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


  • Password

    The Lesson Mark Zuckerberg Just Taught Everyone About Reusing PasswordsData Security, Technology

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    Facebook CEO Mark Zuckerberg apparently didn’t read the warning about using different passwords to protect online accounts. Sources told The Wall Street Journal that Zuckerberg’s Twitter and Pinterest accounts were hacked over the weekend. Per the paper, Zuckerberg utilized the same password — “dadada” — to protect each account. That password had appeared last month in a database of more than 100 million usernames and passwords that was stolen from LinkedIn back in 2012, it said. Screenshots […]

  • Debt forgiveness

    Want to Buy & Forgive Debt Like John Oliver? Not So Fasthealth care, Consumer Protection

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    When John Oliver announced Sunday night that he’d purchased medical debts as a faux collector and forgiven those debts, the Last Week Tonight host’s actions led to a serious question: Couldn’t this strategy be used on a wide scale? After all, Oliver managed to forgive about $15 million in debt for only $60,000. It’s a clever idea that has its roots in the Occupy Wall Street movement. Back in 2012, a group calling itself Rolling Jubilee […]

  • Could Your Campaign Contribution Expose You to Identity Theft?Politics, Identity Theft

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    Over the past few years, we’ve experienced more ginormous data breaches than any of us can, or would even care to, remember. Against this backdrop, reflect upon the fact that political campaigns know as much, if not more, than advertisers about us — what inspires us and what will move us to vote. The Wild West Consider the various kinds of information a campaign crunches to determine who might be persuaded into voting for their […]

  • Scam Alert

    iTunes Gift Card Scams Are FlourishingConsumer Protection

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    iTunes gift cards have become a common tool for online scammers to wring money out of victims, according to new warnings from Apple and U.S. federal authorities. One agency received a deluge of complaints during a recent weekend, including word from one victim who lost $31,000 in a recent iTunes payment scam, according to the Federal Trade Commission. The agency said the problem has grown so bad that Apple recently posted a notice on its […]

  • Student Loan Debt Relief

    FTC Cracks Down on Student Loan Debt Relief SchemesConsumer Protection, student loans

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    Some student loan borrowers having trouble repaying their loans are getting desperate, causing them to look for help in the wrong places. Federal regulators announced another crackdown this week on firms that charge illegal up-front fees, and ongoing monthly fees, selling debt relief services to these borrowers that are generally available for free. Three cases announced this week by the Federal Trade Commission add to similar cases already announced by other federal regulators, revealing the extent […]

  • Housing wealth

    When’s the Best Time to Sell Your House?Mortgages, Personal Finance

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    If you’re looking to sell your home, you may want to wait until the spring or summer months set in. Sure, that may not sound like the best use of the nice weather, but putting any travel on hold as you try to relocate could prove worthwhile. The best time to sell is generally anytime between mid-April and October 1, said Scott Sheldon, a senior loan officer at Sonoma County Mortgages, in California, and a Credit.com contributor. “The weather is nice. People […]

  • Credit Card

    Credit Card Debt in America Is Almost Back Up to $1 Trillioncredit, Personal Finance

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    Americans are racking up credit card debt like it’s 2008. That’s according to The Wall Street Journal, which reports U.S. credit card balances are on pace to reach $1 trillion this year, as consumers grow more comfortable with carrying debt and banks continue to push their plastic. The sum is just shy of the all-time peak of $1.02 trillion set in July 2008, just before the financial crisis set in. The Journal cites a steady economy and lenders signing […]

  • Home buying

    Remember: Keep Your Tax Returns If You’re Looking to Buy a HomeMortgages, Personal Finance

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    If you were planning to buy a home or refinance one you already own, you can expect to encounter a lot of paperwork. But here’s one thing you probably didn’t know: Tax returns aren’t always required. If you are a W-2 wage earner, there is a smaller chance you’ll need to provide tax returns than if you’re self-employed. If you’re self-employed, the only way a lender can determine your income is by examining your tax […]

  • Fleeing

    There Are Already Realtors Offering to Sell Your Home if Trump Becomes PresidentMortgages, Humor

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    Disgruntled Americans of all political leanings have said it: “I’m moving to Canada.” The Great White North particularly appeals to those left-of-center, as many liberal Americans are practically drooling with envy over the new Prime Minister, Justin Trudeau, in addition to some public policies they would like to see emulated in the U.S. Let’s set aside, for the moment, the fact that immigrating to another country is a complicated and expensive endeavor. If Donald Trump is elected […]

  • Debt collection

    Will a Debt Take Longer to Drop Off My Credit If Another Debt Collector Buys It?credit, Personal Finance

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    When a debt goes into collections, it may change hands several times. Creditors may sell the debt or contract another agency to collect it and this could happen more than once, depending on how much time has gone by with the debt remaining unpaid. It’s important to keep track of who is managing your debt so you know who to pay back and when. (You can find tips for negotiating with a creditor here.) Having a […]

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