How to Calculate APR: A Complete Guide

October 1, 2019 by  
Filed under Credit score, Resources

credit cards and a summary on how to calculate apr

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When building or rebuilding credit, many people turn to credit cards and loans to help establish their credit history and raise their credit score. When considering these credit vehicles, you will want to know how to calculate APR in order to determine if you can make your payments and decide which cards or loans are the best for your situation.

What Is APR?

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Whenever you borrow money, you will have to pay a cost for borrowing that money. This cost is referred to as the annual percentage rate, or APR. This rate is a percentage of the money you have borrowed. The APR is how the bank, mortgage company or credit card company can afford to offer money on credit. In order to make enough money to be worthwhile, banks must charge higher interest rates for riskier clients. If you have a low credit score or no credit history, you will often have to agree to higher APRs than people with better credit scores and longer credit histories.

APRS AND COMPOUND INTEREST

It is vital to understand compounding interest when learning how to calculate APR. Any time you borrow money, you won’t only pay interest on the money you borrowed. You will also pay interest on your interest. APR is compounded based on your daily or monthly balances. It is most often compounded daily and added at the end of the billing cycle to the balance of your loan or credit card. For example, if you make $1000 in purchases on a new card with a 15% APR, every day a portion of that 15% APR gets added to your balance. If your interest is compounded daily, after a year, you will have about $160 of interest due on the balance if no payments are made to the principal or balance.

When figuring out how to calculate APR, it helps to understand the differences between the various types of loan APRs and credit card APRs that you might encounter. The differences between these will affect how to calculate APR and how much money you could end up paying to use the loan or credit card.

Types of Loan APRs

Loans are an important tool and a necessity for almost every working adult. However, not all loan APRs are created equally. Sometimes, the 3% interest rate on one type of loan, such as a variable loan, will cost more in reality than a 5% interest rate loan that is a fixed rate. You must take these types of loans and rates into account as you figure out how to calculate APR.

FIXED APR

VARIABLE APR

TIERED APR

Types of Credit Card APRs

Most American adults will carry some credit card balance. Any time you carry your balance over to a new month, a portion of your APR is added to the balance. You must pay the interest or it becomes a part of your new balance as time goes on.

INTRODUCTORY APR

BALANCE TRANSFER APR

PURCHASE APR

CASH ADVANCE APR

PENALTY APR

How to Calculate APR

Depending on what you want to figure out about your APR, there are a few different ways to calculate your APR. We highly recommend using online calculators and Excel formulas to calculate your APR and the compounded interest. If you are determined to do the calculations yourself, you can find the formula below.

​ONLINE CALCULATORS

​EXCEL FORMULAS

​HOW TO CALCULATE APR WITH COMPOUND INTEREST

Conclusion

It is important to learn how to calculate APR so that you can figure out your effective APR, including compounding interest. There are a few different ways to calculate your APR and some variations depending on what in particular you want to solve for. Thanks to technology, it’s easier than ever to quickly figure out your effective APR with online calculators and Excel spreadsheets. Knowledge is power, and if you know how much it will cost you to borrow money, you have the power to make the best decisions to improve your finances and your credit score.

How to Build Credit

May 17, 2019 by  
Filed under Credit Report, Credit score

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Credit is an important thing to have. It is important for those of us that would like to borrow money from banks to buy a house, a car, get a credit card or business loan. Having credit can help individuals. It shows that they are prepared to pay back the money being borrowed, and they are a trustworthy client to have. It is important that those out there learn how to build credit so that there’s little to no struggling during the process.

It is also important to note that even those that have built their credit up previously may have fallen on hard times and might require the help of learning how to build credit again. Credit can be something hard to build up; it can take time. Keep this in mind when considering not paying a bill or skipping out on credit card debt. That debt can stay with an individual for some time, making it hard to catch up. It is important to come up with a plan, work towards paying off the debt and know how to build credit so you can make use of the tips and tricks that will help keep you afloat.

