Спам от МФО

Nikita23

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Здравствуйте, я зарегистрировался на oneclickmoney, но не брал там займ. Потом спросил как деактивировать аккаунт, мне написали. Но сейчас в течение всего дня мне приходят смски и звонят боты. Сообщения по типа "вам одобрен займ" , и так от разных организаций. Я туда даже не подавал. Что делать с этим спамом, было ли у кого?
 
Скорей всего только терпеть. Ну или оператору звонить и просить что бы он что-то сделал.
сам ты точно никак не уберешь спам этот, и кто отправляет не найдешь.
 
Ещё есть вопрос. У меня есть кредитка Альфа банка и в одной МФО взял 2000.
Я посмотрел перечень БКИ, в которых хранится информация обо мне. Там три БКИ.
Это нормально, что при кредитке и одном займе в трёх БКИ хранится информация, или тут что-то не то?
Например :
АО "Национальное бюро кредитных историй"
ЗАО "Объединенное Кредитное Бюро"
ООО "Эквифакс Кредит Сервисиз"

На Эквифаксе я заказал бесплатный отчёт, как понимаю могу ещё один бесплатный в другом БКИ. Но в третьем не могу, так что вопрос открытый. Заранее спасибо за ответ
 
How to print your own checks?
Printing your own checks mean that you would never run out of checks, and that your checks will be unique. However, you need to know how to do this correctly in order to be right. Learn how to print your checks by yourself; the procedure and requirements, so that you can determine what is perfect for you.
You can save lots of money also by printing your own checks moreover it is convent and keep a good searchable history and report of checks you paid by having a good check printing software.
The requirements for printing your own checks include the following:
  • Blank Check Paper stock: special paper that prevents tempering or duplicating of your checks.
  • Check Printing Software- Preferably Online Based fro easy access
  • Printer- Any Printer you already have.
To print your own checks, you can either obtain partially printed ones, it is called Pre Printed Checks or you could decide to create it from the scratch. The second option is great; it is cheaper and print checks on demand. Have some Blank Check Paper and get good check printing software
The check printing software handles creation of the checks (which is the toughest part); you could set all these details in the setting of the check printing software. After these are done for you, all you need to do is insert this check in your own printer and then fill in the details, such as the amount transacted, payee, and internal notes or memos. Online Check Writer, Versa Check and Chax are all the most popular check printing software. Online Check Writer is a cloud based one giving flexibility to print checks from any device verses versa check and chax offline based.
With check printing Software, you can customize you checks. Further, a majority of their applications work with popular software and web applications, such as www.OnlineCheckWriter.com. With these off your neck, you can only focus on the essential aspects of check printing.
Alternatively, you could print your own checks from scratch. You can design your checks by yourself if you have graphics design skills and time to spare. However, a faster method of doing this is by using check printing website, www.OnlineCheckWriter.com. Check printing software or web applications help you with the designing and carries out all the hard work. Check printing applications do not stop at creating your checks for you; they help with other things like tracking payments, and so on.
Equipment for Printing Checks
Most regular printers can print out your checks, but if you want to create them from scratch, you should use magnetic ink. Magnetic ink is more expensive and tougher to find than local ink. Although you can use normal ink, there are some downsides to that, which we will explore further in this article. After check 21 act MICR printer is not really needed, all the checks are processed through image now days-OCR.
Just like with magnetic ink, you should print your checks with a good quality check stock. This is essential because it is more difficult to tweak your created checks or make fake checks, thanks to special security features of check stock.
Magnetic ink
We recommend you use magnetic ink for printing your checks, although it is not compulsory. With the popularization of optical readers, magnetic ink would no longer be this vital. Users would simply snap a check to deposit funds.
Single Checks
Your bank could help you out, if you only need to print out one check. If you request, for a little charge, most banks can provide a few checks bearing your account details. With these, all you need to do is to fill in the remaining details.
When you have everything you need, and depending on the nature and quantity of checks you want to print, you can do so in the above ways.
 
