How to spot counterfeit money and report fake money.

  how to spot counterfeit money and report fake money.

 

Can you spot counterfeit money? Don't let counterfeiters fool you, spot fake money and report it to the federal government.

 

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How to spot counterfeit money: Closely examine money you receive and compare suspect bills with a genuine bill of the same denomination and series. Pay attention to the quality of printing and paper, and look for differences instead of similarities.

 

How to tell if money is counterfeit

Real Vs Counterfeit

Portrait: A genuine portrait appears lifelike and stands out distinctly from the background. The counterfeit portrait is usually lifeless and flat. Details merge into the background which is often too dark or mottled.

 

Federal Reserve and Treasury Seals: On a genuine bill, the saw-tooth points of the Federal Reserve and Treasury seals are clear, distinct, and sharp. The seals of counterfeit money may have uneven, blunt, or broken saw-tooth points.

 

Border: The fine lines in the border of genuine money are clear and unbroken. On counterfeit money, the lines in the outer margin and scrollwork may be blurred and indistinct.

 

Serial Numbers: Genuine serial numbers have a distinctive style and are evenly spaced. The serial numbers are printed in the same ink color as the Treasury Seal. On counterfeit money, the serial numbers may differ in color or shade of ink from the Treasury seal. The numbers may not be uniformly spaced or aligned.

 

Paper: Genuine currency paper has tiny red and blue fibers embedded throughout. Often counterfeiters try to simulate these fibers by printing tiny red and blue lines on their paper. But on counterfeit money the lines are printed on the surface, not embedded in the paper. It is illegal to reproduce the distinctive paper used in the manufacturing of United States currency.

 

 

Genuine paper currency is sometimes altered in an attempt to increase its face value. One common method is to glue numerals from higher denomination notes to the corners of lower denomination notes.

These bills are also considered counterfeit, and those who produce them are subject to the same penalties as other counterfeiters. If you suspect you are in possession of a raised note:
 

Compare the denomination numerals on each corner with the denomination written out at the bottom of the note (front and back) and through the Treasury seal.

 

Compare the suspect note to a genuine note of the same denomination and series year, paying particular attention to the portrait, vignette and denomination numerals.

 

Counterfeit Coins

Genuine coins are struck (stamped out) by special machinery. Most counterfeit coins are made by pouring liquid metal into molds or dies. This procedure often leaves die marks, such as cracks or pimples of metal on the counterfeit coin.

Today counterfeit coins are made primarily to simulate rare coins which are of value to collectors. Sometimes this is done by altering genuine coins to increase their numismatic value. The most common changes are the removal, addition, or alteration of the coin's date or mint marks.

If you suspect you are in possession of a counterfeit or altered coin, compare it with a genuine one of the same value.

If it is above five cents in value, it should have corrugated outer edges, referred to as "reeding." Reeding on genuine coins is even and distinct. The counterfeit coin's reeding may be uneven, crooked, or missing altogether.

 

To prevent counterfeit money, the U.S. Treasury creates new one, two, five, ten, twenty, fifty and 100 dollar bills.

 

Suspect you've been given fake money? Turn it over to your local police or Secret Service field office. Or get more information on how to spot counterfeit money.

  

Need more information? Read our financial and credit articles related to money or government, and join our online financial newsletter.

Identity Theft Reporting and Victim Rights

 

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information (without authority), to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit www.consumer.gov/idtheft or write to: FTC, Consumer Response Center, Room 130-B, 600 Pennsylvania Avenue, N.W. Washington, D.C., 20580.

 

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.

 

You have the right to ask that nationwide consumer reporting agencies place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You may place a fraud alert in your file by calling just one of the three nationwide consumer reporting agencies. As soon as that agency processes your fraud alert, it will notify the other two, which then also must place fraud alerts in your file.

