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Individuals who prey on unsuspecting consumers have cunning techniques for getting your personal information. In fact, their techniques are so subtle that you may even volunteer this information. Here are a few tips to help you keep your credit report safe.Who Has Access to Credit Report Information?Several people may have access to your credit report. Aside from creditors and lending institutions,platinum extended bank of america plus visa warranty landlords, employers, and insurance agencies may also review your credit report. In most cases, these businesses need your written consent before obtaining a copy of your credit report. Current creditors may periodically review your credit report without bank of america platinum plus visa extended warranty permission. Furthermore, credit card companies that offer pre-approval credit offers have access to your credit score. Is Your Personal Credit Report Private?In order for someone to check your credit, they must have a legitimate reason. Access to credit reports is generally restricted to businesses. These include retail stores that offer credit, insurance agencies, etc.Although several software programs advertise background checks, which may include credit report information about someone, these are illegal. If a person obtains a copy of your credit report for unnecessary purposes, this will result in a sizeable fine and up to one year in prison. Safeguard Your Credit Report and ScoreCredit report errors are common, and usually minor. However, if you are a victim of identity theft, you may have several credit report errors. These may include new credit accounts with huge balances and outstanding balances on unauthorized accounts.It is important for you to review your personal credit report annually. If possible, obtain a copy every six months. This way, if a person gains access to your personal information and begins opening new credit accounts, you will detect the problem sooner.Always shred credit card statements and pre-approval offers. Both documents include your name, address, and account information. Thus, if these were to get into the wrong hands, a thief could make purchases with your credit card and open new accounts. Moreover, do not give your credit card number over the telephone, unless you initiated the phone call.

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With today’s credit card companies, there are many opportunities to get your cards rate of 21% or more reduced. The higher the amount of interest your card charges will cost you more for a simple purchase and ultimately may take you years to pay off instead of months, should you make the minimum payment allowed. People often just pay the minimum balance as a way to improve their credit rating; this couldn’t be a more dangerous way to increase your credit score. Leveraging the credit card company to say “Uncle” to your ability to switch over is easier than you think.

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