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Experian Data Breach Settlement (Claim $40 at ExpDataBreachSettlement.com)

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www.ExpDataBreachSettlement.com

Class members can claim up to $40 in Experian Data Breach Class Action Settlement.

The case was under review in the U.S. District Court, Central District of California.

The deadline to file a claim form has passed (claim form deadline was 4/11/2019).

You can still learn more about the case by visiting www.expdatabreachsettlement.com.

It is being reported that nearly 16 million people were affected by this data breach.

Experian Data Breach Settlement

A mind-blowing 22 million dollar settlement has been reached to resolve the 2015 Experian Data Breach where hackers made of with consumers names, addresses, Social Security numbers, dates of birth, identification numbers (driver’s license numbers, military ID numbers, or passport ID’s!

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Experian admits no action of wrongdoing but has agreed to the $22,000,000 settlement in order to avoid further court cost.

ExpDataBreachSettlement.com Payments?

Class members who file valid claims by 4/11/2019 will receive two years of free credit monitoring and insurance services as well as up to $40 in a cash payment.

The exact settlement any one class member will receive may differ.

Experian Data Breach Class Action Settlement Claim Form?

Class members have several options when filing a claim to receive a slice of the 22 million dollar settlement pie.

Please note you must have the 12 digit claim number in order to file a claim.

The 12 digit Experian Data Breach Class Action Settlement claim number will be located above the class members name on the notification letter.

ExpDataBreachSettlement Contact Information

Any questions in regards to the case can be directed to 1-844-730-2030.

The Experian Data Breach Class Action Lawsuit is entitled In re: Experian Data Breach Litigation and is under review in the U.S. District Court for the Central District of California.

Class members do not have to hire a lawyer as the court has already appointed Daniel S. Robinson from ROBINSON CALCAGNIE INC.

Daniel S. Robinson can be reached at 888-348-8855.

All claim forms MUST be in before 4/11/2019.

Settlement Link: www.expdatabreachsettlement.com

 

AAA Dollars MasterCard Reviews: What’s Not to Like About This Card?

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acgcardservices.com

AAA Offers Three Rewards Credit Cards

The above three credit cards are offered to AAA Members to earn credit card rewards.

Each card has a different rewards structure and the best card for you will depend on your reward goals.

Overall, the AAA Dollars Plus Card is going to be the best card for most consumers.

It awards 3% cashback for travel, 2% cashback for gas, groceries, and drug store purchases, and 1% back on all other purchases.

All of these cards have no annual fee but it is important to note that availability may depend on your location.

AAA Dollars MasterCards
AAA Dollars MasterCards – Three cards are offered with varying reward programs

AAA Dollars Plus MasterCard

As mentioned above, for consumers who are eligible for the Dollars Plus Card, this will likely be the best option.

The reward rates described above set this card apart from the other options.

This card will be especially useful for travelers.

aaa credit card login

The card has no annual fee and there is are no foreign transaction fees for using your card abroad.

There is no limit to the total amount of AAA Dollars you can earn in a given year.

Rewards can be redeemed as:

  • Cash Back
  • Statement Credit
  • Giftcards
  • Charitable Donations
  • Merchandise

AAA Dollars MasterCard

The AAA Dollars Card is a very standard rewards card.

Customers earn 1% on all purchases they make with their credit card.

This is a nice card for customers who are looking for a simple card but if you are eligible for the Dollars Plus Card, the decision is a no brainer.

This card does not provide nearly as strong of a rewards plans compared to the Plus card and should only be considered for those not eligible for the Plus.

The AAA Dollars earned can be redeemed for the same type of rewards as the Plus Card.

www.acgcardservices.com

AAA Dollars Gas Rebate MasterCard

The Gas Rebate Card is a unique option of the three AAA Credit Cards offered.

Unlike the other two cards, this card is specific to gas rewards.

All gas purchases will earn 5% back.

There is a catch to this rewards rate though.

The 5% back is eligible only for the first 2% total spending on your card monthly.  If you spend a lot on your card, this will not be an issue.

For customers who are only planning on using this card for gas, you will be disappointed to find that you will not earn your full 5% rebate.

You gas rebate will automatically be applied to your monthly statement.

Managing Your AAA Card – ACG Card Services

If you have one of the AAA Credit Cards you account will be managed online with ACG Card Services.

Before you will be able to access your account you will need to enroll your card.

