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Blogs and article by Adam K Levin about credit, identity theft, data security, and consumer protection.


  • Phishing

    5 Recent Phishing Lures that Could Snag YouConsumer Protection, Identity Theft

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    A recent study found that 70% of teens text and drive, largely due to FOMO (fear of missing out). These kids are ripe for phishing. But so are many of us. The distractions of life are a phishing campaign’s stock in trade. And while getting got by cybercrime will never be entirely avoidable, knowledge is your best protection. While it goes without saying that texting and driving is illegal, and inter-galactically stupid, it also makes […]

  • iPhone Privacy

    Threat of Ransomware Growing for Mobile PhonesData Security, Technology

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    There’s been a scary increase in successful ransomware attacks against large organizations this year. Specifically, hospitals have found themselves at the mercy of hackers who demand ransom payments to unlock critical system files. Recently, there have been signs that these criminals have moved on to universities, too. The University of Calgary admitted to Canadian media last month that it paid a $20,000 ransom “to address system issues.” But individuals have something new to worry about. […]

  • Summer vacation

    How Staying Off Social Media Can Keep You Safer & Happier This SummerSocial Media, Lifehacking

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    Let’s face it, there’s no bigger downer than working all day and coming home to images of other people’s awesome vacations — that is, nothing except maybe coming home to find out you’ve been robbed or had your identity stolen. According the Pew Research Center, 65% of adults use social media, and among people aged 18 to 29, the percentage skyrockets to more than 90% of the population. For a family with kids, a staggering […]

  • mad

    Why Credit Makes People So Freaking Mad: A Theorycredit

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    No one really likes reading about credit, credit scores and credit reports. As editor of a publication devoted to teaching people about these things, it’s a fact that I’ve had to learn to live with, and it’s not a surprising one. There’s plenty for people to get mad about. Credit is confusing, credit report errors can be hard to fix, and the whole business is generally considerably less fun than watching a kitten escape from […]

  • mortgage

    3 Things That Will Sabotage Your Plans to Buy a HouseMortgages

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    No one wants money to stand in the way when their heart is set on owning a home. But all too often borrowers pull last-minute moves that put their financing in jeopardy. “The events that can endanger the transaction are the kinds that happen at the last minute,” according to Joe Parsons, senior loan officer with PFS Funding in Dublin, California, “for example, an unidentified or unsourced deposit made two days before escrow that we […]

  • Brexit

    What Does Brexit Mean for American Travelers?Politics, Money

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    In the midst of summer travel season, United Kingdom citizens voted to leave the European Union. With “Brexit” came a drop in the value of the British pound, which is lower than it has been in about 30 years, giving Americans a chance to get more for the dollar if they want to pack their bags and head to Europe. (As of this writing, the conversion rate is 1 pound to 1.33 U.S. dollars. The exchange rate has been as […]

  • Medical Debt

    There Have Been Double-Digit Increases in Medical Costs in Just a Yearhealth care, Money

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    Anyone who’s reviewed their health insurance statements is well-acquainted with just how high medical bills can climb. Now, a new analysis from TransUnion found that consumers are increasingly being asked to shoulder the costs. Per the credit bureau, patients saw a 13% rise in both deductible and out-of-pocket maximum costs between 2014 and 2015. The average deductible for consumers in 2015 was $1,278, compared to $1,131 in 2014. Out-of-pocket costs rose to $3,470 in 2015, compared to $3,065 the year prior, TransUnion […]

  • Gold stash

    9 Credit Lessons You Can Learn From ‘Game of Thrones’credit

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    If you’re a fan of “Game of Thrones,” you can apply some of the show’s lessons to your financial life. Here are nine credit lessons the characters have inadvertently taught us over the last six seasons. (And, warning, there are spoilers ahead for those of you who haven’t caught up.) 1. Always Pay Your Debts  The unofficial motto of House Lannister is “a Lannister always pays his debts.” Whether actually true or not, it’s a […]

  • 7 Credit Myths That Just Won’t Diecredit

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    There are so many myths and misunderstandings when it comes to credit reports and scores. Not understanding how they work could have a negative effect on your creditworthiness, which can cost you money in higher interest rates on loans. Here is a list of seven common misconceptions about credit scores and the real deal behind them. 1. Myth: Closing Credit Cards Will Improve My Credit Scores Fact: Closing many cards at once can have a […]

  • moving

    Moving: A Dangerous Time for Your IdentityConsumer Protection, Identity Theft

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    Summertime offers an endless list of ways you can take it easy, unless it’s doesn’t. It’s also moving time. Whether we’re talking about college kids coming home for a few months or simple relocation, there’s nothing relaxing about a move — or simple. Get it wrong, and you become vulnerable to identity theft and other forms of fraud. For most people, moving is sufficiently stressful, without any complications or threats of crime, but what most […]

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