Beacon formed part of Facebook's advertisement system that sent data from external websites to Facebook, for the purpose of allowing targeted advertisements and allowing users to share their activities with their friends. Beacon would report to Facebook on its members' activities on third-party sites that also participate with Beacon. These activities would be published to users' news feed. This would occur even when users were not connected to Facebook and would happen without the knowledge of the Facebook user. One of the main concerns was that Beacon did not give the user the option to block the information from being sent to Facebook. Beacon was launched on November 6, 2007 with 44 partner websites. The controversial service, which became the target of a class-action lawsuit, was shut down in September 2009. Mark Zuckerberg, CEO of Facebook, characterized Beacon on the Facebook Blog in November 2011 as a "mistake". Although Beacon was unsuccessful, it did pave the way for Facebook Connect, which has become widely popular.
Equifax Inc. is a consumer credit reporting agency in the United States, considered one of the three largest American credit agencies along with Experian and TransUnion. Founded in 1899, Equifax is the oldest of the three agencies and gathers and maintains information on over 400 million credit holders worldwide. Based in Atlanta, Georgia, Equifax is a global service provider with US $2.3 billion in annual revenue and 7,000+ employees in 14 countries. Equifax is listed on the NYSE.
History
Equifax was founded in Atlanta, GA, as Retail Credit Company in 1899. The company grew quickly and by 1920 had offices throughout the US and Canada. By the 1960s, Retail Credit Company was one of the nation's largest credit bureaus, holding files on millions of American and Canadian citizens. Even though they still did credit reporting the majority of their business was making reports to insurance companies when people applied for new insurance policies including life, auto, fire and medical insurance. All of the major insurance companies used RCC to get information on health, habits, morals, use of vehicles and finances. They also investigated insurance claims and made employment reports when people were seeking new jobs. Most of the credit work was then being done by a subsidiary, Retailers Commercial Agency.
A block of the periodic table of elements is a set of adjacent groups. The term appears to have been first used by Charles Janet. The respective highest-energy electrons in each element in a block belong to the same atomic orbital type. Each block is named after its characteristic orbital; thus, the blocks are:
The block names (s, p, d, f and g) are derived from the spectroscopic notation for the associated atomic orbitals: sharp, principal, diffuse and fundamental, and then g which follows f in the alphabet.
The following is the order for filling the "subshell" orbitals, according to the Aufbau principle, which also gives the linear order of the "blocks" (as atomic number increases) in the periodic table:
For discussion of the nature of why the energies of the blocks naturally appear in this order in complex atoms, see atomic orbital and electron configuration.
The "periodic" nature of the filling of orbitals, as well as emergence of the s, p, d and f "blocks" is more obvious, if this order of filling is given in matrix form, with increasing principal quantum numbers starting the new rows ("periods") in the matrix. Then, each subshell (composed of the first two quantum numbers) is repeated as many times as required for each pair of electrons it may contain. The result is a compressed periodic table, with each entry representing two successive elements:
Prior to working on The Elder Scrolls series, Bethesda had worked predominantly with sports and action games. In the six years from its founding to Arena's 1994 release, Bethesda had released ten games, six of them sports games, with such titles as Hockey League Simulator, NCAA Basketball: Road to the Final Four ('91/'92 Edition), and Wayne Gretzky Hockey, and the remaining four adaptations from other media, primarily the Terminator series. Bethesda's
course changed abruptly when it began its first action role-playing venture. Designer Ted Peterson recalls: "I remember talking to the guys at Sir-Tech who were doing Wizardry VII: Crusaders of the Dark Savant at the time, and them literally laughing at us for thinking we could do it." Ted Peterson worked alongside Vijay Lakshman as one of the initial designers of what was then simply Arena, a "medieval-style gladiator game."
