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Do You Know Your "ID Score"? Everyone has heard of credit scores, but bet you are not familiar with "ID scores." Under changes to the Fair Credit Reporting Act going into effect on August first, financial institutions and others will have to have methods in place to detect and respond to instances of ID theft. As a result of this, more companies will want to assure themselves that customers they do business with are really who they say they are. To do this, they may use third party applications that help verify your identity. A popular system is to check your ID score -- a number from 1 to 999, where the higher the number the more likely that ID fraud is a possibility. You can get a free copy of your id score (based on one company's calculations) at MyIdScore. You will be asked to optionally input your social security number, among other things. Without your SS#, the system may render a higher score than with it. (MrConsumer's ID score was 70 with, and 303 without.) Seniors Getting Scammed When Their Adult Children Don't WatchTo every adult with a senior citizen parent: if you don't monitor your parents' finances (with your pinkies up), their money and your inheritance may wind up in the pockets of scamsters. Here is a touching story of an Ivy-educated senior who has lost tens of thousands of dollars to scams. Like many seniors, he wanted to believe he "had just won" big sums of money. Because many elders are trusting souls, they wind up throwing away their hard earned dollars.
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Imagine staying at the MGM Grand in Las Vegas for as little as $62 a night for the room midweek, and get free access to their buffet (reportedly very good) for two people for three meals a day. Weight watchers, steer clear! You also get $15 to play the slots and some other free admissions. Rates vary by the day of your stay, and this promotion keeps morphing in price/benefits. Read about others' experiences here and get most recent updates.
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