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LifeLock Review – Protecting Your Identity

LifeLock is the most recognizable identity theft protection company. But does it work, and is it worth the cost? Our LifeLock review has the answers. LifeLock Identity Theft Kevin Mercadante's rating 9.5 Security Features 9.5 Program Cost 9.0 ...
Tags: Google, Personal Finance, Microsoft, Marketing, Samsung, Customer Service, Bank, LifeLock, Credit Karma, Norton, U S Postal Service, Standard, Equifax, Tempe Arizona, TransUnion, Advantage


Big List of Free Consumer Data Reports (1/2): See Your Confidential Credit, Banking, and Payday Lending Data

All info double-checked and updated for 2019. Since these are available every 12 months, it is a good idea to check these near or around the same time each year. A lot of companies make their money by collecting and selling data – your personal data. In the past, it was often difficult if not impossible to see what they were telling prospective lenders, landlords, even employers about you. Under the FCRA and/or FACT Acts, many consumer reporting agencies (CRAs) are now legally required to ...
Tags: Real Estate, Free, Wikipedia, Marketing, Insurance, Banking, LexisNexis, Ftc, TransUnion, FCRA, Newyear, Credit Related Experian Equifax, SageStream LLC, Payment Reporting Builds Credit PRBC Microbilt, United States Free, ChexSystems


MissionOG taps Saunders as senior adviser

Philadelphia-based MissionOG, a B2B high-growth venture firm, has named Ted Saunders as a senior adviser. Currently, Saunders is chairman and CEO of Community Choice Financial. PRESS RELEASE PHILADELPHIA (PRWEB) DECEMBER 13, 2018 MissionOG, a leading B2B high-growth investment firm, announced today that it has expanded its leadership team with the addition of Ted Saunders as a senior advisor. With the addition of Mr. Saunders, MissionOG further broadens its experience within the targeted investm...
Tags: Trends, People, Philadelphia, Saunders, TransUnion, PRWEB, Gene Lockhart, FactorTrust, Community Choice Financial, Ted Saunders, Community Choice Financial PRESS, Checksmart Financial Before, Conn 's Inc


Bad Consumer Security Advice

There are lots of articles about there telling people how to better secure their computers and online accounts. While I agree with some of it, this article contains some particularly bad advice: 1. Never, ever, ever use public (unsecured) Wi-Fi such as the Wi-Fi in a café, hotel or airport. To remain anonymous and secure on the Internet, invest in a Virtual Private Network account, but remember, the bad guys are very smart, so by the time this column runs, they may have figured out a way to hac...
Tags: Usps, Social Security, Brian Krebs, Social Security Administration, Irs, SSA, Bruce Schneier, TransUnion, Equifax Experian, Security Awareness, Security Education


An In-Depth Look At Business Credit

When you think of credit scores, the first thing that comes to mind is a personal credit score. Many have no clue about business credit scores, including how to establish one, how to access their individual business score, and the impact these scores have on their businesses. A recent report showed 72% of small business owners have no information regarding their scores, and another 60% don’t know where to find any. Lenders usually consider your creditworthiness after you apply for either a pers...
Tags: Startups, Irs, Others, LLC, Experian Equifax, Dun Bradstreet, TransUnion, Business Credit


Prosper to Launch ‘Digital HELOC’ in 2019

On the heels of a host of new equity-tapping products coming into the market, San Francisco-based peer-to-peer lending firm Prosper has announced the launch of a digital Home Equity Line of Credit (HELOC) offering to be launched in 2019. Aiming to simplify a notoriously difficult and prolonged application process that often leads to consumer frustration, Prosper says it is attempting to respond to an increasing trend of consumers looking to access lines of credit based on increasing home valu...
Tags: News, Finance, San Francisco, TransUnion, Reverse Mortgage, David Kimball, HELOC


Millennials, Gen Z Love Banking Brands That Champion Financial Wellness

Millennials and Gen Z consumers will reward financial institutions that help them actively avoid the pitfalls of credit with greater loyalty. The post Millennials, Gen Z Love Banking Brands That Champion Financial Wellness appeared first on The Financial Brand.
Tags: Finance, Millennials, Gen Y, TransUnion, Gen Z, Segmentation Strategies


Credit Karma acquires Noddle from TransUnion and expands to the UK

Credit Karma, the US startup with 85 million users that offers credit reports and a platform to browse and buy other financial services, has made an acquisition to help it kick-start its first overseas expansion beyond the US and Canada: it has acquired Noddle, a UK-based credit reporting service with 4 million users, from TransUnion. Financial terms of the deal are not being disclosed, but Valerie Wagoner, Credit Karma’s VP of International (who had previously been at Twitter), said that it wil...
Tags: TC, Twitter, UK, US, Tech, Canada, United Kingdom, Credit Karma, Equifax, Wagoner, TransUnion, Callcredit, John Danaher, Noddle, TransUnion Financial, Valerie Wagoner Credit Karma s VP of International


