Have you heard about how fast credit card fraud and identity theft is rising? Dishonest thieves find very clever ways to steal credit card numbers, and often entire identities, leaving the victims with a huge mess that takes dozens, if not hundreds of hours, to clean up and clear up (if that is even possible).

Your financial future can be directly impacted if you are a victim of credit card fraud or an actual identity theft.

Can you protect yourself?

One in 20 Americans is a victim of credit fraud and one in 50 is a victim of Identity theft. If you have ever known anyone who was victimized this way, then you know it is a nightmare to untangle. Your EverydayWealth subscription will help prevent you from being caught up in a horror story because you can quickly spot unusual activity with your monthly credit report review.

Every month, you receive an email notification that your current credit report has been updated and is available to view. If any new accounts are opened, or any credit inquiries made, they are listed prominently, early in the report, so you can catch illegal activity before much damage is done. Think of this as an early warning system that is included with your subscription.

In addition to credit card fraud detection and identity theft detection, your subscription also gives you the tools and knowledge to get erroneous items removed from your credit report. You also have access to tips to INCREASE your credit score. Did you know that the right credit card in your wallet will INCREASE your score, but having certain lenders or credit cards - even if you pay your bill on time - will DECREASE your credit score?

Did you know that your future employers may check your credit score and might offer you a lower wage if you have a lower score? (They presume that you need the job worse than the next guy so they don't have to pay you as much to come onboard). If your credit score affects your INCOME, this affects your future!!!

Did you know your house and car insurance rates and whether you even GET the insurance from a company can depend on your credit score? This situation affects your EXPENSES, which in turn affects your financial future because you have to spend money you could have saved on higher priced insurance. When you have to pay extra for necessities, all because of a credit score that could contain errors, you have less to save for your future.

You can get your subscription for protection and at the price of a pizza each month, and have the peace of mind of knowing you have taken prudent steps to protect your financial future. You will, also, receive $25,000 Identity Theft Coverage with no deductible. If you have any questions, please give me a call.

To Your Peace of Mind!

Carolyn Lee
1-800-497-3254

P.S. I hope you saw the TV program on CNN about Identity Theft... it was warning us to be especially careful when Christmas shopping... in case you didn't see the program, here are a few of the things that they mentioned:

Do not carry your social security card or your SS # with you.

Do not carry all your credit cards... when you go shopping, just take one or two cards.

Photocopy front and back of all your credit cards and all the info that you carry in your wallet... keep in a safe place

When the clerk gives you the package, take the receipt out of the bag. The thief doesn't want that sweater that you just bought, they want the receipt... your credit card number just might be on the receipt.

Check all your credit card statements carefully every month.

Pull your credit report frequently to make sure no one is using your identity to open credit card accounts, etc.

When shopping online, use your credit card, do not use a debit card or checking account. Credit cards are federally protected and in event someone charges with your credit card number, if you can prove it's fraud, you are only be responsible for $50. max.

Purchase a shredder and shred your mail before you put it into the trash... especially all that mail from the credit card companies.

I belong to a service that helps protect us from Identity Theft and Credit Card fraud. If you would like to learn about it, go to the site and watch the movie here They, also, give you $25,000 coverage if you are ever a victim of identity theft.