Rapunzel’s Credit Folley

Once upon a time there was a beautiful girl named Rapunzel who had exquisite credit.  She had spent years growing her credit score so it was large enough for her to go to college, or buy a car or even a house.  But she was still young, and her mother did not want her to run off and get married and spend all her credit on a house and husband before she had had a chance to get a college education.  So her mother locked Rapunzel away in a high tower with only a computer so Rapunzel could go to school online. Every day suitors would come to the tower and cry, “Rapunzel, Rapunzel, let down your hair!”  But Rapunzel was taught well by her mother and knew better than to let these young men get to her lovely credit score.  And so she kept to herself and her studies, and her credit continued to grow. Then one day Rapunzel received a call from a young man who said he was from Technical Support.  He warned her that without his help, her computer was in security danger.  For fear of losing her one link to the outside world through her […] Read More

Keep Your Wits About Your Wi-Fi

Free Wi-Fi is a great deal…unless someone uses it to steal your identity.  Keep your credit to yourself and be wise about free Wi-Fi. How are you reading this blog?  Are you at home, a coffee shop, hotel, or library?  Who else has access to this Wi-Fi connection with you?  Are you on a public wireless network?  Whether you are on your laptop or smart phone, be sure that any personal or financial information you send will be protected.  If you are using an encrypted website, that is great, but it only protects information to and from that site. Use a secure wireless network to ensure all the information you send on that network is protected.  For more tips on keeping your personal information personal, visit the Federal Trade Commission website at: http://www.consumer.ftc.gov/articles/0272-how-keep-your-personal-information-secure Read More

No Phishing

Avoid phishing expeditions.  Phishing is when Internet fraudsters impersonate a business to trick you into giving out your personal information.  They may send you an email or text, or give you a link to click on—do not reply, click, or call their telephone numbers…unless you are not fond of your identity and care nothing for your credit score. Have you ever received a message like one of these: “We suspect an unauthorized transaction on your account.  To ensure that your account is not compromised, please click the link below and confirm your identity.” “During our regular verification of accounts, we could not verify your information.  Please click here to update and verify your information.” “Our records indicate that your account was overcharged.  You must call us within 7 days to receive your refund.” If yes, then welcome to the human race.  Often the messages look legitimate, seeming to come from companies with which you do business, but legitimate companies do not ask for personal or financial information like credit card and bank account numbers, Social Security numbers, passwords, etc. via email or text. If you are concerned about your account, contact the bank or company via the telephone number on […] Read More