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A stolen identity can turn every aspect of your life into a tremendous struggle as you try to get your life back from unethical scammers. Taking someone’s identity is much easier than restoring your good name, so let’s examine the hidden costs of identity theft. These include missed job opportunities, higher insurance rates, and the…

Your credit report is the key that unlocks the door to various financial benefits, such as loans, insurance rates, and more. When there has been a reporting mistake or credit reporting agencies do not properly handle your information, you may be able to file a lawsuit under the Federal Credit Reporting Act (FCRA). However, it…

It is important to protect the health and safety of your credit, as it can make a considerable difference in your financial options. When credit reporting agencies make mistakes on your credit report, it can have a negative or even damaging impact. You will need to report the error as quickly as possible so that…

Cybercrime is on the rise globally. Data breaches are affecting greater numbers of people as more private data is stored in the digital realm and becomes vulnerable to hackers. Data breaches often involve personal identifiable information that can be used to harm those whose data was compromised.  Despite rapid growth and development in the cybersecurity…

A mixed file error on your credit report means that your credit report contains information that belongs to somebody else. Mixed file errors can occur by mistake or by fraud. They can negatively impact a credit report, which can result in denials of credit, housing, and employment.  The Fair Credit Reporting Act (FCRA) requires credit…