During the process, you will first need to verify your account.  To do so you will need to provide:

  • Full Credit Card Account Number
  • The Security Code on the back of the Card
  • The last 4 digits of your SSN
  • The zip code for your card

After account verification, you will then create your login ID and password.

This will be used for accessing your online account moving forward.

Once logged in you can manage your account settings, view your charges, make payments, and review statements.

Your AAA rewards can also be accessed online.

Selections can be made for how you would like to redeem your AAA Dollars earned with your card.

Not a AAA Member?  Learn more about great Reward Credit Cards!

AAA Dollars MasterCard Customer Service Contact

ACGCardServices

  • Send a Payment: Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408
  • Overnight a Payment: Cardmember Service Attn: 790408 824 N 11th Street St. Louis, MO 63101-1016
  • ACG Card Services Phone Number 800-328-4850 (24 hours a day 7 days a week)

For detailed questions about your account, you’ll need to log into your AAA Dollars Mastercard account online so that we can authenticate that you are the card owner.

  1. Log in to your account
  2. Go to the Services page, select Contact Us
  3. Click on the Email Us link

Final Thoughts – Which AAA Card Is Best For You?

Overall, the AAA Dollars Plus Card is far and away from the best option.

Apply now at www.acgcardservices.com and thank me later :).

This card provides the best rewards and benefits. Not all customers will be eligible for this card but those who are should definitely opt for the Plus Card.

Some consumers will find the 5% gas rewards to be a good option but it will be contingent on high spending. The only way to take advantage of the full 5% back is to spend quite a bit on additional purchases.

Even in this case, other card options will still be a better choice for maximum earnings.

Related Content: Need a credit boost? Check out our Experian Credit Boost Review and learn how to increase your credit score in just a few minutes with one simple trick.

Do you have a AAA Credit Card?

What are your thoughts and which card best suits your spending habits?

Helpful Links:

American Express PBC Credit Card Payment (Pay Quick and Easy)

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americanexpress.com/pbc
LIFE IS GOOD WITH THE AMEX GOLD CARD

American Express Pay by Computer

If you are lucky enough to have an American Express credit card you will want to set up automatic online payment.

To begin simply visit www.americanexpress.com/pbc and login to your account.

Customers also have the option to pay via US Mail but why would you in this day in age (if making a payment by mail please make the check out to American Express).

If you do pay by mail please do not staple or use paper clips.

American Express Card Payment by Phone?

Yes. You can pay an AMEX credit card over the phone (additional fees may apply?).

To pay your American Express credit card over the phone please dial 1-800-472-9297 (please have your account information and PIN on hand).

Best American Express Credit Cards?

  • American Express Magnet: Ideal for flat rate rewards
  • AMEX Gold Card: Best for cashback rewards (also can be combined with Amazon.com account)
  • The Platinum Card from American Express: This is for consumers who think they are better than everyone else
  • The Business Platinum Card from American Express
  • Gold Delta SkyMiles Credit Card
  • Blue Delta SkyMiles Credit Card
  • Hilton Honors Card (a good card for consumers who stay at Hilton properties on a semi-frequent basis)
  • American Express Green Card
  • Marriott Bonvoy Brilliant American Express Card (Escape to Luxury)

You can always apply for any of the above-mentioned cards at www.americanexpress.com/us/credit-cards.

Related Content: Have bad credit? Can’t obtain an American Express card? Check out our list of best credit cards for bad credit now and thank us later.

Americanexpress.com/PBC Customer Service

Bottom Line?

The easiest way to pay down and American Express credit card is online (and we suggest setting up automatic payments).

American Express Pay by Computer

Looking for a non-American Express credit card?

Here are some options…

Discover IT Card, Lane Bryant Credit Card, and the Fortiva Credit Card.

Please note the Fortiva card targets consumers with subprime credit.

The Discover IT card is best for your everyday consumer with a good to great credit score.

Login and Pay Now

American Express activities & Statements

You can always wait for your statement to arrive in the mail which will show your spending activities

OR go to global.americanexpress.com/login and access your AMEX account online.

Alliant Visa Signature Card (Best Cash Back Credit Card On Earth?)

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alliant visa signature

Alliant Credit Union Cash Back Card

In recent days there has been some talk about which card is the ultimate cashback credit card.  MarketWatch recently released a piece arguing that the Alliant Visa Signature Card is the number one cashback credit card.  The author brings up some great points.  There is no doubt that this is a great cashback option.  Let’s take a closer look and see if it is truly worthy of the top spot.