Block is an Australian term for a small agricultural landholding. Block settlement has been used by Governments to encourage decentralization and during financial depressions to give families of unemployed workers an opportunity (frequently illusory) to become primary producers. It may also refer to a lifestyle choice or "hobby farm" for those with an independent source of income.
In parts of Australia, parcels of land of around 6 to 20 acres (2 to 8ha) were allocated by Government to working-class men at nominal rent during the depression of the 1890s with the object of giving them work and, potentially, a source of income. Some eventually prospered, but those on marginal land were doomed to failure. Proponents of the "block system" included George Witherage Cotton. Holders of such allotments were referred to as "blockers" or "blockies".
John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
Connect with Last Week Tonight online...
Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight
Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight
Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight
Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
published: 16 Oct 2017
Equifax, TransUnion, Credit Karma, Borrowell: Should you trust your credit score? (Marketplace)
It's easier than ever to check your credit score online but is there a catch? We ask three people to check their scores on Credit Karma, TransUnion, Equifax, and Borrowell. The results might surprise you.
»»» Subscribe to CBC News to watch more videos: http://bit.ly/1RreYWS
Connect with CBC News Online:
For breaking news, video, audio and in-depth coverage: http://bit.ly/1Z0m6iX
Find CBC News on Facebook: http://bit.ly/1WjG36m
Follow CBC News on Twitter: http://bit.ly/1sA5P9H
For breaking news on Twitter: http://bit.ly/1WjDyks
Follow CBC News on Instagram: http://bit.ly/1Z0iE7O
Download the CBC News app for iOS: http://apple.co/25mpsUz
Download the CBC News app for Android: http://bit.ly/1XxuozZ
»»»»»»»»»»»»»»»»»»
For more than 75 years, CBC News has been the source Canadians turn...
published: 12 Oct 2019
Which credit bureau has the highest score? Lowest credit scores? Equifax? TransUnion? Experian?
Do you know? [Click "See More" for Advertiser Disclosure]
You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved):
.
- CardMatch™: https://rebrand.ly/p70ubk
- Cash Back Credit Cards: https://rebrand.ly/8tz84x
- Travel Rewards Credit Cards: https://rebrand.ly/27jk4y
- Credit Cards For Good Credit: https://rebrand.ly/yi47oz
- Credit Cards for Fair Credit: https://rebrand.ly/956h4w
- Or, use our Amazon.com link: https://amzn.to/2PpQWoB
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to inc...
published: 05 Aug 2020
A Quick Guide to Your Equifax Credit Report and Equifax Credit Score
Your Equifax Credit Report contains information that gets reported to Equifax by lenders and creditors. It also contains public record information, personal information, and collections agency information.
Your Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.
Find more information on "Equifax Credit Reports and Equifax Credit Scores" at: https://www.equifax.com/personal/education
Read more about Credit Education at: https://www.equifax.com/personal/education/
published: 06 Jun 2017
The great hack: A famous fraudster explains the Equifax data breach | Frank Abagnale
New videos DAILY: https://bigth.ink
Join Big Think Edge for exclusive video lessons from top thinkers and doers: https://bigth.ink/Edge
----------------------------------------------------------------------------------
Legendary con-man-turned-FBI-consultant Frank W. Abagnale breaks down the 2017 Equifax data breach.Hackers were able to access the personal data of millions of Americans through faulty software — and they might wait years before using the stolen social security numbers and dates of birth.Abagnale blames Equifax for this oversight. If a company is entrusted with an individual's personal data they need to do a better job of protecting it. "Hackers don't cause breaches, people do," he says.
----------------------------------------------------------------------------------
...
published: 19 Oct 2019
Interesting History about Equifax
This video contains some very interesting facts about Equifax and how they affect your personal and business matters.
published: 15 Jun 2016
Which Credit Report is More Important: Equifax, Experian or TransUnion
As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your personal finances.
However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.
Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.
If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.
The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.
It could be Equifax, Experian or TransUnion – or perhaps...
John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
Connect with Las...
