NextAdvisor Blog - Jocelyn Baird

Jocelyn is a NextAdvisor.com writer with a love for coffee, reading and all things personal security. She currently covers identity theft, credit monitoring and credit cards. She has been a guest on several radio shows nationwide and her cybersecurity and personal finance expertise have been featured by Forbes, USA Today, Kiplinger's Personal Finance, The Huffington Post and more. She is a graduate of Syracuse University with a dual degree in Writing and Rhetorical Studies and Anthropology. Follow her on Twitter @JocelynAdvisor.

Posts by Jocelyn Baird:

How to Stay Out of Holiday Debt This Season

The last few months of every year bring about good cheer, gifting and gorging on sumptuous spreads surrounded by loved ones. Unfortunately, all of this can lead people to spend far more than their budget allows, and when the last of the turkey leftovers has been eaten
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BankAmericard vs. Wells Fargo Platinum: Which Low APR Credit Card is the Best?

These days, it isn’t hard to find a low APR credit card offering a super long 0% intro APR — in fact, right now we review multiple credit cards offering a year and a half or more of 0% intro APR on purchases as well as balance
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Earn 4X Points on Dining and Groceries with the Updated American Express Gold Card

In 2017, the Platinum Card from American Express (a NextAdvisor advertiser) got some enticing upgrades, which we wrote about in detail. Now, it’s the American Express Gold Card’s turn for a makeover. Starting today, both new and existing cardholders will begin earning 4X points at U.S. restaurants
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American Express Perks You Didn’t Know About

American Express (a NextAdvisor advertiser) offers a well-rounded collection of all types of cards, from cash back credit cards and travel rewards cards to those designed for small business owners and an array of charge cards. What you might not realize is that beyond the card-specific benefits
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Best Credit Card for Shopping on Amazon.com This Holiday Season

Updated: Oct. 3, 2018 Learn More If you’re anything like us, you do a lot of your shopping year-round on Amazon.com, thanks to its fast shipping times and wide variety of goods, and its usefulness only increases in the last few months of the year. If you
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A Year Later: What the 2017 Equifax Breach Taught Us

Most data breaches are news today, forgotten tomorrow, but a handful live on thanks to the enormous impact they have on consumers. The 2013 Target breach is one of those breaches people can never stop talking about, and it’s been joined in infamy by the massive 2017
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Can I Get a Special Offer with My Current Credit Card?

Hefty intro bonuses, long 0% intro APRs on purchases and balance transfers and more await those who sign up for a new credit card. But what if you’re a long-time customer? Is your only option to apply for a new credit card from a different provider, or
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Which Credit Card Mobile App is the Best?

It’s no secret that the world is becoming more and more mobile-oriented, and today we’re using our phones to read the news, order groceries, keep an eye on our home security and so much more. Banks and other financial institutions — such as credit card providers —
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What is Credit Health?

We talk a lot about credit health on our personal finance blog, but you might find yourself wondering what exactly we mean by this term. Whether you’re a total novice when it comes to matters of credit or you are simply seeking a deeper understanding of the
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Savor vs. SavorOne: Which Cash Back Credit Card is Right for You?

If you spend your time going out to eat with family and friends or you’re a globetrotter who wants to earn cash back, then you’ll want to pay attention to this post. That’s because Capital One now has two amazing cash rewards credit cards that are perfect
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Best Credit Cards to Build Credit in Your 20s

Updated: Sept. 27, 2018 Your twenties are a time for learning and growing as an adult, and that is especially the case when it comes to your finances. Building credit now means that you’ll have a solid foundation of credit history to leverage in your 30s and
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The Bank of America Travel Rewards Credit Card Just Upped Its Intro Bonus

One of our top travel rewards cards, the Bank of America Travel Rewards credit card – 25,000 Bonus Points Offer, just upped its intro bonus by 5,000 points to a whopping 25,000 points — which you can earn by spending $1,000 in the first 90 days! This
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Pay No Annual Fee with the New American Airlines AAdvantage MileUp Card

American Airlines fans who do a lot of grocery shopping and want to earn free flights might be interested in the new American Airlines AAdvantage MileUp Card from Citi (a NextAdvisor advertiser). This card features a 10,000-mile intro bonus, along with ongoing rewards that include extra miles
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LifeLock Leak Exposes Millions: How Trustworthy are Identity Protection Services?

It’s a tale almost as old as time — a cybersecurity expert uncovers a flaw in a program, website or service that leaves thousands or millions of people’s personal information exposed for any criminal to find. Most people can agree that no security flaws found in systems
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Will I Owe Back Interest When My Credit Card’s 0% Intro APR Ends?

Updated: Sept. 27, 2018 We talk a lot about the benefits that can be had by using a credit card with a long 0% intro APR on balance transfers (as well as purchases) to avoid paying interest on your purchases or existing credit card debt. However, many
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Arrive in Style with One of These Barclays Travel Rewards Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you’re on the hunt for the
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What is a Credit Card Sign-Up Bonus?

There are a lot of reasons to get a new credit card. You might be new to the game of credit and want to build yours up with a credit card. Maybe you’ve been bitten by the travel bug and want a travel credit card that will
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Net Neutrality Has Been Repealed: What Happens Now?

You’ve likely heard the term net neutrality a lot in recent years, and it’s not likely to go away anytime soon. As of Monday, June 11, the Federal Communications Commission’s (FCC) “Restoring Internet Freedom” order officially went into effect. This measure repeals rules put into place by
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How to Establish Credit if You Don’t Have Any

Updated: Aug. 22, 2018 We talk a lot about what to do if you have bad credit, but what if you have absolutely no established credit whatsoever? Surprising as it might be, a healthy chunk of adults living in the U.S. do not have credit files (and,
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Which Credit Card Providers Offer Free Credit Score Tools for Everyone?

While many credit card providers these days include credit scores printed on billing statements or make them available to view online for cardholders, you might be surprised to learn that some providers have begun offering free credit score tools (and sometimes credit reports) as a separate service
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The Fool-Proof Guide to Performing a Balance Transfer

Updated: Sept. 28, 2018 In theory, balance transfers are a simple concept: move your balance from one credit card to another. In practice, though, there are a lot of variables to think about. Will you have to pay a balance transfer fee? What if you don’t get
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New Legislation Means Free Credit Freezes for Everyone

In the aftermath of the Equifax breach, much ado was made about the fact that placing a freeze on your credit with any of the major credit bureaus can be a costly endeavor. Equifax made credit freezes free for everyone temporarily as a response, but for many
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Save on Interest for 15 Months with These Capital One Cash Back Credit Cards

Updated: Aug. 15, 2018 If you’re in the market for a new rewards credit card with a lengthy 0% intro APR, you’ll be interested to know that two Capital One cash back credit cards just increased their 0% intro APRs from 9 months to 15 months on
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These Hilton Honors Cards from American Express Just Added Massive, Limited-Time Bonus Offers

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Travel rewards credit cards come in all
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The Business Platinum Card Just Added a Limited-Time 100,000-Point Bonus Offer

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best business credit cards to find the right card for your needs. If you’ve been thinking about getting
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Does Using DNA Testing Websites Put Your Privacy at Risk?

You’re probably living under a rock if you haven’t heard the term “Golden State Killer” at least once in the past week. A decades-old serial killer and rapist was allegedly caught thanks to a combination of old-fashioned police work and technology known as familial DNA. Besides the
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How to Apply for a New Credit Card When Your Credit is Frozen

The standard advice to consumers in the U.S. these days is to place a freeze on their credit reports with all three of the major credit bureaus. Doing so helps protect against misuse by identity thieves and other criminals, because it prevents any new accounts from being
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New Poll Shows 55% of U.S. Facebook Users Concerned About Data Theft: How to Protect Yourself

In light of the recent Cambridge Analytica scandal, Facebook users are up in arms — and rightly so — about the potential use and misuse of their data by the social media network and its advertising partners. A recent poll conducted by Gallup revealed that 55% of
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The Credit Bureaus are Removing Tax Liens from Credit Reports: Will Your Scores Increase?

It can be a bit mystifying to the average person when deciphering which information goes in their credit reports and which does not. One detrimental piece of information will soon be completely removed from all credit reports compiled by the three main credit bureaus, which could have
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Get Mobile Phone Protection with a Wells Fargo Credit Card

Updated: July 12, 2018 We’ve all done it at least once. You’re walking to your car from the grocery store, mind a million miles away, and as you fumble in your pocket for your keys, out pops your cell phone instead. Before you can react, it tumbles
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Earn Upwards of 75,000 Miles Every Year with the New Barclays Arrival Premier World Elite Mastercard

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. A new travel rewards credit card is
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Atlanta Ransomware Attack Shuts Down the City’s Government: Why Does It Matter?

On March 22, city officials across multiple departments in the Atlanta municipality were rendered dead in the water as a ransomware known as SamSam spread through the city’s computer system, encrypting files and locking them out of their computers. While not all departments or computers were hit,
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Data Breach Roundup: Saks Fifth Avenue, Lord + Taylor and MyFitnessPal Breach Details

News moves fast, especially in the world of cybersecurity, and it can be hard to keep up. This week, we’re hitting on the important points of two recent data breaches you need to know about to help keep yourself informed and protected. Keep reading to learn the
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Don’t Let Increasing Interest Rates Get You Down: These Low-APR Credit Cards Can Help

Updated: Sept. 13, 2018 Up and up the federal interest rate has been climbing in recent years, thanks to strong economic growth. While some industries and consumer products, such as CDs and savings accounts, benefit from these rate hikes, increasing interest rates can spell bad news for
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How is My Minimum Monthly Credit Card Payment Calculated?

One of the questions we receive a lot, especially from those looking to transfer a balance, is what the minimum monthly credit card payment will be. While we always encourage people to avoid interest altogether by paying off their balance in full each month, sometimes you can’t
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The NextAdvisor Content Team Visits Red Ventures HQ

You might have noticed that we’ve been a little quiet this past week, and there’s a very good reason: the NextAdvisor content team took to the skies and flew from San Francisco, CA to Charlotte, NC to visit our parent company’s headquarters. Red Ventures acquired Bankrate and
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Earn Up to 55,000 Bonus Miles with the Delta Reserve for Business Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Any business owner that hits the airport
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Earn 50,000 Bonus Miles with the Citi / AAdvantage Platinum Select World Elite Mastercard

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Whether for work or play, flying is
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2.4 Million More Equifax Breach Victims Discovered: Are You One of Them?

An announcement posted to the official Equifax cybersecurity incident website on March 1, 2018 states that the company has identified an additional 2.4 million consumers whose information was involved in the massive data breach first disclosed in September 2017. This brings the total number of data breach
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Earn Up to 70,000 Bonus Miles with These Delta SkyMiles Business Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. When you run a business, every dollar
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Citi Issuing Refunds to 1.75 Million U.S. Accounts: Will You Get One?

We sometimes take it for granted that the banks and other financial institutions we do business with have our best interests at heart, or are at least following the legal guidelines set out for them, but unfortunately that is not always the case. This was proven in
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3 More Discover Card Perks You Didn’t Know Existed

Updated: Sept. 14, 2018 When you apply for a new credit card, you’re probably focused mostly on the features and benefits that are specific to the card, like its intro APR or what kinds of rewards it earns. However, it can be equally worth your while to
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Facebook Facial Recognition Technology is More Powerful Than Ever: Can You Opt Out?

Facial recognition technology is one of the more powerful and, sometimes, frightening aspects of the biometric technology boom that has swept the world in recent years. We’ve written a lot about various advances in this technology, from apps that let you upload a picture so you can
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The Amex EveryDay Credit Card from American Express Just Added an Exciting Balance Transfer Offer

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Sometimes, change can be a good thing,
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Equifax Misled Consumers on Size of Data Breach: Even More Information Compromised

If you thought the Equifax data breach saga concluded in 2017, you thought wrong. Following a letter sent by Sen. Elizabeth Warren on Feb. 9 which claimed the much-maligned consumer reporting agency had provided “misleading, incomplete or contradictory information” to Congress and the public during the aftermath
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Tax Season Post-Equifax: What the Massive Data Breach Means for Your Taxes

Unless you’ve been living under a rock for the past four months, you’re probably well aware of the massive Equifax data breach that was disclosed in September 2017. This breach impacted millions of Americans, exposing all kinds of personal details and bringing questions about credit bureau security,
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What Can American Express Charge Cards Offer You?