Alliant Visa Signature Card
Alliant Visa Signature Card – Sleek Black Design

Card Features and Benefits

  • First-year 3% cashback
  • 2.5% cashback after the first year
  • Interest rates as low as 12.49%
  • Excellent credit history required
  • Travel and rental car insurance
  • Identity fraud protection for cardholders
  • No foreign transaction fees
  • $99 annual fee (waived year one)
Earning Cash Back With Your Card

This card is specifically designed for high spenders.  Customers have the chance to earn among the highest cashback rates with each purchase they make.  For the first year, cardholders will earn 3% back on every purchase.  After the first year, the rate is reduced to 2.5%.  There is no limit to the total cashback which can be earned annually.  All of your reward rates are eligible for every purchase.  This card does not use any categories for cashback bonuses.

Low Rates, High Credit Limit, Excellent Credit

The Alliant Signature Visa is suited for consumers with great credit.  To be approved for this card you will need a stellar credit score and credit history (learn more about building a great credit history).  With this in mind, this card offers very low-interest rates – as low as 12.49%.  Compare this to an average of about 20% and you will see how low these rates actually are.  The card also offers a high credit limit.  Your total credit limit and your interest rate will depend on your creditworthiness.

alliant cashback visa signature review

Travel/Rental Insurance Coverage and Fraud Protection

Cardholders will receive a number of additional benefits.  Among them is $250,000 in accident coverage when traveling.  Additionally, when you pay for a rental with your card you will automatically qualify for an Auto Rental Collision Damage Waiver.  This will provide you insurance for your rental vehicle.

Customers will also be protected up to $5,000 for personal ID protection.  In the event your identity has been compromised you will be covered just by being a cardholder.

Credit Card Fees

The primary fee to be aware of with this card is the $99 annual fee.  This will be the biggest factor consumers will need to consider when deciding if this is the best card for them.  We will discuss this more shortly but needless to say, this fee will directly cut into your cashback earnings.  Your annual fee is waived for the first year.

Cardholders will not be subject to credit card transaction fees when using their credit card overseas.  Returned or late payments will be subject to a fee up to $27.  Balance transfers are subject to a 3% transfer fee.  Finally, there is no fee if you exceed your credit card limit – this is a great perk for big spenders who the card is designed for.

Is The Cash Back Rate Worth The Annual Fee? 

The main question consumers need to consider is whether or not the annual fee makes the big cashback rate worth it for them.  There are several cashback credit cards with no annual fee that offer 2% cashback.  This means you will earn an addition 0.5% back with The Alliant Signature Visa Card.  In order to make up for the annual fee, you will need to have $20,000 in annual spending.  This comes to about $1,700 per month.  If you consistently spend about this amount or more you will be profiting with this card compared to top competing cashback options.

It is also important to note that the card’s annual fee is waived the first year.  You also earn an extra half percent during the first year.  This will add additional value to the card compared to other cashback card likes the Citi Double Cash which earns 2% back.

More Credit Card Related Resources – Top Cards By Category

Alliant Visa Signature Card Drawbacks

The primary complaint with this credit card is the annual fee.  However, we have already discussed this and if you are a big spender this will not be a huge factor.  One other downside to this card is that it does not offer a new cardholder sign up bonus.  This card is very straightforward and does not provide an additional sign up bonus.  The appeal is big cashback with great benefits.  There are no other significant drawbacks for this credit card.

Final Thoughts – Is This The Best Cash Back Card Around?

Alliant Cashback Visa® Signature Credit Card…

There is no doubt that this card is among the top cashback credit cards.  If you spend at least $20,000 annually on your credit card it will be hard to find a better cash rewards card.  For moderate spenders, there will be better options around to avoid paying an annual fee.  This card also requires excellent credit for approval.  It has been ranked as the top cashback credit card by many reputable outlets and it is worthy of that distinction.  If you have great credit and high spending this card needs to be strongly considered for a place in your wallet.

What is your favorite rewards credit card?  Let us know in the comments below!

Betterment Everyday – High Interest Savings

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New Account Options With Betterment Earn Up To 2.69%

High interest saving accounts are in high demand.  Consumers are sick and tired of leaving their money in accounts that earn almost no interest.  The national average is currently at 0.1% annual interest for savings accounts per the FDIC.  Citi Bank recently released their new Accelerate Savings Account – a high interest savings account with rates up to 2.36%.  Many other banks are following suit.  This new offer from Betterment is one of the best high interest offers around.  Customers will earn up to 2.69% (includes 0.25% promotion interest boost).  Let’s take a look at the details.

