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


  • Divorce

    8 Steps to Rebuild Your Financial Life After DivorcePersonal Finance, Money

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    If you’ve gone through it, you don’t need me to tell you how financially devastating divorce can be. Many people lose half (or more) of everything they’ve saved over their lives. This includes their home, retirement, business and investments. If that isn’t bad enough, divorced people often see their income wither while their expenses explode. No doubt about it, divorce is bad news financially. Having said that, all is not lost. In fact, there are plenty […]

  • Foreclosure mortgage

    Worst-Case Scenario: What Does Foreclosure Actually Do to My Credit?credit, Personal Finance

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    A foreclosure can lead to a litany of problems, financial and otherwise, for homeowners and their families. And, as people work to keep their home or simply get through the filing, they often don’t have time to consider their credit score. In fact, for a time, perhaps they shouldn’t. “If a person is going through foreclosure, they have very serious financial issues that are probably reflected in very poor scores,” Rod Griffin, director of public education […]

  • The Real Tax Nightmare May Be on the WayColumn, Blog

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    Tax Day has come and gone. You pulled together the myriad facts and figures that determine what you owe, or the size of your refund. And now you’re waiting for your checks to arrive — or, if you are the nervous, slightly paranoid, type like me, you may be worried about an audit or some other correspondence indicating that you’ve got work to do. While potentially daunting, it’s unlikely an audit or legal notice awaits […]

  • malware

    The Demon Spawn Malware Targeting Your Bank AccountData Security, Technology

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    The internet is a strange and dangerous place, especially when it comes to your personal information. With all the hackers and scammers out there, protecting your information in cyberspace is much more of a challenge these days than simply demonstrating common sense. And you can’t just rely on your bank’s internet security measures anymore. Cyber-thieves have now found another way to target your information with a super hybrid malware combination. Recently IBM X-Force Research discovered […]

  • Couple Mortgage

    Why You Might Not Want Your Spouse on Your MortgageMortgages, Personal Finance

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    Couples may be inclined to buy a new home together — and, if necessary, apply for a home loan — but new data suggest you ought to think twice before saying “I do” to joint mortgages. In fact, according to a note from the Federal Reserve, some borrowers could have saved a lot of money in interest if they’d applied solo. “Specifically, we find that nearly 10% of prime borrowers who applied for their loans jointly could have lowered their mortgage interest rate at […]

  • Affordable Housing

    The U.S. Cities That Are About to Become UnaffordableMortgages, Personal Finance

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    When you hear affordable cities, there are four that should be familiar to you now: Cincinnati, Charlotte, Pittsburgh, Omaha. But here’s a list of U.S. cities that are rapidly becoming less affordable: Cincinnati, Charlotte, Pittsburgh, Omaha. In other words, the secret is out. The good news is, many of these places are still affordable — for now. The bad news is that time might be running out. Data crunchers at RealtyTrac have supplied Credit.com with information on […]

  • Will the Obama Administration Side With Debt Collectors?Column, Blog

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    With the Supreme Court in flux, the highest authority in U.S. law has punted a landmark case over to the executive branch, effectively asking it to decide whether debt collectors can charge interest rates so high they’re deemed illegal in some states. In Madden v. Midland Funding, LLC., a debt collection company purchased the plaintiff’s charged-off debt, but the plaintiff resided in New York state where the usury limit is 25% annually. The complaint was […]

  • Homeowners

    6 Things You Need to Investigate Before You Buy a HouseMortgages, Personal Finance

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    If you’re in the market to buy a house, you already know you need a real estate agent, a mortgage lender, a down payment and, well, a house to buy. While finding the right house can be a tough but exciting challenge, it can also be full of heartbreak. You might find a beautiful home, but, surprise, it needs a lot of expensive work you didn’t initially see — a new roof, a new furnace or a tall fence since […]

  • Housing wealth

    Can’t Find an Affordable Home to Buy? Here’s WhyPersonal Finance, Money

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    If you’ve been searching for a new home, whether to buy your first or “trade up” into a larger or fancier home, chances are you’re having a hard time finding suitable options. That’s because availability of starter (median price $154,156) and trade-up (median price $267,845) homes on the market has decreased over the past four years all across the country, according to a new quarterly report on the supply and affordability of homes. The Trulia Inventory and […]

  • Tax return

    Bernie vs. Hillary: How Do Their Tax Plans Really Stack Up?Financial Literacy, Politics

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    Tax policy is a crucial component of any political campaign, but as important as taxes are to many voters, they’re not easy to understand. Expert analysis comes in handy, but due to the complex nature of tax policy, even that can be puzzling. Take, for example, recent joint research from the Urban Institute and Brookings Institution. Researchers from the left-leaning think tanks’ tax policy centers assessed the tax plans from Democratic presidential candidates Hillary Clinton and […]

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