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Is your child a victim of identity theft? We’re serious.

Right about now is the time when many of us are searching for scholarships and financial aid for our college-bound kids. Or maybe Junior is interviewing for his first job — or Muffy is buying her first car. In the middle of the paperwork, you might get a nasty surprise: your child’s credit report shows unpaid bills and a loan default. What? My child’s credit report? Children and young teens aren’t even legally able to open credit accounts on their own; you wouldn’t expect them to have a credit report. So what happened? Most likely, it’s identity theft.

A child's Social Security number can be used by identity thieves to apply for government benefits and tax refunds, open bank and credit card accounts, apply for a loan or utility service, or rent a place to live. The best way to know if your child’s information is being misused is to check for a credit report. Even if you don’t suspect identity theft, it’s a good idea to see if there is a credit file on your child. Do a check at their 16th birthday. And if needed, take action immediately.

Blog Topics: 
Privacy & Identity

Sueños postergados

Cuando Langston Hughes escribió sobre un sueño postergado (y se preguntó si este se seca como una pasa al sol), no necesariamente estaba pensando en estafas. Sin embargo, los sueños de inmigración de muchos hispanohablantes quedaron postergados (sino acabados) y su dinero terminó en los bolsillos de una pareja con base en Baltimore que les prometió ayuda con servicios de inmigración.

Blog Topics: 
Dinero y crédito

Dreams Deferred

When Langston Hughes wrote about a dream deferred (and asked whether it dries up like a raisin in the sun), he wasn’t necessarily thinking of scams. But many Spanish speakers found their immigration dreams deferred (if not ended) and their money taken by a Baltimore-based couple who promised help with immigration services.

Blog Topics: 
Money & Credit

Dreams Deferred

When Langston Hughes wrote about a dream deferred (and asked whether it dries up like a raisin in the sun), he wasn’t necessarily thinking of scams. But many Spanish speakers found their immigration dreams deferred (if not ended) and their money taken by a Baltimore-based couple who promised help with immigration services.

Blog Topics: 
Money & Credit

Dreams Deferred

When Langston Hughes wrote about a dream deferred (and asked whether it dries up like a raisin in the sun), he wasn’t necessarily thinking of scams. But many Spanish speakers found their immigration dreams deferred (if not ended) and their money taken by a Baltimore-based couple who promised help with immigration services.

Blog Topics: 
Money & Credit

Now’s the time to start a savings plan

April is financial literacy month, and what a better way to celebrate than starting a savings plan.

Blog Topics: 
Money & Credit

Now’s the time to start a savings plan

April is financial literacy month, and what a better way to celebrate than starting a savings plan.

Blog Topics: 
Money & Credit

Now’s the time to start a savings plan

April is financial literacy month, and what a better way to celebrate than starting a savings plan.

Blog Topics: 
Money & Credit

Now’s the time to start a savings plan

April is financial literacy month, and what a better way to celebrate than starting a savings plan.

Blog Topics: 
Money & Credit

“Pending FTC complaint” emails are fakes

Have you gotten an email with the subject line “Pending consumer complaint” that looks like it came from the FTC? The email warns that a complaint against you has been filed with the FTC. It asks you to click on a link or attachment for more information or to contact the FTC.

These emails pull out all the stops to look official: They have an FTC seal, references to the “Consumer Credit Protection Act (CCPA)” and a “formal investigation,” and what look like real FTC links. The truth is that they’re fakes.

Blog Topics: 
Privacy & Identity

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