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Mortgage Refinancing Help: Identity Theft

If you do not plan on staying in the house very long, refinancing may not be in your best interests.

 

 
           
Mortgage Refinancing Help : Society: Crime: Theft : Identity Theft (78)

 

 

 

Mortgage Refinancing TipHomeowners who want to refinance but can't because they owe more on their home than their home is worth (also known as "upside down") should focus their time and energy on making more money. Adding a part-time job or starting a side business will bring extra income into the household, income that can be used to make extra payments a mortgage.



Mortgage Refinancing Help: Identity Theft ()

See also:


 
General Knowledge about Identity Theft PreventionGeneral Knowledge about Identity Theft Prevention »
Do you want to avoid identity theft? Prepare yourself by learning about identity theft. Knowledge lets you fight agaist identity theft.
 
Smartmoney: Stop thiefSmartmoney: Stop thief »
Article by Aleksandra Todorova. Steps to restoring your good name after becoming a victim of identity theft.
 
National Conference of State Legislatures: Identity TheftNational Conference of State Legislatures: Identity Theft »
Features current statutes, pending legislation, and publications.
 
Texas Attorney General: Identity TheftTexas Attorney General: Identity Theft »
Prevention tips and victim information.
 
Identity Theft ResourcesIdentity Theft Resources »
Articles and related links on what to do if you are a victim of identity theft. From Privacy Rights Clearinghouse.
 
NPR : Tips on Avoiding Identity TheftNPR : Tips on Avoiding Identity Theft »
Michele Norris talks with Evan Hendricks, editor and publisher of Privacy Times and author of "Credit Scores and Credit Reports," about why people should be concerned about identity theft and what they can do to avoid it. [5:15 streaming audio broadcast] (February 16, 2005)
 
NPR : Tips to Avoid Internet Identity Theft, E-Mail ScamsNPR : Tips to Avoid Internet Identity Theft, E-Mail Scams »
Criminals around the world are discovering tools that let them spy on hundreds of thousands of people over the Internet, and they're stealing credit card numbers, bank account passwords, and other sensitive information. NPR's Chris Arnold reports. [5:20 streaming audio broadcast] (August 11, 2004)
 
NPR : Information Companies and Identity TheftNPR : Information Companies and Identity Theft »
Recent data theft from information companies prompted hearings on Capitol Hill. Gail Hillebrand of Consumers Union tells Jacki Lyden what sort of personal data information companies such as Choicepoint and Lexis/Nexis collect -- and how they use it. [3:15 streaming audio broadcast] (March 12, 2005)
 
Public Safety Canada: Special Report for Consumers on Identity TheftPublic Safety Canada: Special Report for Consumers on Identity Theft »
Tips and reports from Public Safety Canada.
 
Identity Theft Is A CrimeIdentity Theft Is A Crime »
Offered by the United States government, the site details the work of the President's ID Theft Task Force, victims' rights, and identifies what steps government agencies are taking to combat identity theft issues.
 
Identity Theft AnswersIdentity Theft Answers »
This site provides valuable information on identity theft including key facts, types of id theft being done today, ways to prevent from becoming a victim, and the different ways you can protect your identity.
 
Stopping Identity Theft: Protecting Your PrivacyStopping Identity Theft: Protecting Your Privacy »
Articles for consumers and businesses, from the Better Business Bureau.
 
RCMP Frauds and Scams: Identity TheftRCMP Frauds and Scams: Identity Theft »
Tips from the Royal Canadian Mounted Police.
 
Invasion of the ID SnatchersInvasion of the ID Snatchers »
Online booklet from the National Consumers League.
 
NPR : ID Thieves Target Children, InfantsNPR : ID Thieves Target Children, Infants »
Even the youngest among us can be victims of identity theft. Seattle Times reporter Jolayne Houtz explains how, and why. John Brooke, a Seattle-area man, describes how his newborn became a target. [2:44 streaming audio broadcast]
 
AJB Benefits, LLCAJB Benefits, LLC »
Information to educate the public on what Identity Theft is as well as how Identity Thefts are committed. Steps to take to protect your most valuable assets - Your Identity!
 
NPR : Safeguarding the Data Brokerage Industry, Part IINPR : Safeguarding the Data Brokerage Industry, Part II »
For a closer look at data brokers and what can be done to safeguard the industry from future fraud, NPR's Ed Gordon is joined by Robert O'Harrow Junior, a staff writer at The Washington Post and author of "No Place to Hide: Behind the Scenes of Our Emerging Surveillance Society," and Florida Sen. Bill Nelson (D), who has championed legislation that would give the Federal Trade Commission more oversight over the data brokerage industry. [7:55 streaming audio broadcast] (March 14, 2005)
 
Fraud Alert - TransUnionFraud Alert - TransUnion »
TransUnion - If you are concerned about becoming a victim of fraud or identity theft, or suspect that you might be, a Fraud Alert can make it more difficult for someone to get credit in your name.
 