 

Equifax: 1-800-525-6285; www.equifax.com
Experian: 1-888-397-3742; www.experian.com
TransUnion: 1-800-680-7289; www.transunion.com

 

An initial fraud alert stays in your file for at least 90 days. An extended alert stays in your file for seven years. To place either of these alerts, a consumer reporting agency will require you to provide appropriate proof of your identity, which may include your Social Security number. If you ask for an extended alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency, and additional information a consumer reporting agency may require you to submit. For more detailed information about the identity theft report, visit www.consumer.gov/idtheft.

 

You have the right to free copies of the information in your file (your "file disclosure"). An initial fraud alert entitles you to a copy of all the information in your file at each of the three nationwide agencies, and an extended alert entitles you to two free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help you detect signs of fraud, for example, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Once a year, you also have the right to a free copy of the information in your file at any consumer reporting agency, if you believe it has inaccurate information due to fraud, such as identity theft. You also have the ability to obtain additional free file disclosures under other provisions of the FCRA. See www.ftc.gov/credit.

 

You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.consumer.gov/idtheft.

 

You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief - like the name of the creditor and the amount of the debt.

 

If you believe information in your file results from identity theft, you have the right to ask that a consumer reporting agency block that information from your file. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your consumer report. Should you decide to ask a consumer reporting agency to block the reporting of this information, you must identify the information to block, and provide the consumer reporting agency with proof of your identity and a copy of your identity theft report. The consumer reporting agency can refuse or cancel your request for a block if, for example, you don't provide the necessary documentation, or where the block results from an error or a material misrepresentation of fact made by you. If the agency declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.

 

You also may prevent businesses from reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the consumer reporting agency. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

 

To learn more about identity theft and how to deal with its consequences, visit www.consumer.gov/idtheft, or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general.

 

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit.

 

Credit Report Locking
A security freeze on your credit report will prohibit a credit reporting agency from releasing your credit report without your express authorization. The security freeze is designed to prevent a credit reporting agency from releasing your credit report without your consent. However, you should be aware that using a security freeze to take control over who is allowed access to the personal and financial information in your credit report may delay, interfere with or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, , government services or payments, rental housing, , investment, license, cellular telephone, utilities, digital signature, Internet credit card transaction or other services, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your credit report or to authorize the temporary release of your credit report for a specific party or specific period of time while the security freeze is in place. To provide that authorization, you must contact the credit reporting agency and provide all the following:

 

1. Proper identification.

 

2. The unique personal identification number or password provided by the credit reporting agency.

 

3. The proper information regarding the third party who is to receive the credit report or the time period for which your credit report must be available.

 

A credit reporting agency must remove the security freeze from your credit file or authorize the temporary release of your credit report not later than 3 business days after receiving the above information.

 

A security freeze does not apply to certain persons, including a person, or collection agencies acting on behalf of a person, with whom you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account.

 

To place security freezes on your credit reports, call or visit each bureau's website for instructions:

 

Equifax: 1-800-525-6285; www.equifax.com



Fraud Scams

 

Consumers need to be able to recognize scams and report them to the FTC by phone. Fraud can take place by phone, on the internet, and through the mail with scammers using any method that can steal your money and identity. Most of the time not one type of person is targeted and those who are victims can be educated and involved in their communities. Scammers don't care about how old a person is, their race, or their income, all they want is money.

 

They use the latest trends and techniques such as professional marketing materials, great telephone scripts, they are friendly, and have believable answers for all your questions. They are able to impersonate legitimate businesses or charities and play on consumers' emotions. They are professional criminals who know what they're doing and they do it well. Thousands of consumers are scammed out of money every year.

 

Identity theft is one of the fastest-growing types of fraud and it is important to protect personal information. When a person calls you and asks for information, hang up or tell them to mail you written information for you to read. Usually they try to pressure you for information and say that you must act now. Don't fall for any call back numbers they may give you, it can be part of the scam and they may be happy to give you a phone number. Report scams to the FTC as they can alert law enforcement throughout the United States and abroad. By reporting scams, you may be able to prevent others from becoming victims.



