St. Clements Lodge
St. Clements Lodge is an award-winning bed and breakfast that offers home style charm in the shadow of the magnificent Lincoln Cathedral. The guest house was awarded the Accommodation Establishment of the Year and the AA Landlady of the Year finalist. The owners, Bill and Janet Turner, are the perfect hosts; they are friendly and helpful, always putting their guests at ease and making them feel right at home.
Reviewing Credit Reports
Reviewing credit reports can help detect fraudulent activity early,
allowing one to take effective steps to limit the problems if one is a
victim of identity theft. Knowing what's in the free annual credit
report before applying for a loan or a job may also be helpful.
Dental Preferred Provider Organization (PPO) Insurance Plans
This insurance plan utilizes a group of dentists who are affiliated with
the network. Dentists within the network give discounts to
patients who are part of the same insurance company. You can see
dentists outside the accredited network, but it will often cost you
a lot more.
Brayford Guest House
Brayford Guest House is a Victorian property located in Lincoln’s West End, one of the best locations in the entire city. It is only a 5-minute walk to the Brayford Waterfront that is home to various bars and restaurants, as well as Lincoln University and The Engine Shed, a popular music venue. It was acquired by Marie and Clint Phillips, in 2008, who have since invested in many improvements such as the new courtyard rooms that offer disabled access, and in addition, the main house which has been newly refurbished to a high standard.
Check Carefully
When one receives a free annual report, be sure to check each section
carefully and determine whether all the information is correct. The
report could alert one to fraudulent activity being carried on in their
name by an ID thief or other inaccurate information that could affect
their ability to obtain a loan.
Managed care dental insurance plans
Managed care plans have very low costs. This is why many
patients prefer this over the lot. Although with these dental insurance
programs you need to select your insurance provider out of a list of
providers, you will not have to pay your dental fees up front from your
pocket. The insurance company will pay for the charges and then you will get special discounts from your dentist as part of the insurance coverage.
202 Guesthouse
202 Guesthouse offers traditional bed and breakfast accommodations with a contemporary vibe. Located within the West End of Lincoln, 202 Guesthouse is close to the Lincoln city centre and its historical and cultural quarters. Those who opt to stay at 202 Guesthouse are treated to Lincoln’s various local attractions and activities that are all happening nearby. Aside from the beauty of its old world architecture that can still be seen today, Lincoln pulsates with lively events that include historic re-enactments, seasonal outdoor festivals, concerts, sports activities and live music. Best of all, they can easily retreat to their quarters at 202 Guesthouse at the end of the day to savor the peace and quiet it offers amidst the bustling city.
Must Remember!
By law they are also entitled to receive a free copy of their credit
report if they have been denied or turned down for credit. The company
they applied for credit through must provide them with the name and
contact information of the credit bureau they obtained the information
from.
Traditional dental insurance plans/Indemnity insurance plans
This type of dental insurance plan
which is often favored by patients who want more choices provides
payment for dental treatment received by the covered individual on a
traditional fee-for-service basis. For some dental procedures (such as
preventive dental care) the
payment made by the insurance company might be in full. Wherein your
insurance provider will pay for up to 100% of “usual” costs associated
with dental care.
Cathedral View Guest House
Cathedral View Guest House is nestled within the Cathedral Quarter in Lincoln and literally lies in the shadow of Lincoln Cathedral. The guest house is within the Bailgate area where hundreds of retail stores, restaurants, bars and specialty shops are located. Guests will find the staff friendly and very welcoming. The building where it is housed dates back to the 12th century and it still has the structure’s original stone fireplace and wooden beams. The rooms are uniquely designed to bring comfort and style. There are seven rooms, a majority of them offering views of the Cathedral. Most rooms have open fireplaces, timber stonework and wood paneling.
Free Annual Credit Report
By US federal law, each of the 3 major credit bureaus is required to
provide people with one free copy per year of their annual credit report
(though not their credit score) upon request. The three major consumer
reporting credit companies (CRC) are Equifax, Experian, and TransUnion.
It is important to review this information not only to track and improve
their financial health, but also to ensure against fraud and identity
theft.
