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ACCESS Guard My Credit File News
What the Latest FED Interest Rate Hike Means for Credit Card Users
In The News

September 22, 2022 - In case you haven't been paying attention, the FED just raised interest rates again this week. The latest increase was 75 basis points. Translated into English, that amounts to three quarters of a percent. And that's bad news for anyone carrying a balance on their credit cards.

The Search Engine Results Scam that Anyone Can Fall For
Fraud Alerts

September 17, 2022 - It's being called "malverting." In plain English, malverting happens when you use a search engine and click on a result that actually diverts you to a malicious website. Hence the name. And it's a problem that is now creeping into paid advertising on all of the major search engines. And unfortunately, it's very difficult to spot these ads before you become a victim.

The Coming Collapse in Home Prices
Federal Issues

September 11, 2022 - There is a pattern to the way that people stop paying their bills when they can't afford them. Typically, the last bills that people stop paying are utilities, auto loans and home mortgages. The reason for this is simple. You need water and power to live. You need a car to get to your job, which you need to pay your bills. And you need a roof over your head. So when 20 million American households are delinquent on their utility bills, and as we reported in July, auto loan delinquencies have gone through the roof, it's fairly easy to predict what comes next.

New Phishing Scam Hides Malware in Image from James Webb Telescope
Fraud Alerts

September 8, 2022 - There is a new email phishing scam making its way around the globe. Hackers are hiding malicious computer code in an image from the James Webb telescope, and no antivirus software can stop it.

Gabby Giffords Wants Credit Card Companies to Flag Gun and Ammo Purchases - A Very Slippery Slope
Federal Issues

August 29, 2022 - Gabby Giffords gun control group is asking credit card companies to flag purchases of guns and ammunition. She wants the companies to stop classifying these purchases as sporting goods sales and enter them into a new category for weapons. From her group's tweet on the matter over the weekend, she's really proposing that credit card companies monitor these sales and then cut them off if, in their determination, the person making the purchases is buying too much of these products. That's a very slippery slope that has some serious implications for both personal and financial privacy.

20 Million Households Aren't Paying Their Utility Bills
Personal Finances

August 26, 2022 - Not many people really need any new evidence that the economy is in trouble, but the new evidence keeps on coming. Bloomberg News is now reporting that 1 in every 6 households is behind on their utility bill payments and that we can expect to start seeing utilities shut off for millions. All of this just prior to winter.

Cost of Raising a Child Has Increased Nearly Eighty Thousand Dollars Since 2015
Children & Finances

August 19, 2022 - According to the US Department of Agriculture, the cost of raising a child in the United States was approximately $233,000 in 2015. That's the last time the government released a survey on the topic and included everything from the cost of food and clothing to the cost of things like toys and after school activities. But with inflation, that cost has gone through the proverbial roof according the Brookings Institution. In comments they made to the Wall Street Journal, they say that the current cost of raising children is now over $310,000. That's an increase of $77,000 - or 33% - in just seven years.

95 Percent of Americans Say They Have Been Impacted by Inflation - New Poll
Personal Finances

August 15, 2022 - A new poll by the Economist/YouGov has been released. The poll of 1,500 American adults was conducted last week and it has a margin of error of 2.9%. 95% of participants stated that they had been impacted by inflation and 56% of participants said that they had been impacted heavily. While disturbing, the results are not surprising given the current state of the economy.

Cost of Heating a Home will Soar This Winter
Federal Issues

August 14, 2022 - Natural gas prices have been on the rise for two years now. In the two-year period between the winters of 2019 and 2021, they nearly doubled; going from $2.22 to $4.07 for 1,000 cubic feet of gas. And in the past year, they've more than doubled again. The price is now $8.20 for 1,000 cubic feet of gas. And those, by the way, are wholesale prices. The consumer price is higher. These increases mean that millions of Americans who live in cold climates are going to face much steeper prices for heating their homes this year.

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