HOW TO PREVENT FRAUD OR FAKE CHECKS
Congratulations! You have won the lottery! Attached to this mail is the cashier check needed to cover your taxes and your fees. The only requirement you have to fulfil, to gain access to your winnings is to deposit the check and wire the money over to the sender to be able to cater for your taxes, fees and some other contingencies. And be assured you will be rewarded immediately your payment is confirmed.
Oops, I know you seem like you won a lottery indeed. But this is one of the many tactics fraudsters use in scamming people with checks.
What are the fake checks?
Fake checks are the counterfeit of the original checks. It is one of the major challenges the financial institutions and businesses are experiencing today. The so-called fake check scam has grown widely and easy for fraudsters because of the advancement of technology. In such a way that it is easy to deceive victims who are lying in wait for values in exchange for money.
This act of scam is possible due to counterfeiting using desktop publishing and copying to design a falsified check or create a duplicate of an original financial document, and also a chemical alteration, which includes the removal of all or some genuine information on the actual check; thereby manipulating the information to their favors.
HOW CHECKS ARE FORGED
As earlier stated, fake checks are forged versions of an original check. They look original, but they are produced without the authorization of the account holder. How is this possible? Fraudsters source for the bank account number and the bank routing number from the original checks or through series of scamming calls or emails requesting that you send your bank details for verification, claiming the verification process is from your bank. They also steal from check cashing place, having their contacts. And immediately they get the information; and they make use of some “check printing software” that enables them to design, create and print checks and even mimic the rightful owner’s signature.
Most times, when you deposit these checks, they will be cleared, which makes it look original unless the actual account owner opens a complaint within 30 days. Last year in the US, over 2 billion dollar worth fake/Forged checks were cleared (unnoticed), without the account owners opening a dispute in due times. Lots of individuals and big companies fall, victims of fake checks, most especially, those who issue a check without paying proper attention to how the checks redeemed in their bank accounts.
However, some companies and individuals employ the latest check printing software that helps cross-verify your bank information on each check issued through the software and alerts you whenever any check reaches the bank other than the one issued through the software.
HOW TO IDENTIFY A BAD CHECK
• Lookout for perforations in the check. If it lacks perforation, then it’s fake.
• The absence of check numbers or having the same number
• Take note of the font with which the customer’s name is printed, and if it doesn’t correlate with that of the address, then it’s fake.
• Take note of possible additions to the checks – like phone numbers written by hand
• The absence of customer and bank addresses.
• Presence of discolorations due to the series of alterations of the check.
• Lack of authorized signature.
FEW TIPS ON HOW TO PREVENT FRAUD OR FAKE CHECKS
• Do not engage in a “pay to play” offers.
• Avoid giving in to online solicitations that proposes easy money
• Take your time to authenticate the requestor before you send or issue any check
• Do not play the quick game of the check deposit. If someone is hurrying you to deposit a check in a limited time to be qualified for a reward. Don’t fall for it, because in most situations, such checks are fake.
• Report any issue of suspected fraudulent actions to your bank. If a check looks unauthentic,; do not deposit it, instead contact your bank to report the situation. Bank staffs are trained experts who can help you spot fake checks without stress.
• Protect your account using software that monitors your account activities.
However, www.onlinecheckwriter.com features software designed in such a way that, it is integrated with your bank, and help you monitor your account; thereby protects you against any fake check situation. This software enables you to keep track of cleared and unclear checks, of course you need to integrate with your bank. It allows one trusted and selected employee of the company the chance to access your account, create an issue pretty good number of checks. www.onlinecheckwriter.com is a handy tool, which can be used by both individuals and companies, whether large, medium or small. The software is the choice of all because it saves the time of checking bank accounts and manually reconciling the checks for quality verification.
Finally, the software is designed to monitor your bank account and cross-verify every checks cleared in your bank against the checks are printed and issued. It also features an alarm that alerts whenever any check is cleared other than issued at online check writer software.
You may get more information at www.onlinecheckwriter.com about the software, and how you can make use of it as a protective measure from being a victim of fake checks.
 
Ещё есть вопрос. У меня есть кредитка Альфа банка и в одной МФО взял 2000.
Я посмотрел перечень БКИ, в которых хранится информация обо мне. Там три БКИ.
Это нормально, что при кредитке и одном займе в трёх БКИ хранится информация, или тут что-то не то?
Например :
АО "Национальное бюро кредитных историй"
ЗАО "Объединенное Кредитное Бюро"
ООО "Эквифакс Кредит Сервисиз"

На Эквифаксе я заказал бесплатный отчёт, как понимаю могу ещё один бесплатный в другом БКИ. Но в третьем не могу, так что вопрос открытый. Заранее спасибо за ответ
Нормально, некоторые банки сдают инфу во все БКИ, некоторые в одно. МФО тоже, екапуста сдает к примеру только в Эквифакс, а Манимен в НБКИ и ОКБ. Забей, у меня кредитная история 129 страниц из-за мфо, тебе есть куда стремиться ))
 
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