Bank Check Scams by Mail and Online

 

Don't be a check fraud victim. Review these free tips on how to avoid check scams by mail and online, and learn how to report scammers.

 

Free Tips to Avoid Check Scams by Mail and Online and How to Report Fraud

 

Examples of check scams to give you a good idea of what to watchout for, and how to report fraud. Basically, anything that sounds too good to be true (or fishy) likely is.

 

 

Counterfeit Check Scam Example:

 

You receive a check claiming you had won a prize, and the enclosed check is to cover taxes and fees. You are instructed to deposit the check into your account, and then wire the sender a check from your account to pay the taxes and fees. You're told that once you send them the tax and fee money (which they paid for you but you must send from your own account), that you'll then receive your prize.

 

Of course, this is all a scam. The pre-paid tax/fee check is no good. So, a few days after you deposit into your account (and after you've already sent money from your account), the check will bounce back to you. Not only did you lose the amount of the check, but also the money you sent, and the bounced-check fees you'll have to pay.

 

Facts: Wired money can't be retrieved, and you're responsible for all checks you deposit even if you didn't know they were fake.

 

This is just one example of a counterfeit check scam, and the Federal Trade Commission warns that counterfeit check scams are on the rise. Some fake checks look so real that bank tellers are being fooled. The scammers use high quality printers and scanners to make the checks look real. Some of the checks contain authentic-looking watermarks. These counterfeit checks are printed with the names and addresses of legitimate financial institutions. And even though the bank and account and routing numbers listed on a counterfeit check may be real, the check still can be a fake. These fakes come in many forms, from cashier's checks and money orders to corporate and personal checks.

 

 

Check Over Payment Scam:

 

You receive a check and for whatever reason (see below), the sender wants you to send a portion of the check back from your own account.

Example 1: Let's say you place an ad to sell your car. Someone offers to buy your car with a check, and then comes up with a reason for writing the check for more than the purchase price. Maybe claiming it was an accident writing the check for more money than you asked for. Whatever reason, the scammer asks you to give back the over payment amount (using your checking account or cash). Of course the buyer's check will bounce.

Example 2: Someone hires you to be a secret shopper and your job is to evaluate a money transfer business. You are given a check to deposit in your bank account, and to then withdraw the amount in cash. Then, you're told to take the cash to the money transfer business specified, and send the money to an address. The supposed 'job' is to evaluate how well the money transfer business treated you. The truth is, there is no job, and the money transfer business is not in on the scam. Quite simply, someone tricked you to send them money from your account by giving you a check to cover those costs, but that check will soon bounce. You'll be out of the money you sent to the scammer, plus the bounced check fees. Although you may have the address where the scammer had you send the money, when funds are sent through wire transfer services the recipients can pick up the money at other locations within the same country. It's nearly impossible to identify or locate the scammer.

Example 3: You receive a big check and the enclosed letter says you won a lottery, drawing or other cash prize. The sender says all you need to do is cash the check, then send them a small amount of money either to cover fees, or to prove your identity as the proper recipient. The check bounces, and you're out the money you sent to the scammer as well as the money for bounced check fees.

 

 

What is the law, your legal rights and bank responsibilities:

 

Under federal law, banks must make funds available to you from U.S. Treasury checks, official bank checks (cashier's checks, certified checks, and teller's checks), and checks paid by government agencies at the opening of business the day after you deposit the check. For other checks, banks must similarly make the first $100 available the day after you deposit the check. Remaining funds must be made available on the second day after the deposit if payable by a local bank, and within five days if drawn on distant banks.

 

However, just because funds are available on a check you've deposited doesn't mean the check is good. It's best not to rely on money from any type of check (cashier, business or personal check, or money order) unless you know and trust the person you're dealing with or until the bank confirms that the check has cleared. Forgeries can take weeks to be discovered and untangled. The bottom line is that until the bank confirms that the funds from the check have been deposited into your account, you are responsible for any funds you withdraw against that check.