Updated: May 9, 2018 We recently published our roundup of the top American Express credit cards (a NextAdvisor advertiser), but that’s not all this issuer has to offer. It also produces a variety of charge cards for both individual and business use, and we want to make
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Get 50,000 Bonus Points with the Bank of America Premium Rewards Credit Card

Fly high with the Bank of America Premium Rewards Credit Card, which not only lets you earn rewards points on travel and dining out, but also offers a plethora of travel-specific benefits and a spectacular 50,000 bonus point opportunity. If you’re wondering how exactly this card can
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Best American Express Credit Cards

Updated: Aug. 1, 2018 American Express offers a wide selection of credit cards, so chances are whatever it is you’re looking for, there’s a card that’s right for you — whether you’re a small business owner looking to make the most out of your expenses, a large
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The Force Was Not with 2017’s Worst Passwords, But It Can Be with Yours

You can count on plenty of “top 10” lists to be circulated during the transition from one year to another, naming everything from the best movies to the top tweets heard around the world during the previous year. Another list that we’ve come to both love and
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Best Credit Cards for Your New Year’s Resolution

Updated: Aug. 6, 2018 New year, new set of goals and dreams to work toward. 2018 is upon us, and while you might not feel 100% ready, you can get a head start by tackling your New Year’s resolutions head-on. Whether or not you make traditional resolutions,
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Unprotected Database Exposes 120 Million American Households: Are You at Risk?

A security researcher recently published his findings of a massive, unprotected database that contained a treasure trove of data on more than 120 million American households. If this seems like déjà vu, it’s probably because this is eerily similar to a story we reported in June that
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NextAdvisor Survey Reveals Americans’ 2018 Financial Resolutions

As December marches toward a close, people around the world are finding themselves reaching the end of 2017 and looking forward to a new year. It’s traditional for many people to make resolutions, wishes or goals in the weeks leading up to Jan. 1 and while not
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Cybercriminals are Using HTTPS Phishing Sites: What Can You Do to Protect Yourself?

Do you know the key to identifying a fake website versus a legitimate one? It’s something we’ve discussed repeatedly before, and by now many people probably believe that one of the cornerstones of a secure website is HTTPS in the URL and a green lock icon in
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End-of-Year Fed Rate Hike: What It Means for Your Financial Life

Updated: Oct. 11, 2018 Although it might seem like interest rates just increased, the Federal Reserve met on Dec. 13 and voted to raise them for the third time in 2017 by a quarter of a percentage point, bringing short-term interest to a range of 1.25% to
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Best Cash Back Credit Cards for Foodies

Updated: Aug. 15, 2018 If you frequently find yourself seeking out the hottest new restaurants in your city or chasing after the latest food craze, chances are you’d be ecstatic to pay for all those meals with a credit card that earns you cash back when you
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Uber Faces Legal Backlash Over Breach Cover-Up: Were You Exposed?

Ridesharing service Uber has been through the ringer in recent years, and it doesn’t seem like things are going to slow down for it any time soon. From claims of a hostile working environment within its corporate ranks to instances of violence against both drivers and passengers
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What is the Consumer Financial Protection Bureau and Why Does It Matter?

We have referenced the Consumer Financial Protection Bureau, commonly referred to as the CFPB, frequently in recent years due to its role in protecting and promoting consumer safety in the financial world. Beyond our website, it’s likely that you’ve heard the bureau’s name or acronym invoked at
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Which are the Best Citi Credit Cards?

Updated: Oct. 11, 2018 If you’re looking for a new credit card, be it one offering strong cash back rewards or a lengthy balance transfer offer, then you might find yourself looking at a card from Citi (a NextAdvisor advertiser). This issuer offers some top-notch credit cards,
[Read More]

Best Small Business Credit Cards to Give You a Boost in the Year to Come

Updated: April 26, 2018 It’s almost halfway through 2018, and you might find yourself wondering what you can do to take your business to the next level. If you aren’t using a credit card designed specifically for small business owners to cover your expenses, then you are
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My First Year as a Discover it Cash Back Cardholder

Updated: July 7, 2018 Last year, I wrote about my experience applying for and receiving the Discover it Cash Back credit card. It’s been a little over 12 months now, and as such, I wanted to write a follow-up post detailing what it’s been like in this
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We Ranked the Best Bank of America Credit Cards

Updated: May 16, 2018 Bank of America offers a small but robust selection of credit cards that suit a variety of purposes, from small businesses looking to earn rewards to consumers in need of a balance transfer credit card. What’s more, depending on the card, you could
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Why an Identity Thief Wants to Change Your Address

Identity thieves are sneaky and prone to coming up with all sorts of inventive tricks to wreck their victim’s lives, and one of the oldest forms of fraud is mail theft. With the advent of the Internet, that can be taken to a whole new level since
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We Got the Scoop on the Perks of Dining with the Premier Rewards Gold Card from American Express

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Going out to eat, whether you’re grabbing
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How to Choose Between These 2 HSBC Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Anytime you’re looking at more than one
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New Capital One SavorOne Cash Rewards Credit Card Earns Cash Back on Dining and Groceries

Updated: Aug. 15, 2018 A cash back rewards credit card can be one of the most valuable financial tools in your wallet, especially during the buzz of the holiday season when you’re running back and forth from place to place, spending money as you go. If you’re
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Equifax Breach Updates: Malicious URLs, 10.9 Million Stolen Driver’s Licenses and More

As information gleaned from the investigation into its data breach is analyzed, Equifax has continued to release more details on exactly who and what were compromised when hackers ran loose for four months in the credit bureau’s computer systems. To keep you up to date with the
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Where are They Now: Catching Up with 4 Past Data Breaches

In the immediate aftermath of a large-scale data breach, you see and hear plenty of information about it as the story unfolds. Some data breaches remain in the news for a few months, while others fade away after just a couple of weeks. However, just because a
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What We Learned from the Congressional Equifax Hearings This Week

Nearly a month has passed since the massive breach of credit reporting bureau Equifax’s systems was revealed. According to a final report from the investigation released earlier this week, the breach comprised 145.5 million consumers’ details, including social security numbers. Immediately, the company was inundated with phone
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Data Breach Roundup: Deloitte, Sonic and Whole Foods

Unfortunately, cybercrime does not exist in a vacuum, so although the Equifax breach has taken precedence in recent weeks due to its sheer size and impact, it’s important to take note of what else is happening in this arena. Consider that in the first half of 2017
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Equifax Breach Impacted 2.5 Million More People Than Originally Reported

When credit bureau Equifax disclosed that it had suffered a massive data breach nearly a month ago on Sept. 7, it acknowledged that the investigation into the matter was not yet fully complete. A press release published on Oct. 2 reported that Mandiant — the firm contracted
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Cleaning Up Its Mess: Equifax TrustedID Premier Enrollment Extended and New Service Announced

Following the retirement of its now former CEO on Sept. 28, Equifax hired Paulino do Rego Barros Jr. to serve as its interim CEO. He began his tenure by publishing an OpEd in the Wall Street Journal on Sept. 27, apologizing for the company’s many failures in
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Earn Extra Cash with the Best Credit Cards for Holiday Shopping

Updated: Aug. 13, 2018 Nothing puts the happy in your holiday season like earning extra cash back on all those purchases you make. From family dinners and cocktail parties with your closest friends to presents for everyone — from grandma all the way to the dog —
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We Signed Up for Equifax’s TrustedID Premier and Here’s What Happened

Updated: Sept. 28, 2017  Although we have advised caution when it comes to enrolling in the free TrustedID Premier credit monitoring and identity theft protection offered by Equifax to all U.S. consumers in light of its massive data breach, we also know that many people will opt
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Equifax Blunders Keep Piling Up: The Latest Updates to This Data Breach

If you’re tired of hearing about Equifax, unfortunately, it appears as though news surrounding the credit bureau’s massive data breach that impacted 143 million consumers (or more) is not going to slow anytime soon. According to a confidential report sent by Equifax and compiled by Mandiant, the
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Is LifeLock the Right Choice to Protect You from the Equifax Data Breach?

Updated: Sept. 28, 2017 Thanks to a massive data breach which lost the sensitive personal information of 143 million consumers — and probably anyone with a credit history — more people than ever are looking into credit report monitoring and identity theft protection services. Equifax, the credit bureau
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Unpatched Equifax Vulnerability Led to Massive Data Breach: What Does This Mean?

Barely a week old, the Equifax data breach has already become one of the most infamous of them all, thanks to a host of problems with the company’s disclosure and recovery efforts, rumors of employees using inside knowledge of the breach to profit and the sense of
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Equifax Progress Report Addresses Data Breach Criticism

After being lampooned by all manner of media, consumers, security professionals and even government officials for the manner in which it handled last week’s disclosure of a massive data breach, Equifax has updated its site with a progress report in response to the numerous complaints. One shorter
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143 Million Customers Exposed in Equifax Breach: Are You One of Them?

Updated: Sept. 28, 2017 In a statement released on Sept. 7, Equifax — one of the three major credit reporting bureaus in the U.S. — announced that it had discovered an intrusion by hackers into its systems, resulting in the personal information of 143 million consumers being
[Read More]

Pay No Annual Fee with the New Blue Delta SkyMiles Card from American Express

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. The Blue Delta SkyMiles Card from American
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3 Unexpected Perks Discover Cardholders Get

Updated: Oct. 15, 2018 We wrote about how to choose which is the best Discover credit card for your lifestyle and needs, and while we briefly spoke about the great perks available to all Discover cardholders, we didn’t go into explicit detail about them. Owning a credit
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1.4 Million More Suspicious Wells Fargo Accounts Discovered: What Does This Mean for You?

The Wells Fargo scandal which broke in 2016 surrounding fraudulent consumer accounts opened by bank employees doesn’t seem to be going away anytime soon, as the results of a third-party investigation have determined that an additional 1.4 million fraudulent accounts may have been opened. This brings the
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How Credit Card Issuers are Working to Help Hurricane Harvey Victims

As the toll of the damage caused by Hurricane Harvey keeps rising, many people across the country are looking for ways to help out as best they can. We’ve already discussed the importance of using a trusted method of donating, such as going straight through a charity’s
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What to Do if Your Important Documents are Lost or Destroyed in a Disaster

Between natural disasters like hurricanes and tornadoes and man-made tragedies like house fires and gas line explosions, there are plenty of ways you might end up losing a majority of your personal belongings. Sometimes, these losses can include sensitive personal documents, such as your birth certificate, social
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Which are the Best Barclaycard Credit Cards?

Updated: July 7, 2018 Wondering if a credit card from Barclaycard is right for you? Whether you are on the hunt for a card that earns you cash back or travel rewards, Barclaycard has options to consider. Keep reading as we explore the best Barclaycard credit cards
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Filling Out Back-to-School Forms? Keep These Privacy Tips in Mind

Whether school is already in session or you’ve still got a couple weeks of summer vacation left to savor, for students and parents across the U.S., there’s no denying that it’s officially back-to-school season. Between shopping for new clothing and supplies, deciding which teams and clubs to
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The Best Capital One Business Credit Cards

Updated: Dec. 13, 2017 Choosing the right credit card for your small business is important, as it can help serve as one of the financial building blocks to your success. Whether you want to earn air miles or cash back for your business purchases, or you need
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What is COPPA and How Does it Protect Your Children Online?

Online privacy is an important concern for people of all ages, especially in the Digital Age, but it is perhaps most important when it comes to the most vulnerable digital citizens: children. Parents must fight an uphill battle when it comes to their kids’ privacy, considering how
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These are the Best Capital One Credit Cards

Updated: Aug. 15, 2018 Capital One is a powerhouse when it comes to credit cards, offering a plethora of great choices for personal and business use alike. With so many options available, it can be tough to choose the right card for your needs. That’s why we
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What to Do if You Discover Your Identity Was Stolen as a Child

No matter how old you are, discovering that you’ve been a victim of identity theft is never a happy experience. However, young adults — especially those who have only recently become adults — can have a much more difficult time due to their unfamiliarity and inexperience when
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How to Choose the Best Discover Credit Card for You

Updated: July 26, 2018 Time and time again, Discover has proven itself to be a consumer favorite, taking the top spot three years running (2014, 2015 and 2016) in the J.D. Power U.S. Consumer Credit Card Satisfaction Study. Like many of its fellow credit card issuers, Discover
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Limited-Time Offer: Pay No Annual Fee for Your First Year with the Blue Cash Preferred Card

This offer has expired. Please visit our Blue Cash Preferred Card from American Express review to find the updated offer information. When it comes to earning cash back, few credit cards pack as big of a punch as the Blue Cash Preferred Card from American Express (a
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Are You Making These Smartphone Security Mistakes?

Smartphones are almost like second brains for a lot of people these days, and few of us leave our homes without them — or even have them out of our hands for long. We use them to keep in touch with family and friends, conduct business, make
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Is It Safe to Apply for a Credit Card Online?

