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ACCESS Guard My Credit File News
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Federal Issues
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January 18, 2026 - A new housing proposal backed by President Donald Trump would allow Americans to use their 401(k) retirement savings to help purchase a home without facing early withdrawal penalties. The plan, expected to be unveiled in Davos later this month, has already stirred debate among financial experts, real estate professionals, and policymakers.
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How to Protect Yourself
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January 14, 2025 - Artificial intelligence is reshaping the fight against identity fraud in the United States, but it's also fueling a disturbing rise in sophisticated scams. As AI tools become more powerful and accessible, both criminals and corporations are using them - but for very different ends.
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State Issues
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January 12, 2026 - In much of the United States, gas prices have quietly slid back to levels not seen since before the pandemic. Nationally, the average cost of a gallon of regular gasoline is hovering around $2.80, and in some places, it's fallen even further.
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Federal Issues
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January 8, 2026 - As we ring in 2026, there's something extra to celebrate besides the turning of the calendar: a sweeping new package of tax breaks designed to put more money back in your pocket. Whether you're a restaurant server, a nurse pulling overtime, a senior on a fixed income, or just someone trying to make ends meet, the new provisions in the One Big Beautiful Bill (BBB) could bring real savings when you file your taxes this year.
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State Issues
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December 31, 2025 - As the calendar flips to 2026, a wave of new state and federal privacy laws is changing the way your personal data is collected, sold, and protected - with direct consequences for your finances, your risk of identity theft, and even the ads that follow you online.
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In The News
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December 30, 2025 - Discord, a popular chat app used by about 150 million people every month, has confirmed a data breach that exposed personal information from thousands of users. The breach happened not through Discord’s own servers, but through a third party company that helps handle customer support. The hackers were able to access messages between users and support agents, usernames, email addresses, IP addresses, and in some cases, images of government-issued IDs.
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Fraud Alerts
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December 28, 2025 - In recent weeks, federal law enforcement has taken some striking action to stop a growing threat: bank account takeover fraud. This is a type of cybercrime where criminals steal your online banking login details and then use them to drain your money. The FBI and the U.S. Department of Justice (DOJ) are not just warning the public - they are actively disrupting the criminal systems that make these scams possible.
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Federal Issues
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December 27, 2025 - When Congress passed the One Big Beautiful Bill and the president signed it into law, the promise was simple and politically potent: no federal income tax on tips, no federal income tax on overtime pay, and a new deduction for seniors meant to ease the pressure of rising costs in retirement. For millions of workers and retirees, it sounded like real relief. What many people did not realize, however, is that federal tax policy does not automatically carry over to the states. |
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Personal Finances
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December 23, 2025 - After nearly six years without aggressive collections, the federal government is preparing to restart one of its strongest tools against people who have fallen behind on their student loans: wage garnishment. |
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