John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
Connect with Last Week Tonight online...
Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight
Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight
Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight
Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
Connect with Last Week Tonight online...
Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight
Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight
Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight
Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
It's easier than ever to check your credit score online but is there a catch? We ask three people to check their scores on Credit Karma, TransUnion, Equifax, ...
It's easier than ever to check your credit score online but is there a catch? We ask three people to check their scores on Credit Karma, TransUnion, Equifax, and Borrowell. The results might surprise you.
»»» Subscribe to CBC News to watch more videos: http://bit.ly/1RreYWS
Connect with CBC News Online:
For breaking news, video, audio and in-depth coverage: http://bit.ly/1Z0m6iX
Find CBC News on Facebook: http://bit.ly/1WjG36m
Follow CBC News on Twitter: http://bit.ly/1sA5P9H
For breaking news on Twitter: http://bit.ly/1WjDyks
Follow CBC News on Instagram: http://bit.ly/1Z0iE7O
Download the CBC News app for iOS: http://apple.co/25mpsUz
Download the CBC News app for Android: http://bit.ly/1XxuozZ
»»»»»»»»»»»»»»»»»»
For more than 75 years, CBC News has been the source Canadians turn to, to keep them informed about their communities, their country and their world. Through regional and national programming on multiple platforms, including CBC Television, CBC News Network, CBC Radio, CBCNews.ca, mobile and on-demand, CBC News and its internationally recognized team of award-winning journalists deliver the breaking stories, the issues, the analyses and the personalities that matter to Canadians.
It's easier than ever to check your credit score online but is there a catch? We ask three people to check their scores on Credit Karma, TransUnion, Equifax, and Borrowell. The results might surprise you.
»»» Subscribe to CBC News to watch more videos: http://bit.ly/1RreYWS
Connect with CBC News Online:
For breaking news, video, audio and in-depth coverage: http://bit.ly/1Z0m6iX
Find CBC News on Facebook: http://bit.ly/1WjG36m
Follow CBC News on Twitter: http://bit.ly/1sA5P9H
For breaking news on Twitter: http://bit.ly/1WjDyks
Follow CBC News on Instagram: http://bit.ly/1Z0iE7O
Download the CBC News app for iOS: http://apple.co/25mpsUz
Download the CBC News app for Android: http://bit.ly/1XxuozZ
»»»»»»»»»»»»»»»»»»
For more than 75 years, CBC News has been the source Canadians turn to, to keep them informed about their communities, their country and their world. Through regional and national programming on multiple platforms, including CBC Television, CBC News Network, CBC Radio, CBCNews.ca, mobile and on-demand, CBC News and its internationally recognized team of award-winning journalists deliver the breaking stories, the issues, the analyses and the personalities that matter to Canadians.
Do you know? [Click "See More" for Advertiser Disclosure]
You can support our channel by choosing your next credit card via one of the links below (in other wor...
Do you know? [Click "See More" for Advertiser Disclosure]
You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved):
.
- CardMatch™: https://rebrand.ly/p70ubk
- Cash Back Credit Cards: https://rebrand.ly/8tz84x
- Travel Rewards Credit Cards: https://rebrand.ly/27jk4y
- Credit Cards For Good Credit: https://rebrand.ly/yi47oz
- Credit Cards for Fair Credit: https://rebrand.ly/956h4w
- Or, use our Amazon.com link: https://amzn.to/2PpQWoB
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Our site: https://www.ProudMoney.com
Contact: [email protected]
#creditscores #ficoscores #creditscore
Do you know? [Click "See More" for Advertiser Disclosure]
You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved):
.
