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  • Credit Card

    5 Common Credit Score Killers

    Financial Literacy Personal Finance 

    Having a good credit score can help you save a lot of money over your lifetime, but many people find themselves with scores lower than they’d like because they don’t know how much everyday things can hurt their scores. Of course, once you know what those things are, you’re better equipped to improve your credit. Here are five common things that can hurt your credit: 1. High Credit Card Balances One of the most influential factors […]

  • 3 Money Mistakes Newlyweds Make

    Financial Literacy Personal Finance 

    Being a newlywed is awesome. I reflect on that season of my life as one filled with joy and anticipation. Sure, that first year of marriage was full of challenges, enormous adjustments and unexpected changes, but on the whole it was great. We found such relief in finally being marriedand out of engagement. Engagement is a funny time. You often take on new priorities and responsibilities you’ve never had before (like part-time event planner) and […]

  • The Federal Government Needs a Cybersecurity Marathon, Not a Sprint

    Column Blog 

    You may not have heard of Tony Scott, but that may change next week. Over the past 16 years, he served as the chief information officer (CIO) for both Microsoft and Walt Disney, and from 1999-2005 he was the chief technology officer of information systems and services at General Motors Corporation. He was recruited to become the CIO of the U.S. back in February to stop our nation’s cyber-bleeding, specifically at federal agencies like the […]

  • Are Student Loans Causing College Tuitions to Skyrocket?

    Personal Finance 

    Do student loans help students or colleges? A new paper published by the New York Federal Reserve makes a clear, and depressing assertion: Federal student loans and grants are often simply gobbled up by schools through tuition inflation, leaving the students no better off. More dollars chasing the fewer goods cause prices to rise. That’s both a standard economics principle and an often obvious, but punishing reality. During the housing bubble years, the more banks […]

  • 5 Reasons You Shouldn’t Hide From Your Debt

    Financial Literacy Personal Finance 

    Debt may have become so ingrained in your life that it seems natural. Maybe your plans to pay off debt have failed and you’ve even begun to ignore it. Maybe it’s because your debt is so long term (like a 30-year mortgage), it feels like you will never be without it. It’s important, though, to stay motivated to push forward in the repayment process. This is true not only because you have a moral and […]

  • Open Letter on the OPM Breach

    Personal Finance 

    “It’s really frustrating to think that my family might suffer from my information having been stolen.” Those are the words of David Thul, who served 22 years with the Minnesota National Guard, was deployed to Kosovo in 2003 and again to Iraq from 2005 to 2007. “My country didn’t have my back,” Thul told Credit.com’s Christine DiGangi. The latest numbers on the OPM breach are in: 19.7 million security clearance applicants 2 million family and […]

  • The Millennial Mindset That’s Setting Them Up for Financial Success

    Column credit Blog Personal Finance 

    Millennials are big on communication and DIY projects. While some say they are self-centered, or even self-obsessed, others point to their tendency for group-think and communitarian leanings. They believe more in the power of their network of friends than in institutions. One thing is for sure: Millennials are heavily invested in controlling the narrative of their lives — both globally and digitally. While such a tack can be instantly gratifying on social networking sites, it […]

  • 5 Things Identity Thieves Don’t Want You to Know

    Identity Theft 

    Identity thieves don’t want you to read this article. They’ve made an entire industry out of living off of other peoples’ good names. And when you know their typical tricks, stealing your identity is much harder. Unfortunately, not enough people know what puts their identities at risk for theft. And that has helped keep identity theft the No. 1 consumer complaint to the Federal Trade Commission for 15 years running. Do you like the idea of thieves […]

  • social media hack

    Fraudsters harvest data from social media to target grandparents

    Personal Finance 

    The harvesting of personal details blithely posted on social media sites continues. Some of the parties doing this harvesting have criminal intent. One manifested outcome is a rash of scams targeting grandparents. This is yet another example of how the obliteration of privacy—which underpins the business models of Google, Facebook, Twitter and Snapchat— has proven to be a boon for scammers. Fraud investigators at IDT911, which sponsors ThirdCertainty, are helping victims recover from a rash […]

  • Does Your State’s Unclaimed Funds Expose Too Much Private Information?

    Column Government Blog Identity Theft 

    When it comes to privacy, not all states are alike. This was confirmed yet again last week in the 50 State Compendium of Unclaimed Property Practices we compiled. The compendium ranks the amount of personal data state treasuries expose during the process by which individuals can claim and collect unclaimed funds. The data exposed can provide fraudsters with a crime exacta: claiming money that no one will ever miss and gathering various nuggets of personal […]