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ACCESS Guard My Credit File News
Choosing the Wrong College Major Could be a Costly Mistake for Parents and Students Alike
Children & Finances

April 7, 2024 - Choosing a college major is a significant decision that can shape your future career prospects and financial stability. But all majors and not created equally. Recent data from the New York Federal Reserve sheds light on college majors with the highest unemployment and underemployment rates, providing valuable insights for parents and high school students navigating the maze of higher education choices.

AT&T Data Breach Exposes Millions to Identity Theft and Privacy Risks
In The News

March 31, 2024 - On Saturday, telecommunications giant AT&T disclosed that data belonging to approximately 73 million current and former account holders has been leaked onto the dark web. The breach, which affects around 7.6 million current customers and a staggering 65.4 million former customers, presents grave implications for both privacy invasions and identity theft.

Government Collaboration with Gaming Companies Raises Privacy and Constitutional Concerns
In The News

March 30, 2024 - We live in an era increasingly defined by digital interactions; something that is especially relevant in the world of online gaming. Many computer games today are collaborative and involve communications between the players. So recent revelations of collaboration between federal agencies and gaming companies to monitor gamers have sparked widespread discussions surrounding privacy and constitutional rights. 

Biden's Student Loan Bankruptcy Policy: Relief for Borrowers, Burden for Taxpayers
Federal Issues

March 26, 2024 - At the end of 2022 the Biden administration has implemented a new policy allowing many student loan borrowers to discharge their student loan debt through bankruptcy proceedings. While this may offer much-needed relief for struggling borrowers, it places a real burden on taxpayers, many of which have never attended college.

Car Manufacturers Under Fire for Covert Data Sharing Practices on Driving Habits
In The News

March 19, 2024 - Certain car manufacturers are quietly selling their customers' driving data which is then being used by insurance companies. Recent reports of this are sparking outrage among privacy advocates and consumers alike. For many, the result of this practice is a significant increase in their insurance rates. That’s because the data being shared includes information on acceleration, "hard braking" (whatever that is) and speed. So if your insurance company thinks that you're an "aggressive driver," they will hit you where it hurts: In the wallet.

Credit Scores Drop for the First Time in a Decade - A Bad Sign for the Economy
In The News

March 11, 2024 - The United States is witnessing a decline in national average credit scores for the first time in over a decade. According to recent findings from FICO, the average credit score dropped from its peak of 718 in early 2023 to 717. Ethan Dornhelm, Vice President of Scores and Predictive Analytics at FICO said, "It's a notable milestone. "

American Express Data Breach Exposes Customer Information: What You Need to Know
Fraud Alerts

March 9, 2024 - American Express has alerted some of its customers about a new data breach which has compromised personal credit card information. According to a report by the Daily Mail, the breach occurred through a third-party merchant processor, leading to unauthorized access to sensitive data including account numbers, names, and card expiration dates.

AI Powered GPTs Now In The Hands of Cybercriminals
Fraud Alerts

February 29, 2024 - In the realm of cybersecurity, a troubling trend is emerging. The misuse of artificial intelligence (AI) in search engines to fuel cybercrime and fraud. Recent revelations highlight the emergence of AI-driven chatbots on the dark-web. These bots, leveraging the same AI technology as mainstream models such as OpenAI's ChatGPT, are empowering cybercriminals to orchestrate more sophisticated and devastating attacks.

Credit for Caring Act Would Offer Financial Relief for Family Caregivers
Federal Issues

February 25, 2024 - In a move aimed at lightening the financial load on millions of American families, lawmakers are pushing forward with the Credit for Caring Act, a bill designed to provide much-needed assistance to those caring for elderly relatives. The proposed bipartisan seeks to offer a federal tax credit to working family caregivers, helping to offset the substantial expenses they incur while looking after loved ones. If passed, this bill could bring significant relief to households struggling with the costs associated with caregiving.

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04/16/2024 07:30:35