here for that other life whenever such a bright future appeared justahead, however we understand that some day the mystery will likely be fixed. Till thenwe will revere their memory and admire the fine things he stood for. Empress Brand STEEL CUT COFFEE on the market by all very first ClassGrocers every-where Roasted and loaded by Stone-Ordean-Wells Co. home mortgages on Im-proved property Montana MortgageCompany Selvidge- Babcocfy BuildingPhone 1317 —98— Perkins-Savage Lumber Co. BILLINGS, MONTANA DEALERS IN LUMBER ANDBUILDING MATERIAL you can expect into public the highest level product atthe lowest possible price in keeping with good company. Our Motto Is: Good Goods at Right Prices WE SATISFY PHONE 1051 we now have for sale ideal Upland in Montana to If you are in search of a loca-tion for a suburban residence, wehave a. W. B. GEORGELAND CO. Drive The switch and take guidelines: You willget as good outcomes while the professionalphotographer, with all the Ansco

Text Appearing After Image:
There isno guess-work. Theprice is low.The Anscolasts foryears. WE DOYOUR DEVELOPING, Quickly, Accur-ately at a Moderate cost. LEE WARREN, 2703 Montana Ave.RED CROSS DRUG STORE At 106 Broadway -99- you may get It atChappies DRUGS Sationery, Kodaksand materials Kodak Finishing andSupplies Chappie Drug Co. BILLINGS, MONT. A mencan Bank & TrustCompany CAPITAL, 0,000.00 AdiveAlert Alive W. LEE MAINS. PresidentCHAS. SPEAR, Vice PresidentO. W. ALLEN, CashierJOS. L. McCLELLAN, Asst. Cash. For The BEST in Real Estate,debts and Abstracting ofTitles—see YellowstoneInvestment Co. J. L. ALFORD, Mgr.7 Broadway Hail! Hail! The Gang Comes Here! MetropolitanBarber Shop 7 CHAIRS 7 * there was a Reason * ROTHROCK & KOLB McNutts Grocery good stuff to Eatfor Quality the happiness suggests our SuccessBoth Phones R. J. McNUTT, Jr., MANAGER —100- Hart-AlbinCo. Montanas Greatest Dry merchandise Store Founded 1902 AT Your provider whenever in the market for HARDWAREFURNACESPAINTSSTOVESRANGESROOFIN

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Image from page 306 of “post on reviews and world’s work” (1890)
mortgage loan
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Identifier: reviewofreviewsw54newy
Title: breakdown of reviews and world’s work
12 Months: 1890 (1890s)
Authors:
Subjects:
Publisher: New York Overview Of Reviews Corp
Contributing Library: Robarts – University of Toronto
Digitizing Sponsor: University of Toronto

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The joint-stock banks is tmder thegeneral control over the Federal Land Board,but ill do not have experience of the twelveLand Financial institutions. These are generally restricted to 6 %, interest on mortgages, and the interestmust maybe not meet or exceed 1 %, a lot more than theinterest they pay on the bonds; no commis-sion or other additional charges should be allowedTheir minimum money stock is 0,000,and they could issue bonds centered on farmmortgages to the quantity of fifteen timestheir stock. In addition to Secretarx Mc.Adoo. who isan ex-officio member, the Farm Loan Board,as constituted by President Wilson and con-firmed because of the Senate, is made of Mr. GeorgeW. Norris. of Pennsylvania, designated asCommissioner, or active cxccutie head ofthe fami-loan system: Judge Charles Lob-dell, of Kansas, an attorney of lengthy experiencein the farm-mortgage business; Capt. W. S.A. Smith, of Iowa, and Mr. Herbert fast,the publisher on farming subjects, formerlyeditor of Etirtn and Eireside and from now on a resident of West Nirginia.

Text Appearing After-image:
ICEBERG SIGHTED BY THE SENECA ON SUMMER 8. 1916. (Lat. 42.35 X., Extended. 49.36 V.) THE GLOBAL ICE PATROL with P. T. McGRATH (President of Legislative Council of Newfoundland) following the loss of the huge White Starliner Titanic, in April. 1912, by strik-ing an iceberg, there was clearly much discussionin European countries and The united states regarding the possibilityof following steps to lessen the likelihofidof such catastrophes in future. The theory ofoperating patrol ships in your community yjuth ofthe Grand Banks of Newfoundland, whereice is a menace to navigation during thewhole 12 months, ended up being advocated and BritishCjovernment revjlved up<jn a conference onthe topic at I»ndon within the autumn of this• roentgen. using the people who own the best British-t.imship lines. This resulted in a decisionJo despatch a ship next springtime to cruise inthese oceans and gain all the inf<»rmationprrtsible in terms of the brrak-up of thr ice,the way for which it moves, and thefeasibility* of a patrol »ervice to warn ship

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Guide to Your Trip to India: Essential of Indian Tourist Visa and Manual for Your Tour to India

In the company of numerous remarkable locations, enlightening measures and gastronomic attractiveness, India forms a center of attention for the vacationer from all over the world. India is recognized as a favorite destination of thousands of individuals from distinct countries who applies for Indian tourist Visa to explore Indian culture and heritage. There are number of places in India which exceedingly attracts the visitors like Rajasthan, Kerela, Jammu and Kashmir, Goa, and Agra and so on.

If you are also planning to visit India then you require a valid Indian Tourist Visa from recognized Indian Visa services provider. Visa India is a renowned name in this domain which best suits with your entire Indian Tourist Visa needs. Visa India specifically operate in Indian tourist visa and tourist Visa to UK you can fill the online visa form or can simply leave your details for further scheduling.

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To apply for the Indian Tourist visa you need to satisfy all the terms and conditions proposed by the Indian Embassy for the overseas visitors. Applicant from the UK must have a valid passport with at least 1 year of visa validity remaining. Processing time of your Indian Tourist visa application may differ from the country from where you have applied for the visa. Whereas experts at Visa India assure you that your applications will be processed within the minimum 5 days of proposing the request.

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