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How to Enjoy the Holidays Without Adding Debt

A study conducted by Lexington Law found that 57% of American adults with children admit they are willing to add debt to make their children happy. This mentality creates families too willing to go into debt, rather than reduce the number of gifts under the tree. Debt lingers longer for…

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Ins and Outs of Placing a Credit Freeze

With the recent Equifax breach, which released the personal information of over 145.5 million consumers, there is an increased desire to protect consumer credit information from thieves. When a hacker obtains your social security number attached to a name, address, and Birthdate, they have everything required to apply for and…

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Protecting Yourself Against Medical Identity Theft

The move to online medical records makes it easier to check your own file and eases the sharing of information between medical professionals. Doctors can coordinate care, check for negative reactions across multiple medications and better monitor patient care. The downside to online medical files is the vulnerability to cyber…

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Protecting Yourself Against Ransomware

Ransomware is an under-reported form of cyber-attack, which increased 6,000% between 2015 and 2016. It is making headlines as thieves demand more money and attack larger companies. In 2016, ransomware crimes stole more than 1 billion dollars from individuals and businesses, with 70% of attacks targeted at personal accounts. What…

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5 Things to Look for When Reviewing Your Credit File

Most consumers understand the importance of good credit and track their score, which is now widely available. A less common, but no less important step to protecting yourself against account fraud is an annual review of your credit file. The credit score is a compilation of the data found on…

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Action Plan to Protect Your Money After a Company Security Breach

In 2016, consumers lost a total of 16 billion as a result of identity theft, with 2017 on pace to surpass these numbers by over 26%. When thieves gain access to personal financial data, they can buy goods in your name. Not all identity theft shows up in the same…

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What the Equifax Security Breach Means for Consumers

Never has a security breach stung the public, as much as the recent Equifax hacks. In terms of sheer numbers, it is in the top five, but not the largest. Yahoo compromised the data of over one billion consumers, for the top spot of security breaches in the 21st century.…

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Why You Should Care About Medical Identity Theft

Medical records do not receive the same level of cybersecurity financial companies use, even though they possess information with similar sensitivities. With the digitalization of medical files, comes the vulnerability of cyber hacks, stealing data for illegal purposes. The medical community benefits of online access to a patient’s medical history,…

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Guide to Fraud Alerts

When facing the possibility of identity theft, there are proactive steps you can take to protect yourself, which include placing a credit freeze or fraud alert on your credit file. A freeze prevents most companies from reviewing your credit, where a fraud alert notifies third parties that you have reason…

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Tips on Managing Your Debt After a Natural Disaster

Natural disasters from hurricanes to forest fires can leave you scrambling for basic necessities. Making timely payments on the mortgage, car, student loans, and credit cards, may not be top of mind. However, a declaration from the state or federal government acknowledging a disaster does not eliminate or even alter…

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