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Protect Yourself from Identity Theft

identity theftA person’s identity can be stolen in a number of ways and, most often, the person whose identity has been stolen does not even know for many months, or even years. Identity thieves can use a person’s identity to purchase homes, cars, and obtain credit. Once discovered, victims have to spend a great deal of time trying to repair their credit history. Here is how you can protect yourself from identity theft.

Social Networking

With all of the social networking websites like Facebook, for example, people are sharing a wealth of their personal information on the Internet. It is recommended that you set your privacy settings to the highest level and do not share items such as your exact birthdate or any other information that could be used to answer a security question. Many sites will use a mother’s maiden name as a security question. Do not share information like that on social networking sites.

Maintain Your Anti-Virus Software

Keep your anti-virus and anti-malware programs up to date. You should also limit the amount of financial information that you keep on your personal computer. If you log on to different financial websites, do not save the password for those sites. Many sites will ask you if you would like to save the password. Decline this option every time.

Take Good Care Of Financial Documents

You will have several different physical financial documents around your house. Many will need to be kept for tax purposes. Some, like mortgage information, may need to be kept for as long as you are in the home. Documents that are not needed but contain your name and other financial information should be shredded. Also, any solicitations you may receive from financial companies such as credit card offers should be shredded as well.

Secure Yourself While Online

Your home Wi-Fi network should be secured at all times. Hackers can easily intercept unsecured communications these days. Make sure that in order to get onto your Wi-Fi network, a password must be entered. You definitely do not want to be doing your online banking on a network that is unsecured. Monitor all of your bank accounts and any credit card accounts closely. This way, you can catch any fraudulent activity.

Obtaining A Loan If Your Identity Has Been Stolen

People who have had their identity stolen will find it hard to obtain a loan. As mentioned, criminals will use a person’s identity to make all sorts of fraudulent purchases. The result is usually a damaged credit history for the victim. If this has happened to you, it is still possible to obtain a loan. A car title loan from a company like Embassy Loans of Florida is still an option. The loan does not depend upon a person’s credit history but more on the title and value of the vehicle being used as collateral.



Embassy Loans is a leading provider of auto title loans since 2005

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Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

Monthly Interest Rates range from 1.5% to 2.5% (18% to 30% APR), with 15-18 Month Terms.

No Prepayment Penalties!

Embassy Loans uses “Title Loans” for advertisement purposes only and provides auto equity loans. Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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Frequently Asked Questions

What is an Auto Equity Loan?

An auto equity loan, sometimes known as a car title loan or a car equity loan, is a type of loan that allows you to borrow money by using your vehicle as collateral. The loan is secured by your vehicle, meaning you agree to use the equity in your car to back the loan. 

What is an Unsecured Personal Loan

An unsecured personal loan is a loan that does not require collateral. Funds are provided based on your credit worthiness and your ability to repay. 

What Is the Credit Builder Program

The credit builder program is designed to help individuals establish or improve their credit score with the primary purpose of building a positive credit history through regular payments.

Can i have more than one Loan at a time?

Embassy Loans can only extend one loan at a time and it’s advisable to start with one and focus on making payments in a timely manner to prevent default.

What happens if I miss a payment?

Missing a payment can have negative consequences, including late fees, a drop in your credit score, and potential default on the loan. Consistent, on-time payments are crucial to benefit from the program.