Dental Plans
They say that a smile is the shortest distance between two people, a universal language that even babies understand. But why is it that many of us don’t seem to take proper care of that which makes our smiles even more presentable? In an age where beautification is at the realm of it’s glory, a powerful tool in which many of us work hard to achieve (and even spend countless treasures to acquire), it is quite daunting that many of us still are not aware of how to get proper oral care.
Carholme Guest House
Carholme Guest House, a stylish townhouse with five individually designed and furnished rooms, is a family owned and run guest house that takes pride in their cleanliness and high level of customer service. This AA 4-Star rated guest house has also been awarded with a 4-Star rating for Food Hygiene in the Food and Business Star Awards. Guests are served with a choice of full English breakfast with locally made Lincolnshire sausages and free-range eggs, among others. There is also a variety of light bites and toasted fare for those who wish to have something smaller or lighter to eat. Carholme caters to vegetarian diets, as well as other special dietary requirements; however, these need to be requested upon booking. Meals are served in the cheerful dining room from 7AM to 8:30AM from Monday to Friday and from 8AM to 9AM on Saturdays, Sundays and bank holidays.
Free Annual Reports
When one receives a free annual report, be sure to check each section
carefully and determine whether all the information is correct. The
report could alert one to fraudulent activity being carried on in their
name by an ID thief or other inaccurate information that could affect
their ability to obtain a loan.
Travel Insurance
Travel insurance covers you from emergency care such as accident; delays on your travel or missed connections. It also compensates you from lost or damaged baggage. Travel Insurance can be purchased for international or domestic trips and can cover you whether it’s just an overnight trip or whole year round. There are different types of travel insurance that can be purchased and are suitable for your travel needs.
South Park Guest House
South Park Guest House is a 4-star guest house offering bed and breakfast accommodation. The building depicts the traditional Victorian charm combined with modern amenities and excellent service. South Park Guest House provides guests with comfortable and friendly ambiance, making them feel right at home. The guest house is about 15 minutes away from the Lincoln city centre, close to the local attractions including the Lincoln Cathedral and Lincoln Castle. There are countless restaurants, bars, shopping and places of interest within the city.
Free Annual Credit Reports
The free annual report contains a collection of sensitive personal and
financial information gathered from a variety of sources including
personal information (birth information, current and other recent
addresses, telephone numbers and Social Security information), detailed
credit history (loans, credit cards and timeliness of payments), public
records (bankruptcies, judgments, liens, etc.), and a list of all
persons or organizations who have requested a copy of your credit report
in the last six months.
Traditional Health Insurance
Traditional insurance operates on the concept of copayments and coinsurance. First, you will have to pay your monthly fees to the insurance company.
Besides the monthly insurance fees, you are also required to pay a
certain amount whenever you visit your doctor, or whenever a procedure
needs to be done. Coinsurance is paying a percentage of the bill after a
procedure is done, apart from paying the fees associated with it as
well. For example, if you are coinsured 80-20, then 80 percent of the
bill will be footed by your insurance company while the remaining 20
percent will be your share. Above all these, the insurance company will also determine payments for “reasonable and customary fees” and thereby get the average for any service that you
have availed. You are required to pay the difference if what they deem
‘reasonable’ is below what you have already shelled out.
Orchard Cottage
People who often travel would know that the secret to having a memorable trip is staying in a place where one would feel at home. Comfort and amenities are two of the most important aspects people look for in an accommodation. The Orchard Cottage provides all that and more. Located in Saxilby near Lincoln, Orchard Cottage is a country house style accommodation overlooking a lovely garden. Saxilby is a village 6 miles from the historic city of Lincoln. Part of the house’s charm is its elegant furnishing including antique pieces. Orchard Cottage also offers a view of narrow boats and cabin cruisers passing by the Foss Dyke.
Credit Reports
To avoid any problems, it is important to see a copy of one's credit
report before applying for any credit. Errors in credit reports can
happen, which can be from the result of human error or from identity
theft, and these can then eventually lead to fraud.
Anthem Blue Cross and Blue Shield-Connecticut
Anthem Blue Cross and Blue Shield-Connecticut: scored 88.2. The company offers dental, life insurance and pharmacy benefits aside from health insurance.