Interest Rate Analysis

The base level interest rate for the Betterment Everyday Savings Account is 2.43%.  At this time, potential clients who sign up for the Betterment Checking Account Wait List will receive an additional 0.25% interest rate boost.  This will bring their total interest rate to 2.69%.  This offer will be good through at least the rest of the 2019.

The interest rate boost will apply to cash deposits in to your Betterment Savings Account.  If you qualify for the interest rate boost you will be enjoying some of the highest interest rates we have seen for a savings account.  Even without the rate boost, customers will still be receiving a very high interest rate – among the best available.

Account Features – Checking and Savings

One of the primary features of Betterment is to provide all of your financial services in one place.  To open a savings account you will need to have an minimum balance of $10.  At this time, the checking account services are set to be released soon.  Signing up via their wait list will allow customers access tot he interest rate boost for their savings account.  Once available the checking account will function similarly to other checking accounts.  The Betterment Visa Debit Card will be available once the service goes fully live.

Using the Betterment App customers will have access to all of their Betterment Accounts.  You will be able to view your balances for retirement and investment accounts along with your banking accounts.

Fee Structures With Betterment

High yield interest aside, The Betterment Checking and Savings account feature huge benefits when it comes to their fee structures.  As mentioned above, there is a $10 balance minimum to maintain an active savings account.  There are no maintenance fees for your checking and savings account.  Additionally, customers are not charged overdraft fees.  Finally, your ATM expense fees are reimbursed.

Additional Betterment Services

Betterment falls in to the category of web-based personal finance solutions – much different than traditional credit unions and banks.  There are several popular competitors in this space including Mint, Robinhood, and Wealthfront.  These services all aim to provide easily, internet based solutions to money management.  Each of them have some relative pros and cons when comparing them to one another.  One of the primary appeals of Betterment is that is focuses is on nearly all major financial services.  It will soon provide all common financial services with the introduction of the Betterment Checking Account.

Investing With Betterment

Betterment provides a robo-investing service that charges an management fee of 0.25%.  This fee is very much in line with what many major funds charge.  The appeal of robo-investing is that it controls the management aspect of your account.  Customers do not need to worry about allocating their investment.  Your funds will be invested based on their assessment of your investment needs.  Dividends are automatically reinvested.  Furthermore, your account is periodically re-balanced to match the market environment.

Retirement Accounts

In addition to the traditional investment account, Betterment customers can also open retirement accounts.  Accounts offered include traditional IRAs, Roth IRAs, and SEP IRAs.  Similar to the investment tools, your account will be managed for you.  Your account allocations will be based on the retirement goals based on your age and income.

Safety Net Account

The Safety Net Account is a unique service provided by Betterment.  This account allows customers to invest money in much safer investments so that the money will be more secure.  Instead of heavy investment in stocks, much more of your money will be deposited in to bonds.  This provides additional safety in the event of a market downturn to protect your Safety Net Funds.

Additional Personal Banking and Personal Finance Resources

Final Thoughts – Betterment Everyday Checking and Savings

If you are looking for new banking services the Betterment Everyday Accounts are great options.  Customers who are interested in the high interest rate should sign up for the checking account wait list to ensure they have access to the 0.25% interest rate boost.  Betterment offers no fee checking and savings services with a very low minimum deposit of only $10.

The best thing about these account services is that if you are pleased with Betterment you have the option to expand to their other services.  Whether you are looking to create a Safety Net fund or need investment services you will have all of these services available with Betterment.

Save With Prosper Personal Loan Review (Will You Prosper With This Loan?)

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www.savewithpropser.com

Prosper Personal Loan Review (2019)

Personal loans are a powerful financial tool but knowing when to use them and which company to do business with is critical to utilizing this type of loan correctly.  Prosper offers personal loans which can be tailored to meet customers needs.  Personal loans range from $2,000 up to $40,000.  Repayment terms can be set for three or five-year increments.  Best of all, you can check your rate without impacting your credit score.  We will review the features, benefits and when a personal loan might be the right choice for you.

