Remar's Report

5 Steps to Help Protect Your Privacy and Financial Information

December 2016

Identity theft and fraud that target your financial information and well-being is on the rise. The Federal Trade Commission reported a 47% percent increase from 2014 to 2015 in identity theft complaints .Even more, a Department of Justice Survey indicated that 17.6 million Americans experienced identity theft in 2014. Though digital devices and online connectivity certainly make life more efficient and convenient, the advantages may also lead to increased risk of identity theft and financial fraud that target your money. Taking the following five steps can provide significant protection for yourself and your money.

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What to Do if Credit Report Errors Ding Your Wallet and Life!

November 2016

Errors in the information on your credit reports can hurt your financial and personal life. Errors can lower your credit score, resulting in paying higher interest rates on car loans, mortgages, and credit cards or even being turned down for a loan. Insurance companies and employers often use information based on your credit report to make decisions; erroneous information on your credit report could mean paying more for insurance or being turned down for a job. Checking your credit report regularly using www.annualcreditreport.com can help you correct errors in a timely manner.

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Use Caution with These Two Popular Ways of Financing a Home with Poor Credit

October 2016

Owning a home is what many people dream of and work hard towards. However, the combination of tightened mortgage requirements after the 2008 housing crisis and the slow post-recession recovery of employment and income for many Americans has meant that many people may not qualify for a conventional mortgage. Having a spotty or poor credit history makes it hard to meet these mortgage requirements.

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Documents You Need to Manage Life’s Events

September 2016

Life can be unpredictable and trying to manage both the expected and the unexpected can be difficult. Planning ahead, however, can help you and your family cope with the unexpected, while also managing the expected. Every adult, no matter their age, should make the effort to plan. By having the following documents in order, you can ensure that your wishes are carried out and help avoid family confusion or conflict.

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Working to Pay Down Debt? Avoid Debt Relief Scams and Bad "Services"

August 2016

Millions of Americans owe thousands of dollars on credit cards, student loans, medical bills and other unsecured loans or bills. Many are struggling every month to make minimum payments on what they owe. Even people who are managing their payments would love to pay less. Such circumstances make consumers with debt easy targets for debt relief and debt consolidation scams and schemes.

It’s important that you protect yourself from phony or ineffective debt relief or consolidation schemes that may cost you more money and ultimately increase your debt. These scams often open you up to identity theft, and generally dump you in financial "hot water." Here are some major red flags that we have identified from scammers to help you protect yourself.

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Renting a Car on Vacation: Understanding What Insurance You Need

July 2016

Renting a vehicle is common among vacationers, especially those enjoying a "destination vacation." When renting a vehicle, it’s important to understand your insurance options so you can determine which option provides the best coverage for your rental. Ask yourself: should I take the coverage offered by the rental company or will coverage provided by my personal auto insurance policy and the credit card used to rent the car be adequate?

Finding the best insurance coverage for the vehicle you rent depends on the answers to several important questions. In most cases, the coverage provided by your personal auto insurance policy and credit card will be both excellent and least expensive. But in other cases, the coverage provided by the rental agency may be your best choice, even though it may cost more.

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