Important Steps you can Take to Protect your Wi-Fi Privacy

06 May 2011 | by Mildred Matthews | No Comments »

Many of us know we have to protect our privacy when using a public Wi-Fi network, but did you also know that you could be vulnerable when it comes to your home Wi-Fi Internet service? The truth is that others can piggyback and gain access to your home Wi-Fi connection, thereby putting your privacy in danger.

Although most individuals who use your Wi-Fi network will use it simply for their own purposes, the fact of the matter is that there are individuals who can gain access to your personal information, such as your credit card information, through your Wi-Fi network. It is therefore very important to protect yourself on your personal Wi-Fi network.

Do you know how to protect your home Internet security so that your computer and your computer activity are protected?

  • The first step when protecting yourself and your Internet safety (including credit card transactions on your computer) is setting up a password on your network.

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Tags: Privacy

Why a Gulf Oil credit card account is bad for rewards

04 May 2011 | by Porfirio Hillman | No Comments »

With the price of oil at such stratospheric levels lately, even people that hate credit cards are considering them, merely for the gas rewards. So how does the iconic Gulf Oil stack up to the competition? These are the different accounts they offer:

Gulf Card – This is a no frill standard-issue gas station card. It can be used at Gulf stations and that’s it. There are no rewards offered. On the website they advertise this one as “a great way to build your credit” and I would agree – when you have bad credit, you have to take what you can get! But anyone else would be foolish to apply for it since it doesn’t offer any perks.

Gulf Fleet Card – These are for businesses that buy a LOT of fuel! The basic version is free but the “commercial” and “universal” versions charge a monthly fee of $1 or $2 per card. Now you can get a gas

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How do student loans impact my credit reports and scores?

02 May 2011 | by Billy Miller | No Comments »

Some people have not taken their student loan obligations seriously and are now paying the price for NOT paying the price. Under most conditions student loans are not forgiven and can’t be included in a bankruptcy.  They can also hang out on credit reports much longer than normal defaulted debt.

How are student loans considered in my credit score?

Student loans are considered an installment loan, which is the same category that includes mortgages and auto loans.  If the loan is deferred, it is still reported on your credit report and is classified as “deferred student loan”, which is considered in your credit scores.  There is no credit limit reported on a student loan. If you d

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You Don’t Have to become the Next Identity Theft Victim

01 May 2011 | by Mildred Matthews | No Comments »

Identity theft has grown by leaps and bounds on a national and international level over the last, few years and, by the looks of it, 2011 may be just as challenging for individuals trying to protect their identity and their credit.

You don’t need to stand idly and helplessly by, however, as there are a number of things you can do to reduce the likelihood that 2011 will be the year your identity is stolen and your credit is ruined. Here’s what to do:

  • One of the most common types of scams involves “phishing,” which is essentially thieves who fish for your confidential, personal information and credit card account information. Phishing works when a thief sends an email to you that appears to be an email from your credit card company or bank. These p

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