Tuesday, August 13, 2013

Protect yourself from the latest scams in 2013! (read & forward)

Have you ever been scammed before?
Easy steps to protect yourself & what to do after in 2013
Have you ever been scammed before? Scams show up in many shapes and sizes. You have people promising you things with no intentions on delivering. The bad part about it is that they are usually approaching you with a friendly demeanor which makes them blend in with genuine people like you and me. Its their lack of integrity that's missing.
 I was the victim of a scheme this year while applying for a position as a secret shopper online, July of 2013. I filled out the application looking to supplement some income to what many people look at as being a dream job. Who wouldn't want a job who gets paid to shop? This is why its so easy to be taken advantage of especially if you haven't been shopping in a while if you get what I am saying. This is the reason why I am so compelled to share my story to help prevent someone else from making the same na├»ve mistake I made.

I recently  received an express mail envelope with a letter of instructions & my first 2 secret shopping assignments so I thought, and a check for $1950.00. I was to confirm the check via email to the area manager, then cash it, & take out $350.00 total for myself to begin secret shop. It was to be split up as follows...  $100 for commission for Wal-Mart shopping, plus $50 to buy whatever I wanted and $200 for commission to send the remaining balance to next secret shopper whose name was another lady in Texas.

I wanted to believe it was a good check. I was thinking secret shopper so it had you in a secret mindset. I was thinking of how cool this was, sort of like a secret agent. I guess my positivity had me caught up in my own little world and reality meant that if it doesn't clear a host of other negative things could be the result. Reason began to kick in and so I started to do my research.

What prompted me to start my search was I found myself in a rush and I know being in a rush is usually not good. I finally got a call from NY and it was the manager. He asked if I had got started then I told him my credit union put a 4 day hold on check. All of a sudden this man whom spoke with an accent mentioned to me that he has another secret shop for me to do now, can I come up with about $100 that changed to $200 before the end of the conversation to do another secret shop. This was to cover the cost of delays and UPS shipping fees or something. I then became suspicious because I only had $200 in the account at the time so I am really skeptical. Had I had more than I probably would've fallen for it.

Many people go ahead and deposit the check and think that its cleared because the check is a real check. The bank or credit union actually accepted it so on my statement was over $2000 dollars. I actually feel like I have this money in my grasp but since it was my first time, I didn't go on a shopping spree. Instead I played it cool. My temperament was equanimous (even-tempered), thanks to the free training and meditation I had taken during my Vipassana meditations retreat. For 10 days I had taken a vow of "noble silence". This is great for controlling anger and getting rid of the deepest levels of negativity. The waiting list was well worth it, being that the course is free for 10 days. Besides, I know what buyers remorse feels like if the check doesn't clear and by now my intuition is flaring within, trying to tell me something isn't right about this. All I was thinking was after the check deposits will I be in trouble for fraud? I mean at this point
  don't know so I made sure I kept the papers and envelopes and emails, just in case. 
Most average people who may just have the money to cover the check probably would just make the deposit and then buy up things in advance only to find themselves a couple grand short once its time for the rubber check to come bouncing into the bank account like mine did. This is unfortunately just one scam out of many and the fact is anyone is susceptible when the right one comes your way and depending on where your mind, or needs are at the moment, you can be willing to believe in it. Face it, there is positive and negative thoughts. Negative minds & realist, both look at a glass filled halfway with water as being half empty. They will doubt and assume up front that this check in the mail thing simply isn't true. They are pessimistic and will say things like, no one will give you something for nothing... What's the catch? Positive people are optimistic and may go for it, wanting to believe the best, like myself because they are honest and they truly want to believe that everyone else is honest too. They will say things like, I am good people and I treat people good so its got to be a blessing because I am long overdue. That's me!

Have you ever had your identity stolen? If the answer is no, than lucky you and believe me from what I hear you never want to experience that. It can take years to get this fixed. The fact is there are millions of legit things online that get you to buy so I won't stay off the Internet. It has become the new way of life and of communication in a computer age. I have become pro active now by making others aware and become an advocate against cyber crimes and financial fraud. Fortunately I didn't get in trouble. I was told to make a police report that I was able to do over the phone. My credit union didn't kick me out. I called them and told them what happened. The next week I cashed a check that I had covered in the bank and the funds were immediately available with no problem. I only had to pay a $10.oo reversed check fee. WHEW!!!!!!!!!

The fact is some scams we can walk away and laugh at. It just depends on how severe or damaging its effects are. Everyone has bought into something that didn't turn out the way we wanted it to and it doesn't necessarily mean that its a scam. Sometimes people have high expectations or secret contracts. Sometimes people simply don't read the small fine print. Scams, on the other hand are deliberate lies. They are meant intentionally for your loss and the selfish gains of the other party. It can also take an emotional affect on the person who is being scammed.

