Help Protect Your Identity With a Free Credit Report Freeze

Financial Self Defense

Credit Freeze

Consumers no longer have to pay to use an important tool to help protect their identity. As of September 21, 2018, freezing your credit report at the three major credit reporting agencies is now free. Previously, a consumer had to pay a fee to freeze and unfreeze their credit report. The fees for placing, lifting, and removing a credit freeze …

Don’t Get Caught In A Free Trial Scam!

Financial Self Defense

Free Trial Scam

There’s hardly a “free trial” that won’t cost you big.  The FTC is warning of an uptick in free trial scams, which come in several shapes and sizes. Here are some of the most common free trial scams: Hidden fees In one such scam, a company aggressively advertised “free trials” for skin care products, dietary supplements and e-cigarettes on various …

Beware Tech Support Scams!

Financial Self Defense

Tech Support Scams

Tech support scams are some of the most nefarious forms of hacks. In these scams, fraudsters contact victims and trick them into granting the scammer access to their computers. The crooks may reach out to people through a phone call. They’ll insist that the victims have a virus or another problem they’ve somehow detected from the company’s headquarters. Or, they’ll …

Debit Card Safety

Financial Self Defense

Debit Card Safety

How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. Let’s explore when and how to use your debit card. Credit and debit: How are they different? Appearances aside, your credit and debit cards …

7 Ways To Spot A Loan Scam

Financial Self Defense

Loan Scam

Loan scams target people who are in dire straits and likely will do anything to get their hands on some cash. Once a loan scammer has snagged a victim, they will have the borrower fill out an “application” with sensitive and personal information. The scammer will use the victim’s information to hack their accounts. Arm yourself with knowledge and awareness. …

How Much Money Have You Spent Gaming Online?

Financial Self Defense

Mobile Games

How many hours do you spend gaming online? Or better yet, how much money have you spent gaming online? Have you spent money on (or within) a game that started out free? It happens all the time. Paying Customer How did you end up as a paying customer?  Many free games come with certain caveats. Like ads or in-app purchases. …

The Equifax Breach And What To Do Next

Financial Self Defense

Equifax Data Breach Logo

In the recent Equifax breach, an estimated 143 million Americans may have had their personal information exposed.  As the situation develops, there seems to be many more questions than answers. So what should you do in the meantime? 1.) Information about the breach While visiting the Equifax Security site, you’ll find easy access to Frequently Asked Questions about the breach …

All About EMV Chip Cards

Financial Self Defense

Man keying in debit card account number on his laptop

Are you a swiper or a dipper? Chances are, you have at least one EMV (Europay, Mastercard and Visa) chip-enabled card in your wallet. Here’s what you need to know about the new generation of cards. 1.) Increased protection against fraud The main reason behind the switch is to curb rampant credit card fraud in the U.S. Experts pin the …

How To Keep Your Guard Up Against The Newest Scams

Financial Self Defense

Very up close picture of a laptop keyboard with a button named "Scam"

It seems like there’s a new data leak or identity theft trick to be worried about every week. If you’re not informed, you risk becoming a victim. Sitting back and waiting for news about scams to come to you may not be enough. In an ever-changing security climate, you need to stay on top of new threats in personal information …

Avoiding The ‘Catfish’ And Other Heartless Scams – Financial Safety On Dating Sites

Financial Self Defense

Young woman holding up her laptop pretending to kiss the screen with heart icons shown over her head

Meeting new people is difficult for many adults. Fortunately, though, there’s the internet. Dating sites like eHarmony and Match.com make it easier than ever to find other people who are looking for the same thing you seek. Unfortunately, that same ease of connection makes online dating sites a haven for scammers. Using the information you provide, they can craft a …