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ACCESS Guard My Credit File News
Your Car is Spying on You and Your Insurance Company May Be Too
In The News

September 20, 2021 - What does your car know about you? That may be something you've never thought about but after reading this, you may want to start. If you own a car that is less than ten years old, it knows a lot more about you than you think. And there is even a reasonable chance that its sharing that information with third parties.

Privacy and Search Warrants in the Digital Age
In The News

September 18, 2021 - Not so long ago, if the police wanted to know where you were at a specific date and time, they would have to do some investigating. By that, I mean they would actually have to make some phone calls to your friends and acquaintances. Go out and knock on a few doors. Interview a few people. After that, they might be able to establish where you were and what you were up to. But that's all changed now. All they have to do is contact Google, Apple or any one a number of other companies and get a data dump on you. And the information they get could put you in a world of hurt even if you haven't done anything wrong.

The Amazon Scam - What Online Shoppers Need to Know
Fraud Alerts

September 13, 2021 - Just about everyone does some of their shopping online these days. And if you are like most people, there is a pretty good chance that you use Amazon for a portion of that shopping. Try as one might, they are hard to avoid. But there is a scam going on right now and the crooks behind it are using Amazon as a part of their ploy. And the scam is surprisingly easy to fall for even for those who are being careful. 

Apple and its Apparent War on Privacy - The Story Continues
In The News

September 7, 2021 - Over the past month we've done two stories on Apple. Early last month the company announced that it would start scanning its customers devices to root out child pornography. While that is certainly a laudable goal, invading the privacy of millions of innocent people to root out a few perverts is akin to using a sledge hammer to kill a fly. Not only is it a bad idea, it also creates a slippery slope upon which the company has intentionally engineered a back door to its devices. It's a privacy compromise that can be expanded at will to root out other perceived evils such as "thought crimes."

Is Profit More Important Than Privacy with Apple? Don't Fall for the Company Line!
In The News

August 31, 2021 - Apple is making some interesting moves in the world of privacy. Essentially, they are eliminating it. That's somewhat stunning given the company's history. Apple has famously refused to help law enforcement agencies break into their devices, even when they have been presented with a search warrant. But over the past couple of months, they've made some announcements and struck some deals that lead us to the conclusion that privacy isn't really as important to them as they say it is. So what's going on at Apple?

Learning Nothing from History - Financial Institutions Now Repackaging Mortgages in Form of Bonds
Federal Issues

August 23, 2021 - When mortgage markets fell apart back in 2008, financial institutions and the federal government did a lot of soul-searching. Well, maybe that isn't the right term. They were looking for someone to pin the blame on. In the end, there were a lot of public statements made by the government, the FED and lenders alike that they never saw the meltdown coming. It was a huge surprise. Even Alan Greenspan, former head of the FED was making such proclamations. Had any of them looked at history, they would have seen in coming, but they would had to go back to the early 1900's and that was apparently too difficult for them. But now, we know quite a bit about what caused the 2008 meltdown, so there really aren't a lot of excuses. Given that, it's a little surprising that mortgage lenders are repeating such recent history. 

Proving Once Again the Government is Terrible at Cybersecurity - Census Bureau Was Hacked
In The News

August 18, 2021 - We should probably be used to this by now. The federal government has been hacked so many times, and so much sensitive data has been exposed, that it shouldn't be a surprise anymore. But it is. The latest government agency to be hacked appears to be the US Census Bureau.

T Mobile Investigating Reported Data Breach Affection Nearly All of its US Customers
In The News

August 16, 2021 - Cellular carrier T-Mobile is investigating a possible data breach of what appears to be its entire US customer base. The potential breach was discovered when a hacker posted about it on a dark-web user forum, offering to sell a subset of the database for around $270,000 to be paid for in Bitcoin. According to the posting, the stolen data has information on around 100 million people.

Facial Recognition Being Used by More Retailers
In The News

August 13, 2021 - The next time you set foot in a retail store, you should know that your image may be being monitored by facial recognition software. That’s because mainstream retailers like Macy's and Lowes are now using it. Unfortunately, there is no real way to know what they are using it for, and there is no way for you to opt out.

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