Updated: Jan. 10, 2018 Putting your sensitive personal information into a form on a website in this day and age, with so many instances of data breaches and phishing scams, can be nerve-racking for many people. The last thing you want to do is input your social
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Protect Your Identity with This Limited-Time 15% LifeLock Discount

Protecting your identity and keeping an eye on your credit are tough jobs for one person to do on their own, which is why a membership with a reputable service that does both for you can be a huge asset. Not only do these services give you
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Why is Three-Bureau Credit Report Monitoring Important?

It’s no secret: your credit health is important. While you might hear about your credit in terms of your credit report or credit score, the truth of the matter is that each person has three of each from the major credit bureaus — Experian, TransUnion and Equifax.
[Read More]

Experian IdentityWorks: What Does This New Identity Theft Protection Service Have to Offer?

Though we’ve seen multiple identity theft protection services come and go over the past few years, the core issue that these businesses seek to address has steadily remained a problem for millions across the country. While there is no way to completely prevent identity theft, having a
[Read More]

Discover Announces Free Identity Theft Protection Alerts for Cardholders

Updated: July 26, 2018 Identity theft is everywhere these days, and it’s become such a prevalent problem that many financial institutions are taking action to try and combat it. Discover has tossed its hat into the ring with a new set of identity theft protection features for
[Read More]

Reward Yourself with a $150 Intro Bonus from the Capital One Quicksilver Cash Rewards Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Right now is a great time to
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Which Balance Transfer Credit Cards Offer the Best Long-Term Rewards?

Updated: Nov. 28, 2017 Getting a new credit card to take advantage of its 0% intro APR on balance transfers can be a smart financial move, especially if you are currently paying high interest on the balances of one or more credit cards. That said, what happens
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How Cybercriminals Can Use Your Cell Phone Number to Steal Your Identity

We often think of our social security numbers as being the crucial key to unlocking our identities, and it certainly is, but there’s a new kind of key that’s becoming more and more valuable to cybercriminals year by year — your cell phone number. When you think
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Is a Branded Travel Rewards Credit Card Right for You?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Traveling is so much better when you
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Everything You Need to Know About Smishing or Text Message Phishing

As technology advances, so do the criminals using it to try and target innocent people to steal their information and money. We have written about all kinds of techniques used by scammers, with one of the most frequently highlighted being phishing. In case you aren’t in the
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Battle of the No-Fee Balance Transfer Credit Cards

Editor’s Note: As of Sept. 19, 2017, the Barclaycard Ring Mastercard is not available. Visit our reviews of the best balance transfer credit cards to find the right card for you. Planning to use a new credit card with a 0% intro APR to transfer a balance
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How Many is Too Many Credit Cards?

Some people are afraid to own a credit card period, but others wind up with too many and ultimately harm their credit in the long run. Is there a way to tell how many is too many credit cards? Although there is no specific number of credit
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Why It’s Important to Report Identity Theft and How to Do It

Identity theft is a crime that a shocking amount of Americans face at one point or another in their lives, thanks in part to the rise in data breaches which spread personal information far and wide for criminals to easily get their hands on. Add in other
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4 Groups of People Most at Risk for Identity Theft

Identity theft is a crime that can touch just about anyone, from infants to celebrities, but some people are more at risk than others. While it’s important to understand that you could become a victim of identity theft no matter what, in this post we’re outlining four
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Nearly 200 Million Voter Records Exposed: What This Means for You

In what’s being called the largest leak of U.S. voter data ever discovered, a company hired by the Republican National Committee (RNC) has admitted to and claimed full responsibility for the exposure of information pertaining to nearly 200 million registered voters in the U.S. A massive, unsecured
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The Ultimate Guide to 0% Intro APR

Updated: Oct. 9, 2018 When it comes to credit cards, perhaps one of the most important — and misunderstood — aspects is the annual percentage rate, or APR. There’s a lot of hype surrounding 0% intro APR, but what exactly is it and why does it matter?
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Why are There So Many Different Types of Credit Scores?

One of the biggest misconceptions when it comes to credit is that each person only has a single credit score. That’s far from the truth — in reality, you have potentially dozens of different three-digit credit scores out there. This makes matters complicated, especially when it comes
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Data Breach Roundup: OneLogin, Chipotle and Kmart Report Breaches

Data breaches are a part of life in today’s technology-fueled world, but they’re nothing to get complacent about. In this data breach roundup, we talk about three recent data breaches that might have impacted you and detail exactly what happened, who was affected and what the company
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Wells Fargo Platinum Visa Card Just Extended Its 0% Intro APR to 18 Months

Editor’s Note: As of Jan. 8, 2018, the offer detailed in this post is no longer available. Visit our Wells Fargo Platinum Visa Card review to see what the card currently offers. When it comes to a 0% intro APR period, the longer the better, and anyone
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Is an Online Savings Account Right for Your Student’s Summer Job Earnings?

Having a job during the summer months between school years can be an incredibly rewarding experience for students, teaching them lots of valuable life lessons while allowing them to also earn some of their own money. Because it’s important to teach your kids about money early to
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4 Ways to Use Your Credit Card Responsibly

We are consistently reminding our readers that they should be using their credit cards responsibly, but what exactly does that mean? A credit card can be an invaluable financial tool, but as with any tool, there are actions you can take to maximize your credit card’s usefulness
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Why Social Media’s Fight Against Revenge Porn Should Matter to Everyone

Although the Internet has connected people to one another with relative ease, there are certainly plenty of cons to balance out the pros of this technology. People of all ages are quick to share and post photos and videos of themselves through the mediums of social media
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BankAmericard Credit Card Now Features a $0 Balance Transfer Fee Offer

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best balance transfer cards to find the right card for your needs. While there are a number of
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New U.S. Bank Credit Card Reviews: Customize Your Cash Back and More

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you’re looking for a credit card
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Social Media Privacy: How Do Your Habits Compare to the Average Person?

Last week, we wrote about the social media password habits of adults of all ages, using the results from a survey we recently conducted of 504 adults ages 18 and older. As a follow up, this week we’ve got our analysis of the rest of those survey
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Global Cyberattack Hits 150 Countries with Ransomware: How to Protect Yourself

Cyberattacks seem to be growing not only in sophistication, but in reach, and over the weekend the largest such attack occurred. Thousands of computers in hundreds of countries worldwide were infected by a strain of ransomware dubbed “WannaCry” (also referred to as “WanaCrypt”). The attack began on
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Which Credit Card Transactions Can’t Earn Rewards?

Chances are, if you own or are looking to own a rewards credit card, you want to be able to earn the maximum rewards possible. You are probably aware that certain types of transactions performed with your credit card can earn you a certain percentage or number
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How Secure are Your Social Media Passwords?

We preach about the positives of using strong, secure passwords for every one of your online accounts all the time, but the truth is that a lot of people probably don’t view every account they have as needing the same level of security as the rest. You
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Google Docs Phishing Scam: When Changing Your Password Won’t Cut It

Gmail users have already faced one advanced scam at the beginning of this year, so when the news broke yesterday that yet another round of eerily convincing phishing emails was making the rounds, many people were probably shaking their heads and saying, “Not again.” It’s no secret
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Best Business Credit Cards with No Annual Fees

Updated: April 26, 2018 When you run your own business, you quickly discover that there are costs associated with just about everything. Little costs can add up over time, so it’s nice to get a break from the extra fees when you can. That’s why choosing a
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Federal Student Loans: What Students and Their Families Need to Know

It’s that time of year when prospective college students and their families are facing the future and making decisions about where to attend school. One of the biggest factors for students and their families to take into consideration is how to pay for college. There’s no denying
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Data Breach Roundup: Payment Card Breaches, Microsoft Windows Vulnerabilities and More

A couple of years ago, it seemed like every time people turned around, a different retailer was being hit by a data breach. Nowadays, the focus of hackers seems to have turned toward hotels and restaurants, as we’ve seen from the numerous data breaches within both industries
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Will Bankruptcy Prevent You from Getting a Credit Card?

Updated: Aug. 6, 2018 Bankruptcy is simultaneously financially liberating and debilitating, as it enables you to get out from under the weight of your debts while also putting a black mark on your credit that can remain for up to a decade. No matter whether you are
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Fixed or Rotating Cash Back: Which Credit Card is Best for You?

Updated: Dec. 6, 2017 When it comes to choosing a cash back credit card, there are a lot of factors that go into picking the right card for you, from how you earn cash back to what other perks and benefits the card has to offer. Many
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Get 3% Cash Back at Restaurants with the New Capital One Premier Dining Rewards Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks are expired. Visit our reviews of the best credit cards to find the right card for your needs. Capital One is looking to serve up some generous rewards on people
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Are You Making Safe Online Payments?

Shopping and selling online has become a fairly ubiquitous habit for many people, and there are plenty of websites that offer both buyers and sellers the opportunity to connect and get the deals and sales they want without a lot of hassle. Unfortunately, this process also attracts
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3 Tips to Make Your Phone Less Hackable

We’ve written in the past about what to do if you discover that your phone has been lost — or worse — stolen. While the advice that you’d get in a situation like that is certainly valid and helpful, one thing most people who have gone through
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Smart Speakers and Voice Recognition: Is Your Privacy at Risk?

Using your voice to control the music coming out of your speakers, lock your doors or place an order for paper towels might seem like something out of a science fiction movie, but these days it’s a reality thanks to smart speakers like Amazon’s Echo. As convenient
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Is The Platinum Card from American Express Worth the Annual Fee?

A premium travel rewards credit card, The Platinum Card from American Express, (a NextAdvisor advertiser) just got better, as the card just received a number of upgrades to its perks and rewards. We recently wrote about our experience attending a special event with multiple American Express representatives
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Congress Halts Internet Privacy Protections: How Does This Impact You?

Updated: June 12, 2018 Less than six months after the FCC voted to pass a set of new rules to protect consumers’ Internet privacy, Congress has stopped them in their tracks with a vote to dismantle the regulations before they could truly go into effect. The bill,
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What the Suspension of This IRS Tax Tool Means for Students Applying for Financial Aid

Right now is crunch time for high school seniors and college students all across the country who are applying for financial aid to help cover the cost of college, but a big wrench has been thrown into the middle of the process for some due to the
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Can I Decline a Credit Card if I Change My Mind?

Applying for a new credit card is an exciting and somewhat nerve-racking experience. Whether you’re hoping to be approved for a balance transfer credit card so you can take advantage of a 0% intro APR offer or you want a new rewards credit card to begin racking
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Tax Scam Hits Government Contractor: What You Can Learn from It

As the deadline to file taxes draws nearer, the scammers and identity thieves who thrive on stolen tax returns this time of year are ramping up their schemes. Nobody is exempt from falling for a tax scam, not even cybersecurity professionals, as shown by evidence that Virginia
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Russian Hackers Charged in the 2014 Yahoo Breach: What You Need to Know

It’s been a rough year or so for Yahoo, which announced not one, but two massive data breaches nearly back-to-back in the last quarter of 2016, and nearly lost its acquisition by Verizon as a result. Although they were revealed close together, the two breaches are thought
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Get a 0% Intro APR on Purchases with These Credit Cards

Updated: Oct. 8, 2018 We talk a lot about credit cards with long 0% intro APR periods on balance transfers, but what if you’re looking for a lengthy 0% intro APR on purchases? If you have a large purchase planned in the near future, chances are you
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Credit Report Changes are Coming: Will Your Credit Scores Go Up?

Credit reports are an inescapable part of American consumer life, which means that what’s on them can make or break you when it comes to acquiring loans, opening credit cards, landing a job or even finding lasting love. Over the past few years, some changes have been
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Is It Possible to Catch Child Identity Theft Early?

One of the more insidious kinds of identity theft is child identity theft. Since children aren’t supposed to have credit in the first place, this crime is often not discovered until years after the fact, when the child has grown into an adult and goes to open
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National Consumer Protection Week: Tips for Being a Savvy Consumer

Most people probably don’t realize it, but this week is National Consumer Protection Week. Held for one week in March annually since 1998, this event is spearheaded by the FTC with support from government offices and private organizations alike with one common goal in mind: to help
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My Experience Getting a Discover it Cash Back Credit Card

Updated: July 7, 2018 When considering a new credit card, it’s important to look at what the card can do for you as well as what the drawbacks might be. Unfortunately, it can sometimes be difficult to ascertain whether a specific feature or perk will be as
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What’s the Best Credit Card for Your Lifestyle?