Equifax Extends Free Credit Monitoring -- But Outsources It To Experian (slashdot)

An anonymous reader quotes Krebs on Security: A year after offering free credit monitoring to all Americans on account of its massive data breach that exposed the personal information of nearly 148 million people, Equifax now says it has chosen to extend the offer by turning to a credit monitoring service offered by a top competitor -- Experian. And to do that, it will soon be sharing with Experian contact information that affected consumers gave to Equifax in order to sign up for the service......
Tags: News, Experian, Experian Equifax, Equifax, Krebs, TransUnion, EditorDavid, TrustedID, TrustedID Premier Equifax


Equifax Extends Free Credit Monitoring -- But Outsources It To Experian

An anonymous reader quotes Krebs on Security: A year after offering free credit monitoring to all Americans on account of its massive data breach that exposed the personal information of nearly 148 million people, Equifax now says it has chosen to extend the offer by turning to a credit monitoring service offered by a top competitor -- Experian. And to do that, it will soon be sharing with Experian contact information that affected consumers gave to Equifax in order to sign up for the service......
Tags: Tech, Experian, Experian Equifax, Equifax, Krebs, TransUnion, TrustedID, TrustedID Premier Equifax


The Best Free Credit Score Apps

Your credit score determines the interest rate that lenders charge you for debt (and whether you can secure a loan at all). That means your credit score affects everything major you buy—your car, your house, and even your education. It makes sense not only to track your credit score but also take the necessary steps to improve it. These apps will help you do both. Will Checking My Credit Score Impact My Credit Score? No. Checking your credit score is usually a “soft request” or a “soft pull,”...
Tags: Crafts, Credit Karma, Equifax, TransUnion, VantageScore, Credit Score Impact My Credit Score


Another Massive Credit Reporting Database Breached By Criminals (techdirt)

Lots of companies like gathering lots of data. Many do this without explicit permission from the people they're collecting from. They sell this info to others. They collect and collect and collect and it's not until there's a problem that many people seem to feel the collection itself is a problem. The Equifax breach is a perfectly illustrative case. Lenders wanted a service that could rate borrowers quickly to determine their trustworthiness. This required a massive amount of data to be collec...
Tags: Google, News, US, Chicago, United States, Social Security, Postal Service, Forbes, Tony, Permalink, Tim Cushing, Equifax, TransUnion, Da Boss, Berkland


TransUnion: Home Equity Borrowing Poised to Skyrocket

With home equity continuing to increase and a need for more debt consolidation tools, home equity lending is poised for strong growth in the coming years, a new TransUnion study revealed today. To make the most of this growth lenders must understand specific consumers’ needs to tailor their messages, the study “Emerging Opportunities in Home Equity Lending” emphasized. The study offered detail on the rising home equity numbers, pointing out that levels are approaching $15 trillion after hovering...
Tags: News, Retirement, Finance, TransUnion, Mellman, Reverse Mortgage, Joe Mellman


You Can Improve Your Credit With Credit – But Be Careful

Sometimes, the only way to improve your credit is to get a new credit card and use it responsibly. Yet, one of the worst things you can do when you have bad credit is apply for more credit cards. However, there is some debt you shouldn’t let get out of hand. Like credit card debt. The average American family has over $15,500 in credit card debts. Runaway credit card debt can have lasting consequences that will affect your family’s financial security in the long run. It could, potentially, make...
Tags: Marketing, Credit, Experian Equifax, TransUnion, Finances & Money, Improving Credit, Credit Score Rehab Takes Time Save


Back-to-Business Basics: Get a Great Start on the Upcoming Year

By Steve Cohen When autumn rolls around it marks a new beginning as kids make their way back to school. This time of year is also one of the best times to get back to business basics and prepare for success in the upcoming year. To help you, I worked with my team at Excelsior Growth Fund to put together this list of essential business items that you should review. Each of these is critical to small business success and updating and improving them today means that when 2019 rolls around, you’ll b...
Tags: Business, Money, Credit Karma, Right Now, Steve Cohen, Equifax, TransUnion, Excelsior Growth Fund


Free credit freezes help with ID theft, but tax fraud prevention requires more

Is there anyone anywhere who hasn't been a potential identity theft victim? Probably not. Even if the crooks haven't stolen your identity — yet — there's still the possibility if some holder of any of your personal information has been hacked. And that happens every day. The biggies get the most attention, like last year when cyber criminals got hold of Equifax credit bureau data, putting almost 146 million identities at risk. And no one is safe. Just last week, the federal government again fel...
Tags: Taxes, State Department, Irs, Federal Trade Commission, Ftc, Don, Equifax, TransUnion, Equifax Experian, IRS FTC


