Now, frankly, I’m more of a bungler than a burglar. But you gotta give this guy “credit” (ha!) for being the poster boy for today’s high-tech crooks. And, guess what folks: Poxxie’s not alone in this scheme. The MSN Money article also says that thieves steal about 8.4 million credit card numbers in the U.S. annually. Without you even suspecting a thing, these thieves can max out your cards. Goodbye good credit and hello Billy Bad Score.

However, those Good Score Guys have been messing up my game plan lately by helping people become more informed about their credit scores. FreeScore offers its members access to their credit scores and reports from all three major credit bureaus. Plus, wit

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So, who is likely to fall victim to credit report errors and how do multiple consumers credit reports get blended together?

The Dispatch examined the records of almost 1,300 individuals who complained to the FTC over the course of 2 and 1/2 years that their credit report had errors because it had been blended with another report. The findings showed that family members are far and away the most likely to have their credit files mixed.

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Some errors may not have a huge impact, but what if your credit report is switched with someone else who has the same name? Or what if the credit card debt you paid off a year ago still shows up on your record?

If youve discovered an error on your credit report, be sure and notify the credit bureau(s) that listed the error in writing. Be sure and provide the following items in your correspondence:

• Your complete name, Social Security number and address
• Details about which items you are disputing and the reasons for doing so
• Account numbers, invoice numbers, check numbers, payment dates or anything else that may help correct the error

You may send the documentation via snail mail or online.

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Square currently charges businesses using its mobile credit card readers, which plug into the headphone jacks of devices like iPhones and Android handsets, a transaction fee of 2.75% of the total purchase value, but PayPals card reader will levy a fee of 2.7%, the report said. A small distinction, but an important one that can help smaller businesses with thinner margins save money over the course of the year.

This is PayPals second foray into the world of brick-and-mortar, real-world transactions in a relatively short time after it got its start almost entirely in the online realm, the report said.

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There are times when you may be faced by some unexpected expenses that you have to take care of and it can be quite inconveniencing if this happens towards the end of the month when most people operate on a very tight budget. However, you can apply for instant personal loans especially if you require some urgent cash and you will have this shortly after application and this will see you sort out your financial need in time.

Considerations when applying for instant payday loans

Look for online lenders- the easiest way to get some quick funding is to apply for the loans with online lenders and finding them will only require you to carry out a simple online search. Read more…

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I love being the life of the party. However, I often find myself becoming more of the butt of the joke with the Good Score Guys due to my bad score. They always seem to be popular at all the social events. Not like I’m green with envy or anything.

If you’ve been anticipating a hazy vision of shamrocks and top hats this holiday, spending hard while partying hard will definitely make you vulnerable to seeing me on your credit profile soon! Leprechauns are known for their mischief. But unlike them, I actually exist – turning up to create chaos at the worst times, like when you apply for a loan and a credit binge comes back to haunt you.

Encouraging spontaneous spending is such a nice aspect of my job. Too b

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On the surface, I dont have a problem with states giving tax refunds on prepaid cards. The practice could save states lots of money that can be used for more important things, such as for education and healthcare.

If you go to a bank multiple times to withdraw small amounts of cash, youll really get dinged. The first withdrawal is free, but after that, youll pay $10 for each withdrawal. The way to avoid this is to visit the teller and withdraw all your cash at one time. Theres no fee for doing it this way.If you have a savings or checking account, you can also transfer the funds to one of your accounts for free.

Many other states are offering refunds on prepaid cards so be aware of fee traps.

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