Updated: Sept. 28, 2018 Like so many other things in life, credit cards are not one size fits all. Depending on a host of different factors, such as how often you travel or whether you’ve got a big family with an even bigger grocery budget, one credit
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Cybersecurity News Brief: Arby’s Data Breach, Email Privacy and More

Between data breaches and updates to social media network policies and new legislation, plenty has been happening in the wild world of cybersecurity over the past couple of months. 2017 has barely gotten started, and already we have seen plenty happening on the cybersecurity front. It’s hard
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Airport Trusted Traveler Programs, Biometrics and Your Identity: How They Relate

Anyone traveling by airplane in the U.S. over the past decade or so knows that getting through security can be an absolute nightmare. Not only does it usually require arrival at the airport hours before boarding time, but you need to ensure that you have a number
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Scammer on Line 2: Phone Scams Top the BBB’s Scams List

As you may have heard in recent news, the phrase “Can you hear me now?” has been resurrected by scammers telephoning unsuspecting victims and opening with that question. This simple, yet ingenious scam is designed to obtain a recording of your voice saying “Yes” which can be
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Data Privacy Day: Test Your Data Security Knowledge

Privacy is hard to come by in the Information Age, especially when it comes to the data we keep on our computers, smartphones and other devices. With everything from data breaches that expose your information to identity thieves to scammers who want to take advantage of you
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Which Credit Bureau Does My Lender Check?

If you are planning to apply for a new credit card or a loan, something you might want to know before you apply is which of the three credit bureaus — Experian, Equifax and TransUnion — the lender will use to check your credit. The benefits of
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Can a Balance Transfer Improve My Credit?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Credit is important in many aspects of
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Earn 50,000 Bonus Points with the Southwest Rapid Rewards Plus Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. When it comes to choosing a travel
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3 Security Predictions for 2017 and How to Prepare for Them

As important as it is to look back on the year that just ended, when it comes to cybersecurity, it’s even more important to look ahead. In late November 2016, Intel Security released its annual McAfee Labs Threats Predictions Report for 2017, which included numerous security predictions
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State-Sponsored Hacking: Why You Should Care

If you’ve been paying attention to the news lately, you’ve probably heard plenty about sanctions taken against Russia by the Obama administration in response to what is being called, “significant malicious cyber-enabled activities.” The White House has said that state-sponsored hacking by Russia during the election, in
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Stick to Your New Year’s Resolution with These Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. The time of year has come to
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You are What You Tweet: Teaching Teens Responsible Social Media Habits

Most adults are aware of the potential negative impact the things they post online could have on their personal and professional reputations. Teenagers, on the other hands, are often left out of the equation when we talk about managing your online reputation. Considering the majority of teens
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Why Isn’t My Credit Card Accepted Everywhere?

Although most credit card issuers claim that their cards can be used everywhere, that isn’t the case, as anyone who’s ever owned a Discover or American Express credit card can tell you. It can be mildly annoying to downright detrimental to discover you can’t use your credit
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If I Already Own a Credit Card, Can I Take Advantage of New Limited-Time Offers?

Updated: Oct. 11, 2018 Q: I’ve had my credit card for a few years now, and I just saw a review on your website advertising 12 months of 0% intro APR for this same credit card. Is there any way I can take advantage of this offer
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1 Billion More Yahoo Accounts Hacked: What You Need to Know

It’s bad enough when a company experiences one major data breach, but two in a span of a few months is downright devastating. Yahoo users learned on Dec. 14 that their account data may have been stolen in yet another breach, which has double the potential user
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Why Can’t I Use My Chip Card Everywhere Yet?

If you live in the U.S., chances are you’ve received a new credit or debit card in the past year with a chip embedded in it. However, you’ve probably noticed that you can’t use your chip to make payments everywhere yet. Although it’s been more than a
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Should You Use People Search Services to Look Up Your Nanny?

When you hire someone to come into your home to perform a job, whether it’s a long-term service like taking care of your children or a one-time task like home repairs, you want to make sure that you aren’t inviting danger in. One way to make sure
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Which Wells Fargo Credit Card is Best for You?

Updated: July 12, 2018 If you’re a Wells Fargo customer (or planning to become one), you might be considering getting a credit card with your bank to streamline your financial experience. The good news is, there are a number of Wells Fargo credit card options on the
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What You Need to Know About Credit Card Authorized Users

Most credit cards come with more perks and features than you might realize, such as travel benefits like roadside assistance and free credit scores printed on your monthly statements. One feature many people might not take notice of or understand is the ability to add authorized users
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The Future of Cybersecurity in America

There isn’t much of 2016 left, and what a year it’s been, especially when it comes to cybersecurity. Based on the data breaches and other security incidents that happened over the course of 2015, we already knew that nobody is untouchable by hackers. But that point was
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Best Credit Cards for Shopping on Cyber Monday

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. One of the best aspects of the Internet is
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Adult Website Data Breaches Pose Risk of Blackmail to Those Exposed

Few people find themselves excited about a data breach, but the information entrusted to certain types of websites certainly carries more potential to cause serious damage than others. When the database of a website is privy to some of the darker secrets its users would rather not
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Get 5X Rewards on Gas, Groceries and More with the Wells Fargo Rewards Visa Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you’ve got a go, go, go lifestyle that
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What Should I Do if My Credit Card is Stolen While I’m Abroad?

When you leave the comfort and safety of your own backyard, especially if you’re traveling outside the country, the last thing you want to deal with is having your credit card stolen. Whether it happens the old-fashioned way by someone stealing your wallet or you’re the victim
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4 Ways Identity Theft Can Impact Your Life

Everyone knows that becoming a victim of identity theft can lead to credit problems and financial woes, but there are many more ways identity theft can impact your life than you might realize. Since 2003, the Identity Theft Resource Center (ITRC) has conducted a series of studies
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Earn 2X Rewards When You Shop Small with American Express

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. The ghouls and goblins have faded away
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Travel Rewards Credit Cards with the Best Travel Perks

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. When it comes to choosing a travel
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Get Up to a 50% Relationship Bonus with the Wells Fargo Propel 365 American Express

While this information was accurate at the time this post was published, these cards’ offers and perks are expired. Visit our reviews of the best credit cards to find the right card for your needs. If you’re already a Wells Fargo customer or are planning to become
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Earn 10X Points on Dining with The Blue for Business Credit Card from American Express

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Business owners looking for a credit card
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Webcams as Weapons: Hackers Exploit the Internet of Things to Launch a Massive DDoS Attack

Whether you were impacted by it or not, you’re probably aware that a major attack occurred on Oct. 21 which interrupted traffic for many popular websites, including Twitter, Netflix, CNN, Reddit and Pinterest. The efforts to bring down these sites were not aimed directly at any of
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3 Spooky Scams to Beware of This October

The month of October is all about tricks and treats, ghouls and goblins and the imaginary things that go bump in the night. Unfortunately, not all scary things are pretend — lurking in the shadows both online and offline are scammers, identity thieves and other criminals, and
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Earn Up to a $500 Bonus with the SimplyCash Plus Business Credit Card from American Express

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Already a stellar choice for any company
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Two-Factor Authentication Through SMS Text Message: Not as Secure as You Think

Keeping our digital accounts secure is a tricky process, especially given how quickly information travels online — as soon as new security methods are developed, cybercriminals work to figure out how to get around them. Besides the fact that people aren’t so great at choosing strong, unique
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Pay No Interest on Holiday Purchases with These Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Let’s face it, no matter how much we all
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Voting Scams to Watch for This Election Season

No matter whether you’re a news junkie or prefer to live in ignorant bliss when it comes to the news, there’s not a single person in the U.S. who isn’t aware that this is an election year. The natural uptick in phone calls and emails and door-to-door
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Best Identity Theft Protection Services for Families

Updated: Dec. 30, 2016 Identity theft: it’s not something most of us want to think about, but all too often, we have to. These days, everyone is at risk due to the frequency and nature of data breaches. Although many breaches are limited to exposing adults’ information
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NextAdvisor Infographic Details Millennials’ Understanding of Their Financial Health

Understanding credit scores, checking credit reports, creating budgets — these are all important financial skills for a person at any age to have. It’s very important for those just getting started as adults to develop healthy habits when it comes to money, but often younger adults aren’t
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What to Do if Your Balance Transfer Credit Card Limit Isn’t High Enough

Updated: Sept. 27, 2018 Whether you’re juggling balances on multiple credit cards that are all earning interest or carrying a balance on one high-interest credit card, a balance transfer is sometimes a necessary tool. While detailing the balance you’d like to transfer on the new card’s application will
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What Kind of Balances Can I Transfer to My Credit Card?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. The benefits of performing a balance transfer
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Yahoo Breach: More Than 500 Million Account Details Stolen

Any uncertainty as to whether or not Yahoo experienced a data breach has been put to rest, as the company released a statement today confirming what many already suspected. Earlier this year in August, the rumors began circulating that there had been a massive Yahoo breach when
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For-Profit Colleges: Are You Being Ripped Off?

For-profit college ITT Technical Institute (ITT Tech) has been making headlines over the past month after it shut down and subsequently filed for bankruptcy. This shutdown came after the U.S. Department of Education ruled that ITT Tech could no longer admit students who depended on federal financial
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How Can I Know if a Credit Card Has Been Opened in My Name?

Wells Fargo has been in the news recently after it was announced that more than 5,300 employees at branches across the country have been fired due to their involvement in scamming customers to meet their sales quotas. Among the violations Wells Fargo employees committed was the fraudulent
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Barclaycard vs. Capital One: Which Travel Rewards Credit Card is Best?

Updated: Oct. 17, 2017 Do you travel a lot or wish you could travel more? A travel rewards credit card is a fantastic option to earn points that you can redeem for flights, car rentals, hotel stays and more by using the card for purchases that you
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Identity Guard Extends 30-Day Free Trial to Its Couple and Family Plans

Everyone likes an opportunity to try a product or service before making a financial commitment, and this is especially true when it comes to something that might offer features you have no experience using. Identity Guard expanded its top-notch identity theft protection and credit monitoring service earlier
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Surprise! Millennials are the Most Likely Scam Victims

When you hear the phrase “scam victim,” you likely picture an elderly person sending their money to a Nigerian prince or giving out their credit card details to someone over the phone, right? In general, the view of scams and those who get scammed is that they
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Teach Your Teen Responsible Spending Habits with a Prepaid Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Your child’s teenage years are some of
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What Happens to Debt When You Die?

Though it isn’t a topic many people like to talk about, we’re all going to die someday, and making preparations for the inevitable can save the people you love a lot of unnecessary grief. Of course, it isn’t always possible to plan for death, but any person
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Eddie Bauer Reports Payment Card Breach: Should You Worry?

Customers who visited an Eddie Bauer location in the U.S. or Canada between Jan. 2 and July 17, 2016 should be on alert, as the company admitted in an Aug. 18 press release to an intrusion of its point-of-sale systems at all locations in North America. Upon
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Cyber Fatigue: The Risks of Weariness to Data Breaches

Cybersecurity should be a top concern of all businesses and organizations worldwide, but unfortunately, that isn’t always the case. We’ve seen evidence recently that nobody is untouchable, from political parties like the Democratic National Committee to major corporations like Sony and Target to the government itself. Newly
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Does My Credit Card Earn Rewards at My Favorite Store?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. One of the most commonly-asked questions when
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MICROS Point-of-Sale Systems Hit by Data Breach: 330K Merchants Vulnerable

Something many data breaches that happen at retailers, restaurants and hotels have in common is that hackers accessed their systems and scored customer credit card data by exploiting a third-party connection. For example, the famous Target megabreach was perpetrated through stealing the company’s heating and air conditioning
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How Getting a Rewards Credit Card Now Can Help You Save in the Holiday Season

Updated: Dec. 6, 2017 Much as you probably don’t want to think about it right now while summer is coming to a close and stores are full of back to school products and promotions, the holidays are on the horizon. The ways people tackle holiday shopping vary, from
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How Long Does It Take for My Credit Reports to Reflect Positive Changes?

If you are keeping an eye on your credit reports and scores and trying to make positive changes, you might be wondering how long it will take for actions such as paying a loan in full or reducing your credit utilization ratio by opening a new credit
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Why Your Credit Card APR Matters

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. There are a lot of perks and
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Pokémon Go Scam: Learn About the Phishing Emails Targeting Players

Phishing scams are nothing new, but those who use this type of scam to try and lure unsuspecting new victims are constantly revamping it to fit with current events and trends. The most recent trend that scammers have hopped onto is Pokémon Go. Of course, there is
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Are College Students Afraid of Credit Cards?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. College students aren’t a demographic typically known
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Russian Hackers Infiltrate DNC Computer Systems: How Does This Relate to You?

It would seem after data breaches and hacks within powerful companies like Sony and Target as well as hospitals and the U.S. government, nobody would be so foolish as to think themselves immune. However, the Democratic National Committee (DNC) seems to be learning a hard lesson on
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Breaches at Wendy’s and Cicis Pizza Restaurants: Are You Impacted?