Free credit freezes help with ID theft, but tax fraud prevention requires more

Is there anyone anywhere who hasn't been a potential identity theft victim? Probably not. Even if the crooks haven't stolen your identity — yet — there's still the possibility if some holder of any of your personal information has been hacked. And that happens every day. The biggies get the most attention, like last year when cyber criminals got hold of Equifax credit bureau data, putting almost 146 million identities at risk. And no one is safe. Just last week, the federal government again fel...
Tags: Marketing, State Department, Irs, Federal Trade Commission, Ftc, Don, Equifax, TransUnion, Equifax Experian, IRS FTC


7 Easy Money Moves You Can Make Today

Today I want to lay out a few simple money moves you can make to improve your finances.  Each one is very different, but all will help you move forward financially. My encouragement to you would be to not just read the list and say to yourself “those are good ideas, I should do that,” but rather to take action today! Each one is simple enough that you can take the 1st step in just a few minutes.   1. List your place on Airbnb when you go out of town This really isn’t as scary as it might seem...
Tags: Religion, Airbnb, Save Money, Make Money, TransUnion, No-thumb, B, Money Moves, Equifax Check


Big List of Ways To Protect Your Credit: Free Credit Monitoring, Credit Locks, Fraud Alerts, and Credit Freezes (Updated 2018)

Updated. After the 2017 Equifax hack that affected half of all Americans, there was renewed interest in the various ways you can monitor and/or protect your credit report. Below is a summary of the options available. Free credit freezes mandated by 9/21/18, some available now. By law, all three credit bureaus must offer free online credit report freezes (and thaws) to consumers by Friday, September 21st, 2018. TransUnion and Equifax actually have this live already (see below), while Exper...
Tags: Credit Cards, Marketing, Experian, LexisNexis, Ftc, Equifax, TransUnion, Equifax Experian TransUnion, CreditKarma, Deals & Offers, ChexSystems, ChexSystems TeleCheck, Fraud Alert, TransUnion Fraud Alert, Equifax Fraud Alert, TransUnion Freeze


Credit Freeze: A Misunderstood Freebie That You Actually Want

(TNS)—Just one year ago, consumers woke up and discovered that hackers had one heck of a field day with their Social Security numbers and other information in a massive data breach at Equifax. Equifax’s screw-up would forever leave millions just that much more vulnerable to ID theft. Face it: It’s not like you can change the locks on the side door. Once hacked, your Social Security number is out there indefinitely. Beginning September 21, though, a new federal law will help consumers stop intrud...
Tags: Personal Finance, News, Boston, Radio, Social Security, Identity Theft, Federal Trade Commission, Ftc, Latest News, Ann Arbor, Detroit Free Press, Florian Schaub, Wu, Schaub, Matt Schulz, Consumer


Very Good Security makes data ‘unhackable’ with $8.5M from Andreessen

“You can’t hack what isn’t there,” Very Good Security co-founder Mahmoud Abdelkader tells me. His startup assumes the liability of storing sensitive data for other companies, substituting dummy credit card or Social Security numbers for the real ones. Then when the data needs to be moved or operated on, VGS injects the original info without clients having to change their code. It’s essentially a data bank that allows businesses to stop storing confidential info under their unsecured mattress. Or...
Tags: Security, Fundings & Exits, Startups, Y Combinator, Enterprise, Developer, Funding, Tech, Paypal, Hack, Andreessen, Social Security, Un, Andreessen Horowitz, Max Levchin, Amazon Web Services


Free credit freezes: Is it time to rethink your protection?

Credit freezes and unfreezes with the three major credit bureaus — Equifax, Experian and TransUnion — will be free for everyone by federal law starting Sept. 21. Fraud alerts, which always have been free, will be extended from 90 days to a year.            [Author: NerdWallet]
Tags: News, Nerdwallet, TransUnion, Equifax Experian


How this woman went from a Pizza Hut employee to a founder of a $4 billion startup

When Nichole Mustard found herself adrift after college, she made a simple promise to herself: Be happy. Time and again, that choice led her to revamp her life and start over someplace new. Ten years ago, it led her to sell her house, take a 60% pay cut, and move her family across the country to found Credit Karma, a startup that today employs 800 people and is valued at $4 billion. But it almost fell apart months after she risked it all.  Nichole Mustard isn't your classic Silicon Valley te...
Tags: Amazon, California, La, Stanford, Boston, Virginia, Time, Los Angeles, San Francisco, Trends, United States, Reddit, Pizza Hut, Silicon Valley, Kmart, Fedex


