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  • Financial Responsibility: A Reaction or A Reality?Financial Literacy, Blog, Personal Finance, Money

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    In five short years we’ve gone from no borrower left behind, to no borrower left standing… and even those borrowers who somehow managed to claw their way back onto the train were often unceremoniously flung back off the trestle. It seemed that no one, except for a few dozen guys at Goldman Sachs, was safe. While most financial reports are exhausting, terrifying and uncertain, the only thing we seem to be able to count on […]

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    Your Credit Report: A Resume, Not a Rap SheetFinancial Literacy, Blog, Personal Finance, Money

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    As long as I can remember, most consumers have regarded credit as the destroyer of worlds—a scary black cloud hovering over us all—and the credit reporting agencies as the institutional manifestation of Darth Vader. I must admit, the concept of busy little gnomes tracking every credit transaction, inscribing each in an individual’s discrete financial book of life and then publishing, for good measure, a GPA-like number next to their name—which can determine whether, and at […]

  • 12 Tips for Protecting Your IdentityBlog, Identity Theft

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    Just how many Americans have been victims of identity theft? No one really knows, but rest assured it’s more than a handful. The FTC estimates that more than 9 million Americans become victims of identity theft each year. And according to a Javelin study conducted in 2009, that number jumps to 11.1 million consumers, costing a total of $54 billion in damages. Honestly, I think all of these numbers are low. And regardless of whether […]

  • Staffing the Booming Foreclosure BusinessMortgages, Consumer Protection, Blog

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    Meet Dave. He’s a homeowner in Sarasota, Florida who recently contacted Credit.com looking for help. Dave can’t afford his mortgage payments and he’s been damned near killing himself to get a modification with Bank of America for almost two years. He’s submitted his paperwork five times. He’s been assured several times by several individual Bank of America employees that they’d personally see to it that his modification is properly handled. But every time he calls […]

  • Holly Petraeus, Military Family Watchdog Slated for Consumer Protection Agency PostFinancial Literacy, Government, Consumer Protection, Blog

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    One of the highest priorities of this nation must be the passionate and zealous defense of our defenders. With hundreds of thousands of American military personnel stationed around the world, tens of thousands in hot zones where they live from minute-to-minute in harm’s way, we must never waver in our commitment to provide the best armor, most advanced weaponry, cutting-edge equipment, ample supplies, thorough training and sophisticated intelligence so that they have whatever they need […]

  • Prioritizing Financial Literacy in 2011Financial Literacy, Blog

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    In the last two years, consumers were the beneficiaries of more financial reform legislation than America has seen in generations. Over the recalcitrant foot-dragging of the financial industry, which (enabled by government inattention and consumer irresponsibility) arrogantly caused this nation’s biggest economic crisis since 1929, Congress finally passed basic reforms that empower consumers to take better control over their financial lives. Consider the legislations that have passed in the last two years: The CARD Act […]

  • Mac Attack: Data Breach At McDonald’sData Security, Blog, Identity Theft

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    The list of major American consumer brands that have suffered data breaches this year has grown by one in the last few weeks. But it’s a big one – McDonald’s™. The company was recently victimized by data breaches that left the personal data of its customers exposed to cyber criminals. The fast food giant fumbled a major e-mail campaign last month, leaving a wide-open gap for online scammers to lift key data like names, birthdays, […]

  • FTC “Do Not Track” Proposal: Q&A With A Privacy AdvocateBlog, Privacy

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    Earlier this month the Federal Trade Commission formally announced a new world order that would provide more privacy options for Internet users. The cornerstone of that proposal is a universal “Do Not Track” mechanism that would allow web consumers to block access to online marketers. The proposal is viewed by privacy groups as similar to the FTC’s 2004’s “Do Not Call” registry, which gave consumers the option to block unwanted telemarketing calls to their homes. […]

  • Employment Credit Checks – Why Leave Anything to Chance?Blog, Personal Finance

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    No doubt about it, in today’s turbulent financial times it is a buyer’s market when it comes to getting a job. Employers have access to a virtual cornucopia of qualified talent, all competing for a limited number of jobs, and a unique understanding of how cyberspace and credit reports can be effectively utilized to better vet applicants. According to the Washington-based Society of Human Resources Management (SHRM), 47% of U.S. companies conduct credit checks on […]

  • ID Theft Watch: One iPhone App Too ManyBlog, Privacy, Identity Theft, Technology

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    My name is Adam and I own an iPhone. In that regard, I’m not alone. I have about 85 million fellow iPhone “friends.” Sure, that’s about 415 million fewer friends than Mark Zuckerberg, the co-founder of Facebook. But still, 85 million is no trifling number. Even more telling, The New York Times reports that iPhone users are purported to be more sexually active than Blackberry or Android users. While flattering, I can’t vouch for that […]

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