 

 

How to protect yourself from counterfeit check scams:

Throw away any offer that asks you to pay for a prize or a gift. If it's free or a gift, you shouldn't have to pay for it, right?

Resist the urge to enter foreign lotteries. It's illegal to play a foreign lottery through the mail or the telephone, and most foreign lottery solicitations are phony.

Know who you're dealing with, and never wire money to strangers.

If you're selling something, don't accept a check for more than the selling price, no matter how tempting the offer or how convincing the story. Ask the buyer to write the check for the correct amount. If the buyer refuses to send the correct amount, return the check. Don't send the merchandise.

As a seller, you can suggest an alternative way for the buyer to pay, like an escrow service or online payment service. There may be a charge for an escrow service. If the buyer insists on using a particular escrow or online payment service you've never heard of, check it out. Visit its website, and read its terms of agreement and privacy policy. Call the customer service line. If there isn't one — or if you call and can't get answers about the service's reliability... don't use the service. To learn more about escrow services and online payment systems, visit ftc.gov/onlineshopping.

If you accept payment by check, ask for a check drawn on a local bank, or a bank with a local branch. That way, you can make a personal visit to make sure the check is valid. If that's not possible, call the bank where the check was purchased, and ask if it is valid. Get the bank's phone number from directory assistance or an Internet site that you know and trust, not from the check or from the person who gave you the check.

If the buyer insists that you wire back funds, end the transaction immediately. Legitimate buyers don't pressure you to send money by wire transfer services. In addition, you have little recourse if there's a problem with a wire transaction.

Resist ACT NOW pressures to respond quickly. If the buyer's offer is good now, it should still be good after the check clears.

 

 

Been a scam victim? What to do and how to report check fraud:

If you think you've been targeted by a counterfeit check scam, report it to the following agencies:

The Federal Trade Commission (FTC) online at ftc.gov or call toll free 1-877-FTC-HELP (1-877-382-4357).

The U.S. Postal Inspection Service online at usps.gov/websites/depart/inspect or call your local post office.

Your state or local consumer protection agencies. Go online at naag.org for a list of state Attorneys General, or check your local telephone directory for appropriate phone numbers.

 

 

Additional Fraud Reporting Information

 

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. You can file a scam complaint online or get free scam protection information.

 

Also visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.



Visa Card Holder Scam Protection - Apparently Visa doesn't tolerate retailers who try to scam their card holders. 100 retailers who used the 'Negative Option' to cheat consumers just found that out.

 

First, let us give you 'Negative Option' examples: Let's say you signed up for a free trial offer that required you to enter your credit card number. Even if you cancelled the free trial, you may still have future charges placed onto your credit card. Another 'Negative Option' scam example may sell you a product that requires you to only pay for shipping, yet later you get more charges added to your credit card. You see, the 'Negative Option' is when retailers slip in these little check boxes (already checked) asking you if you want to participate in future free trial offers and products. If you don't uncheck those boxes, guess what... sometime later when they have a new trial offer or a 'just pay for shipping' free product, they place a charge on your credit card. Another example is 'fine print' that says you'll be enrolled by taking advantage of their free trial offer or free product. In some cases, you might even sign up for multiple offers and get several charges on your credit card.

 

Visa puts the smack-down on such retailers. Following card holder complaints, Visa stopped payment processing services for 100 of these retailers. They also plan to work with the FTC and the Better Business Bureau to warn consumers about these questionable merchants.

 

Scam Prevention Tip: Be wary any time you are required to enter your credit card information for something that's supposed to be free, or requires you to only pay for shipping. There are indeed legitimate free products that charge for shipping, just be sure to check them out first. If you sign up for a free trial make sure you look for any type of box or disclaimer that says you're going to be automatically enrolled in a subscription service. Search the website for instructions on canceling the service and don't sign up if you can't find that information. If possible, before you enter your credit card number send the company an email; or use their online contact form, and ask if you will be entered into any program or service that may bill your credit card. Try to get a response in writing; whether by mail or email, and keep it for future use.

