User Login

Lost Password?
No account yet? Register
Guard My Credit Menu
- - - THE ISSUES - - -
Fraud and Scams
Credit Issues
Identity Theft
Privacy Issues
Our Children
Politics & Politicians
Guard My Credit Links
Helpful Pamphlets
- - - - - - - - - - - - - - -
Contact Us
About Our Site
Join the Fight
ACCESS is a non-profit, tax exempt consumer advocacy group.

Donations are tax deductable.

Guard My Credit Hits
10097643 Visitors
Food for Thought..

(An Open Letter to the Banks)

Dear Sirs,
In view of what seems to be happening internationally with banks at the moment, I was wondering if you could advise me correctly:  If one of my checks is returned marked "insufficient funds," how do I know whether that refers to me or to you?

ACCESS Guard My Credit File News
Some Telegram Channels Being Censored When App is Downloaded from Google Play Store
In The News

January 13, 2022 - As we reported earlier this month, if you are concerned with privacy and free speech your traditional text messages could be censored if you use T-Mobile or Verizon. We suspect that other phone carriers will soon follow suit too. Because of that, many mobile users are migrating to other platforms. Among those is Telegram; and for good reason.

Text Messages Now Being Censored by T-Mobile and Verizon
In The News

January 6, 2022 - If you think that what you include in your text messages is your business alone, think again. T-Mobile and Verizon are both reportedly now censoring links in text messages that they don't like. Specifically, they have both been reported this week for refusing to deliver text messages that include conservative political commentary. It's an Orwellian move that destroys private communications but which would make Joseph Stalin proud, and it needs to stop.

Criminals and Misfits Now Using Apple AirTags to Target Victims
In The News

December 30, 2021 - Several months ago, Apple introduced a new product called an AirTag. For those who aren’t familiar with it, an AirTag is a tracking device. You can place in your luggage when you fly, and easily find your suitcase is the airline loses it. Of you can attach one to your keys, or in your wallet to find them when you misplace them. You can pretty well track just about anything, anywhere in the world. So it shouldn't surprise anyone that criminals found a use for them almost immediately.

Google To Begin Restricting Access to Some Files Stored on Google Drive - What you need to know!
In The News

December 21, 2021 - Earlier this year, Apple ran straight into a brick wall of privacy activists when it announced that it would begin scanning pictures on customer-owned devices. They said they were looking for child pornography. But if they had gotten away with their plan, there would have been nothing to prevent them from looking for other content that Apple alone could determine was "objectionable." As a result of all of the bad publicity, Apple was forced to put their plans on hold.

Is Your Data Protected from the Chinese Government if You Shop on Taobao or Alibaba?
In The News

December 13, 2021 - There is a disturbing report out from the Epoch Times that Taobao - which is often described as the Amazon of China - is sharing purchase and browsing information of its users with the Chinese government. The company is owned by Alibaba, which is a Chinese shopping powerhouse in its own right. And both platforms are frequented by Americans - often retailers - looking for bargain merchandise. But based on the report, the Chinese government may be using the platforms as a honeypot operation (which means they lure people to make purchases that may be illegal and then pursue legal remedies against those who actually make a purchase).

Downsizing - Using a Reverse Mortgage to Purchase a Home
Personal Finances

Vaccine Mandates, Inflation and Jobs - Part 4

A special series for the soon-to-be unemployed and those facing financial hardship

December 8, 2021 - For anyone trying to economize, the prospect of getting money out of your house is an attractive notion. Of course, if you are employed and have good credit, you can probably look at the various home equity loan options available to you. But if you are facing unemployment, unemployed already or don't have good credit, that may not be an option even if you have a lot of equity in your home. So let's take a look at other options.

Debt Collectors Can Now Legally Contact You Through Social Media - What You Need to Know
In The News

December 3, 2021 - The Consumer Financial Protection Bureau has finalized new rules for debt collectors when making contact with consumers. As of November 30th, it is now legal for them to email, text and direct message debtors through their social media accounts.

Build Back Better Includes Privacy Killing Measure for Drivers
In The News

November 30, 2021 - Joe Biden continues to push for his $1.75 Trillion Build Back Better (BBB) bill, which is currently stalled in the Senate. The bill is largely a wish list of high-cost social engineering projects and nanny state dreams, not the least of which is a provision to destroy the privacy of drivers. As currently written, the bill would force automobile manufacturers to include a device to spy on drivers when operating their vehicles. And it is so poorly written that nobody really seems to know how pervasive that spying would be.

Using a Reverse Mortgage for Access to Cash
Personal Finances

Vaccine Mandates, Inflation and Jobs - Part 3

A special series for the soon-to-be unemployed and those facing financial hardship


November 29, 2021 - Let's be clear here. There are less expensive ways to gain access to cash if you can qualify. For instance, a home equity loan. But most of the methods to gain access to cash reserves also require you to be employed or have some other source of income. That isn't the case with reverse mortgages. So if you need cash, don't want to sell your home and can qualify for a reverse mortgage, it may be your best option.

Guard My Credit Polls
#1 - Why did you visit our site today?
Guard My Credit Prefs
Refer site to Friend
Add to Favorites
Make Home Page
Most Read
.•*´¯☼ ♥ ♥ Your Support of These Links Is GREATLY Appreciated ♥ ♥ ☼¯´*•.
Go to top of page
Home | Contact Us |About Us | Privacy Policy
eXTReMe Tracker
01/16/2022 01:49:11