Eduard Goodman Gravatar

Eduard Goodman

Contributor |  In Identity Theft

Eduard Goodman is the Chief Privacy Officer at Identity Theft 911—the nation’s premier identity management, fraud solutions and consumer education service. He blends a unique consumer and business perspective to resolve issues around privacy, fraud and identity management.

6 Tips for Safer Passwords

Identity Theft

6 Tips for Safer Passwords

6 Tips for Safer Passwords

The recent hack attack that compromised nearly 2 million Internet passwords worldwide highlights consumer vulnerability online—and the need for users to get more sophisticated when it comes to security. Hackers stole nearly 2 million website log-in credentials from Facebook, Gmail, Twitter and other sites, according to the cybersecurity firm Trustwave. One reason for the widespread... Read More

Another Reason to Hate Jury Duty: Identity Theft

Identity Theft

Another Reason to Hate Jury Duty: Identity Theft

Another Reason to Hate Jury Duty: Identity Theft

Upright citizens know it is their duty to report to jury service. However, scammers are taking advantage of this sense of civic responsibility in a new trend of identity theft schemes. U.S. District Judge David Herndon in Illinois is cautioning residents after there were reports of calls that seemingly come from local courthouses or law... Read More

Your Kids’ Identities Just Got Safer

Identity Theft

Your Kids’ Identities Just Got Safer

Your Kids’ Identities Just Got Safer

Privacy advocates – and parents – have a lot to celebrate. Last week, the updated Children’s Online Privacy Protection Act, or COPPA, went into effect — providing greater online privacy protections for children under the age of 13. The new law updates a decade-old law that couldn’t keep up with the era of smartphones and... Read More

Should You Think Twice About Facebook Gifts?

Identity Theft

Should You Think Twice About Facebook Gifts?

Should You Think Twice About Facebook Gifts?

Q: Facebook recently announced a new service, Facebook Gifts, that allows users to send Starbucks gift cards, Magnolia Bakery cupcakes, GUND teddy bears and other knickknacks for events like birthdays, job promotions and anniversaries. (The Palo Alto, Calif., social networking giant has plans to add more types of gifts every day.) Are there any risks... Read More

Google Wants to Get to Know You Better. Uh-Oh.

Identity Theft

Google Wants to Get to Know You Better. Uh-Oh.

Google Wants to Get to Know You Better. Uh-Oh.

In case you haven’t heard, Google wants to make life simpler by moving to one company-wide privacy policy. Yes, that’s right. The company that started out as a little search engine has grown into a behemoth that dabbles in everything from social networking to picture sharing to 3D modeling. And it plans to integrate information... Read More

What Facebook’s FTC Settlement Means for Businesses

Identity Theft

What Facebook’s FTC Settlement Means for Businesses

What Facebook’s FTC Settlement Means for Businesses

Whether you’re a Facebook user, a privacy wonk, or both, you’re likely aware of the social network’s settlement with the Federal Trade Commission, announced this week. Under terms of the settlement, Facebook must now get users’ permission before it changes the way their personal information is shared. The social network also agreed to submit to... Read More

What to Do When You Get a Data Breach Letter

Identity Theft

What to Do When You Get a Data Breach Letter

What to Do When You Get a Data Breach Letter

A day doesn’t go by when we don’t read news of a data breach at a major company, healthcare facility or financial institution. The breaches at Epsilon, Sony and now brokerage Morgan Stanley Smith Barney, are a good example. We asked Eduard Goodman, Identity Theft 911 chief privacy officer and an expert on international privacy... Read More

5 Reasons Obama’s Breach Policy Makes Me Grumpy

Identity Theft

5 Reasons Obama’s Breach Policy Makes Me Grumpy

5 Reasons Obama’s Breach Policy Makes Me Grumpy

We’ve been waiting for a federal data breach notification law for well over five years now. So when I read the White House’s proposed notification bill, I was disappointed to the point of being grumpy. The intention was for Congress to take federal action to unify the nation’s 50-plus different data breach notification laws and... Read More

Show Me More by Eduard Goodman

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team