Credit 101: The Basics

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Knowing the basics regarding the credit you are trying to build is always good. Knowing what to expect and having a timeline definitely helps. Here are specific things to keep in mind regarding your credit and knowing how to build credit so you can get the most out of your score:

  • 1
    Debt can happen to anyone, even you.
  • 2
    Creditors will share your name with others so they’ll know you defaulted. 
  • 3
    Building your credit, even if you know how to build credit, doesn’t happen overnight.
  • 4
    Having good credit is actually very important.
  • 5
    There is such a thing as having too much credit and too many credit cards!
  • 6
    You can ask creditors for a better interest rate if you have a high credit score and great credit history.
  • 7
    Closing out cards can actually hurt your credit, so hold on to them, even if you don’t use them.
  • 8
    You’re welcome to request a copy of your credit score from all three bureaus for free once every year to check for changes

Tips for Maintaining a High Credit Score

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It is important that even though you have built up that credit score that you take steps to maintain it. Maintenance is key to keeping a great credit score. Here are some of the best tips for maintaining your credit score so it climbs to—and stays at—the perfect level of 850. It is also important that you know what goes into having a great credit score. It does not matter so much about the amount of credit you have but more about the length of the credit lines, the debt on these lines, the on-time payments and more.

  • On-time payments: always pay your bills on time, every time, especially credit-related bills. Ex: credit card, car payments, mortgages, private loans, etc.
  • Low credit balances: keep the balances on your credit cards lower than 30% of your total credit limit. Exceeding this amount might harm your credit rather than help it.
  • Steady, old accounts: don’t close out old accounts. Even if they are not being used, having these accounts on your report can help because it shows you have a long-standing reputation.
  • Credit report vigilance:  always watch your credit report to make sure there are no new charges that are happening without your knowledge. 
  • No online overindulgence: limit how much you apply to stuff online because any new credit can hurt your score.

How to Build Credit

Following these steps can help you build better credit overall. With these steps in mind, you can even spread the word to others on how to build credit. There are two main credit bureaus you want to know and keep an eye on, FICO and VantageScore. Creditors work with one or the other to read into your credit and see where you stand. By having a few different things, you can build better credit in the eyes of both bureaus.

Get a Secured Credit Card

While this seems easier said than done for a lot of people, there are many first-time user cards out there that allow the newbie to take advantage of a small line of credit. Some cards are secured, and the user can put money on them to use them like a charge card that also reports to the major credit bureaus.

Become An Authorized User

Having someone else put you as an authorized user on their card gives you the same spending power that they have. This also means that it can help your credit if the card is used wisely. Just make sure that the person the card is connected to is smart about their spending, buying and paying for expenses so the card is paid for on time. If it is not, it can actually hurt your credit.

Apply For A Loan To Build Credit

There are things known as credit-builder loans. These are small unsecured loans that allow people to build their credit without having to worry about qualifying for credit cards. These loans were specifically designed for people that want to build their credit back up or lacked credit in the first place. They can be obtained through credit unions. Signing up for the union can allow you to get the perks that come from these loans.

Get Someone To Co-Sign

Getting someone to co-sign for you can get you in the credit game with ease. Not only do you get the benefits of having the loan you signed up for, but you can put it in your name as something to show. You just need someone that is willing to sign on your behalf and put up the cash if you happen to default on the loan. However, it is important that you don’t. If you do default on the loan, this means bad things for your credit.

Build By Building Good Credit Habits

Having good credit habits is going to help you in the long run when you need to make sure that your credit is as high as possible. Of course, being able to spend the right amount on the cards is the first thing to think about. A lot of times when people are handed a high amount on a credit card or cards, they have the instinct to go out and spend almost all of it. This can actually get you in trouble. Try to refrain from spending too much on the cards as this can mean a lot of credit card debt in the long run.

Always make sure to make your payments on time, every time. Not just some of them, but all of them. Even one missed payment can cause your credit score to drop lower than you would like. This is not a good thing if you’re trying to build it. While some things might not be reported right away, it is important that you pay your bills on time or early to reduce the chances of being negatively affected by it.

Avoid opening up too many credit accounts. This can lower your account age and cause the credit score that you have to drop down. In order to keep the score up, it is important that you keep the older accounts for as long as possible and do not add a bunch of new ones all the time.

Even if you are not using a credit account, you want to make sure that you keep it open. Closing these accounts can cause your credit score to drop lower than you may like. The cards will not harm your score by sitting there not being used. It is important that a small charge is put on them from time to time to keep them active. For example, paying with your card for gas and then going home and scheduling a payment to pay it off is ideal.

