Security freezes and credit locks both protect against identity theft, but only one is free and backed by federal law. Learn which option is right for you.

The recent Xfinity data breach has left millions of customers vulnerable, exposing sensitive data and raising serious security concerns. Cre

Identity theft, particularly consumer identity theft, is a grave issue that can detrimentally affect your credit scores and financial...

Credit privacy numbers might seem like an easy solution to credit problems, but they're illegal and can land you in federal prison. Learn why CPNs are fraudulent, how scammers operate, and the legitimate ways to repair your credit without breaking the law.

When FICO introduced credit scoring in 1989, it was marketed as objective and race-neutral. But the algorithm doesn't need to know your race to discriminate against you. Credit scores measure financial factors that have been shaped by centuries of racial discrimination, from redlining to predatory lending. The median credit score for Black consumers is 639 compared to 730 for white consumers.

Identity theft affects millions of Americans every year, leaving victims scrambling to recover their financial lives. If someone has stolen your identity, immediate action is critical. This comprehensive guide walks you through every step of the recovery process, from filing reports with the FTC and law enforcement to leveraging your rights under FCRA Section 605B to block fraudulent information from your credit reports.