Another day, another credit card breach — or so it might seem. After several years of nonstop breaches in the news, it has become far more interesting for most consumers to observe the response time and method of dealing with a breach. While the world has moved
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Everything You Need to Know About Balance Transfers

Updated: Sept. 27, 2018 What do you do when you’ve gotten in over your head on your credit card payments and want to get a fresh start? In some cases, you might consider a personal loan, but for the most part performing a balance transfer to a
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Earn Money Toward a New GM Car with the BuyPower Card from Capital One

Planning to buy a new car? The BuyPower Card from Capital One offers hefty rewards that can be redeemed toward a new GM vehicle, plus additional benefits. Find out more.
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New Bill Proposes Changes to Credit Reporting and Scoring: Would It Impact You?

Your credit report is much like the permanent record that you were afraid would follow you around for years when you were in school and ruin your life — except, it is real and the information on it can impact your ability to open new credit accounts,
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Check Changing Your Passwords Off Your Summer To-Do List

Just a friendly reminder: it’s time to change your passwords, if you haven’t done so recently. In case you haven’t heard, online services and sites of all kinds, from Facebook and Netflix to GoToMyPC and Carbonite are forcing password resets for some users due to a rash
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Attention Costco Shoppers: Earn Generous Cash Back with the New Costco Anywhere Visa Credit Cards

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you shop at Costco and are
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IRS Brings Back Its ‘Get Transcript’ Feature: Is It Any Safer?

The IRS has been no stranger to attacks by cybercriminals over the past few years, as we saw when Russian thieves stole $50 million in tax return money in 2015 as a result of a major flaw in the security of the online “Get Transcript” tool. When
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What is a Password Manager and is It Safe to Use?

Password security is a highly debated and frequently discussed topic, especially considering how quickly cybercriminals are adapting to each and every new effort made by companies and apps to enhance the security of their passwords. While some companies like Google and Yahoo are testing out password-free logins,
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Bank of America Increases Earnings of Cash Rewards Credit Cards

Updated: March 2, 2018 Looking to make the most out of your credit card rewards this summer — and beyond? Bank of America has updated three of its cash rewards credit cards to allow cardholders to earn cash back on the first $2,500 in combined grocery, wholesale
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Best Credit Cards for Victims of Identity Theft

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Identity theft is one of those crimes
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Millennials and Credit Cards: NextAdvisor.com Survey Reveals What They Understand

The financial needs and habits of a person in their twenties who is either finishing up college or a full-time member of the workforce are vastly different from those of someone older with a family and mortgage. This is especially true when it comes to credit cards,
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Data Breach Roundup: Wendy’s and LinkedIn Breach Updates and More

As the midpoint of 2016 draws closer, data breaches are still a central focus of American attention as companies like LinkedIn, Wendy’s and others disclose intrusions and deal with the resulting fallout. While across the pond, the European Union is implementing the General Data Protection Regulation, the
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The Do’s and Don’ts of Getting a New Credit Card

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Getting a new credit card is a big deal
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Pyramid Schemes and Social Media: How to Avoid These Scams

For the most part when you hear about scams, they involve one stranger trying to take advantage of another stranger — such as fake moving companies that try to take advantage of people in the frenzy of a big move or email scammers hoping to trick people
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Recent W-2 Thefts and What They Mean for You

One of the unfortunate side effects of most services and companies moving their business data entirely online is the opportunity for hackers and identity thieves to access huge databases of sensitive information all in one fell swoop. Numerous employers — and their employees — across the country
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Russian Hacker Steals 273 Million Passwords: Was Yours Exposed?

Have you changed your email account password recently? No matter whether your last password change-up happened yesterday or six months ago, it’s time to change them all as soon as possible. Just in time for World Password Day, a trove of 273 million passwords and usernames for
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Can You Remove Search Engine Results?

Search engines on the Internet have grown from relatively small databases of websites people might find useful to enormous caches of millions of web pages, both old and new. “Google” is now used colloquially as a verb, and often the first move made by an employer or
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Can You Trust Airplane Wi-Fi?

Flying isn’t what it used to be in many ways, especially when it comes to technology. Not only can passengers today use their electronic devices throughout the entire flight, but many airplanes now come with Wi-Fi networks so travelers can stay connected from 30,000+ feet above the
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Credit Reports 101: How to Check Your Credit Reports

One of the most important parts of understanding and maintaining your financial health is awareness of what your credit reports say. Surprisingly, a large amount of Americans have never checked their credit reports or only check them infrequently. A Google Consumer study conducted in 2013 by TransUnion
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What Gets Reported to Your Credit Reports (and What Doesn’t)?

So, you might understand what your credit reports are and how they can affect a great many aspects of your financial life, but do you know exactly what gets reported to them in the first place? Although it’s obviously a good idea to pay all of your
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Why are Hospitals Easy Targets for Ransomware?

Ransomware, a vicious form of malware which locks up files, programs or even entire computer systems and prevents users from accessing them until a ransom is paid, has been a growing problem for all manner of consumers and businesses in recent years. One type of business that
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Ransomware Threat Pushes Emergency Adobe Flash Update

If you are using a Windows-operated PC, chances are you have Adobe Flash installed on your computer. This often-maligned software platform has been in the news countless times over the years due to its many security flaws, but unfortunately, it still continues to be necessary in order
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How Can I Dispute an Incorrect Item on My Credit Reports?

Your credit reports are essentially the lifeblood of your financial health, and if one or more negative items winds up on them, the consequences include lower credit scores, diminished opportunities when it comes to opening credit cards or taking out loans and even possibly getting passed over
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Trump Hotels Breached Again: Who Does It Affect?

Some companies that experience data breaches make major changes to their security measures and don’t suffer the same problem again. Others don’t upgrade quickly — or effectively — enough and are hit again by hackers that know they’re already weak and susceptible to intrusions. Trump Hotel Collection
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Too Good to Be True: Scholarship Scams and How to Avoid Them

The end of the school year is approaching for high school students across the country, and most are turning their focus on the next step, which for many is higher education. Along with applying for acceptance to the school of their dreams comes the need to find
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Data Breach Roundup: These New Security Issues are No Joke

Friday may have been April Fool’s Day, but there’s no laughing when it comes to what goes on in the ever-changing world of cybersecurity. While much of the country has been focused over the past couple of months on the tax industry’s ongoing woes with identity theft and
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Verizon Enterprise Data Breach Exposes 1.5 Million Customers: Who is at Risk?

Verizon Enterprise Solutions, which is the business branch of the wireless telecommunications giant, has been called upon more than once in recent years to help fortune 500 companies respond to data breaches, but now it’s facing a breach of its own. According to cybersecurity analyst Brian Krebs,
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IRS Warns of 400% Increase in Email Scams This Tax Season

It’s no secret that 2016 has so far been a landmark year for tax identity theft, and according to the IRS, an increase in email scams has been significant. In a statement released on Feb. 18, the bureau said it has seen an overall increase in phishing
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Are Payday Loans Legitimate? Lawmakers and Consumers Have Different Opinions

Payday loans are hotly contested across the country, and have been for many years. Many states have created their own legislation to try and control predatory payday lenders within their borders, but the advent of online payday loans has made it apparent that regulations at a federal
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Barclaycard Launches New JetBlue Card

If you’re a frequent flyer with JetBlue and Hawaiian Airlines, then you’re going to want to get the new JetBlue Card from Barclaycard into your wallet. In addition to 2 points per $1 spent at grocery stores and restaurants and 1 point per $1 on all other
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Will a Personal Loan Fund Your Home Repair Project?

The first day of spring is March 20, which means the days are growing longer and summer isn’t too far behind. While many across the country are still battling ice and snow, soon the weather will warm up and thoughts will turn toward outdoor activities. Some people
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Study Shows Craigslist is Rife with Rental Scams: 4 Clues to Avoid Them

Just about everywhere you look these days, someone has figured out a way to scam other people out of their money and time. We’ve already written about the risks of getting scammed when it comes to hiring a moving company, but what about finding an apartment itself?
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Identity Guard vs. TrustedID: Which Service Offers the Best Family Plan?

Editor’s note: As of June 28, 2016, TrustedID is no longer available. More parents than ever are concerned about protecting not only their own identity, but the identities of their children and other family members. Between major data breaches at healthcare companies and government agencies over the
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What is Ransomware and How Can I Avoid It?

Imagine you’re using your computer on a typical Saturday night, perhaps catching up on email or looking for the perfect movie to download and watch. You click on a seemingly innocent link and the file downloads and installs onto your computer. Suddenly, your entire screen goes black
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Credit Reports 101: The Basics Everyone Needs to Know

Credit reports can be a difficult concept to wrap your head around, whether you’re a fresh-faced college grad or approaching retirement, but they contain information that is vital to all areas of your life. The better you can grasp the basics of your credit reports, the easier
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Identity Guard Introduces Couples and Family Plans

Updated: Sept. 20, 2017 Although Identity Guard has been our No. 1 ranked identity theft protection service for years, its one downside in many of our reviews has always been the lack of a comprehensive family plan. Although individual adult members could add children under 18 to
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How are the IRS, States and Tax Industry Protecting Taxpayers from Identity Theft?

Updated: March 7, 2016 Over the past two years, taxpayers across the country have been under assault from identity thieves aiming to infiltrate both state and federal systems and steal their refunds. Last year, TurboTax made headlines for all the wrong reasons when it temporarily halted state
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IRS Breach Numbers Nearly Triple the Original Estimate

It’s getting harder and harder to trust the federal government when it comes to protecting data, as shown by recent massive data breaches within both the Office of Personnel Management (OPM) and the IRS. Unfortunately, the IRS breach that was announced nearly a year ago seems to
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Dirty Dozen 2016: IRS Cites Identity Theft as No. 1 Scam

At the beginning of every year now for more than a decade, the IRS has rounded up the top 12 most commonly reported scams it has come across over the last year to create a list it calls the “dirty dozen.” This list helps warn consumers of
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Can I Trust the BBB?

It’s common to see stickers and placards in business windows and buttons displayed proudly on website home pages proclaiming a company’s rating with the Better Business Bureau (BBB). While many people utilize this organization to research companies or services they’d like to use, or lodge a complaint
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IRS Systems Hacked by Cybercriminals Again: Is Your Information Safe?

If the headline of this article is giving you déjà vu, it’s probably because it hasn’t even been a whole year since the last IRS data breach was reported. Now, less than a month since the 2016 tax season officially began, the bureau says it has caught
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Safer Internet Day 2016: Are You Playing it Safe Online?

Editor’s Note: As of Feb. 12, 2016, Google’s 2 GB of free storage offer is no longer valid.  We all want to have safer homes, schools and workplaces, and part of feeling secure in today’s world includes the ability to feel safe online. To promote safety in cyberspace
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TaxSlayer, TaxAct Report Tax-Refund Fraud: What Does This Mean for You?

We’ve already warned you about the real dangers of tax-refund fraud, which is one of the leading causes behind a 47% spike in identity theft complaints to the FTC in the past year, and it seems like thieves are wasting no time hitting tax services this year
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Data Breach Roundup: Wendy’s, Landry’s and More Kids’ Tech Toy Woes

Identity theft never takes a vacation, as evidenced by the numerous data breaches that have been uncovered in the first month or so of 2016. It’s important for consumers to be wary at all times and keep an eye on the news to be sure they haven’t
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Tax Fraud is Behind Recent 47% Spike in Identity Theft: What Can You Do?

Identity theft is on the rise, and it doesn’t seem to be going away anytime soon. According to the Federal Trade Commission, it saw an unbelievable 47% spike in identity theft complaints between 2014 and 2015. While a number of different types of crime contributed to this
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What is the Internet of Things?

Chances are, you’ve been hearing an awful lot about the Internet of things over the past few years. As ubiquitous as the term is, many people might not know exactly what this term means (or what it means for them). To help you understand what it means
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6 Identity Theft Lessons 2015 Taught Us

The past year was a big one in the world of identity theft and information security. Millions of Americans saw their information exposed in more than one breach, and most people probably have at least one or two notification letters from various companies to prove it. Between
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How a Loan Can Get Your Year Off to a Great Start

2016 is officially here, and many people are turning their sights on all kinds of plans and goals for the year ahead. Whether you’d like to get your small business off the ground or take the plunge and complete your dream kitchen remodel, you might find that
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Don’t Let Identity Thieves Steal Your Tax Return

Updated: Jan. 25, 2016 It’s that most-dreaded time of year again for Americans everywhere: tax season. Last year saw record-breaking instances of tax fraud, with security issues at both the state and federal levels raising eyebrows. Although many efforts have been made by governments and tax preparation
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Should I Put a Credit Freeze on My Credit Reports?