It is good to keep checking your credit score every 14-25 days because it will constantly change as you work on it. This will give you an idea of whether you’re going in the right direction or not. Some individuals even request a professional that can provide a list of things to do to fix or bring up your credit as fast as possible. It is also good to keep in mind that credit scores take time to work on and to improve.

Conclusion

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With a high enough credit score, you’re easily able to take advantage of various perks. Everyone has to build their way up from the bottom and then hold yourself there when trying to get a credit score that is acceptable. Following these guidelines can help those interested in having better credit overall. Knowing how to build credit is information you can use now and spread to all those that might struggle while building theirs. Regardless of where you are or they are in this process, having information to help you along the way is always helpful.

Process of cash advance-Payday loan in Australia

June 29, 2011 by  
Filed under Credit Report, Credit score

Do you want to know about payday loans and process of cash advance? Cash advance is the method involving money borrowing from the third party and then the borrower will pay this party at the decided time. It helps you in overcoming the problems related to fund shortages or when next pay check is not due at the early time.

Cash advance with a little payday loan is going to get you enough support and is a best thing to do in worst times. Because of the option of cash advances, many people are confident about their hard days. The help is on its way in a matter of hours.

The process of cash loans and payday loans involve borrowing currency which is unique to each applicant. For majority of applicants this, need arrives during shortage of funds. Cash advance is only granted to approved borrowers for a certain period of time and until next paycheck is available.

It is a known fact that money is needed whenever there is an exchange of goods between more than one individual. Mostly one can provide it without any help but, there are surly some cases when you are out of money and in such situations you need cash loans.

These short-term cash loans are easily available and are a convenient way of receiving instant cash. In Australia, these loans are easy to get if certain requirements are met. These requirements are as follows:

· Individual must be a permanent employee

· Australian residency is required

· Age should be above 18 years

· Sound proof of residence and employment

· Bank details for electronic transfer of money

Payday cash loans are usually transferred at the same day, they are applied for. You must have heard that interest rates on such loans are high but, it is a cheaper way of paying the overdraft charges of bank. For payday loans, one can borrow from$100-$1000. The exact amount of borrowing depends upon the cash requirements as well as on the lender. If the borrower is unable to pay on time, then he has to pay large amount next time. The lenders also check the credit worthiness of the borrower to assess his eligibility for the loan. But, mostly the current situation of the individual is more important than the credit history for payday loans.

Tips for Increasing your Credit Scores

June 29, 2011 by  
Filed under Credit Report, Credit score

Credit scoring is same as that of health, mostly people underestimates its importance until it become a problem. The credit score reflects your credit history same as that your current appearance is the reflection of your health. Credit scoring is not a short term process, but requires continual improvements.

FICO is the most commonly used credit score and ranges from 350 to 850 and is calculated through your credit score on the reports. The respective scoring shows your ability of paying to your lender. The higher the score, less risky is for the lender to give you the money. Scoring 700 and above provides you with the best interest rates available in the market. Failing to have a good (i.e. below 500) one disqualifies from the loan approvals.

There are few tips that help you in maintaining a good credit score:

· Try to pay all your bills on time. It seems an obvious tip, but the first thing a lender will check on your credit report is these payments. How timely the payments are made, is going to have a significant impact on your credit scoring. One important thing to remember is that about 35% of your credit score is based on the credit history.

· The balance of your credit cards should be low. High balances, reduces your credit scoring to about 70 points. Instead of having a one card, share the amount in different cards by transferring the balance and in this way the balance can be as low as 25%.

· If you have old paid off accounts, don’t close them. With their closure, the total available credit is reduced and your utilization ratio is going to change respectively. This in turn will lower your credit score. It makes you less trustworthy and thus has a damaging affects on your credit history.

· Apply for the small loans first in order to qualify for the bigger ones. This helps in showing that you are a good borrower.

· The time period during which you apply for the loans should be planned carefully. Every time you apply for a loan and a creditor accesses you history, your credit score is lowered by 3 points. Therefore these processes should be focused during one time period.

These few tips are quite helpful in maintaining a good credit score. Hope it works out for you as well!

How good credit score can be achieved?