Prosper Personal Loans
Prosper Personal Loans Offer Low Interest and Fixed Rates

Proper Personal Loans Key Features

When searching for a personal loan there are several key factors to consider.  The most important question to ask is what you are using your loan for.  Will you save money over the life of your personal loan?  Is the need for funding pressing?  These are questions that can only be answered on a case by case basis.  Several key factors that will apply for all loan seekers include:

  • The interest rate of your personal loan
  • Terms of the loan – how many months/years for repayment?
  • Fees associated with the loan (origination fees, early repayment, etc)
  • How quickly are funds disbursed after approval

The above four key points are going to be the features you will want to focus on when selecting which bank you do business with.  Ultimately, whichever bank provides you the lowest interest rate will be your best bet – all other factors being equal.  With this said, one of the most concerning features about Prosper Personal Loans is that the origination fee varies between 2.41%-5%.  At a 5% fee, a $10,000 loan would result in $500 in charges right off the bat.  This is why it will be important to compare all factors when making your decision.

HOT TIP: If you received the mailing offer and know you want to apply please visit www.savewithprosper.com now and avoid reading the rest of this write-up!

Save With Prosper Personal Loan Mail Offer

If you have received a direct mail offer with Prosper you are invited to view your rate with no impact to your credit score.  If you are interested in accepting your loan, you can then complete the entirety of the application process.  First, you will need to complete the following short form:

Save With Prosper Confirmation Number
Save With Prosper Confirmation Number

After entering your confirmation number you will be transferred to your offer.  Here you will be able to view the interest rates and select the funding level you are interested in receiving.  If you have arrived at this page but do not have a confirmation number you can still proceed with the loan process.

When Is A Personal Loan Right For You?

For a full review of personal loans and when they may be a good option, I recommend reviewing our overview article about personal loans.  One of the most common reasons individuals seek personal loans is to pay off high-interest credit card debt.  This can be a great financial process to save money.  The most important consideration, in this case, is determining the total cost of the loan and the total cost of not taking out the loan.  Fees like the initial origination cost of the loan should also be considered.

Interest rates with Prosper can be significantly lower than a typical credit card.  Credit card rates are typically around 20%.  A Prosper Personal Loan may be lower than 7%.  In this case, there is a great chance that you will save significantly over the life of your repayment period.

Another common reason for taking out a personal loan is unexpected financial burdens.  These will need to be viewed on a case by case basis.  Fortunately, funding with Prosper can be received in less than a couple of business days.  In these instances, the speed of funding is often a major factor.

Prosper Loan Fees

As mentioned above, the most worrisome fee with Prosper Personal Loans is the origination fee.  There are many personal loan options (such as The TD Express Loan or SoFi Personal Loans) which do not charge any origination fee.  Potential Prosper customers need to include the cost of their origination fee when determining if their loan is a better option than a competitor.

Most personal loan issuers all charge some sort of late payment fee.  Prosper is no different in this regard.  Customers will incur a $15 or 5% of balance late payment fee when they miss a payment.  This is a fairly steep charge and customers should make every attempt to avoid missing a payment.

Other Options?

Like credit cards, we (i.e. CreditLiftoff) always suggest doing your research for the lowest rate before signing off on the dotted line.

Check out the following personal loan offers before committing to SaveWithProsper Offer 🙂

Final Thoughts – Prosper Personal Loans

Overall, due to the origination fees, there will likely be better options available for many consumers.  However, as you can check your interest rate at no cost, savvy consumers should absolutely see what their interest rate will be with Prosper.  If Prosper is offering you a much lower rate, then the origination fee may be worth paying.  Have you taken out a personal loan lately?  Which provider did you use and why?  Let us know in the comments below.

Helpful Links:

www.SaveWithProsper.com

www.Prosper.com/personal-loans/save-with-prosper

Free Credit Score Check With Credit Sesame – Is It Worth It?

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www.creditsesame.com login

Credit Sesame Review: Legit Free Credit Score? (2019)

  • Obtain a free credit score with Credit Sesame
  • A credit card is NOT required and it won’t impact your score
  • Knowing your credit score is a must as it will help you save money on loan rates
  • Must be 18 years of age older and a legal resident of the United States
  • Credit Sesame is safe and easy to use

Your credit score is based on 3 main factors:

  1. Payment History: Do you make on-time payments
  2. Credit Utilization: Comparing how much total credit you have available to borrow with the amount of debt owed helps banks understand your credit utilization
  3. Credit Age: Lenders like to see older credit accounts

Users who sign up with Credit Sesame will have access to their Vantage Credit Score immediately.  Your score and your credit profile is updated for free each month.  This allows Credit Sesame users to track their score overtime and understand how their financial habits impact their credit.  Free credit monitoring is a great way to be smart about your credit.