- CardMatch™: https://rebrand.ly/p70ubk
- Cash Back Credit Cards: https://rebrand.ly/8tz84x
- Travel Rewards Credit Cards: https://rebrand.ly/27jk4y
- Credit Cards For Good Credit: https://rebrand.ly/yi47oz
- Credit Cards for Fair Credit: https://rebrand.ly/956h4w
- Or, use our Amazon.com link: https://amzn.to/2PpQWoB
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Our site: https://www.ProudMoney.com
Contact: [email protected]
#creditscores #ficoscores #creditscore
Your Equifax Credit Report contains information that gets reported to Equifax by lenders and creditors. It also contains public record information, personal inf...
Your Equifax Credit Report contains information that gets reported to Equifax by lenders and creditors. It also contains public record information, personal information, and collections agency information.
Your Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.
Find more information on "Equifax Credit Reports and Equifax Credit Scores" at: https://www.equifax.com/personal/education
Read more about Credit Education at: https://www.equifax.com/personal/education/
Your Equifax Credit Report contains information that gets reported to Equifax by lenders and creditors. It also contains public record information, personal information, and collections agency information.
Your Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.
Find more information on "Equifax Credit Reports and Equifax Credit Scores" at: https://www.equifax.com/personal/education
Read more about Credit Education at: https://www.equifax.com/personal/education/
New videos DAILY: https://bigth.ink
Join Big Think Edge for exclusive video lessons from top thinkers and doers: https://bigth.ink/Edge
----------------------...
New videos DAILY: https://bigth.ink
Join Big Think Edge for exclusive video lessons from top thinkers and doers: https://bigth.ink/Edge
----------------------------------------------------------------------------------
Legendary con-man-turned-FBI-consultant Frank W. Abagnale breaks down the 2017 Equifax data breach.Hackers were able to access the personal data of millions of Americans through faulty software — and they might wait years before using the stolen social security numbers and dates of birth.Abagnale blames Equifax for this oversight. If a company is entrusted with an individual's personal data they need to do a better job of protecting it. "Hackers don't cause breaches, people do," he says.
----------------------------------------------------------------------------------
FRANK W. ABAGNALE
Frank W. Abagnale is one of the world's most respected authorities on the subjects of forgery, embezzlement and secure documents. Mr. Abagnale has been associated with the FBI for over four decades. He lectures extensively at the FBI Academy and for the field offices of the Federal Bureau of Investigation. He is a faculty member at the National Advocacy Center (NAC) which is operated by the Department of Justice, Executive Office for United States Attorneys. More than 14,000 financial institutions, corporations and law enforcement agencies use his fraud prevention programs.
----------------------------------------------------------------------------------
TRANSCRIPT:
FRANK W. ABAGNALE: First you should always ask when someone asks you joining a gym I need your social security number. For what reason? What's the purpose of asking me for my social security number? They don't need it. Actually, by law when you look up the law involving your social security number it's limited to about as many things as you can count on one hand where you legally have to provide it for income taxes, law enforcement, things of that nature. There's no need for them to have that. They're kind of foolish taking it to begin with because then they're responsible for that information and they have to try to keep that information safe. In the case of Equifax which is a perfect example, here was a multibillion dollar company. They didn't update their software. They didn't fix their patches that Microsoft said to them and said install these security patches. Their chief information security officer had her degree in music. She really didn't know anything about keeping information safe and consequently hackers got in.
Now in my 43-year career I've dealt with every breach back to TJ Maxx 15 years ago to the recent breach of Capital One, Marriott Hotels, and Facebook. What I've realized in every single breach happens because somebody in that company did something they weren't supposed to do, or somebody in that company failed to do something they were supposed to do. Hackers don't cause breaches. People do. All hackers do is look for open doors and every day there are thousands of companies with open doors. I was asked this earlier today and I firmly believe it. If I give you my information whether you be a bank or credit bureau, a hospital, I'm entrusting you with my personal data. If something happens with that data due to your fault or your negligence in keeping it safe I should have the right to a recourse to sue you for getting my information out. Because now that they don't have that as a statute companies get away with it and they tell you I'll buy you one year of credit monitoring service, two years of credit monitoring service. That's worthless.