June 29, 2011 by  
Filed under Credit Report, Credit score

The financial decisions are greatly affected by the way credit scores are calculated. The commonly used scoring system is FICO in which the score ranges from 350-850. These are not only numbers, but determine your credit worthiness.

There are some factors that affect your credit score in general:

· Payment timings

· Amount of money borrowed and the type of debt

· Credit limit and its usage

· Time period of credit history

· Public records

Public records are the disclosures under which the remarks about the individual’s credit report are written like bankruptcy, foreclosures and tax liens. Any negative comment can dramatically lowers your credit score.

35% of your credit scores depend upon how timely these payments are made. It is the biggest proportion among all the divisions. The next is the amount of money borrowed and the type of credit, it makes about 30% of your score. If you have several different types of your accounts, it doesn’t guarantee that you are going to have a good scoring as well. It all depends upon your current financial position, debt to income ratio and how well you manage your payments. Thus any late payments are going to cist you in terms of bad credit score.

There are different opinions of companies regarding the good credit scoring. This difference could be of 5 to 10 points defining a good, excellent or poor rating. To ensure that you are at a safer side, try to score the highest on a particular scale.

If you have a score of above 700-750 points, then you are at an excellent position. It provides you with the power of demanding lower interest rates from the lending institutions. Avail the maximum benefits by achieving the high score as this. It also provides the opportunity of negotiating with the lender for better deals.

Scoring of 600-750 is also considered a good one by many lenders. This offers you good opportunities, but the negotiating terms are reduced to some extent. Same is with a score of 500-640 which is acceptable too, but some lenders charge these individuals with higher rates.

Credit Reports for those with Bad Score

June 8, 2011 by  
Filed under Credit Report, Credit score

Good credit rating is desired by everyone. All your financial matters depend upon your credit score. The better thing is, more opportunities are going to open for you. On the other hand, the bad scoring makes things difficult for you. For good credit scoring, it is essential that all of your bills should be paid on time. There are no dues from your side. A bad credit score restricts your lifestyle as you are allowed to make limited transactions. The major disadvantage is that, banks can reject your loan application on the basis of your poor credit score.

Any lender would not lend his money to the risky borrower and if you have a bad rating then you are one of those. The greatest benefit of having a good credit rating is that you are charged with less interest rate. You can imagine the rate when the credit rating is less. 5% interest rate is charged by the banks in case of good credit score, otherwise an inflated rate of 10% is charged with low credit score. This difference is not easy to ignore and a borrower is charged just because the credit score does not support him.

Credit cards are one of the reasons of poorly managed debt. These people cant even pay the minimum amount of credit thus are unable to discharge large amount of debt payments. An interest rate of even 20% can be charge, which is an enormous amount.
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The story does not end here, insurance premiums and even the house rentals are decided on your credit score. Lesser insurance premiums are charged to those with good credit scores. Hundreds of dollars can be lost in just paying the insurance premiums. Apartments are rented out on the basis of your credit score. The lucky ones with good credit scores pays less than the unlucky ones with bad credit scores.

Thus you have realized that credit ratings affects all spheres of life be it health, insurance, loans or property. Ensure that you have a good one so that the extra stress related to financings can be avoided.

3 Credit Reporting Agencies

February 23, 2009 by  
Filed under Credit Report, Credit score

There are many private credit bureaus which state they would offer credit reports. But beware. They could be scams. In the US there are only 3 credit bureaus which offer credit reports. These give a fair idea to the creditors whether they are taking the right decision while lending the money to the individuals.

What are credit reports and how does the credit score affect a person:

All the 3 credit bureaus Experion, Transunion and Equifax are actually helping the stakeholders i.e. the creditors in this case earn their bread and butter. These bureaus provide the credit report and also counsel you on what modifications you need to make. They also keep you posted 2 times a year on the status of your history and also caution you when you are about to exhaust your limit.

Your credit score which reflects on the credit report plays a very important role in your standard of living. One must understand that the reports generated by these credit bureaus may not tally with each other in all respects. The approach adopted by these credit bureaus may be similar in fashion. One would notice that the report generated by these 3 credit bureaus would more or less imply the same thing. A credit report includes the name of the borrower, his address and the name and address of his employee, place of work etc.

Information or data related to his past credit – whether he or she has any past pending loans or mortgages to be cleared – credit balance at the banks etc.

