Personal Credit Protection

Business identity thieves often use the identity information (and credit) of the business owner or company officers to open new accounts, or as guarantors of fraudulent loans and lines of credit. In addition to taking actions to protect your business, it is also important to protect yourself as well. This section provides detailed explanations of seven important consumer credit protection tools that are available to help protect your personal credit from identity thieves.

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GREEN BAY, Wis. (WBAY) - It’s National Consumer Protection Week. This week's Target 2 Consumer Alert has new information about identity theft reaching epidemic levels and an online shopping scam meaning your information may be at risk. Consider this: Identity theft is at an all-time high. Remember the Equifax hack last fall, The Credit Monitoring Company said 145 million Americans had their social security numbers impacted. Also, the report says online shopping is the biggest gateway to fraud as hackers are using stolen credit card numbers.

Here's a new scam that could have packages piling up at your door that you're not ordering or paying for. The Identity Theft Resource Center calls it "brushing". Third party sellers on Amazon are buying their own products, but using people's names and addresses, to send packages looking like independent customers, and leave glowing five-star reviews. It's a way around violating Amazon's terms for reviewing their own products.

You might think you're just getting something for free, but they could potentially have more than just your name and address. 1. Turn on two-factor authentication whenever possible. 2. Shop on secure sights - avoid public Wi-Fi. 3. Sign up for account alerts on your banking and credit cards, to get immediate notification of transactions.

If you are looking for a credit card company to give your business to, but are unsure of which one to choose, then you may want to consider Chase. They are known for being one of the best credit cards around. They make applying for one of their cards very simple and there are no hidden charges. When you sign up, they will give you all of the information about any charges that they may charge you.

They do not have annual fees and offer a 0% interest introductory rate. Also, Chase offers fraud protection, which is a very important thing to have these days. It is so easy to apply for a Chase credit card. Applying on their website is simple, too. Their website is also a great place to learn more about their credit cards including the interest rates and pictures of each kind of card.

You can also pay your credit card bill online. This is a fast and secure way for you to pay your credit card bill. If you do not have a Chase credit card, but have heard great things about the company, you can sign-up on their website. If you fill out the form correctly, then you could be a Chase member in just a few days.

Chase offers individual accounts and small business accounts. This is great for those of you who are looking for a credit card to start your small business. Chase credit cards are accepted all over the world, so you do not have to worry about being able to use it on a trip abroad. Chase also gives their customers air miles for every dollar, so you may be able to take a vacation much cheaper than you think.

Recently, Chase has went through some bad press - mainly aimed at their customer service practices, but they have made strides to make their customer service better and to lower their interest rates. If you are looking for a credit card with a proven track record, then you will want to consider Chase.

700 million in penalties for deceiving consumers when it came to debt protection and credit monitoring services they didn’t need or didn’t know they were paying for. The bank misled consumers into purchasing the protections when they signed up for credit cards or called to cancel other services, the Consumer Financial Protection Bureau said Tuesday when it announced the penalties.

Citi will send refunds to 8.8 million customers who unknowingly signed up for services or who paid for protections they never, or only partly, received. 70 million to the CFPB and the Office of the Comptroller of the Currency. “We continue to uncover illegal credit card add-on practices that are costing unknowing consumers millions of dollars,” Richard Cordray, director of the CFPB, said in a statement.

From 2003 to 2012, Citibank marketed and sold services to customers that promised to cancel payments or push back due dates if customers lost their jobs, became disabled or faced other financial challenges. Other products offered credit monitoring and identity protection services. The bureau also found that Citi often deceived customers about what they were signing up for or made it easier for them to purchase protections without knowing it.