If I steal your name, your social security number and your date of birth you can't change your name. You can't change your social security number. You can't change your date of birth. So if I'm smart I'm going to hold that data for at least three to four years before I ever go use it. But if I steal credit card numbers and debit card numbers, I have to get rid of them right away. They have a very short shelf life. But when they do a major breach they store that data typically we find from about four to five years. So you giving me one year of credit monitoring, two years of credit monitoring, three years of credit monitoring really is not going to help me at all in the long run. They will eventually get to my data and use my data. I do think that companies need to do a better job of protecting the information that's been entrusted to them. And this is why I was so big on trying to get the ability to freeze your credit. No one in this country ever said to Equifax, you know what. You can store all my personal data and you can make billions of dollars selling it for background checks, employee checks, credit checks. No, I never said that.
What I want to say is, Equifax you can keep my d...
For the full transcript, check out https://bigthink.com/videos/data-breach
New videos DAILY: https://bigth.ink
Join Big Think Edge for exclusive video lessons from top thinkers and doers: https://bigth.ink/Edge
----------------------------------------------------------------------------------
Legendary con-man-turned-FBI-consultant Frank W. Abagnale breaks down the 2017 Equifax data breach.Hackers were able to access the personal data of millions of Americans through faulty software — and they might wait years before using the stolen social security numbers and dates of birth.Abagnale blames Equifax for this oversight. If a company is entrusted with an individual's personal data they need to do a better job of protecting it. "Hackers don't cause breaches, people do," he says.
----------------------------------------------------------------------------------
FRANK W. ABAGNALE
Frank W. Abagnale is one of the world's most respected authorities on the subjects of forgery, embezzlement and secure documents. Mr. Abagnale has been associated with the FBI for over four decades. He lectures extensively at the FBI Academy and for the field offices of the Federal Bureau of Investigation. He is a faculty member at the National Advocacy Center (NAC) which is operated by the Department of Justice, Executive Office for United States Attorneys. More than 14,000 financial institutions, corporations and law enforcement agencies use his fraud prevention programs.
----------------------------------------------------------------------------------
TRANSCRIPT:
FRANK W. ABAGNALE: First you should always ask when someone asks you joining a gym I need your social security number. For what reason? What's the purpose of asking me for my social security number? They don't need it. Actually, by law when you look up the law involving your social security number it's limited to about as many things as you can count on one hand where you legally have to provide it for income taxes, law enforcement, things of that nature. There's no need for them to have that. They're kind of foolish taking it to begin with because then they're responsible for that information and they have to try to keep that information safe. In the case of Equifax which is a perfect example, here was a multibillion dollar company. They didn't update their software. They didn't fix their patches that Microsoft said to them and said install these security patches. Their chief information security officer had her degree in music. She really didn't know anything about keeping information safe and consequently hackers got in.
Now in my 43-year career I've dealt with every breach back to TJ Maxx 15 years ago to the recent breach of Capital One, Marriott Hotels, and Facebook. What I've realized in every single breach happens because somebody in that company did something they weren't supposed to do, or somebody in that company failed to do something they were supposed to do. Hackers don't cause breaches. People do. All hackers do is look for open doors and every day there are thousands of companies with open doors. I was asked this earlier today and I firmly believe it. If I give you my information whether you be a bank or credit bureau, a hospital, I'm entrusting you with my personal data. If something happens with that data due to your fault or your negligence in keeping it safe I should have the right to a recourse to sue you for getting my information out. Because now that they don't have that as a statute companies get away with it and they tell you I'll buy you one year of credit monitoring service, two years of credit monitoring service. That's worthless.