Eagles Guest House
Eagles Guest House is a family-run bed and breakfast located in North Hykeham, Lincoln. The historic Lincoln city centre is about 6 miles away. This charming guest house offers comfortable accommodations and provides excellent service. Eagles Rest House is AA 4-star rated. The staff welcomes every guest with warmth, providing whatever the guest may need.
Reviewing Credit Reports
Reviewing credit reports can help detect fraudulent activity early,
allowing one to take effective steps to limit the problems if one is a
victim of identity theft. Knowing what's in the free annual credit
report before applying for a loan or a job may also be helpful.
Health New England
Health New England: got a score of 88.2. Health New England is located in Massachusetts. The company serves the Connecticut, Massachusetts areas. They offer group and individual health insurance policies.
Creston Villa Guest House
Creston Villa Guest House is a traditional Victorian town house offering alternative accommodation. This guesthouse was awarded with a 5-star Gold Award rating, a testament to the high quality service it provides. Creston Villa Guest House is close to Lincoln’s local tourist attractions and overlooks South Common. The train station is also nearby.
Credit Monitoring Services - 6
Once your information is in the hands of thieves, it is also not simply used and then thrown away. Your information is frequently sold and re-sold to other thieves and you may be victimized, or re-victimized, at any time in the future.
Group Health Cooperative of South Central Wisconsin
Group Health Cooperative of South Central Wisconsin: got a score of 88.3. In 1976, the company was founded as a non-profit, member-sponsored health maintenance organization.
The Pride of Lincoln
The Pride of Lincoln offers all the amenities and facilities one would look for when traveling. This contemporary hotel is found in the cenrer of The Lincoln Fields business district, which is just outside the Lincoln City Centre. There are 20 comfy rooms, each big enough to provide a relaxing stay. Rooms have modern furnishings, both functional and stylish. All rooms are en-suite with flat screen televisions, telephone, complimentary Wi-Fi access, work desk with lamp and chair, hair dryer, iron and ironing board and tea and coffee making facilities. Cots are available upon request. Room types include family and twin rooms. Accessible rooms for people with disabilities are also available. There is a no smoking policy in the guest rooms and throughout the hotel.
Credit Monitoring Services - 5
When a company or organization has a data
breach and elects to offer credit monitoring to the impacted consumers,
what type of service and how long it is being offered are both public
knowledge. If the service is provided for free, there's little reason
not to accept it. However, don't be lulled into a false sense of
security. Be aware that prospective cyber-thieves also know what actions
the company is taking, what service is being offered, and how to commit
fraud in your name without it appearing on your credit report.
Excellus Blue Cross, Blue Shield, Rochester Region
Excellus Blue Cross, Blue Shield, Rochester Region:
got an 88.4 score. The company is based in Rochester, New York and
employs more than 6,000 New Yorkers. They have an estimated 2
million insured individuals.
Hotel Ibis Lincoln
Hotel Ibis Lincoln is a member of Accor Hotels. It is a budget, friendly hotel, located just 15 minutes away from the famous Lincoln Cathedral and Lincoln Castle. The Lincoln city centre is only about 10 kilometers away. Hotel Ibis Lincoln offers tranquil accommodation for those visiting Lincoln. It is also an ideal base when exploring Lincolnshire.
Credit monitoring may not detect synthetic identity theft
Credit monitoring services generally will not catch instances of
synthetic identity theft - in which a thief uses a variation of your
name, date of birth, or address in conjunction with your real Social
Security number, or vice-versa. Because of the way in which the credit
reporting system functions, synthetic identity theft activity is far
less likely to be identified on a credit report than true name identity
theft because the synthetic identity information used to open new credit
accounts cannot be neatly matched to one particular consumer’s real
identity information. If any synthetic identity information does appear,
it is often merely linked to the main credit file as a sub-file, rather
than appearing in or being linked to the main credit report header.
When this happens, that information may be completely ignored by credit
monitoring services that focus only on accounts and credit inquiries
firmly linked to a consumer’s real identity information.
Health Net of Connecticut
Health Net of Connecticut: got a score of 88.6. The company offers group or individual, dental and vision health care options.
