Important Changes to Federal Law regarding Credit Freeze

Many states allow the big three bureaus — Equifax, Experian and TransUnion — to charge a fee for placing or lifting a security freeze. But thanks to a federal law enacted earlier this year, after Sept. 21, 2018 it will be free to freeze and unfreeze your credit file and those of your children or dependents… View Article

Credit Monitoring Reviews & Prices

Credit Monitoring Reviews & Prices There are a lot of ways to get your credit scores and credit reports and a lot of credit report monitoring services out there. The reality is that most of them are the same services repackaged by different companies.’s editors have researched and tried all of them. We’ve created… View Article

Consumer Technology Guide

This guide was published in The Bakersfield Californian in August of 2018, and includes articles pertaining to: Phishing, Digital footprints, Avoiding scams, etc. Consumer Technology Guide (PDF)

A Warning About Credit Report Websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free”… View Article

Newest Scam with Old Theme – Send $ to get $

There are many scammers who pretend to be government officials – from the IRS, Social Security, and even the Federal Trade Commission (FTC). The latest twist is an email from – supposedly – the Secretary of State. In the email, someone pretending to be Secretary Tillerson says you’re owed a payment – which he knows… View Article