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When You’re the Apple of Their Eye
The World Wide Web seems to be making the world less wide. Everyone is connected to everyone and everything else, and that is changing the way many things are done, particularly advertising and marketing....
S&P Downgrades U.S. Debt… Will Repo Men Come for Air Force One?
By now, nearly every American should know that a “credit report” and a “credit score” represent a measure of our personal financial integrity. Those reports and scores, for individuals, are kept and computed by...
What Do Data Breaches, Globalization and Unprotected Sex Have in Common?
In the 21st century, the data breach apology letter has established itself as a new literary art form. Countless CEOs from corporations big and small as well as elected officials have had to reach...
The End of Digital Innocence: What Does the Epsilon Breach Mean?
Spot Quiz: What does the word epsilon mean to you? It is the fifth letter of the Greek alphabet. As I recall, in its lowercase form, epsilon stands for elasticity, among economists. There might...
The CFPB and Congress’ Need for an Adult Conversation
The Republicans, now in control of our House of Representatives, love to talk about having adult conversations about things, and so I can’t for the life of me figure out why, when it comes...
Data Leak at Stem Cell Bank Makes My Blood Run Cold
The database compromise club has a new member. Mazel Tov, Cord Blood Registry. You are the latest organization to fail in your responsibility to your clients by neglecting to provide even minimal security for...
We Owe Them A Debit of Gratitude
And so, we begin anew.
During the Great Congressional Financial Services Smackdown of 2009 and 2010, Illinois Democrat Richard Durbin inspired fellow Senators to pass an Amendment to the Dodd-Frank Act directing the Federal Reserve...
When Your Facebook Account Becomes Part of the Job Application
This week, in honor of National Consumer Protection Week, Credit.com is highlighting a number of issues to raise consumer awareness. Credit.com chairman and co-founder Adam Levin looks at how your private online information can...
The Church of Identity Theft
Identity theft can happen to anyone, anywhere—and under an almost endless array of circumstances.
Every year, various organizations like the Federal Trade Commission, Javelin, Gartner, Ponemon Institute, Pew and others issue reports that cite an...
Marketing to Students: Should Kids (Under 18) Have a Credit Card?
The CARD Act has a provision that puts some limitations on marketing and granting credit cards to folks under the age of 21.
The provision in question is pretty simple — if a person applying...