 

If you've already signed up for one of these services and can't find cancellation instructions, contact your card issuer to find out how you can reverse credit card charges and block charges from the company in the future.



Fraud Scams

  

Some scams that may be a concern through 2010 are those that involve hackers who get into personal accounts, diet scams, online shopping scams, and shopping sites that are not reputable. There are always the typical email scams and those will keep flooding your in boxes. There may be some new IRS Email Scams into the New Year as usual. Typical IRS email scams use the IRS Logo and try to trick people into providing personal information that can be used to commit identity theft.

  

Other email scammers may try to send recipients to a phony site that that looks like the official IRS site but it is not, with the goal of getting social security numbers, credit card numbers, and PIN numbers. Other scam include selling information on how to avoid paying taxes. Don't fall for any emails from the IRS asking for your personal information, re member this, the IRS will never ask you for information through emails.

 

The Nigerian 419 scams will be numbered at the top because many people fall for scams that promise to bring wealth and happiness without any effort. Yes, it would be great to get tons of money without working, but it does not just happen. Other scammers attempt to prey on your emotions to try to get your hard earned savings or money from your accounts. Report anything you may consider to be a scam and be careful not to fall for the newer more creative scams of 2010.



Consumers and Scams

 

 An example of scams can be when a victim is contacted and asked to send money to claim a prize, or to send money to a stranger who claims to need funds to get out of a country, or a person wants to purchase something from you using a money transfer method or a stolen credit card.

 

Other scams involve offering victims a loan but money is needed first to secure the loan, there are romance scams that involves a person asking for money, newspaper scams that offer rewards or loans but they need money upfront, or fake family scams which involves a person claiming to be a long lost family member who needs money.

 

All scams prey on the emotions and the trusting emotions of a victim. Scamming uses the victims emotions as a tool to get money, social security information, other personal information, and credit card or banking information. Never give money or personal information to anyone you don’t know or who asks for the information, unless you absolutely know you can trust the person. A common scam is that of winning a prize in a sweepstakes. Remember that a legitimate sweepstakes will indicate “no purchase necessary” and will not ask you to pay for processing or shipping fees.

 

A big mistake is to assume a company is legitimate because they have a website. Look for a physical address and contact information, research the company online, and with the Better Business Bureau. Review their return policy and any warranty for any products you purchase. When shopping online, try to use well known companies as one way to prevent being scammed.



Fraud Scams:

 

The Federal Trade Commission (FTC) will hold a conference February 17, 2010 to announce a crack down on job and work-at-home frauds. This will take place at the Federal Trade Commission, in Washington, DC. . Instructions will be posted on the FTC’s Web site beforehand and they will have a video that will be posted on their website. When people are victims of identity theft, the (FTC) which is the nation’s consumer protection agency, suggests some steps that can be taken as soon as possible.

 

* Keep records of conversations and copies of all correspondence.

* Review credit reports and contact any of the 3 nationwide reporting agencies to put a fraud alert on your credit reports to prevent an identity

   thief from opening any more accounts in your name. TransUnion: 1-800-680-7289, Fraud Victim Assistance Division, Equifax: 

   1-800-525-6285, Experian: 1- 800-397-3742.

* Check credit reports periodically for fraudulent activity.

 

The two types of fraud alerts are the initial alert and an extended alert. The initial alert stays on credit reports for at least 90 days and is appropriate in cases of missing or stolen wallets or when you have been taken in by a “phishing” scam. When an initial fraud alert is on credit reports, you’re may be able to get one free credit report from each of the three major bureaus.

