Posts tagged ‘Bank’

Keep Your Safeguard Against Bank Identity Theft Solid

The internet has revolutionized the world and the way we do business. Even with all the great things which the internet offers us it is not perfect. There are dangers involved with using the world wide web and one of the most prevalent is bank identity theft. No one is safe from it and that is why you most make an active effort to protect yourself and your loved ones from this world wide problem.

This is a problem that affects everyone globally but just in the United States identity thieves steal more than $ 52 billion a year. These criminals are not just stealing from the rich and powerful but are stealing from everyday people who have been less than careful with their sensitive information. No one is safe from this digital crime spree.

One of the most traditional ways to protect your identity is to shred all the documents which may be used to identify you. This includes credit car statements, bank deposit receipts and other sensitive documents which you would not want falling into the wrong hands. This safeguard alone can go a long ways in protecting your assests.

When you shop online, use only web sites which are safe and secure. You will be able to tell if a web site is secure because a little lock will appear in your URL bar or in one of the corners of the screen. Give yourself the peace of mind which comes with knowing you are doing business online safely.

Always make sure that your anti-virus and and anti-spyware are up to date and are working properly. Computer viruses can creep into your computer and access your personal information. These horrid and unfortunate things can scan your entire computer and then post all of the information found within on the internet.

Another effective thing to do is to talk to your financial institution or credit union about what protection options are available as a service to you. Most of these institutions are actively fighting against bank identity theft. If you are vigilant in keeping yourself protected and if you follow these steps and many more like them, you will minimize your risk of identity theft.

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Financial Identity Theft Bank of America $35,000 Savings Account Stolen

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Financial Loans For Bad Credit No Bank Account-To Increase Your Credit Score

for an advance to guide your financial requirements? If yes, then submit an application for Loans For Bad Credit No banking account. It is an advance that’ll give you support in any kind of fiscal requirements. This advance is very easily provided to people that have an awful fiscal standing. They will certainly in addition help to increase your credit score. They’re wanted to you even if you never preserve a legitimate bank-account.

Loans For Bad Credit No Bank Account makes it possible to get resources through the traditional plus through web mode. The offline mode includes lengthy treatments and it is wastage of time. When you look at the web mode, you don’t have to undergo any lengthy processes. Hence, it is far better to put on online. Into the on the web mode, you merely need to find a suitable loan provider and then make an appeal. The lending company will verify the details you offer then will approve your demand. Then, after it is sanctioned, extent may be deposited within account. These services which is often availed by you are in the unsecured type.

Loans For Bad Credit No Bank Account is advance that could be obtained by you are available in the number of £1000 to £25000. Extent must be settled in half a year to ten years. They’ve been provided to you despite of one’s financial history. Even if you would not have a bank account, then also you are eligible to get this service. The quantity exists for you into the unsecured type where you do not have to place safety.

Should you want to get financial loans For Bad Credit No Bank Account, you need to match the qualifications circumstances. The circumstances tend to be you’ll want to be much more than 18, you need to be a UK resident therefore should be regularly employed. The total amount you get in this advance can help you match the numerous requirements punctually. These needs feature purchasing household or car, educational needs like tuition costs, university charges, taking place a vacation journey, for deciding numerous pending costs, for consolidating debts, for all domestic needs and so on.

Since they are available in the unsecured type, renters, having to pay guests, non homeowners can certainly gain resources inside advance. Even home owners who do not need to risk their house can choose for it. Financial loans For Bad Credit No bank-account includes a high interest as a result of threat that your loan provider faces. The amount has to be satisfied punctually otherwise you’ll have to pay large good.

Morf Media, Inc., Banner Bank and the Oregon Association of Realtors Host TRID Compliance Training in Eugene

Eugene, OR (PRWEB) April 28, 2015

Morf Media Inc., leader in enterprise compliance training for the mobile workforce, Banner Bank and the Oregon Association of Realtors have teamed up to sponsor TILA-RESPA (TRID) training in Eugene. The training helps mortgage lenders and real estate agents prepare for new processes, deadlines and archiving rules associated with the upcoming integrated disclosure rule to take effect on August 1, 2015. Register for the sessions here.

“Don’t wait for the August 1 deadline to learn how to train and educate your real estate industry partners on TRID,” said Ginger Bell, education specialist and SVP Learning at Morf Media, Inc. “We are showing mortgage originators and their real-estate partners how they can turn compliance training into expertise that benefits their business and helps everyone in the industry manage through change in a more effective way.”

TRID consolidates four existing disclosures for closed-end credit transactions secured by real property. The forms being replaced by TRID are:

    Good Faith Estimate (GFE)
    Initial Truth-in-Lending Disclosure
    HUD-1 Settlement Statement
    Final Truth-in-Lending Disclosure

In their place, TRID mandates the use of two disclosures: a three-page loan estimate and a five-page closing disclosure. The free Train-the-Trainer events will provide a step-by-step approach to help trainers and company managers know about the mandated changes while ensuring their loan origination software is up-to-date.

