Newsletter 08/15

Protecting yourself from Identity Theft

After the 2017 data breach with Equifax one of the top three credit reporting agencies in the nation, the need to protect yourself from identity theft is higher than ever. is  Hackers can access your names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They may even steal credit card numbers or dispute documents with personal identifying information.

Below are some steps to protect yourself from identity theft:

Passwords Be creative with your passwords and include numbers or special characters to spice it up. Also be sure use different passwords for different accounts. Data thieves are counting on the fact that you use the same password for your accounts that way they can have full access to your assets.

Monitor your existing credit card and bank accounts closely A common sign of  theft is suspicious activity on your accounts. You may even decide to put a credit freeze or a fraud alert on your files.

Protect your documents and personal information. It is important to be careful with your documents and what personal information you share. When getting rid of personal papers or old credit cards make sure to dispose of them properly through a shredder.

Continue checking your credit score. It doesn’t hurt to keep track of your score and doing so makes it much easier for you to notice any changes with your credit health. Drastic changes due to fraudulent activity  can damper your approval odds on loans or payments.


Housing Counseling

VIP Credit Counseling’s HUD approved housing counseling agency offers HECM (reverse mortgage) counseling nationally and locally.  I AM VIP READY provides HECM counseling.



VIP Credit Counseling also offers in-person Delinquency/Default Resolution Counseling (more commonly called Foreclosure Counseling), Pre-Purchase Counseling for interested home buyers, Post-Purchase Counseling for homeowners, and Landlord and Renter Counseling.

Bankruptcy Counseling

VIP Credit Counseling is approved by the Department of Justice to provide the mandated pre-filing bankruptcy counseling session that will analyze your current financial condition to enable you and your legal counsel to make well-informed decisions. VIP Credit Counseling is also approved by the Department of Justice to provide the post-bankruptcy debtor education course that is necessary to have your bankruptcy discharged.