Check out Credit Sesame vs Credit Karma to obtain more details in regards to this credit score monitoring company.

Why Should Consumers Check Their Credit Score?

  • Monitor their credit report for reporting errors
  • Understand how competitive you are for credit and loans
  • Track your score over time to make sure you are building your credit
  • Credit scores are used for more than credit – insurance rates, housing and more all rely on credit history
  • Look for opportunities to improve your credit

Credit scores are not only important for people looking for a new loan.  Credit histories are reviewed for many everyday things and having poor credit can impact you negatively.  For instance, many insurance rates are in part determined based on credit reviews.  Even new employers may review your credit history before hiring your to a job.

Not knowing your credit is a huge mistake that far too many people are guilty of.  Free options like Credit Sesame make it so that there is little excuse not to stay on top of your credit.  Consumers need to make their credit score a priority.  Credit Sesame provides several free tools to help consumers understand their score and learn way to improve their credit.  For additional information about one of the easiest “hacks” to improve your credit, learn more about Credit Utilization and how you can quickly improve your score.

Credit Sesame Customer Service

  • For help: help@creditsesame.com
  • For feedback: feedback@creditsesame.com
  • 444 Castro St., Ste 500, Mountain View, CA 9404
  • 100 Montgomery St., San Francisco, CA 94104

What about a Credit Sesame Phone Number?

Unfortunately, Credit Sesame does not provide a toll-free number.

They state the following “At Credit Sesame we are all about using technology to help our members. Email allows our support team to be more efficient and respond more thoroughly with helpful links, screenshots, and articles. Use this form to send our Member Success team an email or email us anytime at help@creditsesame.com”.

Please note usually, People often get confused between credit scores and credit reports. Whereas a credit report consists of detailed information of your credit card transactions, and credit score is generated based on that your credit report. Read about the major difference between the credit report and credit score.

Equifax Breach Settlement – Claims Now Being Accepted

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**Updated** Claims Now Being Accepted

As of 7/24/19 claims are now being accepted for the Equifax data breach.

Impacted individuals can verify their claim eligibility using the eligibility checker tool.  You will need to provide your last name and the last 6 digits of your social security number in order to verify your eligibility.

Claims can be filed online through the claims website.  You will need to complete the entire claim form which will depend on the way you were impacted by the data breach.

Claims can also be filed by mail.  A hard copy of the claim form can be printed and sent to the following address:

Equifax Data Breach Settlement Administrator
c/o JND Legal Administration
P.O. Box 91318
Seattle, WA 98111-9418

What Are The Current Benefits For Class Members?

There are three benefits for consumers who were impacted by this data breach.  The proposed settlement benefits are as follows:

Free Credit Monitoring or a $125 Cash Settlement

Eligible members of the settlement will be eligible to receive 6 years of free credit monitoring.  This service will include monitoring by the three major credit bureaus and will be offered through Experian.  A one time payment of $125 may be available for class members who have already have credit monitoring services.

Expense Reimbursements

Cash payments of up to $20,000 will be made available for the following situations:

  • Time spent repairing damage due to stolen information.  Up to 20 hours at a rate of $25 per hour
  • Reimbursement for out of pocket expenses due to your data being breached
  • 25% reimbursement for Equifax credit monitoring during the year prior to the breach
Identity Restoration Services

If you were the victim or ID theft or fraud you will receive up to 7 years assistance restoring your identity.

Original Information Provided About This Settlement Can Be Found Below.

Potential Progress On Data Breach Settlement

The big news in the world of credit and identity protection in September, 2017 was the massive Equifax Data Breach.  Nearly two years later it appears there may be progress regarding the class action settlement.  Yesterday (July 22nd, 2019), the court has decided to review a potential settlement for this lawsuit.  No approval has been reached but it appears the end of this suit may be approaching.  This article will be updated as more information about the settlement becomes available.  Here is what we know right now.

Who Will Be Members of This Class Action Suit?

Approximately 147 million people were impacted by this data breach.  At this point it is possible to determine if you are a member of the claim class.  This feature will be added to the claim website only when a settlement has been approved.

Receiving benefits from the claim is expected to be limited to individuals who can provide direct proof of fraud or ID theft due to the breach.  This would also include individuals who had to take preventative measures to protect themselves following the data breach.  More specific information will be available once the lawsuit has been finalized.