For industry professionals who cannot attend the event, training is available in its entirety online via Morf Learning, award-winning enterprise training platform for mobiles. Morf Learning is optimized to make enterprise compliance training effective for professionals on the go. It includes a library of certified course content that is delivered in an innovative way to delight and engage employees, partners and administrators with its playbooks for compliance success. It offers powerful analytics engines that show an individual’s progress, strengths and areas needed for improvement, proof of examination for audits and more.

For more information about piloting Morf Learning, please visit Morf Media invites industry training experts to contact us to learn more about the benefits of delivering enterprise training with Morf Learning/

About Morf Media, Inc.

Morf Media, Inc., developer of Morf Learning,™ mobile platform as a service, simplifies enterprise compliance training for companies and the mobile workforce in highly regulated industries. Founded in 2013 by a seasoned management team with expertise in developing start ups, Morf Learning is in pilot with more than 100 companies and content expert partners in the financial services and life sciences industries. Morf Learning streamlines the processes for authoring and deploying certified compliance content, enhances the user experience with Morf Playbooks–three minute courses with gamification and smart analytics and offers centralized reporting for managing governance, regulatory and compliance training on a sustained basis.

For more information about Morf Media, please visit:

For crowdfunding information about Morf Media, please visit Angel List, Gust or Equitynet.


Heidi Wieland

Vice President Marketing of Morf Media, Inc. USA



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NFCC? Provides Ten Reasons Bank Card Programs Are Declined

Washington, DC (PRWEB) August 25, 2014

folks apply for credit cards for several various reasons. Some are new to the field of credit and simply starting, while some tend to be hoping to expand their access to credit. Regardless of explanation, no-one applies for a card wishing their application will likely to be refused. To enhance the possibilities of endorsement, customers need to understand the credit decisioning process.

“Each lender has various requirements for expanding credit. For that reason, customers have to do their particular analysis in advance, and only submit an application for the cards which can be expected to give the credit they look for,” stated Gail Cunningham, spokesperson the National Foundation for Credit Counseling®.

The NFCC gives the after 10 explanations credit cards application could possibly be declined, combined with steps consumers may take to fix the issue. Record just isn’t comprehensive, but will help consumers better comprehend the review process and how to position themselves to boost the chances of credit becoming extended.

Insufficient existing credit – loan providers favor to be able to review a track record of exactly how one has managed credit in past times. A thin or nonexistent credit report can give a conservative lender reason to deny.
What you should do – Judiciously build credit, perhaps beginning with a secured bank card, but verify in advance that the issuer states task towards the credit agencies. In addition consider becoming an authorized individual on another person’s card, once the task for the main cardholder as well as the authorized individual is reported towards bureaus.
Poor pay record – the best weighted element in the rating design is just how one repays his or her debt obligations. A history of skipped or belated repayments could be a knock-out punch when attempting to get new credit.
What to do – determine any issues by getting the credit file 100% free at Next, start making repayments on all reports including the ones that are past-due. This starts creating a confident record and helps to establish creditworthiness.
Current credit lines maxed down – Creditors don’t like to see that a person is using all their readily available credit, since this can signal that they are living on credit and starting a range is only going to increase existing indebtedness.
What direction to go – reduce personal credit card debt to equal no more than 30 percent of offered credit. Credit application is the second highest weighted part of the rating design, so lowering debt may possibly also benefit the credit score.
General financial obligation is simply too large – A person’s debt-to-income ratio is an expression of exactly how much is owed in accordance with their particular income. Folks have expenditures beyond credit cards, thus loan providers take all existing obligations under consideration.
What direction to go – Boost earnings or reduce financial obligation. The biggest thing should not appear that more is owed than can be responsibly handled.
Too many queries – It’s a red-flag if somebody is trying to acquire an excessive amount of credit at some point. A lot of inquiries or recently exposed accounts will make a lender unwilling to provide the individual another opportunity to spend.
How to proceed – Only make an application for how many cards that are essential and are usually right for debt scenario. If declined, try not to continue applying. Alternatively, make a plan to treat the cause of the getting rejected. Wait a couple of months to re-apply, as that provide the credit history time for you to upgrade.
Really serious negative notations – delinquent taxation liens and part 7 bankruptcy can remain on a credit file for up to ten years. Foreclosure, late and missed payments, collection accounts and section 13 bankruptcy can remain for seven many years.
What you should do – The further you moves away from the date associated with the unfavorable activity, the less influence this has on credit choices. Someone does not must wait until the experience rotates off the credit report, but putting length amongst the harmful information and applying for brand-new credit is helpful.
Inadequate earnings – Although usually perhaps not made community, issuers have actually minimum earnings restrictions that must definitely be fulfilled in order to give credit.
How to handle it – Research which cards are more inclined to give credit to people who have reduced incomes. In lack of various other eliminating elements, getting a part-time work to supplement the principal income source should improve the likelihood of credit being extended.
Volatile task history – Recent jobless or constant job hopping shows a volatile earnings, hence placing an individual at risk of default within the lender’s eyes.
How to handle it – Make steady work a priority. Switching tasks within the same field may well not weigh because greatly against one, especially if it is a promotion.
Too young to use – individuals needs to be no less than 18-years-old to apply for credit cards.
What to do – because of the Credit Card Accountability, obligation, and Disclosure Act, Us citizens must certanly be 21-years-of-age to by themselves receive credit unless they can show capability to pay or have a co-signer. It isn’t a bad idea for a new person to learn to handle cash by living on a cash foundation or using a debit card before you apply for credit.
Mistakes on the application – Credit card programs is long, making it an easy task to accidentally skip finishing all areas.
What you should do – eliminate accidental mistakes by completing the applying on the web, as these types usually don’t allow a person to distribute until all needed fields tend to be full.
“When trying to get credit, consider in the event that you would loan cash to you personally,” carried on Cunningham. “If the answer is ‘no,’ then it’s likely the financial institution won’t either. That’s the signal it’s time and energy to take action and boost your credit profile. Creditors desire to extend credit, but simply to those who represent a reduced danger for default as defined by their particular business structure.”

