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Avoiding Identity Theft

identity-theftIdentity theft is a serious crime that affects nearly 10 percent of the U.S. population each year. Criminals go to extreme measures to steal a person’s identity and can do so in a variety of ways. That is why it pays to be extra diligent with your personal information. Here are a few of the things you can do to protect yourself.

 

  • Keep all of your important documents in a safe. All of your family’s original Social Security cards, birth certificates, titles to your home, cars, and other important documents should be stored in a safe in your home. Most identity thieves want the easy score and will not waste time trying to break into a safe.
  • Take extra care with your wallet or purse. Men should know where their wallet is at all times. The same goes for women. The best purses for women are those that can be zipped shut. Purses or bags should be held close to the body when in public. Do not leave purses or wallets unattended in a vehicle.
  • Check your bank statements each month. An identity thief can easily access your bank account without your knowledge. Examine your statements every month for any suspicious activity.
  • Review your credit report periodically. Identity thieves can use your information to do a variety of activities including taking out loans. If the person who steals your information gets the title to your vehicle, he or she could use it for a car title loan. Car title loans are short-term loans that are easy to obtain. Companies like Embassy Loans of Florida help thousands of customers obtain them each year. Look at your credit report for new open lines of credit. This may be a sign that your identity was stolen.
  • Use difficult and different passwords online. If you use the same password to log on to your computer for emails, your bank accounts, and more, you are laying the groundwork for disaster. Use a different password for everything and do not use your birthday, your pet’s name, or your kids’ names in them. You should also use anti-virus and anti-spyware software on your computer. Identity thieves work long and hard to steal your information while you are online.

 

These are just a few of the many things you can do to protect yourself against identity theft. You may even consider an identity theft protection service. There are companies out there that will assist you in preventing identity theft or help you if your identity has been stolen.

 

 



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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.

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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.