If I steal your name, your social security number and your date of birth you can't change your name. You can't change your social security number. You can't change your date of birth. So if I'm smart I'm going to hold that data for at least three to four years before I ever go use it. But if I steal credit card numbers and debit card numbers, I have to get rid of them right away. They have a very short shelf life. But when they do a major breach they store that data typically we find from about four to five years. So you giving me one year of credit monitoring, two years of credit monitoring, three years of credit monitoring really is not going to help me at all in the long run. They will eventually get to my data and use my data. I do think that companies need to do a better job of protecting the information that's been entrusted to them. And this is why I was so big on trying to get the ability to freeze your credit. No one in this country ever said to Equifax, you know what. You can store all my personal data and you can make billions of dollars selling it for background checks, employee checks, credit checks. No, I never said that.
What I want to say is, Equifax you can keep my d...
For the full transcript, check out https://bigthink.com/videos/data-breach
As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your pe...
As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your personal finances.
However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.
Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.
If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.
The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.
It could be Equifax, Experian or TransUnion – or perhaps all three.
Read more about this topic on my blog:
Which Credit Report is More Important: Equifax, Experian or TransUnion http://bit.ly/1EWh2CS
As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your personal finances.
However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.
Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.
If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.
The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.
It could be Equifax, Experian or TransUnion – or perhaps all three.
Read more about this topic on my blog:
Which Credit Report is More Important: Equifax, Experian or TransUnion http://bit.ly/1EWh2CS
John Oliver discusses the massive impact of the cybersecurity breach at Equifax and their massively misguided attempts to mitigate the damage.
Connect with Last Week Tonight online...
Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight
Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight
Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight
Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
It's easier than ever to check your credit score online but is there a catch? We ask three people to check their scores on Credit Karma, TransUnion, Equifax, and Borrowell. The results might surprise you.
»»» Subscribe to CBC News to watch more videos: http://bit.ly/1RreYWS
Connect with CBC News Online:
For breaking news, video, audio and in-depth coverage: http://bit.ly/1Z0m6iX
Find CBC News on Facebook: http://bit.ly/1WjG36m
Follow CBC News on Twitter: http://bit.ly/1sA5P9H
For breaking news on Twitter: http://bit.ly/1WjDyks
Follow CBC News on Instagram: http://bit.ly/1Z0iE7O
Download the CBC News app for iOS: http://apple.co/25mpsUz
Download the CBC News app for Android: http://bit.ly/1XxuozZ
»»»»»»»»»»»»»»»»»»
For more than 75 years, CBC News has been the source Canadians turn to, to keep them informed about their communities, their country and their world. Through regional and national programming on multiple platforms, including CBC Television, CBC News Network, CBC Radio, CBCNews.ca, mobile and on-demand, CBC News and its internationally recognized team of award-winning journalists deliver the breaking stories, the issues, the analyses and the personalities that matter to Canadians.
Do you know? [Click "See More" for Advertiser Disclosure]
You can support our channel by choosing your next credit card via one of the links below (in other words, we make money if you get approved):
.
- CardMatch™: https://rebrand.ly/p70ubk
- Cash Back Credit Cards: https://rebrand.ly/8tz84x
- Travel Rewards Credit Cards: https://rebrand.ly/27jk4y
- Credit Cards For Good Credit: https://rebrand.ly/yi47oz
- Credit Cards for Fair Credit: https://rebrand.ly/956h4w
- Or, use our Amazon.com link: https://amzn.to/2PpQWoB
.
ADVERTISER DISCLOSURE: Unless otherwise noted, this channel receives compensation from our partner sites when you click through and are approved for a credit card through the links you see above. Compensation may impact how and where we place these links. While we try to include information on a wide variety of financial companies and products in our videos, we definitely can't guarantee that we've included every company or every available offer.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
Our site: https://www.ProudMoney.com
Contact: [email protected]
#creditscores #ficoscores #creditscore
Your Equifax Credit Report contains information that gets reported to Equifax by lenders and creditors. It also contains public record information, personal information, and collections agency information.
Your Equifax Credit Score is based on the Equifax Credit Score model. Third parties use many different types of credit scores and will not use the Equifax Credit Score to assess your creditworthiness.
