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When you browse over to a cruise win or cruise giveaways agency's Web site, or dial up their 800 number, you may be dealing with one of the top cruise-only wholesalers in the region, a local franchisee of a large full-service travel organization, or a very reputable cruise specialist at a small traveling agency. Or, it may be a novice working off of his or her kitchen table.

So, how can you see the difference and find a decent, reputable travel agent or agency -- and avoid a bad booking experience?

Sadly, agents tell us that the vacation enterprise is not well-regulated, and just about anyone can just print up corporation cards, hang out a shingle and start selling travel. The most of states do not demand any type of registration, certification, licensing or consumer protection measures for travel businesses, although this is beginning to change. Bottom line: It is very important to know who you are doing business with.

Your best bet is to talk to buddies, co-workers, relatives and associates and ask them if they have an idea of of a good, trustworthy, local agent who specializes in cruise sweepstakes. But here are a few more tips for preventing cruise travel scams -- and spotting a less-than-legitimate agency and conserving your investment before it's too late.

Payment with a credit card. For your best protection against either a scam seller of travel or probable supplier bankruptcy, always pay for your cruise fare -- both the initial deposit and the end payment -- with a big credit card such as Visa, Mastercard or American Express. Under the Fair Credit Billing Act, you are entitled to safety (via a chargeback of disputed fees to your account) if a merchant fails.

Essential note: This safety may not apply to those using debit or check cards; it's very important to check guidelines with your issuing bank before you charge.

Make certain your money is in the right hands. After you've made a payment, evaluate your credit card or bank records and make sure that any applicable charges originate directly with the cruise line, not with the traveling agency. That way, you'll find out that the cruise line has absolutely received your money. If you need to pay by check or money order, it should be made out payable to the cruise line -- not to the organization or to an individual.

Get proper verification of your reservation. Request on getting the actual cruise company confirmation numbers, not just a confirmation number from your organization. Not only will you then know that your info and money is in the right hands, but you'll also be able to preserver shore excursions, restaurant reservations and spa appointments (where available) on the vacation cruise line's Web site.

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