Identity Theft and Identity FraudIdentity Theft and Identity Fraud »
Features programs, prevention, and remedial steps after the crime. From the United States Department of Justice.
 
14 Tips to Avoid Identity Theft14 Tips to Avoid Identity Theft »
Suggestions from Frank Abagnale on reducing one's risk of identity theft.
 
Utah: IRIS Identity Theft Information SystemUtah: IRIS Identity Theft Information System »
Office of the Utah State Attorney General provides information about identity theft and a reporting system for residents of Utah.
 
NPR : Identity Theft in the International ArenaNPR : Identity Theft in the International Arena »
NPR's Eric Weiner reports on European efforts to prevent the theft of sensitive personal data compiled by information collection companies. [4:33 streaming audio broadcast] (March 14, 2005)
 
Smartmoney.com: Consumer Action: Your SS Number Is Just a Click AwaySmartmoney.com: Consumer Action: Your SS Number Is Just a Click Away »
Long article expresses concerns that various county clerks are publishing their residents' personal documents online. Many examples of public figures' data that can be found are given. (March 03, 2005)
 
RFID Protect - information on protecting your identity from RFID theftRFID Protect - information on protecting your identity from RFID theft »
information on protecting your identity from RFID theft - RFID Protect supplies a range of sleeves, wallets, and ID card shields that are designed specifically to offer protection against unauthorised access to ‘contactless technology’.
 
Identity Theft: Fact and fictionIdentity Theft: Fact and fiction »
This article discusses the growth and impact of identity theft, and how society should respond to its challenges.
 
Stop ID Frauds & Identity TheftStop ID Frauds & Identity Theft »
UK specific tips and resources on how to prevent identity theft online, at home and when traveling.
 
IdentityTheft.infoIdentityTheft.info »
Offers news, articles and commentary from identity theft experts as well as tips and videos.
 
Identity Theft and Assumption Deterrence ActIdentity Theft and Assumption Deterrence Act »
Full text of the United States national identity theft law.
 
Utica College Center for Identity Management and Information ProtectionUtica College Center for Identity Management and Information Protection »
A research collaborative dedicated to furthering a national research agenda on identity management, information sharing, identity theft and data protection.
 
NPR : Senate Mulls Measures to Combat Identity TheftNPR : Senate Mulls Measures to Combat Identity Theft »
The Senate Banking Committee considers possible regulations to battle the growing problem of identity theft. The most recent Federal Trade Commission survey found that 10 million Americans were the victims of some type of identity theft in one year. [3:40 streaming audio broadcast] (March 11, 2005)
 
Identity Theft ProgramIdentity Theft Program »
At Michigan State University. Victim advocacy, investigations, research, partners with businesses to prevent identity theft inside.
 
NPR  Talk of the Nation: How to Avoid Identity TheftNPR Talk of the Nation: How to Avoid Identity Theft »
How to protect your identity. [37:28 streaming audio broadcast] (February 21, 2005)
 
NPR : Protecting Yourself Against Identity TheftNPR : Protecting Yourself Against Identity Theft »
NPR's Madeleine Brand speaks with Gail Hillebrand about identity theft protection. Hillebrand is senior attorney for the Consumers Union, an independent, nonprofit testing and information organization. [3:52 streaming audio broadcast] (February 22, 2005)
 
Identity Theft SecurityIdentity Theft Security »
Empowering consumers with tips, resources, and tools to prevent becoming victims of identity theft.
 
Federal Reserve Bank of Boston: Identity TheftFederal Reserve Bank of Boston: Identity Theft »
Brochure in html and pdf formats.
 
Social Security Administration: Identity TheftSocial Security Administration: Identity Theft »
Publication with tips and contact.
 
Internet Crime Complaint Center IC3Internet Crime Complaint Center IC3 »
A partnership between the FBI, the National White Collar Crime Center and the Bureau of Justice Assistance which acts to receive and investigate complaints of cyber crime and identity theft.
 
Federal Trade Commission: Identity TheftFederal Trade Commission: Identity Theft »
The U.S. government's central website for information about identity theft.
  • Identity Theft Resource Center - Features detailed guides for victims, current laws, media resources, and reference library.
  •  
    Identity Theft Victims tips and adviceIdentity Theft Victims tips and advice »
    Victim Lana Gautier on identity theft, its harm and how to protect yourself
     
    NPR : Safeguarding the Data Brokerage Industry, Part INPR : Safeguarding the Data Brokerage Industry, Part I »
    The data brokerage industry has come under intense scrutiny with the disclosure of two high-profile identity theft cases. NPR's Farai Chideya has a special report. [11:46 streaming audio broadcast] (March 14, 2005)
     
    California Office of Privacy ProtectionCalifornia Office of Privacy Protection »
    Consumer information from this California state government agency. Some information also in Spanish.
     
