For more information on these scams, click here. They'll just tell you to place an ad like the one you responded to and get people to send you money to tell them to do the same thing. Envelope stuffing, home product assembly and mystery shopping promoters that advertise they'll get you opportunities for a small fee (in advance) are a SCAM.If it were so easy to make a lot of money working from home for only a few hours a week, wouldn't we all be doing it? Most government grants are awarded to states, cities, schools, and nonprofit organizations to help provide services or fund research projects.Government grants are for very specific purposes, like studying whales in Alaska, not just because you're a good citizen.They require an application process initiated only by you, and they're never guaranteed. Legitimate government grants never require fees of any kind.If someone offers you one, they're trying to steal your money and/or your identity. The government doesn't telephone people or send unsolicited letters or emails to offer grants.Immediately challenge anything you know to be false.
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By law you can obtain a free credit report once a year at. "Free" credit reports are not really free, so it's best to contact the credit bureaus directly- Experian, TransUnion and Equifax-to request your credit history.Federal law requires credit repair services to give you a explanation of your legal rights, a detailed written contract, and three days to cancel (this applies to for-profit services, not to nonprofit organizations, banks and credit unions, or the creditors themselves).It's illegal to charge for a credit card before you receive it, and if they say you qualified, but they need your social security number, it's a scam.It isn't necessary to pay another company to help you get a credit card, nor will it improve your chances of obtaining one.If you don't qualify for a loan yourself, try finding a co-signer.If you have poor credit or haven't established a good credit record yet, it's unlikely that anyone will lend you money, except at very high fees.It's against the law for telemarketers to charge any fees in advance if they claim that it's likely that they can help you get a loan.NEVER deposit a check you didn't expect to get, since you'll be responsible for it if it bounces.
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Refusal to send you written information.Pressure to act immediately (" offer valid for 24 hours only").Want to know how to spot a fake or "phishing" website? Click Here.It's like going to the dentist.you don't enjoy it, but doing it keeps you healthy and prevents problems later. Never keep them with cards, your wallet, your car or other identifying information. Use passwords to protect your computer, PDA, phone or any device that has identity information. Keep a fire safe for important documents such as wills, titles, financial information, passports and social security cards.
Once your trash can is on the street for pickup, it is public property, so anyone can help themselves to what's inside. Pick it up promptly, have it picked up when you're away, and if possible, get a secure, locked mailbox. Only call a known company phone number and when online, never enter a website from an email-type the known URL into your browser. Cons may look and sound like a company or bank you do business with, but trusted merchants will never call you to obtain personal information. Never give out your bank card, credit card, social security number or financial information unless you initiated the transaction and you trust the merchant.
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