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When in doubt, don% give. Here are a few danger signs that the charity asking for your donation isn% worthy of your money: california consolidation debt

• It makes an emotional appeal.

  If a solicitor tells you a story or shows you a brochure that brings tears to your eyes, stop and think. What exactly does the charity do Emotional appeals are meant to get a knee-jerk reaction from you. If you can% stop and think about giving, don% give. consolidation debt loan uk

• It can% or won% send written materials.

  If a caller tells you that it% too expensive or takes too long to send you written materials about the charity, hang up. Many scam artists won% send you materials because the materials don% exist or because the scam artists don% want to deal with the tough Federal laws against defrauding people via the U.S. mail. consolidation debt equity home

• Runners or others will come to pick-up your contribution.

  Never give cash. It% difficult to prove how much you gave when tax time rolls around, and if you write a check, you% l have time to actually think about your donation. If the charity must have your money right now, you% e probably dealing with a scam. consolidation debt government

• You% e asked if you want to % ledge again this year, % but you don% think you pledged last year.

  A popular ploy by unscrupulous phone solicitors is to ask you if you want to %onate again this year% to the XYZ charity. The problem is that you might not have donated last year at all. They just want to make you think that you did so that you% l give them your credit card number over the phone. consolidation debt firm

• You% e asked to buy tickets to an event so that % nderprivileged or handicapped% children can attend.

  Another popular ploy is to ask you to buy tickets to some local event such as a circus so that some poor children can attend. Ask specifically what children will be going and how they will choose these children. If you cannot get satisfactory answers, hang up. consolidation debt financing

• It uses % olice% or %irefighters% in its name.

  If telephone solicitors call and say that they represent some law enforcement or firefighter charity, make sure to get the exact name of the charity. Then call your local law enforcement agencies and ask if they%e ever heard of the charity. Chances are it% a scam. consolidation consumer credit

• You% e told you need you to supply your credit card number over the telephone.

  Never give your credit card number over the telephone to a solicitor. Ask for the name and address of the charity. Look the charity up online. And only then send them a check. consolidation debt free quote

It% good to give at the holidays. It% a way to say % hank you% for all the advantages you enjoy. If you follow these few simple rules about choosing a worthy charity, you can feel good about giving and feel good about doing your charity homework. Remember, a worthy charity is worthy all year long, so feel free to make more frequent donations to charities that do a good job and use your contributions wisely. RELATED ARTICLES card consolidation counseling

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Most people know they need to be concerned about what their credit reports say and what their overall credit rating is when they are in the process of buying a home or purchasing a car. What many don% know is that their credit scores are also being used to: calculator consolidation debt

• Determine their interest rate for car loans or mortgages best consolidation debt loan

• Compute their rates for homeowner% and auto insurance consolidation counseling

• Decide whether or not they will receive credit card offers and what interest rate they% l be charged best consolidation debt

• Decide whether or not they can rent an apartment best company consolidation

• Determine if they will have to pay a utility deposit before their telephone or gas will be turned on consolidation debt lending

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• Determine whether or not they will be offered a job advice consolidation debt

For all of these reasons, savvy consumers know they must regularly check their credit reports to ensure that they are complete and accurate. Your Credit Report Your credit report, or file, includes information on where you live, your income, debts and credit payment history, as well as whether you%e been arrested or sued or have filed for bankruptcy. And while the Fair Credit Reporting Act (FCRA) helps ensure that the consumer reporting agencies, or CRAs, provide correct and complete information to businesses that check your credit report, errors%ither inaccuracies or incomplete information%an happen. And because such inaccuracies can damage your credit status, experts recommend you check your report regularly and at least once a year. consolidation debt interest

The Reporting Agencies

The three major consumer reporting agencies, Equifax, Inc., Experian and TransUnion LLC, all get their information about you from different sources. So your credit report from one company may not have all of the information or even the same information that is in your reports from the other two. This doesn% necessarily mean that any of your reports is inaccurate; it% just different. But for that reason, you will want to request reports from each. It s up to you whether you request reports from all three agencies at once or stagger your requests throughout the year% strategy that some experts suggest may help you stay on top of the accuracy and completeness of your reports. consolidation debt refinance

Here is the contact information for each of the three CRAs: Equifax: 1.800.685.1111 Experian: 1.888.397.3742 TransUnion: 1.800.888.4213 Free Credit Reports Thanks to the Fair and Accurate Credit Transactions Act of 2003 (FACTA), by September 1, 2005, everyone in the United States will be eligible for one free credit report each year from each of the three CRAs. On December 1, 2004, consumers in the Western states became the first to be able to order their free credit reports. The rest of the states will follow according to a regional roll-out schedule: Midwestern states become eligible on March 1, 2005; Southern states, June 1, 2005; and Eastern states, as well as the District of Columbia, Puerto Rico and all U.S. territories, September 1, 2005. consolidation debt finance

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