Almost You is NOT You – Online Login or Password

Had your online login or password exposed in a data breach?  Here is a checklist of what to do, provided by the Federal trade Commission: Online login or password Log in to that account and change your password.  If possible, also change your username.  If you can’t log in, contact the company.  Ask them how you can recover or shut down the account. If you use the same password anywhere else, change that too. Is it a financial site, or is your credit card number stored?  Check your account for any charges that you don’t recognize. Do not throw good money at stolen accounts. Your credit may be compromised if an ID thief gets your personal and/or financial information.  Protect your credit by addressing any form of identity theft.  For other checklists on various types of information exposure, go to the Federal Trade Commission’s website at https://www.identitytheft.gov/info-lost-or-stolen.html.     Read More

Almost You Is Not You – Data Breach Drill

Not feeling like yourself today?  Or feeling a little less ‘flush’ than normal?  If you have been the victim of Identity Theft, the Federal Trade Commission has a data breach drill.  This online resource gives you a streamlined plan to address the problem. It is a one-stop online checklist that you can customize to your problem, depending on what information was lost or exposed—Social Security number, online login or password, debit or credit card number, bank account information, driver’s license information, children’s personal information.  Their idea is that recovering from identity theft is easier if you have a plan. The free online checklist is available at https://www.identitytheft.gov/info-lost-or-stolen.html.   Read More

Who’s Wearing Your Credit?

Fashion Week starts this week in New York, and with identity theft trending, someone else could be masquerading in your good credit, compromising your purchasing power. Credit determines your ability to buy items like a house, a car, a student loan.  Bad credit can limit your ability to get more credit, and it can raise the cost of a loan (the interest rate) and lower your chances to get the loan in the first place.  Bad credit is not a place you want to be, especially if you did not get to enjoy any of the things charged to your account along the way! The Department of Justice has a pneumonic to help you avoid becoming the victim of identity theft: SCAM. S is for “Stingy.”  Be stingy about giving out your personal and financial information. C is for “Check.”  Check your accounts regularly. A is for “Ask.”  Ask for your free credit report once a year (see below). M is for “Maintain.”  Maintain good records of your banking and financial information.  You should know what should be in there…and what should not. If you want to monitor Tommy Hilfiger, you can watch Fashion Week live online at http://mbfashionweek.com/live If […] Read More

Data Breach & Your Credit

Attention Neiman-Marcus shoppers, if you feel that you have been charged too much, you may be the victim of data breach.  Data breach can happen in the best of stores…as well as Target. This year, Neimans offered His and Hers remote controls to go with a 201” television screen for $1,500,000.00, which is fine if you have that kind of money and if you do not mind watching TV outside.  What is NOT fine is if you paid for the gift, but someone got your personal financial information from the transaction, and then charged a lot more stuff to your credit card. The problem with retail store data breach is that someone else takes credit for your hard-earned purchasing power.  Credit determines your purchasing power to buy items like a house, a car, a student loan.  Bad credit can limit your ability to get more credit, and it can raise the cost of a loan (the interest rate) and lower your chances to get the loan in the first place.  Bad credit is not a place you want to be, especially if you did not get to enjoy any of the things charged to your account along the way! CBS […] Read More