    Smartmoney: Your Social Security NumberSmartmoney: Your Social Security Number »
    Article by Aleksandra Todorova. "With Social Security-number (SSN)-only theft, oftentimes abusers have no intent of stealing anybody's good credit. They simply want the number so they can work and establish their own lines of credit — in their own name.
     
    NPR : ChoicePoint Security BreachNPR : ChoicePoint Security Breach »
    The consumer data company ChoicePoint says a security breach last week will affect more than 140,000 people in all 50 states. The company is sending notices to individuals whose personal and financial details were accessed by thieves posing as businessmen. [2:40 streaming audio broadcast] (February 21, 2005)
     
    The Privacy Commissioner of Canada: Identity TheftThe Privacy Commissioner of Canada: Identity Theft »
    Identifies the problem and offers tips on prevention and what to do if it occurs.
     
    NPR : Fighting Identity TheftNPR : Fighting Identity Theft »
    Beth Givens, director of the Privacy Rights Clearinghouse, discusses the recent spate of security breaches at consumer data banks. Computer hackers accessed consumer data at ChoicePoint and Lexis-Nexis. [4:20 streaming audio broadcast] (March 14, 2005)
     
    About.com: Identity TheftAbout.com: Identity Theft »
    Articles from several authors about identity theft related topics.
     
    California Department of Justice: Identity TheftCalifornia Department of Justice: Identity Theft »
    Features state laws, tips for victims, and ID theft registry for the state.
     
    PhoneBusters: Identity TheftPhoneBusters: Identity Theft »
    Includes victim information, a list of scams, statistics on the crime, and prevention tips.
     
    Call For Action: Identity TheftCall For Action: Identity Theft »
    Features warning signs, preventative measures, and victim information and resources.
     
    When a CriminalWhen a Criminal's Cover Is Your Identity »
    Tips for prevention of identity theft. From the FDIC.
  • Knowledge@Wharton - Identity Theft - Stopping identity theft is a very complicated proposition. Here are some steps that are probably required to positively impact the privacy of personal data. (April 01, 2005)
  •  
    Identity Theft: How to Protect YourselfIdentity Theft: How to Protect Yourself »
    Preventative tips, from the New York state attorney general's office.
     
    Federal Bureau of Investigations: Cyber InvestigationsFederal Bureau of Investigations: Cyber Investigations »
    FBI branch organized to dismantle national and transnational organized criminal enterprises engaging in Internet fraud including identity theft.
     
    NPR : Experts Urge Consumers to Act Against Identity TheftNPR : Experts Urge Consumers to Act Against Identity Theft »
    Georgia-based ChoicePoint Inc. is sending out letters to warn consumers their personal information has been stolen. But law enforcement officials say many more people need to be on guard for possible identity theft, after crooks got unauthorized access to information in ChoicePoint's databases. [3:37 streaming audio broadcast] (February 24, 2005)
     
    NPR : Congress Aims to Combat Identity TheftNPR : Congress Aims to Combat Identity Theft »
    In the wake of recent scandals involving data collection companies like ChoicePoint and LexisNexis, Congress has begun pushing for greater personal identity safeguards. [3:12 streaming audio broadcast] (March 14, 2005)
     
    Florida Department of Highway Safety and Motor VehiclesFlorida Department of Highway Safety and Motor Vehicles »
    Includes a video, forms, and resources for victims of the crime.

     


     
          


    Mortgage Refinancing TipRefinancing a mortgage means the owners are paying off their existing mortgage and replacing that mortgage with a new loan. Generally, the costs associated with mortgage refinancing are rolled into the loan, meaning they are added to the existing balance, increasing the loan amount.
     

    Mortgage Refinancing TipDon't rely on published rates. "No one's going to advertise their worst product," says Keith T. Gumbinger of HSH Associates, a Butler, NJ, firm that tracks mortgage rates. "They advertise the best possible rate, which probably gets offered to only the top 10 percent of applicants."
     

    Mortgage Refinancing TipStick with a simple loan. It is easier to understand and less likely to get you into trouble. Adjustable-rate mortgages may seem like a way to get a bigger house now or to keep more money now, but when the rates adjust you can get into trouble. Avoid anything with a balloon payment. Just choose a simple 30-year mortgage you can easily afford.
     

    Mortgage Refinancing TipThere are literally thousands of mortgage companies all over the country. It is important that you choose a reputable one. Most reputable companies will be part of the Better Business Bureau or other community watchdog group. Good companies will also have websites that rank well on search engines such as Yahoo and Google.
     

       

       


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