If you suspect you are a member of the claim class you can sign up for email updates with the FTC.  As new information is released you will be provided updates with the status of the settlement.

Related Content

  1. Chong Class Action Settlement (Shellpoint Mortgage Suit)
  2. Sonic Drive In Data Breach Settlement
  3. JP Morgan Retirement Plan Class Action Settlement

Can Impacted Consumers File A Claim?

At this time individuals are not able to file a claim to be part of the class action benefit class.  As mentioned above, if you suspect you are eligible to participate in this class action suit you should sign up for the FTC email alerts.  Sign ups will be notified when the class action settlement has been approved.  At that point the claims process will be opened up for the public.

Helpful Contact Information

Claim Information By Phone: 1-833-759-2982

Equifax Data Breach Settlement Website:  www.equifaxbreachsettlement.com

Pre-Qualifying For Citi Credit Cards (Secret Tips and Tricks)

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pre-qualify Citi Credit Cards

How To Check Citi Card Pre-Qualifticaion

Consumers can easily check their pre-qualified offers with Citi Bank Online.

Simply visit the Citi Pre-qualification Page to begin the process.

Customers will need to provide some very basic information to get started.

  • Provide your full name
  • Enter your home address
  • Provide the last 4 digits of your SSN
  • Select the type of card you are interested in

pre qualify citi cards

Once you provide the personal information in the online form you will also be able to customize your offers.

Citi invites customers to select the type of credit card they are interested in applying for.

This would include options such as travel, cashback, low interest, and more.

After you select your desired card type, Citi will review your information for offers you pre-qualify for.

Pros and Cons of Citi Pre-Qualified Offers

Fortunately for consumers, there is very little downside to viewing your offers.

The Citi pre-qualification does not require a hard credit pull.

This means that consumers credit will not be impacted by checking your offers.

Citi will perform a “soft review”.

Looking to open a checking account? Want to earn bonus cash for doing so?

Check out our Best Checking Accounts Bonus To Stash Your Cash.

Soft credit pulls do not show up on your credit report.

If you are approved for a card you will need to complete the entire application including a hard credit check.

Another big benefit of credit card pre-qualification is that you can review credit cards you are likely to be approved for before applying.

Consumers have a big advantage if they have multiple cards you have been pre-qualified for.

This is one of the big reasons I encourage consumers, not to opt-out of prescreened offers.

Pre-Qualified Mail Offers

Mail (or email) offers are another source for finding pre-qualified credit cards.

If you have received an offer in the mail from Citi Cards you can also view your offer by providing the invitation code you received.

Entering Your Citi Bank Invitation Number
Entering Your Citi Bank Invitation Number

The Citi Pre-Qualified page is designed for all customers.

Even if you have received a mail invitation for a Citi Credit Card you can enter your information to see if there are other options available.

Pre-Qualified Citi Card Customer Service

If you have any questions in regards to the pre-qualification process associated with a Citi card offer please dial toll-free 1-800-950-5114 or TTY: 1-800-325-2865.

If you’re looking to apply for a Citi credit card or check the status of a pending application please dial toll-free 1-888-201-4523.

If you’re a Costco fanboy consider the Citi credit card. To apply dial 1-877-343-4118.

Citi mortgage? Dial toll-free 1-800-248-4638.

Citi Pre-Qualified Offers – Does It Guarantee Approval?

The short answer to this question is absolutely not.

During the credit card application process, Citi will review your credit history with a hard credit inquiry.

This is the type of inquiry that will be reflected in your credit report.

With this said, if you have been pre-approved, your likelihood of final approval is extremely high (much greater than 50%).

see if you're pre qualified credit cards

Pre-qualification offers are not based on a full review of your credit.

If you have significant issues in your credit these may come up during the full review of your application.

Pre-qualification offers are especially great if you have had trouble getting approved for credit cards.

You can also review our list of cards designed for consumers with fair credit.

As you build your credit you will find you will quickly begin receiving offers for even the most premium credit cards.

JetBlue Mastercard Activation, Review, and Benefits

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jetbluemastercard.com/activate

The JetBlue MasterCard By Barclay

The JetBlue Credit Card is a very popular travel card that allows cardholders to earn rewards with JetBlue Airlines.