This is a question that many people find themselves asking, especially with so many security breaches exposing millions upon millions of Americans’ vital information over the past year or so. The simple answer? Yes, as a recent report published by the consumer advocacy group U.S. Public Interest
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Watch Out for Zombie Debt Collection Scams

Anyone who’s ever had a bill or credit card go into default knows how annoying debt collectors can be. The unfortunate reality of today’s financial landscape makes it so any debt you have can be passed on to collection agencies, which often sell debts to other collection
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191 Million Registered Voters Exposed: What You Should Know

A researcher named Chris Vickery made an unsettling discovery recently when he uncovered a database of what appears to be U.S. voter registration information, completely unprotected and available for anyone online to find. After alerting security watchdog site DataBreaches.net, Vickery teamed up with site administrators and a
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It’s Engagement Season: Wedding Scams Couples Should Look Out For

Although the most popular time of the year to get married is during the warmer months, particularly June, a significant amount of engagements happen during the winter holiday season. According to a 2013 survey by event planning service Chilisauce, the most popular day of the year for
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5 Credit Cards to Help You Pay Off Your Holiday Balances

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. It’s easy to go overboard during the
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Buyers Beware: Recent Breaches Consumers Should Know About

By this point, holiday shoppers are well aware of the dangers that lurk online as well as in the various stores and restaurants they visit this time of year when it comes to fraud. In case you’ve forgotten, perhaps news of two data breaches that was broken
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Should You Let Your Child Post Selfies?

As of last year, the word “selfie” is officially a part of the Merriam-Webster dictionary, and it seems like people from all walks of life are taking and posting pictures of themselves online for the world to see. Whether you think selfies are ridiculous or not, this
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Is Your Grandchild Really in Trouble? Beware of the Grandparent Scam

Most grandparents are delighted to receive a phone call from one of their grandchildren, something scammers across the country are taking advantage of with phony extortion calls. According to a 2012 FBI news story, these scams usually involve someone calling and either posing as a person’s grandchild
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VTech Breach Exposes Data of 6.3 Million Children and 4.8 Million Parents: Should You Worry?

If you’re the parent or relative of a young child, chances are you might find a smartwatch or tablet designed specifically for kids on their holiday wish list this year. Tech toys are a hot commodity popular with parents and children alike, but the unveiling of a
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Which Credit Cards Offer the Highest Rewards Rates?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Not all rewards credit cards are alike, and it
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Is Your Local Charity Thrift Store a Scam?

Throughout the year, but especially in the months of November and December, people across the U.S. make charitable contributions to those in need. Some people donate money and time, while others donate food and clothing. Although you might not want to believe that people take advantage of
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How Can I Get More from My Rewards Credit Card?

Editor’s Note: Although all the information in this post was valid at the time of publishing, some of the card offers listed below may no longer be available. Visit our credit card reviews to see the current card offerings.  If you’ve ever had a rewards credit card,
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What to Do if Your Phone Goes Missing

In many ways, a person’s cell phone can be just as or more valuable than their wallet these days — which, in turn, makes it more vulnerable. The introduction of mobile payment apps that let you shop and bank without needing to pull out a physical card
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It’s the End of the World and You’re Getting Scammed

Most people can remember at least one major apocalypse scare that happened during their lifetime, from the predicted chaos of Y2K to the more recent 2012 doomsday that sparked a Hollywood blockbuster and tons of Internet conspiracy theories. People love to talk about the end of the
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Why You Should Google Yourself

The Internet is no longer a place where people can expect anonymity. Career-oriented sites like LinkedIn urge job seekers to market themselves online to improve their chances of getting hired, and social media puts pressure on everyone from grade school kids to grandparents to share everything from
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JPMorgan Chase Revealed to Be Victim of Biggest Bank Breach in U.S. History: What You Should Know

Recent charges have been filed by the U.S. Attorneys of Atlanta and the Southern District of New York against several people in connection to the hacking of 12 U.S. financial institutions, including JPMorgan Chase, E-Trade Financial and Scottrade. Although initially the reported number of customer accounts exposed in
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The Future of Payday Loans in America

Updated: March 21, 2016 Most people are aware that payday loans aren’t the most financially sound solution for taking care of everyday money problems, but that doesn’t stop millions of Americans from using these services on a daily basis. The numbers are almost unbelievable, as Alabama recently
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Cybersecurity Information Sharing Act (CISA) Passed by Senate: What This Means for You

What many Americans might consider to be universally good news (the passing of a bill aimed at fighting cybersecurity threats) has come under heavy fire due to privacy concerns. Dubbed the Cybersecurity Information Sharing Act (CISA), the U.S. House of Representatives passed the bill in April of
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Small Business Loan Lingo: 3 Terms You Should Know

The process of taking out a loan can be a daunting one, especially for small business owners who might not have much experience when it comes to this type of financial transaction. Just as you wouldn’t try and open up a new credit card without getting an
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Your Love Life and Your Credit Scores: They’re More Related Than You Think

Updated: Jan. 12, 2016 When it comes to love, many people are looking for someone to commit to and settle down with. Many different aspects of a person’s life and personality, from height to their favorite ice cream, are touted as indicators of whether they’ll be a
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Don’t Share That! Tips to Avoid Exposing Your Identity Online

We live in a culture that shares everything, even the things that shouldn’t be shared. While it’s certainly important to think twice before sharing potentially embarrassing moments or inflammatory thoughts on social media, it’s imperative that you steer clear of sharing anything that could expose your identity.
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Hilton and Trump Hotel Breaches: What You Need to Know

Updated: Nov. 25, 2015 If you thought credit card breaches were limited to restaurants and retail stores, you were unfortunately mistaken. Cybersecurity blogger Brian Krebs has written about numerous hotel chain credit card breaches over the past year, including Mandarin Oriental and White Lodging, and he has
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4.6 Million Customers Affected in Scottrade Breach: Are You One of Them?

October is National Cyber Security Awareness Month, and it’s off to a pretty dismal start. Following the Experian breach announcement yesterday that affected 15 million T-Mobile customers, today retail brokerage Scottrade announced it had discovered a breach in one of its systems. In a press release posted
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Should You Entrust Your Security to Biometrics?

All too often, science fiction or action movies feature a scene where a character runs into trouble trying to break into a room because the doors won’t unlock without a specific person’s fingerprint or eye scan. While these types of security systems might still be rooted in
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How Much Can You Save with a Balance Transfer?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Although it’s ideal to pay off the
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Never-ending Breach: OPM Says 5.6 Million Fingerprints Were Actually Stolen in Hack

The Office of Personnel Management hack is seeming a little bit like the Energizer Bunny these days — it keeps going and going. Unfortunately for the victims of this massive data breach, there’s nothing positive about the details that have been released little by little over the
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Small Business Credit Card vs. Small Business Loan: Which Option is Best?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best business credit cards to find the right card for your needs. When you’re a small business owner,
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Sex Offenders and Your Identity: What You Need to Know

If you’ve read our reviews for identity theft protection software, you might have noticed that many services offer a sex offender registry search feature. However, you might be confused as to what sex offenders have to do with identity theft. The National Sex Offender registry maintained by
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Excellus BlueCross BlueShield Hack Exposes 10 Million Personal Records

If your health insurance provider is Excellus, we’ve got some bad news for you. According to NBC News, health insurance company Excellus BlueCross BlueShield released a statement on Sept. 9 saying it has suffered a data breach which exposed the records of 10 million customers. Although the
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Which Direct Loan Service is Right for My Small Business?

Small business owners often run into a need for extra cash and find that the lengthy process of taking out a loan from a traditional bank doesn’t fit into their time frame. The alternative lending market that has sprung up online in recent years seeks to provide
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$1.2 Billion Lost to Business Email Compromise Scams This Year: How Can Your Business Stay Safe?

Businesses small and large are targeted constantly by scammers and hackers, but small businesses are the most vulnerable due to limited resources to devote to IT and other preventative measures. One of the biggest scams targeting businesses in recent years is known as Business Email Compromise (BEC)
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Which Credit Cards Offer Free Credit Scores?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Choosing a new credit card can be
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Ashley Madison Hack: How It Might Impact You

By now, you’ve probably heard about the hacking and subsequent release of user information from infamous dating website Ashley Madison (which uses the motto “Life is short, have an affair”). If you aren’t in the loop, a group of unknown hackers broke into the website’s database and
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Which Identity Theft Protection Service is Best for Children?

You might not think you need to worry about your child’s identity, but that’s unfortunately not true. Identity theft is on the rise, especially as more and more Americans under the age of 18 are being exposed in data breaches like the one at health insurance company
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IRS Cyberattack is Worse Than Originally Thought: More Than 600,000 Taxpayers Affected

Just a few months ago in May, the IRS announced it had been breached by hackers who used data obtained elsewhere to access prior-year tax return information for more than 100,000 Americans. After conducting a more thorough investigation, the agency announced Aug. 18 that its original estimates
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4 Back-to-School Identity Theft Tips to Keep Kids Safe

Summer is drawing to a close, which means children across the country will be lacing up new sneakers and sitting down in new desks for the start of another school year. Parents have enough to worry about when sending their young ones out into the world without
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Stagefright Bug: What Android Users Need to Know

Updated: August 10, 2015 Anyone using a smartphone with Android version 2.2 or later should be aware of a major security flaw that was discovered which could enable a hacker to take control of your phone just by sending you a text message. According to Fortune, they’re
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Attention OPM Breach Victims: The FTC is Not Calling You

As if the over 21 million federal employees whose information was breached when the Office of Personnel Management’s computer system suffered a major hack earlier this year didn’t have enough to worry about, the FTC is warning about a phony phone call targeting them. According to a
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FTC is Taking Action Against LifeLock for Misleading Consumers and More

The Federal Trade Commission announced on July 21 that it is taking action against LifeLock due to the identity theft protection company’s violation of a 2010 settlement with the FTC as well as 23 state attorneys general. Despite agreeing to the terms of the settlement five years
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Planning to Move This Summer? Beware of Moving Scams

Whether you’re just wanting to move a couple of boxes or need to transport the contents of an entire house from one side of the country to the other, moving is certainly stressful. Sometimes you can get away with doing it all on your own, but often
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OPM Providing CSID Protector Plus to Breach Victims: How Does It Measure Up?

The hallmark of a large-scale data breach is the offering of free credit monitoring and identity theft protection from the breached company to its exposed customers. While retailers like Home Depot and Target have gone with services such as AllClear ID and ProtectMyID, the Office of Personnel
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Should My College Student Get a Credit Card?

It might feel like summer has only just begun, but before you know it schools all across the country will be back in session. Many colleges start in August, especially for freshmen who will attend orientation, so it’s a good idea for students and parents preparing for
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Possible Credit Card Breach Hits CVS Photo, Costco and More

If you take advantage of your local CVS, Costco, Rite Aid or other similar stores to have your photos printed online, you might want to double-check your credit card statements. Following the shutdown of Walmart Canada’s Photocentre website on July 14 after it became aware of a
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Is Facial Recognition Technology the Future?

Updated: July 21, 2015 A decade ago, social media was just beginning to bloom and people were only sharing their photos and thoughts with handfuls of trusted family and friends. Ten years later, social media dominates our lives and sharing every moment through photos snapped instantly from
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OPM Breach Update: 21 Million Social Security Numbers Stolen

Updated: July 10, 2015 The stakes keep getting bigger for federal government employees whose information was compromised in the recently discovered Office of Personnel Management hack — and now employees’ family members could be at risk as well. New information indicates that, rather than the initial report
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4 Tips to Protect Seniors Against Fraud and Identity Theft

Although most anyone can be a target of fraud and identity theft, senior identity theft is on the rise and those ages 50+ are often in the cross-hairs of scammers. The U.S. government is taking steps to help circumvent the high level of fraud aimed at seniors,
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FTC Returns $4 Million to Consumers in Debt Collection Settlement

In a win for consumers across the country, the Fair Trade Commission (FTC) has begun mailing 95,000 checks totaling approximately $4 million to consumers who lost money to extortion, following a settlement with the collection agency responsible. The FTC settled charges in 2014 against Asset Capital and
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Customer Service Survey Scams: Don’t Fall for Them!

Scammers are creative when it comes to devising schemes to try and steal your identity and money, and the BBB and the AARP have been warning consumers about such a scam lately regarding fake customer service surveys. These days, lots of businesses try to entice customers by
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Will We Be Using Emojis in Passwords Soon?

What if you could use a broken heart, a smiley face, a soccer ball and an ocean wave as a PIN for your online bank account instead of four digits? UK company Intelligent Environments has developed new technology to allow people to use emojis instead of numbers
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How Can I Build Credit if I Don’t Have Any?

