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ACCESS Guard My Credit File News
Your Picture Is Now The Only Thing Needed To Find You
In The News

January 21, 2020 - What if someone could take a picture of you and learn your name, address and other personal details about you in just a few seconds? For years, that has been a question that government, law enforcement agencies, corporations and academics have contemplated but done little else. Now the time for contemplation is over. A company by the name of Clearview AI has made the scenario above a reality and they are now providing their services to more than 600 law enforcement agencies around the country. And other commercial applications of their service are almost certain to follow.

How To Determine If Your Passwords Are For Sale On The Dark Web
How to Protect Yourself

January 17, 2020 - Data breaches have become nearly a daily occurrence, and the data exposed in them can include everything from the mundane to ability to drain bank accounts. CNBC recently reported that 38 Billion records have been exposed in data breaches since 2010. That's a lot of information and it definitely includes user names and passwords for billions of accounts. But how do you find out if YOUR ACCOUNTS have been compromised and the information put up for sale on the dark web? Fortunately, there's and app for that! 

Researcher Finds PayPal Password Vulnerability
In The News

January 15, 2020 - A security researcher by the name of Alex Birsan discovered method to expose the email addresses and passwords for PayPal accounts. The vulnerability, which has since been patched, could have left users of the service open to fraudulent activities.

Cybersecurity Issues - Lessons From 2019
Fraud Alerts

January 7, 2020 - The number and frequency of cybersecurity attacks in 2019 was staggering. But that really shouldn't surprise anyone. Cybercrime is now big business. The money being brought in by cyber criminals is now on par with the illegal drug trade. But the chances of getting caught are significantly less. And for those who do get caught, the penalties are also significantly less. You don't hear too much about people being sentenced to death or life in prison for attacking a retailer's computer system. 

Social Credit Scores Now At American Universities May Be Illegal
In The News

December 28, 2019 - What if you were a college student and your school used an outside resource to track your attendance? And what if the results of that tracking were used to influence your grade and intimidate you into attending class? Well, based on our reading of the Fair Credit Reporting Act (FCRA), that would mean that the outside resource was functioning as a consumer reporting agency (CRA), and unless that resource was following the reporting requirements included in the FCRA, it would be illegal. Unfortunately, it is already a reality at a number of American universities.

Pentagon Warns Service Personnel Not To Use In-Home DNA Tests
In The News

December 27, 2019 - In-home DNA tests have become wildly popular. Offered by companies like 23andMe and Ancestry.com, the tests allow just about anyone to learn about their ancestry and to check for potential diseases that may run in their family line. But as interesting as that information may be, having it stored on some company's servers over which you have no control poses certain risks. We've repeatedly warned of these for several years. And now the Pentagon agrees. It has issued a memo to military personnel, telling them to avoid using these types of tests. 

Facebook Not Protecting Employee Data Any Better Than It Does Customer Data
In The News

December 17, 2019 - Facebook and its subsidiaries have received a lot of bad publicity over the past year or so for customer data breaches. Some of those breaches were actually older - like the one with Cambridge Analytics that had to do with voter manipulation - and some more recent like those that involved customer data on Instagram and WhatsApp. These breaches resulted in the release personally identifiable information (PII) for millions of the company's customers. So you might think that the company would, at the very least, put out a memo telling employees that they need to be careful when handling PII, and a policy that limits access to that type of data to people with a need to know. Frankly, we don't know if the company put out such a memo. But we can say definitively that if they did, it didn't sink in.

Is Your Rideshare Driver Who He Says He Is? Maybe Not!
In The News

December 12, 2019 - Over the past year there have been a variety of reports about bad experiences from passengers who climbed into rideshare vehicles. In most cases that means Uber of Lyft, but there are actually many more operators around the country that are just in certain markets. As we started looking at the issue from the standpoint of protecting passengers, we discovered that it isn't just passengers that need protecting. In fact, there is a black market operating in the gig economy involves fraudulent accounts and identity theft, and is impacting both drivers and passengers. Here is what you need to know.

Health Insurance Alternatives and Supplements To Help You Control Your Budget
Personal Finances

December 10, 2019 - There are just five more days in open enrollment for health insurance and if you are like many Americans, you're probably a little frustrated - or worried - about your premium costs. Ever since the implementation of Obamacare, premiums and deductibles have both gone through the roof for many, making the thought of actually utilizing your insurance daunting even in the case of an emergency. That's why consumers may want to look at using telemedicine as an alternative, or supplement to their health plan, as a means to control ever spiraling medical costs.

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