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


  • Credit report

    Sen. Elizabeth Warren & Rep. Steve Cohen: It’s Time to Stop Employer Credit ChecksGovernment, credit

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    Bad credit can happen for a lot of reasons, but today many people have bad credit through no fault of their own. Illness, job loss, divorce or the death of a loved one can plunge a family into unexpected hard times. In difficult circumstances like these, a drop in income or taking on more debt can badly damage a credit report—even for a person who continues to make every payment on time. For countless Americans, […]

  • Homeowners

    The 5-Minute Checklist for New HomebuyersFinancial Literacy, Mortgages

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    When you are trying to get approved for a mortgage you can afford, it’s important to make yourself as appealing a borrower as you can to lenders. Getting approved can be the difference between getting the home you want and watching competitors beat you out while you move into the lesser property down the street. Follow the below tips before you apply for a mortgage so you can give yourself the best odds of getting […]

  • 16 Ways You May Be Exposing Yourself to FraudColumn, Blog

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    Stand in front of a mirror. There’s the enemy. Fraud doesn’t happen to you in a vacuum. Our personally identifying information (PII) doesn’t just get magically swiped. We “swipe” our information all the time, and it’s time to stop. The world runs on information, and no amount wishful thinking will fully extricate you from that. But there are some best practices. As I detail in my forthcoming book, Swiped, we all need to take responsibility […]

  • Don’t Wait Until 2016 to Make a Credit ResolutionColumn, Blog

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    I get a lot of puzzled looks when I start wishing people Happy New Year after Labor Day — 2016 is four months away, after all. While the Jewish New Year is in two weeks, I’m not talking about that, either. (But since I mentioned it: Happy New Year to you and yours!) I’m talking about the start of a new school year, which is a great time to make a new resolution to improve […]

  • Did You Make One of These 7 Back-to-School Shopping Mistakes?Column, Blog

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    As kids across the country embark on that saddest of journeys back to school after a summer of fun, wondering where all the time went, many parents may be having a similar reaction to the frenzy of back-to-school shopping and where their money went. While getting a child equipped for school is never a cheap date, for families who have a limited budget (or no budget at all) this time of year can be stressful, […]

  • Debt

    7 Mistakes That Can Demolish Your Credit Scorecredit, Personal Finance

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    It’s the irony of all ironies: Shortly after writing a story about the risk of paying a department store card late after the holidays, since it’s not in your usual list of bills to pay, I forgot to pay one of mine. To be fair, I did check online for my statement a couple of times, but it wasn’t ready yet. And somehow I missed the mail telling me when it was finally ready. Thankfully, […]

  • Privacy Is Dead: What You Still Can Do to Protect YourselfColumn, Blog

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    When it comes to cybersecurity, we are all in a state of emergency, but the real question is – is anybody listening? A recent poll commissioned by Intercede, a digital security company, asked more than 1,000 men and women between the ages of 16-35 (aka millennials) in the U.S. and over 1,000 in the UK if they believed current safeguards are effectively protecting their digital identities and personal identifying information from exposure. The resounding answer […]

  • Home ownership

    Are Adjustable-Rate Mortgages About to Become Way More Popular?Mortgages, Personal Finance

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    With the Federal Reserve hinting it may soon begin to boost short-term interest rates, will borrowers turn to ARMs to keep enjoying the rock-bottom mortgage rates they’ve grown accustomed to? “Not in a big way,” said Ken Maes, an executive with Skyline Home Loans NW. “ARMs still have a negative perception.” Maes and other mortgage professionals said they don’t expect to see a surge in ARM applications anytime soon. He noted that while initial rates […]

  • How to Keep Seniors Safe From Internet ScamsConsumer Protection, Identity Theft

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    August is typically the month for back-to-school preparations. With many schools starting in mere weeks, families are busy shopping for supplies and enjoying the final days of summer vacation. Some are even readying their high school and college seniors for the last hurrah. But what about the other seniors in your life? Take a few minutes to think about how you can keep the senior citizens in your life safe from scams and fraud. There […]

  • Lipstick on collar

    Life After Ashley Madison: How to Operate in a World Without SecretsData Security, Technology

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    The other cufflink fell on the Ashley Madison hack Tuesday. According to Wired, 9.7 gigabytes of Ashley Madison data were dumped on the dark web, and the collection appears to “include account details and log-ins for some 32 million users.” Where we go from here is anyone’s guess. According to the Wired article, the hackers left a note with the quarry of ill-gotten files of marital listlessness: “Avid Life Media has failed to take down […]

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