Ray from Spray Wash Academy talks about protecting your credit, avoiding scams, and making sure you don't get defrauded by someone opening up a credit card in your name! An attempt just happened to me and I show the letter received from Bank of America.

We also talk about "LifeLock" (I'm now a subscriber) and judicious use of business credit when needed. Also, is it better to use a debit card or a credit card for your purchases? Ray tells why his Pressure Washing crews at Spray Wash Exterior Cleaning always used a Credit card instead of the PIN number on the Debit Card.

Also is someone offering to pay you a little "extra" to cover a bull for an electrician/landscaper/painter that doesn't accept credit cards? There's nearly a 100% chance this is a scam.

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