“Cosign” means to accept the responsibility for a loan or free credit report online no credit card to repay if the one who is taking out the loan or credit card defaults on the loan. There are times when a friend or family member will ask for permission to have you cosign with them to get a loan for a car or house or any other item that they don’t qualify for unless you also sign on the loan. It is important to know that you will be responsible for the loan if your friend or family member fails to make the payments or stops paying all together. It would be important to let the loan company know where you are so they can let you know when the friend or family member has defaulted on the loan. You also need to know that if the loan is defaulted on, your credit has already been hurt by lates, multiple lates, and or even a collection on the account. Be sure the friend or family member agrees to let you know if they are struggling to make the payments… at the very beginning of the problem, not the end.

You have no goal- A true goal is more than a mere wish. Sometimes people mistake the two. A wish requires no effort and it does not matter if you are physically able to make the wish come true or not. A wish is something that is simply nice to have. A iep goals data collection on the other hand is something that is challenging yet doable. It is something that you have to have. It compels you to pay the price in order to successfully achieve it. Be sure you have a true goal and not a wish. If you simply have a wish you don’t really have a goal.

You have no plan- Without a plan you stand to lose focus easily. You also set yourself up for unnecessary frustration and disappointment. When you create a plan you establish a predetermined track that you can follow. As your journey towards goal attainment becomes challenging it is much easier to keep pressing on if you have a plan to rely on.

You have not worked- If you do not put the work in you are disillusioned to believe that you will ever hit your goal. You will not. You must put the necessary work into making your goal accomplishment a reality. To wait for your situation to get better before you start only postpones your chances for success. Once you have the goal established and the plan formulated it is time to act. Take massive action towards hitting your goal. Develop consistent work habits and you will put yourself in the drivers seat rather than remaining at the mercy of fate.

What can you do? Right now take a moment and ask yourself do you have a goal? A plan? Are you working? If you do congratulations! You’re on your way to success. If you don’t have one or all of these three don’t despair. Start today set yourself some goals you?d like to achieve this month and this year. Don’t overdo it if you’re just starting out, just put in writing what you’d like to achieve.

Then make a plan but put it in writing. What will you do? How will you do it? When will you do it? And don’t forget maybe the most important question of all why are you doing it? Your plan should be as detailed as you can get. We have numerous sources in our training areas as well as support from a Director if need be to help you here.

The working thing is where I believe most drop the ball. You can plan and set your goals to shoot for the moon but it is for nothing if you don’t cause some action. Massive action is what propels people to success the fastest. Massive action allows you to capitalize on opportunities that you would see otherwise. Massive action is what every successful sales person, business person and entrepreneur take to become successful.

Be Bold!

Herschel

New loans are a great way to establish credit when they are used correctly. However, when a new loan has a late on it, you will have several different problems associated with it. First of all, what are you doing with a new loan and then having a late?  Don’t, it costs you a ton of points.  Here’s why… It’s new (1), it has no history (2), it has a balance (3), it has a late (4), and you had an inquiry to get the new loan (5).

The solution is to not have a new loan with a late attached to it. It shows that you can’t control your finances and so it will hit you harder than if you had a late on an old established account.  It’s just good practice to always pay your bills on time as suggested in Secret # 1.  But now that you have a late on that new account, it’s best to delete the account or get the late repaired.  Refer to the Credit Repair Tip section to see what needs to be done to get negative items removed from your credit report.

Although credit card fraud is certainly on the rise — and credit card fraud on the Internet is rising even more dramatically — many savvy Internet shoppers know that the reality is that it’s actually much safer to enter your credit card number generator on a secure online order form than it is to give your credit card to a waiter at a restaurant.

After all, what’s to stop the waiter from writing down your credit card number and placing orders on the phone with it later?

And research shows that the rate of fraudulent purchases made by cell phones is much higher than credit card fraud on the Net.

Nevertheless, we encourage you to take precautions when giving out any confidential information (including your credit card number) over the Internet, over the phone… or anywhere else for that matter!

Always use common sense — it is the best rule of thumb.

Nonetheless, we’ve created 21 tips to protect yourself from credit card fraud — which you’ll find below.

Internet ScamBusters’ 21 Credit Card Fraud Prevention Tips:

1. Keep an eye on your credit card every time you use it, and make sure you get it back as quickly as possible. Try not to let your credit card out of your sight whenever possible.

2. Be very careful to whom you give your credit card. Don’t give out your account number over the phone unless you initiate the call and you know the company is reputable. Never give your credit card info out when you receive a phone call. (For example, if you’re told there has been a ‘computer problem’ and the caller needs you to verify information.) Legitimate companies don’t call you to ask for a credit card number over the phone.

3. Never respond to emails that request you provide your credit card info via email — and don’t ever respond to emails that ask you to go to a website to verify personal (and credit card) information. These are called ‘phishing’ scams.

4. Never provide your credit card information on a website that is not a secure site.

5. Sign your credit cards as soon as you receive them.

6. Shred all credit card applications you receive.

7. Don’t write your PIN number on your credit card — or have it anywhere near your credit card (in the event that your wallet gets stolen).

8. Never leave your credit cards or receipts lying around.

9. Shield your credit card number so that others around you can’t copy it or capture it on a cell phone or other camera.

10. Keep a list in a secure place with all of your account numbers and expiration dates, as well as the phone number and address of each bank that has issued you a credit card. Keep this list updated each time you get a new credit card.

11. Only carry around credit cards that you absolutely need. Don’t carry around extra credit cards that you rarely use.

12. Open credit card bills promptly and make sure there are no bogus charges. Treat your credit card bill like your checking account — reconcile it monthly. Save your receipts so you can compare them with your monthly bills.

13. If you find any charges that you don’t have a receipt for — or that you don’t recognize — report these charges promptly (and in writing) to the credit card issuer.

14. Always void and destroy incorrect receipts.

15. Shred anything with your credit card number written on it.

16. Never sign a blank credit card receipt. Carefully draw a line through blank portions of the receipt where additional charges could be fraudulently added.

17. Carbon paper is rarely used these days, but if there is a carbon that is used in a credit card transaction, destroy it immediately.

18. Never write your credit card account number in a public place (such as on a postcard or so that it shows through the envelope payment window).

19. Ideally, it’s a good idea to carry your credit cards separately from your wallet — perhaps in a zippered compartment or a small pouch.

20. Never lend a credit card to anyone else.

21. If you move, notify your credit card issuers in advance of your change of address.

If you suspect credit card fraud:

If your credit cards are lost or stolen, contact the issuer(s) immediately.

Most credit card companies have toll-free numbers and 24-hour service to deal with these emergencies — they are eager to avoid credit card fraud.

According to US law, once you have reported the loss or theft of your credit card, you have no more responsibility for unauthorized charges. Further, your maximum liability under federal US law is $50 per credit card — and many credit card issuers will even waive that fee for good customers.

If you follow all these tips, it will go a long way in protecting you from credit card fraud.

Be Bold!

Herschel