Archive for the ‘Betty Chan-Bauza’ Category

Credit scores determine how much we pay for mortgages, auto loans and credit cards. Now there are new types of scores that measure more than just our credit worthiness: They influence our reputation, employability and lifestyle.

Experian has a formula to gauge whether consumers will file for bankruptcy. Equifax tabulates a score on discretionary income. And Fair Isaac Co., which offers the FICO credit score, has unveiled a score that predicts whether you’ll take your meds.

How does this impact your identity?

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Betty Chan-Bauza,

Most people have done it—taken a time-out from surfing the Web to type their own names into the search engine. For many, the impulse is driven simply by curiosity. What results come back about me? But for savvy Internet users, the check-ups are a regular part of managing their online reputations.

The reasons to be vigilant are many. Just consider what everyone else is doing.
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By Betty Chan-Bauza,

For many of us who thought we had left cringe-worthy moments behind in middle school, social media has revived that old pit-of-the-stomach “What did I just do?” feeling.

That’s because, while we would never intentionally expose a friend to embarrassment, identity fraud, or worse, it’s shockingly easy to commit these five common online blunders: (more…)

By Betty Chan-Bauza,

For identity thieves, Christmas comes about three months earlier than it does for the rest of us.

September—that whirlwind season of back-to-school registration, dorm move-ins, and sports sign-ups—ushers in a sleighful of identity theft opportunities just waiting to be unwrapped. And it’s not just invincible first-time-away-from-home college freshmen who are at risk. Parents can expose kids to fraud without realizing it.

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By Betty Chan-Bauza,

Our economy is still struggling and consumers are looking for value—and quality—in everything they buy and every service they use. Identity theft protection services should be no exception.

PC World recently viable “free” identity theft options out there. But as we’ve heard it said before—nothing in life is truly free. Many of the companies mentioned do provide a bare-bones service. More often than not, these services are an enticement to buy higher-end products at full price.

They get your money, and they get your personally identifiable information (PII). In order to sign up for identity theft protection services, you have to hand over a lot of vital data about yourself. Do you really want to give this to a company you’ve never done business with before—especially one that’s offering you something for free?

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