 

An extended alert stays on credit reports for seven years. It can be placed on reports when you have been a victim of identity theft and you provide the agency with an “identity theft report.” You may be entitled to two free credit reports within twelve months after placing the alert, from each of the three major agencies. They will remove your name from marketing lists for prescreened credit offers for five years unless you request them to put your name back on the list.

 

To place either alerts on credit reports or to have them removed, you must provide proof of your identity. This would include your SSN, name, address, and other personal information the reporting company requests. When businesses see alerts on credit reports, they must verify your identity before issuing you credit. The business may try to contact you directly and this could cause delays when trying to obtain credit. Make sure all information is kept current on reports.



Equifax I Card

 

 

Equifax along with Google, Verizon, VeriSign, Paypal, CA and Booz Allen Hamilton launched the Open Identity Exchange (OIX) at a conference in San Francisco. The OIX is a non-profit that works to build trust in the exchange of online identity credentials for public and private sectors. They have been approved as a trust framework provider by the U.S. Government. Equifax, Google and PayPal are the first identity providers certified by OIX to issue digital identity credentials that will be accepted for privacy-protected registration and login at U.S. Government websites.

 

 

"The opportunity to deliver our proven technology and its privacy features to the government sector is truly exciting," said Ron Carpinella, vice president,Equifax Identity Management. "OIX is the means catalyst that will enable better, more secure and user-centric capabilities in government and industry digital services." Trust frameworks are a way for a website to trust identity, security, and privacy assurances from another site (the "identity provider") acting on behalf of a user. The OIX will make sure that identity providers meet the security, privacy, and other identity requirements set out by a particular trust framework. Equifax is an expert in identity management and verification to the open trust platform initiative.

 

The Equifax I-Card is among the first commercial products to launch from members of the Information Card Foundation (ICF), a non profit organization that strives to develop a simple, secure digital identity on the Internet. A digital identity management solution, the Equifax I-Card contains information to conduct online transactions or verify identity. Equifax announced that its I-Card was the first to provide the highest level of authentication security, level 3, in the marketplace. Order a credit report, from Equifax.

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Bad credit home loan - Apply for a home loan and stop paying rent.

Bad credit personal loan - Online application for a no credit check loan with instant approval.

Bad credit - Learn the problems with bad credit and how to improve.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Balance transfer credit card - How to safely transfer balances to a 0 intro card.

Bank checking account - How to read a bank checking account statement.

Business credit card - Finance your large or small business with a credit card.

Business loan - Get funding to start a small business or to finance a corporation.

Calculate loan interest - Quickly calculate loan interest, monthly payments and total interest paid upon balance payoff.

Car dealership loan - Curb car dealer scams and dealership financing tricks with an online auto loan.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Chargeoff credit card - How to charge off credit card balances yourself, or get professional help from a debt settlement company.

Chase credit card - Reviews and online applications for Chase cards.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Choosing credit card - Free tips on how to choose a credit card per your qualifications.

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card benefits - Tips for choosing credit card benefits and perks that fit your needs.

Credit card debt - Free help to get out of credit card debt and tips on how to avoid debt.

Credit card debt consolidation - Credit card debt consolidation quote to combine and lower monthly bills

Credit card facts - Learn about the different types of credit cards and approval standards.

Credit card interest calculator - Calculate total interest paid at payoff.

Credit card payment calculator - Calculate monthly payment amount required to payoff card within a time frame.

Credit card ratings - Review consumer ratings of credit cards.

Credit card rebuild credit - Apply on the internet for a credit card to rebuild bad credit.

Credit card rewards - Choose perks such as cash back and points which interest you.

Credit card search - Use our fast, easy credit card search engine.

Credit card statement - How to read a credit card billing statement.

Credit counseling versus debt settlement - Decide which alternative is the best option for you.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit Federal - Good or bad credit personal loan and credit card resource.

Credit Federal - about us - Information about the CreditFederal.com website.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Credit report errors - How to correct credit report errors yourself.

Debit card - Virtual debit card offers online privacy so you can shop anonymously.

