If you’re applying for a job or trying to rent an apartment, the employer or landlord might conduct a background check. They may hire a company to provide information like your employment history, your driving record, any criminal records, and your credit report. The information in the background report could make the difference in whether you get the job or apartment, so it’s important it be accurate.
Two companies that each made millions of dollars selling background reports, but didn’t take reasonable steps to make the reports completely accurate, recently settled Federal Trade Commission charges that they violated the Fair Credit Reporting Act and FTC Act.
If you’re in the market for a new or used car, you may be considering financing options. For example, you might get a loan from a bank or use dealership financing. In either case, you’ll have to sign a contract that specifies the terms, including how much money you owe and what your payments are.
If you’re a college student seeking financial aid, fill out the Free Application for Federal Student Aid (FAFSA) as soon as you can. Yes, I know, the deadline for submitting the FAFSA is June 30th, but many states and schools allocate funds on a first-come, first-served basis. What’s more, some states have deadlines for filing the FAFSA to be eligible for certain kinds of aid.
“Hereby you are notified that you have been scheduled to appear for your hearing that will take place in the court of Tallahassee in April 02, 2014 at 09:00 am.” Signed, the Clerk to the Court.
Sound official? Like the fake funeral notices we wrote about recently, emails like this have been going around trying to convince concerned — or curious — people to click on the supposed “court notice.”
A long time ago, in a galaxy far, far away, people used phones primarily to call each other. Strange, huh?
Today, in this galaxy, many of us depend on our phones to take care of everyday tasks like waking up on time, keeping track of our calories, and sharing photos and updates. Need movie tickets? Tap, tap, and done. Want to track your credit history and get free credit scores? Yep, you can do that, too.
Unfortunately, according to the FTC, apps don’t always secure the information they send and receive, and that could lead to serious problems for users. Two companies the FTC is focusing on today: Fandango and Credit Karma. The FTC says these popular services didn’t properly secure information sent through their apps — including credit card numbers (Fandango) and Social Security numbers (Credit Karma).
An app that does not validate its security certificate leaves users vulnerable to “man in the middle” attacks.
Planning a funeral can be challenging, whether you’re making arrangements ahead of time, or helping others at a time of need. The Funeral Rule, enforced by the FTC, gives you rights that can make planning a funeral more satisfactory. We recently updated our information for consumers about funeral planning.