Avoiding Identity Theft

Identity theft is a huge problem worldwide. It is not limited to adults; children can also have their identities stolen. It’s much harder to catch someone using a kid’s identity, since the child is under the age of 18.

Every landlord-tenant relationship must begin with the same thing: a thorough application. Get a form application online, at Office Depot, or from your nearby landlord association. Just make sure that the application asks for the applicant’s full name, driver’s license number, social security number, and the last five years of home addresses. Most importantly, verify the information. Make the tenant show you his driver’s license and social security card replacement. This information will also help out collection efforts later should you wind up getting a money judgment against the tenant.

Look for “no fee” credit cards when you’re shopping around for the best deal. Why should you pay $25 or more each year for the privilege of carrying a lender’s card? That’s nonsense! They should be paying you! But since that will never happen, you’ll have to be content with a card that at least doesn’t charge you a fee for having it.

Seriously, though, a credit social security card replacement can be a valuable financial tool. It’s convenient to use, especially when ordering through the mail, or off the Internet, and it gives you the power to buy the things you want.

The WIC program is overseen by each individual state, so the guidelines vary slightly depending on where you live. I live in Tennessee and have received WIC off and on over the past five years. I live in Memphis and there are some things that you should know before going to the WIC offices in Memphis. Knowing these things can make your visit a lot more bearable.

Loan Documents – Shred after loan has been paid off. As a good practice you should keep the last statement showing the loan has been paid off and there is a 0 balance. You may need it later should the loan company try and say you never paid the loan (it is rare but it does happen).

If you have very good credit, don’t settle for less than you deserve. If you are paying more than 12 – 15% interest on your credit cards, then you’re paying too much. Think about it. With the prime interest rate at 9 or 10%, lenders that charge 18% or more interest per year on credit card balances have their hands on your checkbook! You should be able to obtain a credit card rate for between 10% and 12%.

Following these tips for going to the WIC office in Memphis, Tennessee will make you visit a little more bearable. You will get the help you need with less hassle and hopefully will have a pleasant experience.

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