Updated: May 30, 2018 While it’s assumed most people without credit are young adults, the truth of the matter is many Americans don’t have an established credit history. According to a recent Wall Street Journal article, a whopping 53 million Americans don’t have credit scores. What can
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LastPass Breach: Are Password Managers Really Secure?

Password managers are growing more and more popular as people struggle to juggle the large amount of username/password combinations required for life in a digital world. Many of these programs are cloud-based, meaning your information is stored on the cloud in an encrypted “vault” and secured with
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Federal Breach Employees Offered Credit and Identity Monitoring from CSID

Updated: July 9, 2015 The Office of Personnel Management, which suffered a recent security breach which exposed the personal information of four million federal government employees, is offering complimentary credit monitoring and identity theft protection to all affected employees. The OPM has chosen to use CSID, a
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3 Summer Scams to Avoid

Scams happen year round, but there are certain ones you see more frequently at different points in the year. Summer is the time of the year where everyone wants to pack in as many fun outdoor activities as possible while the weather is nice and the days
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Federal Government Breach is Far Worse Than Originally Thought

The recent breach of the U.S. Office of Personnel Management which exposed the information of 4 million employees is potentially a lot worse than the government has made it out to be. According to a letter obtained by the Associated Press from J. David Cox, president of
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How Can I Keep My Identity Safe While I Travel?

Going on vacation is an exciting time, but it can also leave you vulnerable to identity thieves in many ways that you might not realize. Whether you’re getting out of town for a weekend, taking a cross-country road trip or spending a month abroad, it’s essential to
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Government Data Breach Exposes 4 Million Federal Employees’ Information

One of the largest thefts of government data ever seen was announced today by the Department of Homeland Security, which is working with the FBI to investigate the attack. The government data breach, which involved the infiltration of the systems of both the Office of Personnel Management
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Is Your Old Cell Phone Putting Your Privacy at Risk?

It seems like every few months a new batch of smartphones is released — each offering better features than the ones that came before. Cell phone companies push customers to upgrade their phones regularly, which means that most of us have gotten rid of at least a
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Should You Use Webcam-Based Doctor Services?

It’s a situation many Americans face at least once every year — you have a busy day ahead of you but woke up feeling sick. You know you should probably visit a doctor, but that means taking time off of work or otherwise disrupting your schedule. The
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Target Breach Settlement: Deadline to File a Claim is Approaching

A settlement has been reached for consumers affected by the 2013 Target data breach which promises a $10 million payout. The breach, which compromised the credit and debit cards as well as personal contact information for more than 100 million customers, marked the beginning of a string
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$50 Million Stolen in IRS Attack: Russian Hackers Suspected Identity Thieves

So far, 2015 has not been the year for the IRS and other tax-related services. First, Turbo Tax was rumored to have been breached and temporarily halted state e-filing in the wake of multiple fraud attempts. Then, word got out that state tax fraud had spiked an
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5 Ways to Teach Your Teen About Money

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Learning how to manage money is one
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IRS: Thieves Obtained 100,000 Tax Returns with Stolen Information

The IRS recently announced that thieves used stolen social security numbers and other information in its systems to access prior-year tax return information for approximately 100,000 U.S. households. According to the Associated Press, this information was then used to file fraudulent tax returns in order to attempt
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What to Do if You Lose Your Wallet

Many people count their wallet among their most prized possessions, and it’s no wonder — we store everything from our photo IDs and credit cards to loyalty cards and money in there. Nothing is quite as awful as realizing you’ve lost your wallet, especially if you’re not
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CareFirst Breach Exposes 1.1 Million Members: Are You at Risk?

CareFirst BlueCross BlueShield announced today that it was the target of a sophisticated cyberattack that exposed the information of 1.1 million current and former members. The attack was uncovered during a thorough examination of CareFirst’s IT department by security firm Mandiant. CareFirst hired Mandiant to conduct this
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Why Your Netflix Account Needs a Stronger Password

It’s drilled into our heads time and time again to create strong, unique passwords for our online banking accounts, email accounts and any other account that involves financial and personal information. But how strong is your Netflix or Xbox Live password? It can be tempting to use
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Student Loan Forgiveness Letters: Are They a Scam?

Student loan debt is a hot topic in the U.S., and it doesn’t take much to understand why. Approximately 40 million Americans now owe over $1.2 trillion in student loan debt, a number that far outstrips credit card debt. If the high amount owed wasn’t alarming enough,
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Prepaid and Secured Cards: What’s the Difference?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. If you have poor or limited credit,
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Celebrate World Password Day By Changing Yours

Today is World Password Day, according to Intel Security, and that makes it a great day to change your passwords. Intel, which owns security software company McAfee, has partnered with other security companies as well as Microsoft to create a webpage with tips about password safety, an
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Donating to Nepal? Watch Out for Charity Scams

In the wake of disasters like the devastating 7.8-magnitude earthquake that hit Nepal in April, people generally want to do what they can to help. When you’re an ocean away from the people in trouble, your best option is usually to make a donation to a charity
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What Information is Stored After I Cancel My Identity Theft Protection Plan?

Taking advantage of the peace of mind offered by an identity theft protection plan is great for individuals and families everywhere, especially with the recent increase in data breaches over the past couple of years. However, not all services are going to be compatible with your needs,
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Sally Beauty Supply Announces Second Credit Card Breach

Although it would be nice to hope that once a company has suffered a security breach it won’t happen again, that’s sadly not a reality. Sally Beauty Holdings Inc. is learning this lesson right now, as for the second time in the past year it has reported
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Your Email Isn’t Unhackable: How to Keep Your Inbox From Compromising Your Identity

Unfortunately, nobody’s email is 100% hack-proof. Even the president of the United States isn’t immune, as President Obama discovered when Russian hackers infiltrated the White House’s unclassified computer system last year. Although no classified networks or information was compromised, the hackers were able to access and read
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Cyberthreat-Sharing Bill Passed By House: What Does It Mean for You?

A bill was passed in the U.S. House of Representatives on Wednesday which aims to enhance cybersecurity by encouraging companies to share details of computer breaches with the federal government. This bill, which is now moving on to the Senate, is part of an effort by the
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Spring Cleaning Tips to Help Protect Your Identity

Spring is finally upon us, which means it’s time for spring cleaning. While this phrase might make you think of clearing out the gutters or finally tackling all those boxes stacked up in the garage, you can also use spring cleaning to get other areas of your
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How to Choose the Right Credit Repair Service for You

Credit is important — there’s no denying that. Your credit reports and scores can affect everything from whether or not you can take out a loan to getting approved for that apartment you want. As a result, poor credit can cause major problems for people and their
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Which Identity Theft Service is Best to Protect My Family?

When you have a family to protect, you want to know that you are doing the best you can to keep them safe at all times. In recent years, identity theft has become a growing problem not just for adults but also for children under the age
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AT&T Breach Exposes Thousands: What You Need to Know

Data breaches perpetrated by criminals from the outside are bad news, but AT&T is dealing with something equally insidious — an inside job. According to the Federal Communications Commission, employees at call centers operated by AT&T accessed the accounts of more than 280,000 customers and sold their
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What Happens When My Free Identity Theft Coverage Ends?

Major data breaches have become so commonplace that the average American citizen has probably collected at least one year or more of free identity theft protection coverage. Complimentary credit and identity monitoring service has become a standard consolation prize offered by companies to customers whose data has
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Don’t Get Fooled! 3 Email Scams to Avoid

April Fool’s is upon us, and while playing pranks on friends and strangers is a great way to celebrate spring, there’s nothing funny about falling victim to a scam. We use our email accounts for just about everything, which unfortunately makes them easy targets for all sorts
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11 Million Exposed in Premera Blue Cross Breach: What It Means for You

As 2015 continues, it seems a new trend has arisen in the dangerous world of identity theft: attacks on health insurance companies. Premera Blue Cross announced Tuesday, March 17 that its networks had been breached, potentially exposing financial and medical records of millions of customers. This intrusion
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Connecting Online: Are Social Logins Safe?

If you use the Internet these days (and if you’re reading this, that’s a no-brainer), you have probably been invited to connect with at least one website using a social media login. These connections are often done through Google+, Twitter or Facebook, but can also be used
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Security Mistakes You Make Every Day

We all try to go about our days as smoothly as possible, but unfortunately, we live in a world where it seems like there are threats lurking around every corner. Even if you think you’re doing things by the book, you are probably making a number of
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The New Apple Watch: Is Your Data Safe?

Yesterday, to much fanfare, Apple made several big announcements — including that of a brand new Apple Watch. The watch, which will retail for anywhere from $349 for the Apple Sport model to as high as $17,000 for high-end, solid gold editions, can be pre-ordered starting on
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ATM Skimmers: What They Are and How to Detect Them

We talk a lot about protecting your identity online, but the offline world poses plenty of dangers as well — especially when it comes to keep your financial information safe. Although many people these days opt to use credit cards or even mobile payment apps to cover
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Fraudsters Use Breached Credit Cards on Apple Pay: What You Need to Know

A recent discovery of fraud perpetrated through the Apple Pay system has been causing the tech company trouble. The payment system has been hit with a wave of fraudulent transactions, mostly through Apple’s stores themselves, using credit card information stolen from recent data breaches. According to The
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Healthcare Industry is at High Risk for Cyber Attacks: How to Protect Yourself

Imagine finding out from your doctor that you need to undergo treatment for a serious condition, but when you submit a request to your insurance company, you are denied. The reason? There have already been too many claims in your name over the past year. After doing
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Can Ride-Sharing Services Like Uber Be Trusted?

Commuting to and from work or other places can be a hassle, especially when you live in a highly populated area like Silicon Valley with tons of other people on the road at all hours. Add in the cost of gas or the misery of trying to
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It’s National Consumer Protection Week: What Can You Learn?

National Consumer Protection Week is upon us. This event, which falls between March 1 and March 7, is a coordinated campaign between multiple government agencies, such as the Federal Trade Commission and state attorneys general offices, as well as businesses that promote consumer rights like the Better
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Why Choose a Personal Loan Over a Traditional Loan?

There comes a time in many people’s lives when they need more money than they have. Sometimes a credit card can be a quick solution, but there are situations when credit cards just won’t work and taking out a loan looks like the smartest option. All loans
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Are Online Forms Safe? How to Know Who’s Getting Your Information

When it comes to filling out an online form to sign up for a service or even apply for a credit card, we usually don’t think twice before we start typing away. Although it’s comforting to assume that our information will be provided to a company that
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What’s the Best Way to Consolidate Debt?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. We are a nation of people in
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Is Anthem AllClear ID Credit Monitoring and Identity Protection Enough?

A little over one week after announcing its data system had been breached, exposing the information of up to 80 million U.S. citizens, Anthem has followed up on its promise to provide free identity protection and credit monitoring to those affected. The health insurance giant has chosen
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Does Your Username Choice Affect Your Privacy?

When it comes to safety and protecting your privacy online, we put a heavy focus on creating strong and effective passwords. While this is certainly an important step to take, passwords are just one part of the constantly evolving puzzle that is Internet identity. For every password
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Anthem Breach: Identity Protection Tips You Need to Know

Identity theft protection is never something that should fall by the wayside, but in the aftermath of a huge data breach like the one currently unfolding for Anthem right now, the need to protect yourself comes into sharp focus. Whenever a major data breach is reported, many
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New Data Suggests Anthem Breach Began in April 2014

Following the announcement last week of a major attack on healthcare insurance provider Anthem, millions of Americans across the country are waiting for more information to come forth. Time is of the essence in the wake of a major attack like the Anthem breach, but all too
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Anthem Says Customers Should Beware of Email Scam

Adding to its headaches following the announcement of a massive cyber attack this past week, Anthem has issued a warning about an email scam that is targeting past and former customers. According to NBC News, the email is designed to look like it has been sent from
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Anthem Hack Exposes 80 Million Individuals: How to Protect Yourself

Health insurance provider Anthem announced late Wednesday, Feb. 4 that it had experienced a massive security breach which exposed the information of up to 80 million of its current and former customers, as well as employees. A letter sent to customers by email and posted on the
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Are You Required to Put Your Social Security Number on a Rental Application?

Finding a house or an apartment to rent is a stressful process, especially if you live in an overcrowded area. In big cities like New York City or San Francisco, open houses can wind up feeling more like you’re on a cutthroat competition game show than simply
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2014’s Worst Passwords: How to Keep Yours Secure

Each year, SplashData releases a list of the top 25 most common passwords people use, and each year it is sad and somewhat shocking to realize just how unprotected so many of us are. This year’s list was full of many repeats from years prior with “123456”
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Child Identity Theft: Should You be Concerned?