Pattern of payments – it gives an idea of your past payment pattern. How regular or irregular one has been with respect to settlement of monthly bills, loans etc.

Legal records – whether there are any cases of litigation or legal case proceedings in the court of law against you.

Your personal statements – It is mandatory for an individual that he provides a statement containing all the personal information.

Most information contained in the credit report should have error free information. One should ensure that you give attention to details in the credit report. Credit bureaus have good contacts with creditors and financiers. Since they are in the industry since a long time, it enables the credit bureaus to generate error free and accurate reports. Each credit bureau would have its set pattern relating to the past history of an individual’s credit pattern. Each credit bureau would generate reports based on the credit score of the individual.

Credit bureaus main source of income is the technology of credit scoring. The credit bureaus generate credit reports based on the individual’s credit score which enables the creditors to decide whether it is worth giving credit to an individual or whether the individual is credit worthy.

Calculation of credit scores: Credit bureaus use the FICO score to arrive at the credit score of an individual. Most of the creditors work in close association with credit bureaus to arrive at a decision. In case you are moving to a new residence and you need an electric connection, the electric company would first get in touch with the credit bureau to find out your creditworthiness.

Cell phones: While purchasing a cell phone also, the cell phone company would first confirm with the credit bureau regarding one’s creditworthiness.

Accessibility: Every individual has free accessibility to credit reports. Individuals can contact the credit bureaus and get their free credit report annually. You need to pay a fee to the credit bureau for getting your credit score.

It is also important that one checks the credit report for any errors or ambiguity. One needs to also ensure that the credit report is up-to-date, accurate and clean before applying for a loan.

Government Free Credit Report

February 22, 2009 by  
Filed under Credit Report, Credit score

The Federal Government has recently passed a rule which states that every individual is at liberty to receive his or her free credit report every year. It is true that many people are not even aware of this rule. This rule has been passed by the Federal Government with effect from 1st September 2005. The Government has segregated the country by parts so as to ensure effective control of enquiries. So every region or State in the US has a different date from when this law has been effective. These rules and regulations have been specifically passed by the Government to ensure that there are no problems relating to the credit dealings and also to ensure that fair business is transacted between the individuals.

How to ensure getting your free credit score:

Once you have received your free credit report from any of the credit bureaus, you must ensure that the entries passed in the report are free from errors or ambiguity. The sooner your detect an error, you can pass on this information to the bureau who would thereafter look into your case and ensure that the error is rectified. Sometimes, it would take a very long time to correct the mistakes in the credit report.

Procedure for a free credit report:

It is one’s right to claim a copy of the credit report every year from each of the 3 credit bureaus. You could browse the net and file in for a free credit report from the credit bureaus. All the above 3 credit bureaus have also a common website where you could post your request for a free credit report.

In case one wants to have the report delivered through mail, then one needs to send a request in writing along with 2 Xerox copies of your identity. You would then receive your credit report by mail. Getting your credit report by way of tele calling is not possible, since they do not entertain phone calls.

How does one ensure a free credit report from the Government?

Our credit score decides our eligibility for a loan from a Bank or a mortgage loan from a financier. At some point or other, the need for a credit score is felt. Even insurance premiums are decided on the basis of the credit score. In case you have managed to earn a good credit score, you can be assured of a lesser insurance premium. Your credit report also gives a fair idea of your credit score and the number of times you have applied for credit. Whether it is worthwhile giving you more credit? Whether you would be able to fulfill your payments on time? Whether you would be a defaulter by any chance?

Free credit report”

Before one actually puts down the application for a loan, it is advised that one checks the credit report and credit score, to get an idea of one’s standing. You could try other methods to find out whether you could increase your credit score in any way.

Why one needs to check the Credit report?

One cannot trust the credit bureaus completely with regards to the credit reports. One also needs to have an understanding of what encompasses a credit report. One should be smart enough to check the credit report to see if everything is okay and there is not absurdity in the reports.

Errors detected early can help in quicker rectification. The longer the time taken to identify your errors, the longer the credit bureau would take to rectify those errors.

