How Much is Your Identity Worth to Thieves?

How Much is Your Identity Worth to Thieves?

Uncategorized
From your PayPal login to access to your Amazon and Airbnb accounts and basic financial details tied to your credit cards — among dozens of other logins — your entire online identity is worth about the price of a new iPhone X. It’s pretty cheap for a thief to illegally buy the average person’s stolen personal information on the dark web — $1,170.74 to be exact, according to a review of fraud-related listings by the VPN review site TOP10VPN. In what it calls the Dark Web Market Price Index, the site details how would-be scammers could spend more on going out to lunch than on getting hacked accounts such as Grubhub ($15), Walmart ($12) or Netflix ($8). The VPN site’s security experts reviewed tens of thousand of listings on three…
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Do I Need a Perfect 850 FICO Score?

Do I Need a Perfect 850 FICO Score?

Credit Repair
When people first discover that the highest possible FICO score is 850, they want to know what it takes to get that high score. Fortunately, a perfect credit score is not required for anything, but it can help. This article will cover exactly what a perfect credit score can do for you, how to get one, and why you don’t need one. What Does a Perfect Credit Score Do For You? Having a perfect credit score does not change anything concerning your ability to pay back a loan. Now, this is only compared to an otherwise high credit score. The difference between an 850 score and a 450 is significant. However, a credit score above 800 is practically the same as a perfect score. In fact, you will see almost no…
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American Express Points Now Transfer to Avianca Airlines

American Express Points Now Transfer to Avianca Airlines

Credit Cards
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money. American Express customers who participate in its Membership Rewardsprogram can now transfer those points to the frequent flyer program of the second-largest airline in South America: Avianca Airlines. Avianca LifeMiles now partners with American Express, with one-to-one point transfers that open up more ways for AmExMembership Rewards members to spend, transfer and maximize their points. Based in Bogota, Colombia, Avianca Airlines also has hubs in Lima, Peru and San Salvador, El Salvador. Major U.S. cities served include Miami, New York, Washington, D.C., Los Angeles and Dallas. International cities served include London, Barcelona, Spain and Buenos Aires, Argentina. A world of options With Avianca’s…
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The Citi Prestige Card is Increasing Travel Perks

The Citi Prestige Card is Increasing Travel Perks

Credit Cards
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money. The Citi Prestige® Card is getting a boost in travel rewards, earnings options and redemption options in 2019. The best part: It’s because of tracking customer feedback and usage. Here’s what consumers need to know: Beginning in January 2019, cardmembers will earn more points for certain travel purchases. Cardholders will earn five ThankYou points for every $1 spent on dining and travel purchases and three ThankYou points per dollar spent on cruise purchases. The $250 annual bonus extended for air travel is extended to all travel.Travelers can now use this credit to book hotels and other eligible travel purchases in addition…
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How to Earn Travel Rewards Using the New Air France-KLM Credit Card

How to Earn Travel Rewards Using the New Air France-KLM Credit Card

Uncategorized
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money. Air France-KLM and Bank of America® announced the new Air France KLM World Elite Mastercard® on Oct. 16, 2018, making it the airline’s only co-branded credit card available in the U.S. This new card allows customers to earn miles and experience points (XP), the reward currency for Air France-KLM’s elite status program called Flying Blue. Here are some ways cardholders can build travel rewards with this card: Reach Elite status by booking one first-class flight Approval for the card gets you 60 XP off the bat. Travelers need 100 points to earn Silver Elite status, so you’re more than halfway there before…
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What Your Credit Score Range Means

What Your Credit Score Range Means

Credit Repair
When your credit score is under 750, you probably have a negative entry like a late payment. The easiest way to quickly improve your credit score is to get that negative entry removed. If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you. Give them a call at 1-844-764-9809 or Check out their website. Credit Score Ranges First of all, if you want to see your most up-to-date credit score for free, you can get it from TransUnion. Excellent 780+ – With an excellent score of 780 or higher you will get the best rates available. Very Good 720 – 779 – This is…
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3 Steps to Remove Collections From Your Credit Report

3 Steps to Remove Collections From Your Credit Report

Credit Repair
Contents [show] In my experience it is possible to remove collections from your credit report. A collection entry on your credit report, including medical collections, can severely lower your credit score and in many cases prevent you from obtaining a mortgage or auto loan. Before we get into how to remove collections from your credit report, I want to go into detail about what a collection entry actually means, how badly it can hurt your credit score, and how long collections stay on your credit report if you don’t take any action. What You Need to Know About Debt Collections Debt collections come in many forms —whether it’s an old unpaid medical bill, cellphone bill, or even a library book that went unreturned. One thing all collections have in common…
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Low Credit Score? You Can Still Get a Mortgage Loan

Low Credit Score? You Can Still Get a Mortgage Loan

Credit Repair
Do you have a low credit score? You may be in for a little luck if you want to buy a home. It’s easier to buy a house now than it was a decade ago. More homebuyers are qualifying for a mortgage with a low credit score than they did just after the Great Recession, partly because of more lax Federal Housing Administration loans. Higher debt is also being allowed more often by home lenders. A study by the Fair Isaac Corporation, or FICO, which is the most widely used type of credit score among lenders, found that credit scores for new mortgage originations have been dropping since tighter credit policies were enacted after the housing crisis. That sounds like an oxymoron — lower credit scores allowed by mortgage lenderswho…
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Should You Tell Your Partner About Your Debt?

Should You Tell Your Partner About Your Debt?

Credit Repair
Not picking up the check at dinner, having bad breath or being late may be excusable on a first date, but one thing isn’t — having too much credit card debt, according to a survey. The average amount of credit card debt that’s considered unacceptable is $11,525, with more respondents to a survey by finder.com saying it’s unacceptable in a partner than any other form of debt. Some three in four Americans, or 77.55 percent of respondents, found that much credit card debt unacceptable, followed closely by payday loans of $1,830 by 77.35 percent. Debt can limit how much money you have available to spend going out to movies, dinners, drinks and other dating activities. Over the long haul, high debt can delay life milestones such as marriage and having…
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Free credit freezes are coming – but similar options are already here

Free credit freezes are coming – but similar options are already here

Credit Cards, Credit Repair, Credit Scores
Americans will get free, fast credit freezes following last week’s enactment of S. 2155, the Economic Growth, Regulatory Relief and Consumer Protection Act. Most of the law’s 73 pages soften bank regulations that were designed to prevent another financial crisis like the one in 2008. But Section 301 provides an important consumer benefit. Credit freezes block fraudsters from getting a loan in your name by keeping lenders out of your credit file. Currently, freezes are administered under a patchwork of state laws. Credit freezes usually carry a fee of $5 to $10, plus fees for each time they’re lifted, and the process can be cumbersome. The new law requires freezes, when set up electronically, to be placed within one day and removed within an hour of the consumer’s request. The…
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