Find more information on "Equifax Credit Reports and Equifax Credit Scores" at: https://www.equifax.com/personal/education
Read more about Credit Education at: https://www.equifax.com/personal/education/
New videos DAILY: https://bigth.ink
Join Big Think Edge for exclusive video lessons from top thinkers and doers: https://bigth.ink/Edge
----------------------------------------------------------------------------------
Legendary con-man-turned-FBI-consultant Frank W. Abagnale breaks down the 2017 Equifax data breach.Hackers were able to access the personal data of millions of Americans through faulty software — and they might wait years before using the stolen social security numbers and dates of birth.Abagnale blames Equifax for this oversight. If a company is entrusted with an individual's personal data they need to do a better job of protecting it. "Hackers don't cause breaches, people do," he says.
----------------------------------------------------------------------------------
FRANK W. ABAGNALE
Frank W. Abagnale is one of the world's most respected authorities on the subjects of forgery, embezzlement and secure documents. Mr. Abagnale has been associated with the FBI for over four decades. He lectures extensively at the FBI Academy and for the field offices of the Federal Bureau of Investigation. He is a faculty member at the National Advocacy Center (NAC) which is operated by the Department of Justice, Executive Office for United States Attorneys. More than 14,000 financial institutions, corporations and law enforcement agencies use his fraud prevention programs.
----------------------------------------------------------------------------------
TRANSCRIPT:
FRANK W. ABAGNALE: First you should always ask when someone asks you joining a gym I need your social security number. For what reason? What's the purpose of asking me for my social security number? They don't need it. Actually, by law when you look up the law involving your social security number it's limited to about as many things as you can count on one hand where you legally have to provide it for income taxes, law enforcement, things of that nature. There's no need for them to have that. They're kind of foolish taking it to begin with because then they're responsible for that information and they have to try to keep that information safe. In the case of Equifax which is a perfect example, here was a multibillion dollar company. They didn't update their software. They didn't fix their patches that Microsoft said to them and said install these security patches. Their chief information security officer had her degree in music. She really didn't know anything about keeping information safe and consequently hackers got in.
Now in my 43-year career I've dealt with every breach back to TJ Maxx 15 years ago to the recent breach of Capital One, Marriott Hotels, and Facebook. What I've realized in every single breach happens because somebody in that company did something they weren't supposed to do, or somebody in that company failed to do something they were supposed to do. Hackers don't cause breaches. People do. All hackers do is look for open doors and every day there are thousands of companies with open doors. I was asked this earlier today and I firmly believe it. If I give you my information whether you be a bank or credit bureau, a hospital, I'm entrusting you with my personal data. If something happens with that data due to your fault or your negligence in keeping it safe I should have the right to a recourse to sue you for getting my information out. Because now that they don't have that as a statute companies get away with it and they tell you I'll buy you one year of credit monitoring service, two years of credit monitoring service. That's worthless.
If I steal your name, your social security number and your date of birth you can't change your name. You can't change your social security number. You can't change your date of birth. So if I'm smart I'm going to hold that data for at least three to four years before I ever go use it. But if I steal credit card numbers and debit card numbers, I have to get rid of them right away. They have a very short shelf life. But when they do a major breach they store that data typically we find from about four to five years. So you giving me one year of credit monitoring, two years of credit monitoring, three years of credit monitoring really is not going to help me at all in the long run. They will eventually get to my data and use my data. I do think that companies need to do a better job of protecting the information that's been entrusted to them. And this is why I was so big on trying to get the ability to freeze your credit. No one in this country ever said to Equifax, you know what. You can store all my personal data and you can make billions of dollars selling it for background checks, employee checks, credit checks. No, I never said that.
What I want to say is, Equifax you can keep my d...
For the full transcript, check out https://bigthink.com/videos/data-breach
As a general matter, no one credit bureau report is “more important” than the others.