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Experian Credit Watch Program

February 21, 2009 by  
Filed under Credit score

If one is a victim of identification theft, then it is an absolutely irritating, expensive affair. When you are not equipped with the right information, then it could be very frustrating. Experian is a credit bureau which helps people in setting their credit records. They generate credit reports and on that basis, the banks and financial institutions guarantee you a loan or a mortgage loan.
In case you have registered with this credit bureau, it is easy for you to get your credit report. You only need to click on the button and view your current report. Experian also gives free credit report either online or on the telephone.
Your credit report could be affected due to frequent changes in your job or employment, frequent change of residence. It could affect your credit rating. This would shut doors in case you need to change your residence. You need to keep checking whether you have received a notice from Experian that you could view your credit results. Experian would also give you free credit reports.
One is advised that he or she maintains an error or ambiguity free credit file. One could request Experian to forward them a free credit report. Experian also caters to a wide variety of information namely with regards to credit information, bankruptcy details, consumer loans etc.
One can always request for a free credit report. Once you have received it from any of the credit bureaus, you need to file it and maintain it for future records. The free credit report gives us a fair idea of the information relating to dates when there have been transactions related to receipts and payments etc. In case you come across any errors in the report, it is mandatory and imperative that you report such cases to the bureau so that they could effect the necessary changes in their records. This way you could also be saved from future problems if any.
Individuals order these free credit reports when one has subscribed for a credit monitoring service. As per the government law and federal law, every individual is entitled to a free credit report from Experian.
The very essence of your credit health is the credit score which is reflected in your credit report. These bureaus make a thorough study and analysis about your creditworthiness. The report normally give a view about the credit history, the different types of accounts your have maintained, the frequency in which you disburse your pending amounts, the credit amount you have used and the credit amount which is still pending with you. It also gives you a snapshot of how effectively you have maintained your credit.
It is mandatory for credit bureaus like Experian to effect changes in the credit report within a stipulated period of about 30 days. They have to effect the correct entries in your credit report. The bureau should also look into any ambiguity or errors in the reports. Any misinformation in the report which has been termed an error, but cannot be justified as an error, needs deletion from the records.

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Free Yearly Credit Report

February 19, 2009 by  
Filed under Credit Report, Credit score

The holiday period of the year is usually accompanied with lot of fraudulent credit card cases, theft with regards to identification of a person. One needs to ensure that one keeps a check as well as track on his/her credit report. So then how do you go about this checking of credit reports. Let me explain this to you. One needs to check one’s credit report with regard to the following points:

  • Any case of errors/ambiguity
  • Any cases related to fraudulent entries/identification theft
  • To enable one to avail of the best possible interest rate
  • Since many lenders rely on credit score, need to update your report and maintain an accurate credit report.

Time when you need to check your credit report:

One is advised to check one’s credit report when one is absolutely sure of one’s credit records and you do not anticipate any major purchases in that particular year.

Always ensure an accurate credit report before you apply for a loan or a mortgage of a bank so that you have enough time in correcting and rectifying any errors, if any. An inaccurate report would be the reason why your request for loan could be rejected outright.

In case you have not been able to get a loan sanction from the credit report submitted by the credit bureau, then you have every right to ask for your free copy so as to find out the reasons behind the rejection of the loan by the bank or the lender.

You also need to check your credit repot in case you are a victim of identification theft.
In case you intend to clear your negative credit score and start afresh, you need to keep a check on your credit report.

How does one go about checking his or her credit report?

The 3 bureaus which are connected with the credit report are Equifax, Transunion and Experion. It is mandatory that you get your free credit report from either of the agencies annually. You could cross check the reports of all these 3 agencies because the reports do not normally tally with each other. You could check for discrepancies and errors if any and report the matter to these agencies.

Try and order the reports from these agencies giving a gap of 1 month in between, so that you have a correct picture of your credit score. Compare the reports thoroughly. There is this bureau which is the annual credit report.com site which gives a free credit report online. One can check one’s credit score without having to shell out extra dollars. There are other private agencies who do offer this service, for a fee but one is advised to be aware of such scams.

Another alternative to check out if there is any fraud is to order for a 3 in 1 report from Myfico.com. One is advised that one checks one’s credit report periodically so that you do not fall a prey to frauds and identity theft. You are also aware of any errors if any or wrong entries passed in the report. Even otherwise you need to be extra careful with regards to keeping a track on your credit reports especially during the holiday season when there are maximum chances of identity thefts, errors and frauds.

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