Should I Check My Credit Score?

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There have been thousands of scams around the world during the pandemic. Millions of dollars have been lost by consumers. So, have you checked your credit?

CHARLOTTE, NC – Shopping online these days? Here is why you should watch your credit score.

With so many different types of scams, it’s a good idea to find out if your credit has been affected. This is a problem that seems to be increasing every year. Last year in 2020, consumers lost $ 3.3 billion to fraud, which is a huge jump from the previous year.

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If you shop online (most of us do) and have done a lot in the past 18 months, you need a credit card to make it happen. But how often do you check your credit? Every year you get a freebie, but because of the pandemic you get more apple bites, so you can check back more often.

WCNC Charlotte always asks “where’s the money?” If you need help contact the Defenders team by email argent@wcnc.com.

“You really need to know what’s going on with your account, because of the pandemic you can check for free until April, after that it’s once a year, but I don’t think it’s even often enough”, Mark Henry of Alloy Wealth Charlotte management said, “I actually pay for a service to monitor my credit. ”

“It’s okay to be skeptical when people send you free stuff or ask you to complete something because you’ve won something,” Henry added.

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With so many cybersecurity threats in the news, he said it’s important to lock everything down, passwords, accounts, and be skeptical of what you click.

Random links through coupons or online social media games may contain malware that infects your device. If your information is compromised, you won’t know it unless you verify.

RELATED: Over Half of All Americans Have Credit Card Debt. Here’s how to better manage your balance

Here’s an extra layer to that. This is called a refund recovery scam. After you’ve lost your money, someone sends you an email to let you know they can help you get the money back. – for an additional cost.

RELATED: She Was Being Charged For A Service She Didn’t Have. Then she had McGinty

If you pay them something to try and get your money back, you will lose that too. It’s really best to be skeptical at first so that you don’t end up in this situation.

Contact Bill McGinty at bmcginty@wcnc.com and follow him on Facebook.

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