Credit Monitoring Services - 4
White Hart Hotel used to be a coaching inn in the 14th century and continue to welcome guests from all over the world. The hotel has undergone numerous changes but still maintains the traditional past. Today, White Hart Hotel is considered to be one of the best hotels in the city of Lincoln. White Hart Hotel offers a breathtaking view of Lincoln’s Cathedral and Castle. It is located along Bailgate Street where boutique shops are found. Most of these shops are locally owned. Aside from boutique shops, there are restaurants, pubs and cafés nearby as well.
Credit Monitoring Services - 4
Most
credit monitoring services do not monitor specialty consumer reporting
companies (such as ChoicePoint or Chex Systems), public records
databases, driver's license records (DMV), criminal records (NCIC),
Social Security records (SSA), medical records (such as the Medical
Information Bureau), etc.
This means that credit monitoring will not alert you if someone has
obtained a driver's license, birth certificate, Social Security card, or
other such documents or identification in your name. It also will not
alert you if someone has used your name during interactions with law
enforcement, resulting in arrest warrants or erroneous criminal records,
or if someone has filed taxes or obtained medical benefits or
healthcare services under your name and SSN, or any number of other
activities. Credit monitoring will also not report to you in a timely
fashion, if at all, when an identity thief has fraudulently obtained
employment using your name and Social Security number.
Connecticare
Connecticare: got a score of 88.9. The
company is located in Connecticut and serves the Connecticut area.
Connecticare was founded in 1981 and serves more than 240,000
individuals.
Holiday Inn Lincoln
The Holiday Inn Lincoln is located in the Brayford Waterfront area. This wharf-style hotel is near Lincoln’s foremost tourist attractions. The city centre is about a mile away. Holiday Inn Lincoln offers tranquil accommodation with modern amenities. Guest rooms offer views of the waterfront or Lincoln Castle and Cathedral. There are 97 non-smoking rooms and 2 accessible rooms. Each room has the following amenities: cable/satellite television, stereo, work desk with lamp, phones, high speed Internet access, iron and ironing board, bathroom with bathtub and hair dryer and coffee and tea making facilities. Cribs, rollaway beds or cots are available upon request.
Credit monitoring services generally do not monitor check fraud and check verification databases.
Your liability limits for fraud and unauthorized transactions in
cash accounts, such as checking and savings accounts, are
time-sensitive, and the potential liability (and potential damage) is
significantly higher than credit-related accounts. Federal law generally
limits your liability for credit card fraud to $50 per card, while your
liability for fraud in cash accounts can be unlimited.
Blue Cross and Blue Shield of Massachusetts
Blue Cross and Blue Shield of Massachusetts: got an 89 score. As of today, Blue Cross and Blue Shield are in the process of developing a statewide electronic medical record system and is aiming to provide insurance to for the estimated 500,000 uninsured individual in Massachusetts.
The Lincoln Hotel
The Lincoln Hotel is located in uphill Lincoln. It has a magnificent view of the Cathedral in the city. The hotel is family owned and has just recently been restored. It offers spaces where friends, families and even colleagues can meet up. The Lincoln Hotel accommodation offers two main room categories. These are: rooms with the view of the Lincoln’s cathedral and rooms with a view of the hotel’s garden and grounds. The Lincoln Hotel offers the following room types: Twin Room, Double Room, Family Room, Access Room, Princess Suite, Double Room with Cathedral View, Cathedral View with Balcony and Garden Room View with Patio. All rooms are tastefully decorated with private bathrooms. Standard amenities include flat screen television, 24-hour movies, high speed Internet connection, workstation and tea and coffee making facilities.
Credit Monitoring Services - 3
Credit
monitoring can be useful to provide an early warning that a new account
has been opened in your name, but the task of disputing the accounts
and resolving the fraud may still be left up to you.
Many credit monitoring services do not include much more than minor
resolution assistance or a few simple form letters; and, most do not
include assistance with any matter beyond those items that are reported
on your credit report.
Harvard Pilgrim Health Care of New England
Harvard Pilgrim Health Care of New England: got a 90.6 score. The company is located in Massachusetts and serves the New Hampshire area.