In today’s economic environment, they are all vitally critical to your personal finances.
However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.
Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.
If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.
The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.
It could be Equifax, Experian or TransUnion – or perhaps all three.
Read more about this topic on my blog:
Which Credit Report is More Important: Equifax, Experian or TransUnion http://bit.ly/1EWh2CS
Beacon formed part of Facebook's advertisement system that sent data from external websites to Facebook, for the purpose of allowing targeted advertisements and allowing users to share their activities with their friends. Beacon would report to Facebook on its members' activities on third-party sites that also participate with Beacon. These activities would be published to users' news feed. This would occur even when users were not connected to Facebook and would happen without the knowledge of the Facebook user. One of the main concerns was that Beacon did not give the user the option to block the information from being sent to Facebook. Beacon was launched on November 6, 2007 with 44 partner websites. The controversial service, which became the target of a class-action lawsuit, was shut down in September 2009. Mark Zuckerberg, CEO of Facebook, characterized Beacon on the Facebook Blog in November 2011 as a "mistake". Although Beacon was unsuccessful, it did pave the way for Facebook Connect, which has become widely popular.
[Intro:] To anybody That ever looked at a blank piece of paper And felt that feeling That you didnt, you don't know what to say You be wondering If your next joint is gonna be banging or not You be wondering if people gonna be feeling your shit This is for y'all Come On [Verse 1:] I've been stuck on the same page Seven days isolated in the same cage Six minutes spitting out curse words of rage Holding on to my pen like it's the last days And she my only weapon Still stepping with a passionate cause But the block reveals all of your flaws hoping you give in Shifting, more swift than the panic Older brain with the pen feeling so diplomatic Until you fight back Pen strokes tend to quiet that and at the same time my mind drift Between the pen and the paper there's a slight rift The pressure's on and I might miss Who can bare that stress? First start is the second guess The third try I'm still hopeless I'm like a penny with a hole in it The words come but no soul in it So it's back to the block trying to figure out this damn thing [Chorus:] So if you see me in the lab with a pen and a pad I'm trying to write a verse that's doper than my last one Let's put it down for my peeps going at it hard On every block, every corner, every boulevard Some niggaz think about sex, I think about checks and I ain't spitting 16 until I know I'm about to cash one Let's spit a rhyme for the streets steady pulling cards On every block, every corner, every boulevard [Verse 2:] They say the pressure's on to make more music And write a better song to make the hoars loose it Dance floor music with out no heart attatched For all them harder cats that I was sleeping on, Not trying to lead you on but there's a deeper zone when you start dealing with the industry and keeping on You do your thing, I do mine Fuck it, 10 inches long 'Cause I ain't even on but still you want to sweat Looking for me to fill your pockets and your deficits asking for loot and I ain't even sold no records yet My family argue when they beefing over petty shit And niggaz still think this journey was everless Shit Yo, that's why I'm using God as my guide 'Cause making moves in this game It's kind of hard to decide Once you put your Hancock on the line My niggaz change at the drop of a dime That put a block on your mind, for real [Chorus:] So if you see me in the streets and my eyes look red it's probably because I ain't been able to sleep We put it down for our peeps going at it hard On every block, every corner, every boulevard Some niggaz spit for the range I spit for the change to make sure that all my family got something to eat Spit a rhyme for the street steady pullin cards For every block, every corner, every boulevard [Outro:] Yo, it's like that y'all State to state Country to country It's Little Brother 9th Wonder The Justus League, undiscovered It's like that y'all We keep it going We keep it on, and on, and on On, and on, and on Like that [Outro scene:] Pooh, Oh Pooh Wake up big daddy Look at you Laying there looking all cute and cuddly (Different lady) Good morning baby You remember.. we agreed on that minajee(sp?) Well, I got something better than that I brought Tasha (First lady) Pooh Oh Pooh (Third lady) Terrance! Yeah, come on (Man's voice)