Even Financial raises $18.8 million Series A from GreatPoint Ventures, Goldman Sachs and others

Even Financial, a fintech startup that connects the disparate entities of the financial services industry, recently raised a $18.8 million Series A round led by GreatPoint Ventures with participation from Goldman Sachs, Canaan Partners, F-Prime Capital, Lerer Hippeau and others. The close of its Series A comes on the heels of a $3 million investment from American Express Ventures, Plug & Play and Arab Angels in February. “The round is notable because it signifies the buy-in we’re seeing from the...
Tags: Startups, American Express, Marcus, Rosen, Penny Hoarder, TransUnion, Lerer Hippeau, GreatPoint Ventures, Phillip Rosen, GreatPoint Ventures Goldman Sachs, Goldman Sachs Canaan Partners F Prime Capital, American Express Ventures Plug Play, Arab Angels, Prosper Lending Club, Goldman Sachs Eden


How this woman went from a Pizza Hut employee to founder of $4 billion startup

When Nichole Mustard found herself adrift after college, she made a simple promise to herself: "be happy." Time and again that choice led her to revamp her life and start over someplace new. Ten years ago, it led her to sell her house, take a 60% pay cut and move her family across the country to found Credit Karma – a startup that today employs 800 people and is valued at $4 billion. But it almost fell apart months after she risked it all. Nichole Mustard isn't your classic Silicon Valley te...
Tags: Amazon, California, La, Stanford, Boston, Virginia, Time, Los Angeles, San Francisco, Trends, United States, Reddit, Pizza Hut, Silicon Valley, Kmart, Fedex


5 Mistakes That Young Business Owners Have To Avoid When Applying For A Loan

Even if you have an idea that can change the world, there comes a time when you need money for that idea to come to life. This is when most entrepreneurs decide to take a business loan and try their luck. After all, who dares, wins. And as the approval rates for loans are steadily increasing, more and more business owners choose to take this step in order to get an infusion of capital and get their business off the ground. However, even though now it is easier to take out a loan than ever befor...
Tags: Startups, Social Security, Others, Experian Equifax, TransUnion, Business Advice, Business Loans, Raising Funds


Andrews Federal Credit Union CD Specials: 9-Month CD at 2.75% APY

Andrews Federal Credit Union has a few share certificate specials that may be of interest. Thanks to reader GS for the tip. 9-month CD at 2.75% APY 55-month CD at 3.05% APY 17-month CD at 2.25% APY 30-month CD at 2.55% APY All special share certificates have a $1,000 minimum opening deposit. If you previously got in on their 84-month CD at 3% APY back in January 2017, getting another CD from them would avoid a hard credit inquiry (TransUnion for me) and another credit union membership appli...
Tags: Marketing, Andrews Federal Credit Union, TransUnion, Deals & Offers, Andrews Federal Credit Union Application


Credit Bureau Blues

Like many of you, I had an incredibly frustrating experience with a credit agency today. It was TransUnion but I’ve had equally frustrating experiences with Equifax and others since locking down our credit information in the wake of the Equifax data breach last fall. What is particularly galling about this place we all find ourselves in is that none of us chose to be customers of these credit bureaus. They simply collected the info on us from third parties, built up credit info on us, which they...
Tags: Trends, Equifax, TransUnion, Albert Wenger, Hacking Finance, Credit Bureau Blues


Everything You Wanted to Know About Credit (But Were Petrified to Ask)

Another Guest Post from Sean Cooper. Yeh, I am getting kind of slack on my rules. Unless you’re filthy rich and you can afford to buy your home in cash, maintaining a good credit score is important. Not only does your credit score help you qualify for a mortgage, it can help you obtain the best mortgage rate, saving you thousands of dollars in interest over the life of your mortgage. If your credit score isn’t the greatest, you could pay a higher mortgage rate, or your application could be de...
Tags: Marketing, Credit, Sean, Equifax, TransUnion, Sean Cooper, Sean Cooper Yeh, Number of Credit Inquiries When, Credit History Length You, Credit Having


The 17 Financial Tools I Use

I often get asked what credit cards I recommend, or budgeting software, or how I invest. So, I decided to put it all in one place for your convenience and give you a peek inside my wallet as well! Listed from left to right: My Saddleback wallet – love that thing A well worn photo of the love of my life My TN driver’s license My debit card that I never use (only as a backup) Chase Sapphire Preferred (details below) Medi-Share insurance card (details below) Chase Ink Business Preferred (deta...
Tags: Religion, Warren Buffett, Saddleback, Credit Karma, Vanguard, Linda, TransUnion, No-thumb, Financial Help, B, Chase Ink Business Preferred, Chase Business Unlimited, Equifax Check