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Equifax Data Breach

October 10th 2017 by
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Equifax is a consumer credit reporting agency which collects personal information for reporting services. Recently, Equifax announced a breach that may have affected millions of people. The affects of this breach may result in identity theft, fraudulent transactions, complications when applying for loans or jobs, and much more. However, there are ways to keep you safe and protected in order to avoid and prevent possible impacts. The breach occurred from mid-May through July 2017 and may have affected more than143 million people in the United States. Personal information that was accessed without authorization which caused the breach included but is not limited to Names Social Security Numbers Birth Dates Addresses Driver’s License Numbers With this breach, credit card numbers for 209,000 consumer and dispute documents with personal information for 182,000 consumers were also affected. To assist consumers in protecting their sensitive, personal information, Equifax has created a website where consumers…

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Why Have Some Loan Rates Increased?

January 12th 2016 by
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Last month, the Federal Reserve raised the prime interest rate.  This is the first time it has done so in nearly a decade, which means many of you have not experienced a rate hike in your adult lives. Even if you have, given the time between, you may want a reminder about what such an increase means. What To Expect First, if your payment amount goes up on any of your loans because of this interest rate hike, it is not because we chose to raise your bill.  Adjustable rate loans are usually tied to the prime rate, so when…

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The Importance Of Your Credit Score (And How To Improve It)

January 5th 2016 by
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There’s a three-digit number tied to you that has a huge impact on your life: your credit score. When you hear “credit score,” most people are referring to your FICO (Fair Isaac Corporation) score. The three different credit bureaus (Equifax, TransUnion and Experian), all have a FICO score for you, but they may vary slightly. Your FICO credit score will be from 300-850, with 850 being the best score. Credit scores are based on an algorithm that looks at your payment history, current debts, types of debt, frequency of new applications and length of history on record. But enough about what it…

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Way Off Track with Your Financial Goals?

August 25th 2015 by
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Did you make New Year’s Resolutions about your personal finances, but haven’t followed through? It’s not too late to get back on track.  With some effort, you can still meet your goals by the end of the year. Giving Up is Always the Easiest Option Just because it’s later in the year doesn’t mean there isn’t room for improvement.  You first need to determine why you didn’t follow through in the first place.  Once you determine that, you can figure out how to fix it so you don’t go down the same path. Was it too hard? Did something unexpected…

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Stay Safe Online this Holiday Season

December 11th 2014 by
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With all the security breaches that happened this year,  protecting your personal information is paramount. Part of doing this is being cautious online. It’s hard to resist the ease of online shopping and the fantastic deals available, but the key is to be knowledgeable about what to look out for and how to protect yourself. Beware of Phishing Attacks and Scams Phishing occurs when criminals attempt to obtain sensitive information by pretending to be a trustworthy person or entity. This can take many forms, so be on the lookout for: Family members claiming to be stuck in foreign countries and requiring…

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