If the answer is yes to being a victim of identity theft, then by now, you realize the value of the Life Lock products which protect your credit. I now use this as a preventative maintenance because the bad guys have some of my information but I am protected with fraud alerts in place and everything so they can try if they want to but I am fully protected. Everyone should have this because of how tremendous of a role your identity plays in your life. Its not like buying a pen and if someone steals it then oh well, lets just by another. If you've been a victim before then you definitely don't want to let it happen again especially the higher your credit goes up. Also, don't be misled into thinking that only high credit scorers are the only victims because they aren't. Thieves steal identities for many reasons mainly to avoid tracking crimes back to themselves.
 I have also been victimized with credit fixing scams as well where someone promised to get my score to 720 in 90 days and after 90 days the number was disconnected. They got me for $99 dollars as a special but the price that they were charging others was $99 (times 3) per credit source agency. These are the lil scams that crooks hope you turn your back on and just forget about in a few months. Its small in a sense but lets not get it twisted, this is a federal crime! For the trouble I experienced and the set back of time, I could have paid someone who is legit and honest $600 or $700 to do it properly. It may or may not have been 90 days but if it took 6 months to a year than that would still be wonderful and gone with the wind fabulous as Kenya Moore would say.

Do people get credit restored in 60 days? Yes!
 There are some cases where something that impacts your score horribly comes off within the first 30 days and you may see a sudden spike upward in your score but it is the exception to the rule and not the rule. Most legit companies and credit unions will tell you that the process takes about a year. Its not so hard to get most things removed but you need advice to tell you how to boost your score. Not everyone is qualified or experienced to do so and every scenario is different. What worked for them may not work the exact way for you because its like going to a new casino with a new deck of cards, having a card game of new players every time.
If you really want to see a change for the better start fixing your credit today. You can begin to work toward this goal & this time next year a 700 or higher will be a reality and bad credit will probably never haunt you again if you've learned your lesson. Now that's real! If you don't know where to start and are just overwhelmed I got you! If you know how to dispute things but just don't have the time and simply want to pay the money, I got you too! If you want to make money while your credit is being fixed, simply telling others of the wonderful things you are experiencing, FES is the perfect fit for you & I highly recommend them.

FES also does credit fixing and counseling and I recommend them highly because the product works without the pie in the sky fantasy 90 day pitch. Yes change can occur in as little as 60 days but I like when people under promise and over deliver. That works for me.

Find out more about how you can protect yourself by using this company (FES Financial Education Services) They are listed with the BBB and have been in existence for over 10 years. Don't be afraid to get references or to search the background of any company first. The beauty about the Internet is that there is tons of information, some good, some bad but if its bad there may just be a few haters who may try and write up something bad about you. If you are a decent person you will find waaaaay more good that will out weigh the bad.

Haters are everywhere & unfortunately anyone can have a bad day. Somebody can say something negative about you or your company and for some of you reading this, they already have. In those situations, you simply have to let time be your friend and continue living in a way that will make others who speak evil of you be exposed as the liars they are. If its more severe and intentional lies that harm your reputation or business than a lawsuit may be what the doctor orders for defamation of character.  There is a difference in the company that I did the secret shopping thing with. They had tons of negative things written up about these companies and I couldn't find any good thing about them! It was an official scam!!!

The difference between good company's who have bad days are as such. Good people may make mistakes that they take full responsibility for and will make a mends and try to do right because they want to be in business tomorrow. True scammers are the ones trying to be deceitful and don't care about you or your well-being at all. They will be here today and gone tomorrow. They have no meaning of the word 'Integrity" & they have no conscious. They usually don't know you so therefore, don't take it personal if they attempt to scheme you. Its just the way that they get their money. You get your money making an honest and hardworking living while they like to scheme and prey on the vulnerable not thinking about the hardships that it causes the victim.

                                                                                                       - Jay Danzie


For more information on credit restoration that has a proven track record of successfully helping individuals get back on track with their credit, contact this number. They maintain an A rating with the BBB. They help to educate you, they offer life lock, they will prepare your will, your trust, power of attorney for health & hell, they will even explain to you what all this stuff is and why its important. Most people in a family don't even know where the paperwork is if they have to handle an unfortunate situation. They will not only give you a plan but give you a protective box to keep all your important papers in. FES are not the cheapest but they are one of the best!!! I highly recommend them.
Click on the link for videos and info
or call for a FREE consultation and start TODAY!
FES -Financial Education Services
in the USA -323-332-6943

Also, don't forget to secure your home if you haven't done so by now. Nothing gives you more of a piece of mind when your gone than having a monitored system. Every homeowner should have one. ADT is the most chosen & has a lot of new offers that constantly change. They have also been in business for 130 years for home protection. They aren't trying to sell you cable and telephone services, etc. They do what they do best and that's protect the things that matter most to you! This number is the corporate office and not some dealer who takes short cuts on service.

ADT Security

Use reference code listed for the latest discounts and a FREE security review, and equipment. They usually have the New Pulse system starting from $49.00 to $99.00 on special when you call the special number above. A representative will tell you what it is when they arrive looking very professional.

The Mystery Shopping Providers Association has issued a scam alert.

 Refuse to be the victim and report any scams to

StopFraud.gov - Financial Fraud Enforcement Task Force

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