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 CU sent letters to 18 wireless carriers in May urging them to strengthen their contracts so mobile payment users get the same protections as a credit or debit card.

“As more Americans start using mobile phones to make purchases, we need to make sure that consumer protections keep pace with all the new technological advances,” said Michelle Jun, senior attorney for Consumers Union’s Defend Your Dollars campaign (www.report credit free Nashville DefendYourDollars.org). “Consumers shouldn’t have to worry that a lost or stolen mobile phone or billing error could turn into report credit free Nashville a costly financial headache.” Credit cards provide you the most protection, and CU says youll get the same federal report credit free Nashville protections for a debit or credit card if that account is linked to your mobile payment system. However, some of these systems will work with prepaid report credit free Nashville or gift cards and you wont get the same protection in case of an error.

While that federal protection is supposed to be there, it may be tricky getting your money back.

In its review of 18 wireless contracts, CU says none of them provided protection as strong as the federal protection for credit or debit cards. CU also says 16 of the 18 wireless contracts require consumers pay for the charge while the dispute is investigated. credit scoring Tools to safeguard your information If you choose to use these for convenience report credit free Nashville sake, make sure you set a PIN or security symbol to even access report credit free Nashville the basic features of your phone.  report credit free Nashville A second PIN to access private functions of your phone is a second layer of defense.

Its also a good idea to download a program that sounds an alarm when you lose your phone.

It may help you track down your phone, and will deter a would be thief from wreaking havoc on your life.

The more layers of security and protection you take, the better off youll be if your information lands in the wrong hands. It wont protect your money, but report credit free Nashville it will prevent fraud and prevent a report credit free Nashville hacker from accessing your personal information. credit report free trial Bottom line this is an emerging technology and the protections and security have to catch up. Talk with the mobile payment provider and your cell phone carrier to make sure youre covered in case of fraud or simply a mistake. Related links you may  like: Anti-virus firms push security software for mobile devices (USA Today) Online shopping made easier with virtual wallet Reduce your report credit free Nashville digital footprint Verizon mobile payment system Posted in Consumer News Tagged cell phone, Consumers Union, Credit card, Google, Google Checkout, google wallet, mobile payment, Mobile phone, report credit free Nashville Technology Netflix is changing again, but the CEO says only the name will change and not the price of report credit free Nashville the service.  The streaming video report credit free Nashville feature will keep the name Netflix and the DVD delivery to your home will become Qwikster. In issuing the latest announcement, the CEO issued an apology to try to appease the critics who report credit free Nashville have been upset with the company since it announced a new pricing structure for DVD delivery and streaming video.

The CEO said hes realized that streaming and DVD by mail are two report credit free Nashville different business with different cost structures. check credit The Qwikster name will take effect in a few weeks, but the company says consumers wont notice many changes on the website even though youll go to qwikster.com to order your movies.

There will be a new option for video games although it will be an upgrade like Blue-ray.

The one report credit free Nashville downside is that you will go to two separate websites if you subscribe to both services. In announcing the report credit free Nashville changes the CEO and Co-Founder, Reed Hastings, said, I messed up. It is report credit free Nashville clear from the feedback over the past two months that many members felt report credit free Nashville we lacked respect and humility in the way we announced the separation of DVD and streaming, and the price changes.