Equifax Fraud Essay

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The Equifax Hack affected millions of Americans. Recently, an email was sent to me stating how my account was one of the millions.

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There's nothing new about bank and credit card companies offering various programs designed to help account owners. In fact, most companies will sign new individuals up for trials of these programs, whether or not they actually want to try it out. One of the biggest issues with this is that the consumer is expected to cancel the program if they don't like it. Until then, they get charged monthly for services, such as credit score trackers, identity theft programs, payment protection, and more. None of these services are a necessity for the average consumer, and most people don't realize that they can have $30 to $50 in service charges each month in their checking or credit card accounts. So then, here are five of these such services.

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The different types of depression are postpartum depression is when a mother that has giving birth get. Not all mothers, but some of them do. It’s also one called Seasonal affective disorder is a depression that sets in during winter and sometimes fall and that comes from the lack of sunlight. Psychotic depression is the depression that is paired with psychosis, like delusions and hallucinations. Most people that have depression may have bipolar disorder, which is called manic depression illness when having moods that are extremely high and lows. In the United States depression is one of the common mental health disorders. The National Institution of Health said that 15.7 million people in 2014 had at least one major depression stage. In the

Social classes have existed throughout all of history. The categorizing of slaves on American Plantations is often overlooked, but there were in fact many levels of slave classes. The use of a class system helped plantation owners to punish and reward their slaves as well as to keep their business organized.

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Equifax is one of the three major credit report agencies that collect credit worthiest, income, and demographic information on more than 800 million individuals consumers and more than 88 million business worldwide, has experienced another security breach after hackers stole data on more than 145 million people through an unpatched hole in Equifax software reported last month.

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federal laws to your advantage and how to beat the credit bureaus at their own games,

Throughout unit eight of the Financial Literacy lesson, Consumer Fraud, I learned multiple things. To begin, I learned about identity theft, the illegal use of somebody else’s personal information for your own financial gain. Identity theft can cause you many financial issues, which is why it's important to avoid it. You can do this by keeping your personal documents like, passports, Social Security Cards, and extra credit cards in a safe place at your home unless they’re essential. In addition, you should shred old, useless documents instead of throwing them away, and you should be careful when giving out personal information to people over the phone. You should consider checking your credit report monthly, because it can help you maintain