Hillcrest Hotel
The Hillcrest Hotel is situated in the heart of the Lincoln city centre. The hotel offers a scenic view of Lincoln Arboretum. Just minutes away from Hillcrest are Lincoln’s historical quarter, castle and the Lincoln Cathedral. Visitors will also enjoy walking around the Bailgate area where Steep Hill is located. Steep Hill is one of the best shopping destinations in Lincoln.
Hillcrest Hotel boasts of a Victorian façade and individually decorated rooms. This family run hotel offers a variety of accommodations. These are: Single Room, Double/Twin Room, Executive Room, Four Poster Room and Family Room. The Family Room accommodates up to 3 persons, 2 adults and 1 child. All rooms are moderately sized giving you ample room to roam around and relax. Rooms have en-suite facilities, flat screen television with freeview and coffee and tea making facilities.
Many creditors only report to the credit bureaus once per month or quarter, and credit bureaus can only report what has been reported to them
While weekly or even daily monitoring can provide early notice of
credit inquiries, you need to review the alerts and promptly follow up
on the inquiries to gain the maximum benefit of the early warning. If a
fraudulent account is opened in your name, it may still be 30 to 60 days
or more after the initial inquiry appeared before the account itself is
actually reported on your credit report. During this time, identity
thieves may have already engaged in significant fraudulent activity. In
cases involving non-major or non-credit accounts that may not involve
credit review, (such as utility accounts, cellular or cable
service, rentals, medical and dental services, etc.), the account may
never be reported on your credit report in any form until after it has
already been sent to collections.
Tufts Associated Health Maintenance Organization
Tufts Associated Health Maintenance Organization: got a 90.8 score. Tufts Associated was founded in 1979 and was considered as a non-profit health maintenance organization. They presently provide chiropratic care, acupuncture and massage. The company is based Massachusetts and serves the areas of Massachusetts, New Hampshire and Rhode Island.
Best Western Plus Bentley Hotel Leisure Club & Spa
Lincoln has become one of the many cities in the UK that tourists come to visit. That’s why more and more companies are putting up businesses in the city. One of the most recent hotels to open in Lincoln is the Best Western Plus Bentley Hotel Leisure Club and Spa. This new Best Western hotel is located near the City of Lincoln. Guests staying at the hotel will have easy access to all the tourist attractions and historical sites. The hotel has 80 en-suite bedrooms, some with 4 poster beds. There are 4 accessible rooms for guests with disabilities. Room categories are as follows: Standard Room, Executive Suite, 4 Poster Suite and Lauren Suite. All rooms have LCD TV, radio, writing desk, trouser press, hairdryer, telephone, high-speed Wi-Fi broadband internet access and tea and coffee making facilities.
Many credit monitoring services only monitor one credit bureau
Some services may provide you with an initial three-bureau report on
the first order, after which they revert to monitoring only one bureau.
This may not be clearly disclosed to you upfront. While major accounts
such as home and auto loans are typically reported to all three national
credit bureaus, non-major account creditors often report to only one
bureau. If a service does not monitor all three bureaus, it may miss
accounts reported to one or both of the other bureaus.
Harvard Pilgrim Health Care
Harvard Pilgrim Health Care: got a 91.7 percentage score out of 100. For 35 years that Harvard Pilgrim Health Care has been in business, they have won prestigious awards for their excellent health care plans and practices. The company is located in Massachusetts and serves the Maine, Massachusetts’s area.
The Tower Hotel
Tower Hotel is set in the Bailgate area of Lincoln, within the Cathedral Quarter. The Old Town is just a couple of steps away while the city centre is about 10 minutes down the hill. The Tower Hotel is a 3AA star hotel offering 15 individually designed accommodations.
How to Place an Initial Fraud Alert
To be effective, you should place a fraud
alert on your credit file at each of three primary national credit
reporting agencies - Equifax, Experian, and TransUnion. Although these
three credit bureaus are supposed to share fraud alert information,
(i.e. placing a fraud alert on your credit file at the other two bureaus
when an alert has been placed at one), this does not always happen and
can dramatically reduce the effectiveness of the fraud alert. You should
also remember to place a fraud alert on your Innovis credit file as
well.