Updated: Dec. 30, 2016 Several hospitals in Pennsylvania made a recent decision regarding a time-long New Year’s tradition that turned some heads. Although it’s common for the first babies born on Jan. 1 to have their names published in local newspapers, hospitals in the Richmond, PA area
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Obama Announces Data Breach Protection Legislation: What Does This Mean to You?

During a speech made at the Federal Trade Commission in Washington on Monday, President Obama announced several privacy proposals to help Americans in the face of increased data breaches and identity theft. According to the Washington Times, the proposals he outlined will help protect the privacy of
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Chick-fil-A Reports Payment Card Breach: Will it Affect You?

Some of you might be eating less “chikin” in the new year after learning about an apparent payment card breach at fast food joint Chick-fil-A. This latest in the apparently endless run of retail and restaurant security breaches was reported earlier in the week by security blogger
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4 Reasons Why You Should Buy Identity Theft Protection

Responses to security breaches from retailers, restaurant chains and other companies have followed a similar script since Target was breached during Thanksgiving weekend in 2013. The company issues a statement, promises customers or employees that they will not be held responsible for fraudulent charges and offers those
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Staples Breach: 1.16 Million Payment Cards Exposed

The full extent of the Staples breach was revealed this past week, with the company posting a statement as well as a press release on its website. Although security blogger Brian Krebs reported that multiple financial institutions were complaining of payment card fraud that was connected to
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How to Protect Your Small Business from a Data Breach

It seems like the business world has been plagued with data breaches over the past year, and if the recent Sony Pictures hack is any indication, that’s not likely to change anytime soon. In the aftermath of these security breaches, businesses and customers alike look back at
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Sony Pictures Hack Keeps Growing: 47,000 Social Security Numbers Leaked

Things aren’t getting better for Sony Pictures following an unprecedented attack that began on Nov. 24 and keeps growing, as more stolen data is publicly released. According to the Wall Street Journal, a whopping 47,000 social security numbers were exposed in this attack, including those of a number of celebrities such as Rebel
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The Sony Breach and Medical Identity Theft: How They Relate to You

A massive hacking attack on Sony Entertainment got a lot worse for company employees when it was discovered that sensitive employee data was stolen. Last week, employees logged into their computers to discover an image of a skeleton with the message “Hacked by #GOP” (which stands for
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Are We Becoming Numb to Data Breaches?

When the news broke a little over a year ago about the massive Target data breach, it was all anyone could talk about. The timing couldn’t have been worse for the popular retailer — the breach itself occurred during the busiest weeks of the holiday shopping season
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Nicki Minaj’s Social Security Number Exposed: Can it Happen to You?

Celebrities are just as at risk to identity theft as the average person — something rapper Nicki Minaj is finding out after a photo that contained her social security number was published by a media outlet last month. The old booking photo had her social security number
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Holiday Donation Scams: How to Protect Yourself

‘Tis the season to be generous. With the holidays right around the corner, many of us are thinking about those who are less fortunate and wanting to give what we can to help them out. While the act of donating is a noble one, the sad truth
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Are Your Rewards Card Loyalty Points in Danger?

We are a culture that loves bonuses, and anyone in the business of making money realizes that. Everything from credit card companies to airlines and grocery stores seem to have loyalty programs these days. While the details vary from company to company, the premise is the same:
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Home Depot Data Breach Just Got Worse: What This Means For You

Home improvement retailer Home Depot has been in the news a lot recently due to a massive payment card data breach, and it looks like things are only getting worse. The company announced Thursday that in addition to the 56 million credit and debit cards that were
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Don’t Let the Real Ghouls Steal Your Identity this Halloween

Vampires, ghosts and goblins are the stuff of nightmares, but the real frights aren’t the things that go bump in the night. Among the most terrifying things in life are identity thieves, who are poised and ready to steal your information and wreak havoc on your finances.
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Pay Off Debt: Is a Balance Transfer or Personal Loan Better?

While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs. Having a lot of debt can start
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FBI Says More Than 500 Million Financial Records Stolen This Year: How to Protect Yourself

“You’re going to be hacked. Have a plan,” Joseph Demarest, assistant director of the FBI’s Cyber Division, warned a group of business leaders at a cybersecurity event on Monday. This event, organized by the Financial Services Roundtable, sought to help business owners understand the magnitude of the
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Staples Announces Possible Credit Card Breach

Office supply retail chain Staples announced on Monday that it is investigating a breach in its payment systems. Staples joins Kmart, Home Depot, Dairy Queen and a number of other retailers who have suffered from data breaches over the past few months. The constant stream of new
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Nearly 400 Dairy Queen Stores Breached: Here’s All You Need to Know

After announcing that it had suffered a data breach in September, Dairy Queen has released a statement with details on how many stores were affected. In total, 395 Dairy Queen stores and one Orange Julius store had their payment systems compromised by the infamous “Backoff” malware. This
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Kmart Announces Payment System Breach

Adding itself to an ever-growing list of retailers with egg on their faces, Sears Holding Corp. announced on Friday, October 10th, that the payment systems in its Kmart retail stores were breached by malware. According to the Wall Street Journal, this breach was discovered Thursday, October 9th,
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Fidelity Attacked by JPMorgan Chase Hackers: What You Need to Know

Investigators with the FBI and the U.S. Secret Service believe that Fidelity Investments was the victim of a cyber attack perpetrated by the same people who hacked JPMorgan Chase. According to the Wall Street Journal, an investigation has revealed that 13 financial firms in the U.S. were
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JPMorgan Chase Breach Exposes 76 Million Household Accounts

JPMorgan Chase made a regulatory filing with the Securities and Exchange Commission Thursday which disclosed a major security breach that occurred over the summer. This breach, which was originally thought to affect only one million customers, has actually compromised the personal information of over 76 million household
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Holiday Shopping and Data Breaches: How to Keep Your Identity Safe

Updated: May 3, 2016 Heading into the holiday shopping season, you are probably worried about the safety of your personal data as you pick up gifts and the other essentials this time of year. Who can blame you for worrying? Last November during the height of Black
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Jimmy John’s and Signature Systems Inc. Breach Confirmed

Sandwich lovers across the country, take heed: popular chain Jimmy John’s has just confirmed it suffered a data breach over the summer. After an investigation, which began on July 30, 2014, the company announced on September 24th that more than 200 of its 2,000 stores nationwide were
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Social Media and Your Reputation: What You Need to Know

Did you do anything fun this weekend? Maybe you had a little too much fun at the after-work happy hour on Friday, and now the whole office knows because someone tagged you in a Facebook photo. Everyone likes to cut loose on the weekend, but what you
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Apple Pay: How Safe is Apple’s New Mobile Payment System?

Apple is a company known for creating buzz and innovation. Last Tuesday during its launch of the new iPhone 6, the company’s CEO Tim Cook announced several other new developments — including a mobile payment system called Apple Pay. Standard on its new mobile devices, this payment technology
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Home Depot Offers Free AllClear ID Membership – How Does It Stack Up Against the Competition?

As data breaches have become a sad reality for numerous retailers and other service providers across the country, many have scrambled to rebuild their customers’ lost trust. One way companies like Target, Community Health Services and — most recently — Home Depot have done this is to offer customers
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Home Depot Breach Confirmed: What You Need to Know

Home improvement chain Home Depot has confirmed today that it has suffered a security breach with the payment data systems in its retail stores. This breach started in April 2014 and lasted up until August. Customers who paid with a credit or debit card in stores in
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HealthCare.gov Breached – No Personal Data Stolen

Editor’s note: This blog post was updated 09/05/14. Another day, another security breach. Officials at the Department of Health and Human Services have announced that a hacker breached the security of the HealthCare.gov website in July. Fortunately, no personal data was taken during this breach. That news
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How Home Depot’s Credit Card Breach Impacts You

Trouble is brewing for Home Depot, America’s largest home improvement retail chain. Several financial institutions, as well as cybersecurity blogger Brian Krebs, have uncovered evidence that a major data breach may have occurred within the chain as early as April 2014. Credit card data that matches up
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Dairy Queen Breach: How To Protect Yourself

Potentially bad news on the horizon, ice cream lovers: Dairy Queen may be the latest retailer with a data breach problem. Last week, the company announced that customer data at a limited number of stores may be at risk. Dairy Queen was contacted by the Secret Service
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5 Ways to Protect Yourself From Payday Loan Scams

Need cash fast? You aren’t alone. Many people find themselves in a bind with payday looming far ahead. Payday loan services offer the cash you need right away. However, it is important not to let the allure of fast money get in the way of your common sense. Many
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Will Checking My Personal Loan Rate Hurt My Credit?

Q: I received a letter in the mail telling me I might qualify for a personal loan. Will it hurt my credit to request a quote to see what my personal loan rate will be? Personal loan services will sometimes send letters or fliers in the mail
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UPS Security Breach Affects 51 Stores in 24 States

United Parcel Service (UPS) customers might want to check their bank statements after the shipment and logistics company announced that 51 of its U.S. stores located throughout 24 states were breached by malware. UPS said the computer virus was not identified by current antivirus software. UPS customers who used
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The Credit People Unveils New Pricing Structure

Sometimes, it’s better to sail with the current than against it, and this is especially true when it comes to running a business. After years of standing out from the competition with a flat-rate fee, long-time credit repair service The Credit People has recently decided to remodel
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ZoneAlarm 2015 Security Software Released

ZoneAlarm has released its 2015 security software this week, several months ahead of the other top security software brands. We reviewed the newest version of this Internet security software and came away with pretty much the same impression from the 2014 version. This isn’t necessarily a negative –
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IRS Warns of Phone Scam Targeting Taxpayers

As if tax season wasn’t enough of a hassle, the IRS is warning taxpayers about a sophisticated phone scam being conducted right now. This scam has already taken a combined $1 million from more than 20,000 people in almost every state across the country. According to J.
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Lexington Law vs. Sky Blue: Which Credit Repair Is Better?

Updated: March 20, 2014  Navigating the world of credit repair can be tricky, and for every legitimate credit repair service out there you’re apt to run into several bad apples. But don’t let those spoil the bunch — there are great resources out there to help you get
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$29 Bitdefender Discount Celebrates Leap Year

2014 is not a leap year, but that’s not stopping Bitdefender from using the once-every-four-years event to promote its software. The Internet security company is offering a special discount on all of its 2014 security software products of just $29 in a tongue-in-cheek offer that recognizes February
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Six Reasons to File Your Taxes Early

Updated: February 24, 2014 Have you started filing your taxes yet? It’s easy to put off something as headache-inducing as your tax return as long as possible, but there are a number of advantages to filing early. Tax season 2014 has only been open for a little
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What Are the Differences Between Ovation’s Essentials and Essentials Plus Programs?

Q: You mention in your review that the Ovation Essentials Plus package mails unlimited letters of dispute. How many do I get if I sign up for the basic package? Do they send out letters to creditors as well? A: Great question! Ovation Credit Repair currently offers
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Social Media Security and Your Internet Security Software

Protecting yourself from threats and identity theft while online is more important than ever these days. While most of us are aware of the need to use caution when visiting online banking websites, surfing the web or shopping online, it might not be so obvious that social
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How Can I Spot A Legitimate Credit Repair Service?

With recent headlines buzzing about the unfolding Target security breach, that has compromised millions of customers’ debit card data, many of us are taking an extra hard look at our financial information to watch for malicious activity. If you’ve fallen victim to a credit card scam or
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Norton vs. Kaspersky 2014: Which Is Better?

Pitting Norton vs. Kaspersky 2014 is a true battle of the best when it comes to Internet security software. Both have stepped up to the plate this year with slick, Windows 8-ready interfaces, top-notch security offerings and enough fancy features to make your head spin. To help
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How Long Does It Take to Remove Credit Report Errors?

Q: How long does it take for a credit repair service to clean up errors or disputed items on my credit report? Great question. The simple answer to this question is that it varies. First, it is important to understand what credit repair companies can do for
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Credit Repair: Do I Have to Order My Credit Report Myself?

Q: Can a credit repair service obtain my credit report instead of me obtaining it then sending it to them? Good question! The first and most important step toward credit repair is obtaining your official credit report. This can be done through one or all three credit
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Can Credit Repair Erase Delinquencies from a Credit Report?

Q: If I have a delinquency on my credit report, will a credit repair service get that removed even though it is not an error? And how long will it take to erase delinquencies from my report? Good question! When it comes to credit repair, the first
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Online Shopping: Which Internet Security Software Offers the Best Protection?

Whether it’s feeding your shoe addiction or buying a season pass to catch up on “Breaking Bad,” shopping online has become a habit for many people. With the holiday season fast approaching, doing the bulk of your gift buying online to escape the madness of the mall
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