If denied credit due to information included in the credit report, the Fair Credit Reporting Act needs loan providers to send the candidate a detrimental action notification which includes the reason behind the denial. To stay a much better position for approval next time, review the causes the rejection and take the essential corrective tips.

For assistance comprehending the credit granting process and mastering simple tips to increase credit picture, contact an NFCC member agency. Inquire about the NFCC’s Sharpen debt Focus™ system that provides answers to numerous each day financial issues. Is instantly attached to the agency closest for your requirements, dial (800) 388-2227, or get a hold of a company on the web by going to


The National Foundation for Credit Counseling (NFCC), founded in 1951, could be the nation’s largest and longest-serving national nonprofit economic guidance organization. The NFCC’s mission should promote the national schedule for economically accountable behavior, and build capacity for its people to produce the highest-quality economic knowledge and counseling solutions. NFCC members yearly help scores of customers through more than 600 community-based offices nationwide. For free and inexpensive private advice through an established NFCC user, call (800) 388-2227, (en Español (800) 682-9832) or see Visit us on Facebook:, on Twitter:, on YouTube: and our weblog:

Bank of America: What’s the difference between a credit report along with a credit score?

Your credit score plus credit report are linked together however, represent 2 different views of the credit history. This movie can explain those variations plus… So you are asking oneself, “How does credit reporting function?” To enable we greater recognize how, TransUnion—The Source has rel…

How Can I Know Which of My Credit Scores Will Be Used by the Bank When I Apply For a Loan?

There is only one way you can find out which of your scores will be used when you seek the help of a financial institution in making a purchase. And that is by getting a copy of your report from the reporting agencies. Experian, Transunion, and Equifax are the three major reporting bureaus that keep records of consumers’ performances which the financial institutions use as a criterion for determining whom they will give financial aid to and how much they will charge on loans that they approve.

When you get your report, you will find that each of the three bureaus have a score which they have arrived at based on the information they get from your financial and transactional activities. However, since the three bureaus each have individual formulas they use in-house to calculate your performance, and the fact that not all creditors report to the three of them, you are likely to find that the three results are not exactly the same, even though they belong to you.

Let us assume, for the purpose of understanding which of your scores will be used, that your Experian=590, Transunion=613, and Equifax=604. In this exampled case, which is the way banks and other financial institutions determine which result to use, the highest and lowest scores will not be used. It is the middle figure, which is 604 calculated by Equifax will be used to make the decision.

But since this is a low figure, you need to take steps to add more points to your file and thus build a good rating that will get the consent of creditors when you seek a loan. To do this, you can either learn the methods and steps that will turn the situation around for you. Or you can choose to employ the services of a professional credit repair agency to do the job for you.

Central Bank Licences Second Credit Bureau

Central Bank Licences Second Credit Bureau
THE Bank of Tanzania (BoT) has licenced the second firm– Dun & Bradstreet Credit Bureau Tanzania Limited–raising hopes of curbing the high rate of loan defaults in the country. The receipt of the licence by the Dun & Bradstreet confirmed empowers the …

This Week In Credit Card News: Government Monitoring Credit Card Data
Consumer Financial Protection Bureau officials are seeking to monitor four out of every five U.S. consumer credit card transactions this year–up to 42 billion transactions–through a controversial data-mining program, according to documents obtained by …
Read more on Forbes

Karnataka Bank to focus on credit monitoring

Karnataka Bank to focus on credit monitoring
The Managing Director of Karnataka Bank has urged his regional heads to focus on qualitative growth through effective credit monitoring. Addressing the review conference of regional heads of the bank here on Saturday, P. Jayarama Bhat, Managing …
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PolitiFact: Duffy's claims on financial monitoring are half true
The article said the bureau was paying the Experian credit-monitoring company up to $ 8.4 million to provide data on 5 million to 10 million consumers. The bureau was also buying auto loan information from the company and payday loan data from another …