Congratulations on your recent wedding. Your life bond will bring a number of changes with it from big to small. One of these changes also includes the treatment of your respective taxes.
Added note- the number for the Social Security Administration Office of the Inspector General Fraud Hot Line is 1-800-269-0271. You should notify this office if your social security card replacement is stolen.
What we are going to tell you now about your credit report is SHOCKING. The single most item that will lower your credit scores is a RECENT LATE PAYMENT. We have seen credit scores plummet from (690) down to (590) in one day because an account was recently (30) days late. It does not matter the amount of money. Even if the account was for $50.00 and you were recently late, your credit scores plummet drastically. Credit scores are NOT determined by the dollar amount of the entry but by the record of payments.
Consider an insurance policy. No there is no insurance available that will replace your entire wallet social security card replacement for you but many identity theft insurance plans come pretty close. For example LifeLock’s WalletLock service will work to get all of your wallet’s contents replaced, excluding the cash and family photos of course, with little effort required on your end.
Avoid hassles entering and leaving foreign countries. Well in advance of your trip, make sure your passport is still good and all your travel documents are up-to-date. Check with the embassy of your destination country to find out what is required to enter and leave a country and be sure you have everything in order before you embark.
If you can take a cash advance at a lower interest than some or all of your higher interest credit cards, then you can pay off those balances and save yourself tons of interest debt! Be cautious, though. Some credit cards charge a high fee for transferred balances, so be sure the transaction would be a good deal for you. Make sure you can pay off the balance before a higher rate takes effect too!
Password. Monitor his email yourself. Encourage your kid to make up an address book of his trusted friends and relatives. Then set up his email so that anything coming from other addresses is sent to the junk folder AND immediately deleted. Your son or daughter should never has to see any junk email.
There are many online scams going around. You should never give out your social security number, credit card number, or bank account number to someone that you do not trust. Make sure the company is legitimate before you give out your personal information.