The “Skimming” Scam: Technology, Thieves, and ATM Machines

Skimming is the method that thieves use to steal credit or debit card numbers and pins from customers by using fake readers at ATMs, gas stations and retail store registers. You can protect yourself from the scam by examining the card readers you use, avoid ATMs in tourist areas and monitoring your bank statements.

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The “Skimming” Scam: Technology, Thieves, and ATM Machines

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    Are Charge Cards and Credit Cards the Same Thing?

    There are subtle but very defined differences between charge cards and credit cards. Even though many people believe they’re the same, and they even have many of the same things in common, they’re in fact different. The main difference is that a charge card is usually required to be paid in full each month where a credit card can be paid over time with an interest rate.

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    Are Charge Cards and Credit Cards the Same Thing?

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      Today In Bankruptcy – 04-25-2013

      In his daily update of high-profile bankruptcy cases, a federal bankruptcy judge has issued an arrest warrant for Michael Jackson?s former dermatologist, who had failed to appear in court. In another case, waste contractor Synagro Technologies Inc., which does business with a number of major cities, filed for bankruptcy as part of a planned sale to a European firm. Meanwhile, struggling plug-in hybrid auto manufacturer Fisker Automotive Inc. disclosed at a congressional hearing that it may file for bankruptcy in the near future.

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      Today In Bankruptcy – 04-25-2013

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        Bankruptcy Filings Increase Among Doctors

        Most physicians are well paid, but recent statistics show that an increasing number of doctors are filing for bankruptcy protection in order to keep their practices going. Some might assume the primary cause is malpractice lawsuits, but attorney and bankruptcy expert Reed Allmand writes that some physicians, particularly those who operate their own practices, are being squeezed by a combination of higher business costs and reduced reimbursement by insurance companies as well as patients opting not to have procedures done due to lack of coverage.

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        Bankruptcy Filings Increase Among Doctors

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          Can Your Thin Credit Report Be Scored?

          Minimal consumer credit or non-existent credit history due to youth or recent change in marital status creates an unusual situation for credit lenders. Those who do not have much or any credit history are termed “thin” reports by those in the industry, and are considered their own group. Thin credit reports can be scored, though, as long as there is no deceased indicator on the account, there must be at least one account open for at least six months, and an account must have been updated within the past six months.

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          Can Your Thin Credit Report Be Scored?

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            Why isn’t my rent on my credit report?

            Typically rental information does not show up when a person pulls up a credit report. The credit reports traditionally have concerned themselves with information regarding banking business: credit cards, mortgage payments, etc. Experian, one of the three major credit bureaus, acquired Rent Bureau in 2010, though. Rent Bureau is an aggregate database from local and regional companies that maintain tenant information. Because the other two major credit bureaus Equifax and TransUnion do not have a tenant database renter information is not included in the FICO score, but it is included in the smaller VantageScore credit score.

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            Why isn’t my rent on my credit report?

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              Five Fantastic Apps for Managing Your Money

              There are seeveral highly regarded apps that will help you manage your money. The first is called Mint, which provides you with a money management system that shows all of your current account balances, your progress toward financial goals and tips to reach them faster. Another one is Debt Snowball Pro, which helps users conduct the snowball method of paying off debt. These may not be exactly what you’re looking for, so we’ve included several more.

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              Five Fantastic Apps for Managing Your Money

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                Should a Personal Loan Owed to a Family Member or Friend Be Included When Filing Bankruptcy?

                When filing for Chapter 7 and Chapter 13 bankruptcy it is important to include all personal debts. Should that include personal loans owed to a family member or friend? Most people are surprised by the requirement for all debts to be included in a bankruptcy filing. Loans owed to a family member or friend is handled in the same manner as a secured or retail debt. Depending on the type of bankruptcy filed, personal loans can be discharged or included within a payment plan.

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                Should a Personal Loan Owed to a Family Member or Friend Be Included When Filing Bankruptcy?

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                  Can Pay Day Loans be Wiped Out or Repaid in Bankruptcy?

                  Payday loans or cash advances are loans that are typically high interest loans. However, many people who rely on them are struggling to get out of the cycle that they put you in when you begin to rely on them as your income, only to be paid back every paycheck you get. In certain instances, these type loans can be eliminated through bankruptcy.

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                  Can Pay Day Loans be Wiped Out or Repaid in Bankruptcy?

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