The card provides a hefty sign-up bonus and multiple categories to earn bonus points when using your card.  Highlights of the JetBlue card include:

  • 3x points for all JetBlue transactions
  • 2x points for restaurant and grocery purchases
  • 1x points for all other purchases using your card
  • Sign up bonus currently at 10,000 bonus points
  • No blackout dates and points do not expire
  • No foreign transaction fees
  • Zero annual fee

There are two features that are particularly impressive.  First, this card has zero annual fees.  Most airline credit card charge an annual fee which makes this a big-time benefit.  Furthermore, this card provides a 2x category for groceries and restaurant purchases.  This will allow cardholders to earn points much faster than competing cards that do not include a bonus category.

MyJetBlueMasterCard
The JetBlue MasterCard – Features a sharp blue and green design

New Cardholder Sign Up Bonus

The JetBlue MasterCard provides a sign-up bonus for new cardholders.  Currently, new customers can earn 10,000 bonus miles when they complete the necessary spending requirements.  When you spend $1,000 in the first 90 days of opening your new card you will qualify for the sign-up bonus.

Relatively, this is a very low spending requirement.  Many consumers are not attracted to new credit card offers that bonuses with huge spending requirements.  Potential cardholders will find this new sign up bonus very achievable in the 90-day time frame.

Applying For The JetBlue Credit Card – My Jet Blue MasterCard

The JetBlue MasterCard can be applied for online at the My Jet Blue MasterCard website.  When you following the Apply Now link you will be transferred to the application.  Completion of the application requires several sections which must be completed.

  • General cardholder information
  • Employment and financial information
  • The contact information of the applicant
  • Security and verification information

JetBlue Trueblue Members will be asked to provide their Trueblue Member Number.  This is not a required portion of the application.  If you do not have a Trueblue Membership you will be assigned an account upon approval for the Jet Blue Card.

For Customers Interested In Learning About Other Travel Cards Check Out:

Redeeming JetBlue Points With TrueBlue

TrueBlue Membership is a free rewards program for JetBlue customers.  Points earned on your JetBlue MasterCard will be credited to your TrueBlue Account.  Features TrueBlue members will enjoy include:

  • Ability to pool your points with friends and family
  • No blackout dates when redeeming your TrueBlue Points
  • Redeem and view the balance of your TrueBlue Points

Consumers should always take advantage of free rewards programs.  If you regularly fly with a particular airline there is no reason not to join their rewards program.  By failing to sign up for the rewards program you are simply leaving money on the table.

Additional Benefits and Features – JetBlue Credit Card

In addition to the features above, cardholders will be provided with several other big perks.  For starters, customers will receive a 50% discount on all eligible in-flight purchases.  This would include food and drink purchases when flying with JetBlue.

Cardholders also receive a balance transfer opportunity when signing up for a new JetBlue Credit Card.  When you transfer a balance within the first 45 days of opening your new account you will receive 0% interest for the first 12 months after opening your account.  This can be a huge benefit for customers who need to transfer a high-interest balance to their new card.

JetBlue also offers a JetBlue Plus MasterCard which provides additional benefits but includes an annual fee of $99.  The JetBlue Credit Card is the option which offers no annual fee for cardholders.

Where JetBlue Flies and Jet Blue Partners

JetBlue flies throughout North America and many locations in South America.  A full flight route map can be found here.  JetBlue services major cities throughout the United States.  This will provide many options for travelers when redeeming your TrueBlue Rewards.

www jetbluemastercard com activate activate jetblue

JetBlue members can also use their points for flights with other airlines.  You will need to transfer your points in order to use them with a Partner Airline.  Some popular partner airlines include:

Partner Airlines will expand your travel destinations when you earn JetBlue Points.  Customers will be able to venture just about anywhere in the world with their JetBlue Points or when transferring them to a Partner Airline.

Best Credit Cards for Fair/Average Credit?

Credit Cards for Fair Credit: A Comprehensive Guide

 

JetBlue MasterCard Activate Help?

Any questions in regards to card activation can be directed to 1-866-928-3104.

www.jetbluemastercard.com/activate

Final Thoughts – JetBlue MasterCard

Overall, The JetBlue MasterCard is a great opportunity for customers looking for a zero annual fee rewards card.  With a great sign up bonus that requires a very low spending requirement customers will enjoy an initial 10,000 point bonus.  The JetBlue Plus Card may be more your style if you are interested in a more premium card with additional benefits.

Helpful Links:

www.myjetbluemastercard.com

www.jetbluemastercard.com/activate