850,000 Job Seekers May Have Been Exposed By Government Data Breach

Identity Theft

850,000 Job Seekers May Have Been Exposed By Government Data Breach

850,000 Job Seekers May Have Been Exposed By Government Data Breach

The Oregon Department of Employment has identified more than 850,000 Oregonians whose personal information may have been compromised by a security vulnerability in its job search database, WorkSource Oregon. Unemployed Oregonians register for the database, adding their names, addresses, Social Security numbers and other information often found on job applications as they seek work. The… Read More

Government Workers Go On Credit Card Spending Spree & You Get the Bill

Personal Finance

Government Workers Go On Credit Card Spending Spree & You Get the Bill

Government Workers Go On Credit Card Spending Spree & You Get the Bill

A lot of people have trouble keeping their credit card spending under control — ideally, those people aren’t government employees using taxpayer-funded payment cards. In a congressional hearing Tuesday, federal auditors described purchase-card misuse across several government departments, amounting to millions of dollars of misused or wasted government funds. It’s not the first time this problem… Read More

Why the Feds Need to Step In on Payday Loans

Personal Finance

Why the Feds Need to Step In on Payday Loans

Why the Feds Need to Step In on Payday Loans

The Pew Charitable Trusts recently released the fourth report in its series Payday Lending in America. The focus this time is on fraud and abuse in online lending. The report calls out payday loan structures that are designed to prolong indebtedness by front-loading fees on loans that average 650% APR. It also describes incidents of unauthorized withdrawals… Read More

Troubled Private Student Loan Borrowers Get Little Help, CFPB Says

Students

Troubled Private Student Loan Borrowers Get Little Help, CFPB Says

Troubled Private Student Loan Borrowers Get Little Help, CFPB Says

Borrowers stuck with oppressive private student loan debts continue to get little mercy from lenders, which is bad for both consumers and the financial institutions, according to a report issued Thursday by the Consumer Financial Protection Bureau. While distressed mortgage holders have several opportunities to appeal for lower monthly payments, and federal student loan borrowers… Read More

The States With the Highest Foreclosure Rates

Mortgages

The States With the Highest Foreclosure Rates

The States With the Highest Foreclosure Rates

U.S. foreclosure activity declined in September, reaching the lowest number of properties with a foreclosure filing since July 2006: 106,866. That’s down 9% from August and down 19% from last September, according to the monthly RealtyTrac foreclosure report, marking the 48th consecutive month of year-over-year declines in the foreclosure rate. September was also the final… Read More

A Free Retina Scan With Your Next Purchase?

Identity Theft

A Free Retina Scan With Your Next Purchase?

A Free Retina Scan With Your Next Purchase?

Increasingly, legions of sophisticated hackers are infiltrating the most state-of-the-art data security strategies out there. The recent data compromises at Kmart and JPMorgan are in no way similar, except they share a common enemy. And while free retina scanners are probably a stretch, biometrics – the use of your biological data like fingerprints — may… Read More

Should Grandparents Worry About Their Credit?

Credit Score

Should Grandparents Worry About Their Credit?

Should Grandparents Worry About Their Credit?

Older Americans may seem to have out-saved their need for a good credit score. They may be living comfortably in a paid-for house on a fixed income. They definitely don’t plan to finance any big purchases with credit. And perhaps they’ve heard stories about older people who were using credit to finance everyday purchases and they… Read More

4 Unconventional Homes You Can Buy & How to Do It

Mortgages

4 Unconventional Homes You Can Buy & How to Do It

4 Unconventional Homes You Can Buy & How to Do It

Looking to purchase real estate other than a traditional cookie-cutter single-family home? If you’ve ever been told you can’t get residential mortgage financing on a certain type of property, think again. As challenging as it may be to get a loan for an alternative property type, it can be done. 1. Manufactured Homes Considered to… Read More

7 Costly Credit Score Myths

Credit Score

7 Costly Credit Score Myths

7 Costly Credit Score Myths

Your credit score can make a huge difference in your finances, from helping you qualify for loans and low interest rates to accessing utility services and renting the home you want. As much as people want to have good credit scores, there’s a lot of confusion about how they work. The more you know about credit… Read More

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