Debt consolidation loan - Payoff bills with a debt consolidation loan.

Debt counseling - Lower monthly bill payments or reduce principal altogether.

Debt negotiation - Chargeoff debt; reduce principal owed.

Debt negotiation sample letter - Do It Yourself debt settlement.

Discount card - Enjoy discount card rewards. These credit cards offer purchase discounts that can help you save money when shopping.

Discover credit card - Review and apply online for a Discover card.

Disney credit card - Special entertainment and travel cards.

Emergency loan - Emergency cash to pay bills, get your car repaired, or for any reason.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Fix credit report - How to fix credit report errors yourself or to get help.

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free credit report - Get a free credit report copy online.

Free debt settlement - Do It Yourself debt settlement to negotiate lower bills.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

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Free online tax return filing - Qualify for free tax return filing.

Gas card - Apply for a gas rebate card.

Get out of debt - Ways to get out of debt, either Do It Yourself or with a Company.

Gold American Express - Browse for any current American Express gold card offers.

Gold credit card - Browse for gold credit card offers by each major credit card company.

Gold Discover Card - Browse for any current Discover gold card offers.

Gold MasterCard - Browse for all MasterCard gold card offers.

Gold Visa Card - Browse for all Visa gold card offers.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Guaranteed credit card - No credit check credit card for people with bad credit.

Guaranteed loan - Instant personal loan approval with no cosigner and no credit check.

Guaranteed platinum credit card - Start shopping with no credit report check.

High risk loan - Unsecured loan for bad credit people with no credit turndowns.

Home equity loan - Refinance your first mortgage and take cash out at closing.

Home loan lenders - Get multiple home loan quotes with just one application.

Home remodeling loan - Use your home's equity to finance a remodeling project and increase home value.

Household personal budget - Create a budget to save money and cut expenses.

Improve credit score - Get a higher credit report score for better loans, cards and interest rates.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

Joint auto loan - How spouse credit affects joint auto loans, and the impact of divorce.

Joint credit card - How spouse credit affects joint credit cards, and the impact of divorce.

Joint credit card debt - Which spouse pays the bills (loans and credit cards) after divorce.

Joint mortgage loan - How spouse credit affects joint mortgages, and the impact of divorce.

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Loan to pay bills - Get a no hassle loan to make your bill payments on time.

Loans for unemployed people - Options for jobless people to get money.

Long term unsecured loan - About long term unsecured loans.

MasterCard Credit Card - Review and apply online for a MasterCard card.

Mortgage calculator - Calculate monthly payments and interest.

Mortgage refinance loan - For a home equity line of credit, you may want to think about a traditional second mortgage loan.

Mortgage refinancing - Read the benefits of mortgage refinancing.

Mortgage refinancing calculator - Calculate your new mortgage payments.

Negotiate debt settlement - Settle debt yourself with your loan and/or credit card company.

No collateral business loan - Quick cash for small businesses.

No credit - Options for people with no credit history.

No credit check loan - How to get an unsecured loan with no credit check.

No deposit credit card - Get a credit card with no deposit requirement.

No deposit home loan - Apply for a no deposit, no down payment home loan.

Nonhomeowner debt consolidation loan - Options for nonhomeowners to pay off debt.

Nonprofit credit counseling - What to look for when choosing a credit counseling company.

Nonprofit debt consolidation - Advantages of debt consolidation.

No obligation credit - Get free credit offers for you to consider.

Offers - American Express - Search American Express card applications.

Offers - business cards - Search business credit card applications.

Offers - Chase - Search Chase card applications.

Offers - credit cards - Search all credit card applications.

Offers - Discover - Search Discover card applications.

Offers - Mastercard - Search Mastercard applications.

Offers - Rewards - Search reward card applicatons.

Offers - Secured/Prepaid - Search secured/prepaid card applications.

Offers - Student - Search student card applications.

Offers - Visa - Search Visa applications.

Payday advance - What is a payday advance and its conveniences.

Payday advance loans - Benefits of a payday advance loan and common uses.

Payday loan interest - Payday loans charge a fee instead of an interest rate.

Payoff balance - Tips to payoff balance of credit card debt and how to avoid the debt trap.

Pay off debt - Loan options and tips to pay off debt.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Personal loan application - Submit an online application for a personal loan.

Plan retirement - Prepare for retirement with our tips.

Platinum American Express Card - Review any current Platinum cards offered by American Express.

Platinum Chase Credit Card - Review any current Platinum cards offered by Chase.

Platinum credit card - Review any current Platinum cards offered by major credit card companies.

Platinum Discover Card - Review any current Platinum cards offered by Discover.

Platinum MasterCard Card - Review any current Platinum cards offered by MasterCard.

Platinum Visa Card - Review any current Platinum cards offered by Visa.

Popular credit cards - Browse the best credit card offers, according to other CreditFederal.com visitors.

Pre-approved credit card - Learn what is; and get accepted for, a pre-approved credit card offer.

Pre-approved loan - Typical pre-approved loan choices.

Pre-paid visa - Avoid overspending by getting a prepaid Visa card.

Prepay credit card - Menu of prepay cards by major credit companies.

Privacy policy - CreditFederal.com privacy policy.

Question and advice - Free online help, just submit your question and get an answer.

Reduce bills free - Tips on how to reduce your expenses to lower bills.

Reminders to pay bills - Free reminders so you pay bills on time.

Repay payday loan - Strategy to repay a payday loan.

Report credit fraud - How to report credit-related fraud.

Reverse mortgage - Information about the benefits of a reverse mortgage.

Rewards 660 - The Rewards660 card for people with credit problems.

Rewards credit card - Browse credit card rewards for people with good credit.

Savings calculator - Calculate savings (interest) with this simple tool.

Sears card - Get a retail store (charge) card.

Secured credit card - Control your spending habits with a secured card.

Secured and unsecured loan - Conventional loans explained and online applications.

Short term loan - Get a loan to meet an emergency situation.

Stop credit card mail - Stop getting credit card offers in the mail.

Student credit card - Apply for a student credit card.

Track expenses - Free software to track where you spend your money most.

Travel credit card - Get the perks and rewards you deserve to stretch your personal vacation and business travel dollars.

Unsecured cash loan - Get the loan you need to take care of unexpected bills.

Unsecured credit card - Browse the many choices and apply online.

Unsecured debt - What qualifies as unsecured debt.

Unsecured debt consolidation - Combine bills into one low monthly payment.

Unsecured debt consolidation loan - Get a loan to payoff high interest debt.

Unsecured personal loan - Your high risk loan solution for bad credit people.

Unsecured platinum credit card - Two main types of unsecured platinum cards.

Used auto loan - Apply for a used auto loan quote.

Visa credit card - Get a Visa credit card, either secured or unsecured.

Wal Mart card - Get your retail shopping card or a gift card for a friend.



New Credit Card Statement Disclosures - Before you wonder if your credit card debt had vastly multiplied since your previous statement, remember that new Credit CARD Act requires additional information, such as a payout forecast that shows how much interest you'll pay and how long it will take to get out of debt by making the minimum payments.

 

Although these new figures may be scary, overall not much has changed with your account. Basically, the interest costs over the long term are being revealed to you each month. One thing is nearly certain; by making cardholders aware of interest costs and length of time to become debt free with only minimum payments, cardholders may be more conservative with charges.

 

The new statements also offer ways to get debt help, including a toll free phone number consumers can call for information on credit counseling. Since Feb. 22, when major provisions of the Credit CARD Act and the new statements went into effect, credit counselors have seen a definite shift in consumer behavior as more people have called counseling agencies.

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Legitimate Debt Settlement Company - According to the Federal Trade Commission, a legit debt settlement agency is one that: