Equifax Fraud Essay

Equifax Fraud Essay
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Questions On Google 's Article On Facebook
How to Fix Your Credit Yourself
By David Neman | Submitted On August 26, 2015
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You can pay a credit repair company to fix your credit, but if you 're willing to invest your time
instead of your cash then you can do it yourself without having to pay a professional. The only
questions you need to know before you get started are how much your time is worth to you, and how
comfortable you are with initiating and managing multiple credit profile related contacts via phone
and email. You will also need to be comfortable with reading and writing quasi–legal documents.
You can find example correspondence online which can help you with this.
Step 1: Obtain Your Credit Reports
Your credit score is based on a combination of factors and information which is reported about you
by 3rd parties to the 3 major credit reporting agencies. The major agencies we are concerned with
are Experian, Equifax and TransUnion. These three companies are the ones who are responsible for
publishing information about you onto your credit report, however they are not the ones responsible
for generating the information. A creditor, a collection agency or another company (known as

How Is Technology Hindering Society
Technology Essay Have you ever thought of screen addiction as a disease well people all around the
world are finally realizing that technology is rotting the brain. Technology all around the world is
hurting our society. Kids are getting so addicted that they are not even taking breaks to eat, sleep, or
even use the bathroom. Also there is lots of cybercrime. People all around the world are getting
there money, social security number, and their address stole. People who buy any cheap face cams
can be found online and you can see them through their face came through the internet, I wouldn't
want other people watching my every move. This is why technology is hindering society. My first
reason to why technology hinders society is scams. Mr.Bernhardt ... Show more content on
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The tragic effects on teenagers who become hooked on video games, playing for dozens of hours at
a time often without breaks to eat, sleep or even use the bathroom. Many come to view the real
world as fake. Chinese doctors consider this phenomenon a clinical disorder and have established
rehabilitation centers where afflicted youngsters are confined for months of sometimes draconian
therapy, completely isolated from all media, the effectiveness of which remains to be demonstrated.
Strong research has been coming in over the last several years, suggesting that looking at screens for
hours a day can have some serious health and mental health consequences. Even some of the
developers of these products have admitted guilt about their creations, and confessed that they don't
even let their kids use them. Time spent on screens is linked to not–so–great shifts in brain
connectivity, while reading is linked to more beneficial changes. Cincinnati Children's Hospital, had
families rate how much time their kids spent on screens and how much time they spent reading
actual books. The children's brains were scanned, to assess how regions involved in language were
connected, and it turned out that screen time was linked to poorer connectivity in areas that govern
language and cognitive control. Reading, on the other hand, was linked to better connectivity in
these regions. Teens who spent more time on screens in

Technology Impact On Technology
In our world today, things are constantly being created and changed; whether it be laws, fashion,
food, etc., but the one thing that seems to change at a faster rate than the rest is technology. Whether
it be with machines, computers, or medicine, technology is always being improved, and for most,
it's now quite difficult to go a single day without using some type of technology because it's become
so widespread in our world. Difficulty to operate without technology is now also becoming true for
businesses. Whether it be local or international, businesses have begun to rely more heavily on
technology for purposes such as storing their files, making transactions, keeping track of their
inventory, and many other reasons. While technology has ... Show more content on Helpwriting.net
...
Today hackers currently have a large amount of American's personal information such as birthdates,
social security numbers, credit card numbers, addresses, etc. If a large company such as Equifax is
susceptible to cyber attacks, then it's safe to say that practically all businesses are also taking a huge
risk leaving their customer's private information in the hands of technology. A common reason that
businesses are using technology to store all of their files is because it's quick and easily accessible
for them and their customers, but as we've seen in the Equifax case, putting one's trust in the internet
to keep our information safe in exchange for easier and quicker access to information can prove to
be unwise. Similarly, businesses are risking losing customers and their business due to technical
difficulties. Before technology, business owners still had to find a way to run their business to keep
their employees paid and their customers happy. But today, utter chaos erupts in everyone's mind as
soon as they hear those four words; "our servers are down". This is when it becomes clear that
businesses are relying too much on technology because in this moment they aren't able to do their
jobs the convenient way, and for some, there is no other way. In the case of Amazon Web Services
(AWS) in February 2017, when their servers went down and affected many other websites as well.
AWS is

1984, By George Orwell: Should Companies Collect Information?
Picture this: a totalitarian environment in which privacy does not exist. A world in invisible chains,
chains that seem to help the enchained. Sound familiar? This is from the book 1984, by George
Orwell. Despite the year of 1984 long being passed, that certain society is quickly approaching, and
it all starts with companies collecting information about you. You may know that companies collect
information and that almost every single one has been hacked. Companies should not collect
information because they can be hacked to steal that information, they can share and sell it, and they
can eavesdrop on your daily lives to get it. The most important reason that companies should not
collect information about you is that companies can be hacked ... Show more content on
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An example of this is Uber's "God Mode Hack". This allowed users to extrapolate the exact location
of other Uber users and track their locations. Two former Uber employees told BuzzFeed news that
this "hack" was never available to Uber users, but we know that's not necessarily true. However, 4
years ago, it was discovered that this particular "hack" was not available anymore, according to a
subreddit for Uber drivers. Another example of this is the famous Equifax hack. On July 29,
Equifax, one of the biggest data archives in the United States, was discovered to be hacked. This
exposed the data of 143 million Americans, about half of the entire U.S. population. On September
7, Equifax announced that it was hacked. The three hackers have long since been found, but this still
poses as a threat for personal information. A third and final example of this is NASA and the
Department of Defense. They were successfully hacked by Jonathan James and Scot Gary
McKinnon. James hacked the US Defense Threat Reduction Agency in 1999. He also got the source
code for the life support systems on the International Space Station. It took NASA alone $41,000
dollars to repair the damage he had done. McKinnon hacked into almost 100 computers, 97 to be
exact. Sixteen of those computers belonged to NASA and 81 of those belonged to other parts of the
Department of Defense. This just goes to show how dangerous information online can be, but
imagine what companies can do with that

Pros And Cons Of Social Media Essay
World of Social Media Today's world technology has grown to its peak and has given developers the
opportunity to develop social media outlets which have been used around the world. For example,
social media giant Facebook has a total of 2.07 billion daily users. These numbers are based on real
figures while world population stands at 7.6 billion which means over 27% of the world are active
Facebook users. Instagram is another social media outlet which lets you share your pictures with the
world and has 500 million active users. Another example of social media is Twitter which has 300
million active users. Twitter is a database where people are able to share their opinions and share
information with the world on a platform. Furthermore, ... Show more content on Helpwriting.net ...
Social Media marketing has helped businesses also reduce their overhead cost by reducing
employees. Social Media also has some disadvantages to the businesses. For Instance, businesses
must be prepared for the high demand of their products at any given time. The customers in real
time can rate businesses by using social media outlets. If a large amount of customers is dissatisfied
by businesses product or services can quickly make the business look real bad among all the other
customers. Social Media also puts a high demand on innovation and content shared by businesses.
One of the biggest problems for businesses who are using social media is the security of their
business at times hackers are able to shut down and steal information related to business clients.
This in some instances has brought large lawsuits against companies. For example, Equifax had
security breach ware 143 million American citizen social security numbers were compromised. This
news went viral by social media users who have a field class action law suit against Equifax. There
are many advantages that brought by social media to people who are using it. One of them is, the
communication opportunity it gives to the people on social media who want to communicate with
their family, friends and co–workers. For Instance, students who continue their education overseas,
or in different parts of the world need an optional

The Pros And Cons Of Technology
Yes: In the world we live in, technology is advancing everywhere from software to machines and
even cooking utensils. Improvements to our lives, by technology, include electricity, medical
technology, fast productions and, Access to information and education. Without technology the
world would be different and it would leave us at a disadvantage. Imagine a world without internet
where your teacher assigns you an essay to research nuclear fission. Without the internet, you would
have to go to a library to check out a book filled with every little aspect of anything similar to
science. Now imagine having to weed through page after page of the book until you found the
slightest amount of information on nuclear fission. After that you ... Show more content on
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Ole J. Benedictow, a historical researcher, states, "The Black Death killed 50 million people in the
14th century, or 60 per cent of Europe's entire population."(Ole J. Benedictow). The black plague
was a disease that killed millions of humans with extremely similar immune systems to humans in
today's world. One of the only differences is how we choose to use technology to fight fatal diseases
from destroying entire civilizations. Medical care and vaccines make living life longer possible. For
decades now the average life span has been increasing. Without medical technology we face the
possibility of humanity being irradiated of the face of the earth. Humans have taken advantage of
technology since before history was recorded. Caveman area have no written examples of what
culture was like yet, because of their technology being spears and paint we conclude they were
advanced compared to other animals. The realization that we have been using technology for
thousands of years has not been successfully infiltrating the minds of humans. Studies weakly argue
technology is harmful yet without it, we would be scavengers without tools, clothing or, Most
possessions. Without technology we would not have building, cities, successful governments and,
almost everything else. We would be scavengers looking for our next meal trying to survive another
day. Our life spans would not average around 70 because without technology we would have to
survive on our

TJX Data Breach Analysis
One of the first data breaches that personally affected me was the TJX data breach that happened in
2005–2006. At the time I was both an employee and shopper for the brand. The breach happened
due to using a "weak Wired Equivalent Privacy (WEP) protocol instead of the stronger Wi–Fi
Protected Access (WAP) protocol", not being up to date on PCI (payment card industry) compliance,
and overall behind in security controls (Patrizio, 2007). TJX also did not have the technology in
place to flag and monitor suspicious activity. This breach resulted in over 45 million credit and debit
cards being compromised (Vijayan, 2007).
Another breach that I am familiar with due to being a customer is the Target breach in 2013. This
breach was similar with TJX ... Show more content on Helpwriting.net ...
This breach trumped both the TJX and Target numbers combined! It affected up to 143 million
Americans (Yurieff, 2017). This breach was slightly different as it exposed not only credit card
information, but also sensitive information, such as social security numbers, addresses, birth dates,
and driver license numbers (Yurieff, 2017). According to the article in CNN News (Yurieff, 2017),
"Equifax said criminals "exploited a U.S. website application vulnerability to gain access to certain
files."
As stated above, all examples share in one of the types of information compromised, which was
credit card information. All three had vulnerabilities in I.T. security, TJX and Equifax with not
having the necessary controls in place and Target in not have the proper people in place making
decisions and/or incident reporting guidelines.
Many lessons can be learned from these breaches. First of all, the foundations of security need to be
in place and reviewed very often to keep relevant in today's ever changing electronic world.
Secondly, the people in charge need to understand the importance of their position and should be
held accountable for any personal liabilities they may cause for the company through improper or
inadequate performance or reporting. Another lesson is that the cost of prevention is worth so much
more than the costs of dealing with the consequences. Each one of these examples have resulted in
huge

Informative Essay On Identity Theft
I have a scenario that many people go through every year. You receive a phone call from your credit
company talking about your bill. They tell you that there was a suspicious purchase on your account
that you don't remember making. Most likely, you have become the most recent victim of a large,
dark, and superfluous business known as identity theft. Identity theft takes a substantial amount of
money away from many Americans each year, so what are you supposed to do? What even is
identity theft? How can we protect ourselves? Should we better our security? All these questions
have answers, so let's start listing the solutions. Let's protect our identities for decades to come!
Identity theft causes lots of problems with this illegal business, ... Show more content on
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What is identity theft? Furthermore, what damage does it cause? Identity theft is the robbery of
another person's important information. Usually, thieves use this information to withdraw money
from your accounts, gain access to important accounts, or to take advantage of other people. Identity
thieves can strike by doing something as simple as looking over your shoulder or as complicated as
hacking into websites that have your information like Facebook or Equifax. Speaking of Equifax,
you might've heard about how Equifax was hacked recently, giving those hackers tons of personal
and financial information about you and your accounts. Thieves can be anyone that will or has had
access to your credit card in some way, shape, or form. Many people have had their credit card
information stolen from people in retail jobs, of all places, since you can give people your credit
card to make purchases. In 2012 alone, 16.5 million Americans had some form of identity theft
occur in their accounts. That's quite frightening, especially since that means that 5% of the people in
the United States were robbed of their identities that year, and with the technological advancements
that are being developed, that means that number could be growing at an alarming rate! However,
there are quite a few ways to protect yourself. So how can you tell you've been robbed and what can
you do to protect

Identity Theft: A Serious Crime
We can all agree, that Identity theft is a serious crime and it can happen to anyone. This days, people
are becoming more and more victims of such acts either online or at the ATM's machine, banks e–
mail and even online false advertisement. This identity theft affects the rich, poor, employees,
business and the government. This act affects people lives and their credit history.
In my research the question is "What is identity Theft? Identity theft is a crime that occurs when
someone uses personal information to commit fraud where they used the person personal
information to either, get a job in your name; they can apply for a loan in your name. They can and
most commonly applied for a credit card in your name. (rcmp–grc.gc.ca) On my research paper, I
will identify the affects identity theft cause people life financially. What can you not to become
victims of identity theft? Why you should keep your identity documents at home: ... Show more
content on Helpwriting.net ...
The effect that identity theft has on those who have been the victim are a lot of headaches and
heartaches of repairing their names and their credit history once they have been a victims of such
act. According to an article on identity theft victim static's inform, there have been 12,521,448 and
15 million in the united state that has been victims of such act. The financial losses total has been
expanding to 50 billion

Equifax Hack
Equifax Hack Equifax is one of the three most important credit card reporting agencies that provide
information on a person's credit report. Recently, a small group of criminal and unethical hackers
hacked into Equifax. The hack exposed the criminals to millions of social security numbers,
birthdates, names and much more. The agency is supposed to be highly secured and trustworthy for
most. This incident has put the identity of millions in critical conditions. By describing the threat,
protecting against it by using browser and tools, and having good judgment there are several ways to
handle a hack like this. The Equifax Hack affected millions of Americans. Recently, an email was
sent to me stating how my account was one of the millions.

What Are Strategies Used For The Home And Professional...
This response excludes any known professional network direct information due to signed
confidential employee/contract workplace agreement and therefore is inappropriate to discuss in this
forum. However, I will outline strategies employed for both home and professional networks in
general terms. All of these techniques and strategies are deployed or considered depending on risk.
First, consider a home network Service Set Identifier (SSID) technique and strategy. One simple,
robust idea for home networks I use is to disable the network name SSID from being broadcast at
all. Mitchell in 2017 found, one of the benefits "using this technique will increase the chances that
would–be intruders will bypass your network and look for easier targets ... Show more content on
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Remote usage – disable access from others. Implemented on both home and professional networks
to prevent "cybercriminals won't be able access to your router's private settings from a device not
connected to your wireless network" (Cucu, 2016) This technique and strategy is simple to
implement. Next, upgrading software. Maintain network device software upgrades. This includes
antivirus and malware patches and or upgrades as needed. This is a daily routine that the software is
preprogrammed to do. One often overlooked piece of software is a browser. A browser is an
attackers' favorite access point. Zaharia, in 2016, found browsers with this message "cyber criminals
use browsers as their main way into your PC" (Zaharia, 2016) She added another threat, "malicious
browser add–ons" (p.1) Her source was "the researchers behind Cisco's Annual Security Report"
(p.1) In summary do not to run old version browsers and remove add ons. In addition, this article
were other network solution tools. Some included, using a Virtual Private Network, a proxy server,
turn your firewall on, install antivirus and antimalware software, encrypt your data. These options
should be considered by network owners either for home or a professional network and are the
backbone in many environments today. Next, monitoring traffic over a network. One way to manage
who or what visits a network is to monitor traffic. Hackers use sophisticated

Data Security Case Study
The Compromising of Data Security Due to Corporate Consolidation The United States has held
serious tension with monopolies and overarching, powerful companies since before the Boston Tea
Party. They are some of the most illicit phenomena known to Americans, which has led to its
governmental regulation. Nevertheless, Americans have found a near–enough equivalent:
oligopolies; the formation of very few, large companies dominating their respective sectors through
what is recognized as the concept of "corporate consolidation". This process involves eliminating
the competition by essentially purchasing it, maintaining only a few potent, growing, businesses in
the market (Wu). Found in any type of industry, the pairing of the power these ... Show more content
on Helpwriting.net ...
Moreover, there are laws and organizations that are designed to try and defend the consumer in
instances involving large corporations such as the F.T.C, which initiated an investigation but could
not heavily fine the institution because it was a first offense, and the C.F.P.B, that could not undergo
prosecution of Equifax because of their sole focus on the quality and/or deceit of products being
sold in the market. Even if regulators could open up a case for Equifax, executives would find a way
to evade the situation by convincing the court that the case needs to be tried as individuals and not
as a whole enterprise(Henning). The implementing of organizations like these is supposed to ensure
the safety of the consumer, but evidently, that's a goal that is currently not being fulfilled (Sotto and
Logan). Incidents like the Equifax security breach is just one of many that demonstrate that the
administration holds an insufficient amount of power to successfully regulate the way that members
of oligopolies handle their customers' personal information. Even more concerning is the way in
which Equifax managed said infringement. The prolonged time that the corporation took to notify its
customers of the illegal data access refrained them from performing

Health Case Study
An elderly gentleman works on the daily crossword from the morning newspaper when he hears the
telephone ring. When the elder answers, the person on the other line goes on to say, "Hello, this is
Equifax calling to verify your personal account information". In light of the recent data breach, the
elder goes on to provide information to the person in hopes of not losing personal data to scammers.
Little does the elder know at the time, that is exactly what he is providing to the caller, as the
scammers will take advantage of the information they receive from him. A few days later, the elder
spots a story while watching the evening news that Equifax is not calling anyone and to ensure not
to provide any information to the callers in the ... Show more content on Helpwriting.net ...
As a result, there are many cases that are left unreported. With this, CPA's are in a unique position to
bridge the gap in reporting of fraud committed against elders, as they are a trusted source for their
clients. CPA's should look to take on a financial elder planning role when providing services to the
elder demographic. Although this role is atypical for a CPA, they are in a position to do so as they
have a high amount of knowledge about the client. One of the best measures CPA's can provide is
awareness to the subject. CPA's can begin by ensuring the elder is well informed about common
scams and risks associated with particular activities as the fraudsters consistently look to take
advantage of a changing environment. However, despite implementing preventative measures, the
fraudsters may still prevail with a growing complexity in their schemes. Therefore, it is beneficial
for CPA's to recognize the signs of potential abuse to protect their client's interests. Red Flags
At the root of many financial elder abuse cases are fraudsters who have built relationships with the
elder and later took advantage of the elder's trust placed in them. Many fraudsters look to convince
the elder that they are the only one who truly cares about the elder's financial position. Further, they
may look to isolate the elder from

Why Is It Important To Identify Social Media Accounts?
"Schools Monitoring Studentsâ€™ Social Network Accounts How would you feel if you knew
someone was watching every move you made online? Well, these days, schools are planning to hire
outside companies to cyber stalk students on social media networks such as Facebook, Instagram,
Snapchat, Twitter, etc. I myself am both a student and a social media account holder, and I find it
unnecessary for schools to automatically be involved in a studentâ€™s personal life, including their
social media. Schools should not hire companies to probe their studentsâ€™ social media because
doing this would be stripping them of their privacy rights, this could risk studentsâ€™ personal
information to be exposed, and it is very pricey for schools to hire a company. ... Show more content
When students wake up early every morning for school and remain there for nearly half the day, at
least they have their freedom outside of school; schools now want to take away part of that. To
demonstrate, on the CNN website, Kelly Wallace pointed out, â€œSchool administrators are talking,
especially after the Sedwick case, about what more they can do in terms of monitoring kids' social
media but said that besides the logistics of keeping tabs on millions of students, there are big legal
questions about a student's privacy rightsâ€ (www.cnn.com). In this sample text, families are now
pressing charges on the schools.This shows that even parents and guardians feel that the school
boardâ€™s actions are unfair and unnecessary because their childrenâ€™s privacy rights were
confiscated without their consent. More than that, studentsâ€™ information can be risked being
exposed to the

The Importance Of Checking FICO Scores
Why should I check my credit score?
Knowing your score can give you a general idea of what kinds of financial products and loans you
can access. Additionally, if you check your score and it isn't what you expected, this may be
indicative of fraud or identity theft. Checking your score regularly can help you catch things early
and clean up any problems.
In laymen's terms, what is my FICO score?
It is a number created and published by the Fair Isaac Corporation. The standard range is from 300
to 800. The average U.S. consumer has a score of 637. Higher is better. Ideally, you want to be at
700 or higher. A higher score lets you borrow more money and qualify for lower interest rates.
Where can I get free FICO scores?
A number of banks and ... Show more content on Helpwriting.net ...
These usually do not offer access to your actual FICO score. They offer an estimate of your credit
score. It may be off by a few points. These are primarily considered to be educational tools.
For example, Credit Karma gets you access to a score based on information from TransUnion and
Equifax but not Experian. Credit.com gets bases their score on information from Experian.
Mint.com uses information from Equifax, and Credit Sesame uses information from TransUnion.
How can I improve my score?
You should be paying all your bills on time consistently. Even if you have plenty of money, late
payments reflect badly on your credit history. If you have too much debt for your income, you need
to work at paying it down. If you are living beyond your means, you need to change that fact.
Although financial products may help, this is mostly about earning more and spending less.
Why do there seem to be so many new ways to check my score?
This is due to a relatively recent policy change. FICO has a new program called FICO Score Open
Access.
If you have any long term goals, such as home ownership or college for your child, you should go
ahead and get free FICO scores today. Knowing where you currently stand is an essential first step
in figuring out how to get there from

Equifax And Ethority Paper
Step 1
Equifax, one of the largest credit agencies acquired the start–up company, eThority in October 2011.
Equifax purchased eThority to leverage its analytical capabilities that allowed "data from multiple
disparate sources and through an intuitive, secure process, analyzes and converts it into customized,
relevant insights and information" (PR Newswire, 2011). eThority was used by human resources,
academic medicine and higher education professionals. The abilities eThority had to analyze and
convert data from multiple sources into customized information allowed Equifax to pivot the
business model and to convert eThority into a platform to accommodate the provisions of The
Patient Protection and Affordable Care Act, also known as the Affordable

What Is Equifax Failure
One of the largest credit monitoring institutions put 145 million Americans most personal
information at risk. Equifax has failed at its sole purpose: to safeguard social security numbers,
birthdates, and credit card numbers – leaving millions outraged, and deservedly so. As if this
massive failure wasn't enough, the company attempted and successfully profited at the average
Americans expense. The CFO and two other senior executives sold at least $2 million worth of stock
only weeks prior to news breaking that one of the largest data breaches in history had occurred.
Though these swindlers claim that this wasn't insider trading, it's a hard pill to swallow when reports
show that the breach was known and kept under wraps for months. While

Select One Of The Three Characteristics Of Information...
1. Select one of the three characteristics of information security (CIA) and explain its importance as
related to the development of policy, education, OR technology.
Confidentiality is one of the three characteristics of the C.I.A. model. It establishes those with
sufficient privileges and the need to access the information. Confidentiality is most related to
information privacy. It is extremely important to protect the information of employees, customers, or
patients. No matter what type of organization it is it will disclose confidential information. That
being said, all confidential information is vulnerable to accidental exposure or an intentional hack. If
an unauthorized individual or system views the information, confidentiality is breached.
Confidentiality contains several measures that are applied to protect the confidentiality of
information. These measures include information classification, sure document and data storage,
application of general security policies, education of information custodians and end users.
Confidentiality must be met in the storage, processing, and transmission of data in an organization.
For example, we are going to look at a major recent data breach. On March 8, 2017, the US
department of homeland security sent Equifax and notice to patch a vulnerability in versions of the
Apache Struts software. On March 9, Equifax dispersed the information to applicable personnel.
Although told to apply the patch, Equifax security team did not find

Equifax Case
Issue Analysis An issue is described as a matter that is in dispute where unique perspectives are held
in regards to what should be done (Sexty, 2017). One of the main issues that still plagues TD is data
security and privacy. As a financial institution that heavily depends on telecommunication, the
impact of a data breach could potentially be catastrophic. Examples of a negative impact include
unintentional releases of confidential information or financial loss all deteriorate the public trust and
sustainability of the bank (Corporate Responsibility, n.d.). However, it is evident that disaster can
strike at any time. No matter how much security is implemented, a hacker just needs to find one way
through and that is exactly what happened to a credit company called Equifax. Hackers were able to
"break an Equifax online tool and access personal data of more than 143 million customers"
(Wattles and Larson, 2017).
Due to this huge data breach, TD is recently opening a new office in Israel in order to attract the
country's top cybersecurity talent. The bank "plans to invest between $3 million to $5 million in its
Tel Aviv office annually" (Ligaya, 2017). This showcases that TD is actively taking advantage of
global opportunities to diversify its ... Show more content on Helpwriting.net ...
In November, which was Financial Literacy month, TD launched a #FianciallyFit campaign in order
to promote awareness for financial literacy. Various branches gave out a total of 85,000 money
activity books to kids and handed out over 100,000 personal savings calculators. TD Helps was also
started which was an online Q&A forum that encouraged the public to inquire more about personal
finance topics such as investing and managing credit. They distinguish themselves from other
competitors by offering personal and rapid responses to live questions rather than FAQs (Corporate
Responsibility,

Equifax Data Breach
An analysis of the Equifax and Yahoo data breach
Introduction
A recent increase in large scale data breaches has exposed a multitude of cybersecurity
vulnerabilities that pose a definite risk to consumers (Lorio, 2017). In some cases, a data breach can
distress an establishment so much that other organizations experience a backlash from the
repercussions (Kosseff, 2011). The Equifax data breach of 2017 is a perfect example of this kind of
event as it caused an overwhelming economic repercussion that affected other major corporations
and more than 143 million credit card customers worldwide (Janakiraman, Lin, & Rishika, 2018).
The consumer records appropriated in the Equifax data breach represent information from credit
card accounts that includes ... Show more content on Helpwriting.net ...
The findings described in a report prepared by the Office of Senator Elizabeth Warren list several
reasons for the Equifax data breach. The report states that Equifax had a defective cybersecurity
system in place to mitigate data security (Franke–Ruta, 2018). This included deficient patch
management practices, inadequate end–point email monitoring, a weak network segmentation
structure, insubstantial credentialing procedures, and fragile logging methods (Franke–Ruta, 2018).
The warning came in an attack on the Apaches Struts application software used to protect consumer
data in the Equifax cybersecurity systems on May 13, 2017 (Franke–Ruta, 2018). However, Equifax
did not notice signs of the malicious activity until July 29, 2017 (Franke–Ruta, 2018). Officials at
Equifax emailed staff members asking them to repair the weakness in the system, yet they did not
follow up on the request and confirm the repairs (Franke–Ruta, 2018). Because the company failed
to patch the Apache Struts vulnerability, command injection attacks occurred that allowed an
unauthorized hacker to gain privileged access to an Equifax web server (West,

Fico Score Research Paper
There are a lot of different credit scores that you may see – from your FICO scores, to your Credit
Karma score, to a score provided by your credit card. The three credit bureaus created
VantageScore®, which is another credit system that produces credit scores and gives a letter grade
based on the numeric range. With all of these companies offering credit scores, how do you know
which one is right?
Unfortunately, there is no one right credit score. This is because you have several credit scores – you
don't have just one credit score.
It's impossible to know which credit score your lender will use. Often, lenders rely on a FICO score
from TransUnion, Experian, or Equifax. But it's not fair to say that all other scores are "FAKO"
scores – a ... Show more content on Helpwriting.net ...
For example, your credit card company could include a free credit score on your monthly bill that
shows a 750 score based on TransUnion information but when you actual buy your TransUnion
score, you could see a score of 780. This would not be unusual.
As if that's not enough variation, you can also have different FICO scores between each of the three
credit agencies (TransUnion, Experian, and Equifax). If your FICO scores vary significantly from
each of the agencies, it is likely that the underlying information on your credit reports varies in a
significant way. If this is the case, check your credit reports to compare the information between
each of the agencies.
Because you can only get your FICO credit score by paying for it, you may want to rely on one of
the other methods of getting your credit score more frequently (such as through Credit Karma or
your credit card company). Not only that, but you don't know (and can't know) which score a lender
will look at. For these reasons, you may want to continue to monitor your non–FICO scores.
Which Credit Score Should You

Equifax Breach And The Breaching Of The Democratic Party...
The issue of strong cybersecurity efforts in the United States has been especially topical in 2017,
and on the rise over the last few years. The Equifax breach and the breaching of the Democratic
Party during the 2016 Presidential Election are recent examples that are bringing up the
conversation of cybersecurity and make citizens curious of whether or not the United States
government has plans in place to deter these events from happening. People are already worried
about the damages these attacks can cause with consequences such as stolen information or
monetary loss of close to five billion dollars in 2017 alone (cybersecurityventures.com). Although
there are already solid plans in place to raise cybersecurity efforts in the United ... Show more
content on Helpwriting.net ...
These attacks can be extremely damaging to one's intellectual properties (information, money, etc)
as well as a concern for personal safety. The key to stopping or minimizing these attacks is to learn
what these attacks are and how they are executed to really create an effective plan to stop
unnecessary losses.
In order to understand the true problems with these plans in place, we must first discuss what these
practices are. In early 2016, former President Obama created a Cybersecurity National Action Plan
or CNAP, for short. The issue of cybersecurity is a very big one in the United States and President
Obama knows and understands the true importance of this issue. The CNAP discusses some of the
most important concerns over this topic and does the best it can to combat it with the best of its
ability. This plan includes things such as establishing a commission on enhancing national
cybersecurity using experts from outside the government, a proposal of a $3.1 billion dollar
Information Technology Modernization Fund to help modernize and replace old information about
this subject in the government, and invest close to $19 billion dollars for cybersecurity (The
President's National Cybersecurity Plan: What You Need to Know).
The reason there has been such a huge debate over cyber security in the United States as of late is
due to the slew of recent large–scale attacks that have affected a large amount

Analysis Of BJG Cybersecurity Consultants
BJG Cybersecurity Consultants provide companies with Security Analysis, Security Awareness, and
then recommends the right Security Awareness plans for your company. Our mission statement is to
provide the best security environment for our customers. Our staff provides world class customer
service.
Cyber–attacks are any type of offensive maneuver employed by nation–states, individuals, groups,
or organizations that targets computer information systems, infrastructures, computer networks,
and/or personal computer devices by various means of malicious acts usually originating from an
anonymous source that either steals, alters, or destroys a specified target by hacking into a
susceptible system. These can be labeled as either a cyber ... Show more content on Helpwriting.net
...
The internet can be an extremely useful tool for everyone, but instant messaging, chat rooms,
emails, and social networking sites can also bring trouble from cyberbullying to more serious
internet dangers, including exposure to sexual predators.
Track personal information through your business by talking with your sales department,
information technology staff, human resources office, accounting personnel, and outside service
providers. Get a complete picture of:
 Who sends sensitive personal information to your business. Do you get it from customers? Credit
card companies? Banks or other financial institutions? Credit bureaus? Job applicants? Other
businesses?
 How your business receives personal information. Does it come to your business through a
website? By email? Through the mail? Is it transmitted through cash registers in stores?
 What kind of information you collect at each entry point. Do you get credit card information
online? Does your accounting department keep information about customers' checking accounts?
 Where you keep the information, you collect at each entry point. Is it in a central computer
database? On individual laptops? On a cloud computing service? On employees' smartphones,
tablets, or other mobile devices? On disks or tapes? In file cabinets? In branch offices? Do
employees

Fico Score History
Have you every applied for credit card and denied because you either have no credit history or a bad
one? Well without a credit card, it's hard to build any kind of credit history. Without credit history,
it's hard to qualify for a credit card, a car and even a mortgage. You have three major reporting
agencies; Experian, Equifax and TransUnion, and you have a FICO score for each one of them.
Starting at the bottom and using credit responsibly can slowly help you work your way up to an
excellent credit score. The following steps can help you build your way to a great credit score.
Step 1: You should find out what your FICO scores are......
Your FICO scores are the most regularly used credit scoring methods all of the bureaus use. Your
FICO score ... Show more content on Helpwriting.net ...
You have some options for your first credit card:
Apply for a secured credit card
If you're having an issue getting a regular credit card apply for a secured card at your local bank.
Most opening balances are $300 and within the first year of being responsible, your credit card will
go from secured to unsecured and the credit limit doubled.
Step 5: Be patient
If you are using credit responsibly and follow the guidelines above, all that can be done is be patient.
Building an excellent credit score takes some time. So take this time and get excited watching your
score rise up from nothing to the 700–800s.
The Bottom line is that before you get a credit card or any credit account, you should have a basic
understanding of how your score is calculated and how to use your credit responsibly. You should
know how to gain access to your credit reports and scores. After you've done that, you can start
building your credit. Remember! Be very patient, building your credit takes time, but it will happen
as long as you're making the right credit

Data Privacy
Data Privacy
G.Maruthi
What is data privacy?
Protection of personal data Why do we need protect personal data?
– The need to control personal data
Fear of misuse Identity Theft Cases of Fraud Other form of cyber crimes
What is Personal Information?
According to the European Directive on Data Protection
– Article 2: "Personal Data shall mean any information relating to an identified or identifiable
natural person ('data subject'); an identifiable person is one who can be identified , directly or
indirectly, in particular, by reference to an identification number or to one or more factors specific to
his physical, physiological, mental economic , cultural or social identity" – Article 8: Personal data
revealing ... Show more content on Helpwriting.net ...
the person so affected" – Body Corporate: "means any company and includes a firm, sole
proprietorship or other association of individuals engaged in commercial or professional activities"
Data Privacy: India
Under the chapter XI: Offences Section 72: Penalty for breach of confidentiality and privacy Section
72A: Punishment for disclosure of information in breach of lawful contract:
Data Privacy: India
Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data
or Information) Rules, 2011:
– Rule 3: Sensitive personal data or information
Password; Financial information such as Bank account or credit card or debit card or other payment
instrument details; Physical physiological and mental health condition Sexual orientation Medical
records and history Biometric information
Data Privacy: India
or Information) Rules, 2011: Rule 4: Body corporate to provide policy for privacy and disclosure of
information: Responsibilities of data controllers:
– – – – – Practices and policies Type of information collected Purpose of collection and usage of

such information Disclosure of information Reasonable security practices
Data Privacy: India
or Information) Rules, 2011: Rule 5: Collection of information: Rule

Technology : The Future Of Technology In The World
Yes: In the world we live in, technology is advancing everywhere from software to machines and
even cooking utensils. Improvements to our lives, by technology, include electricity, medical
technology, fast productions and, Access to information and education. Without technology the
world would be different and it would leave us at a disadvantage. Imagine a world without internet
where your teacher assigns you an essay to research nuclear fission. Without the internet, you would
have to go to a library to check out a book filled with every little aspect of anything similar to
science. Now imagine having to weed through page after page of the book until you found the
slightest amount of information on nuclear fission. After that you have to use that information and
create an entire essay on just a few pages of information, without plagiarizing it. Wasted time and
effort was put into the process, whereas the internet would have been able to supply greater amounts
of information in a fraction of the time. Proven by the scenario, technology quickens production, but
also advances information and education. The second most impacting example of how technology
has benefited humans is medical technology. The medical world has been largely affected by the
development of machines including heart pacemakers, MRI machines and, antibiotics. All of which
is considered advanced technology. Statistically stated in an article, "In 1993, there were about
121,300 pacemaker implantations

Equifax Data Breach Analysis
An analysis of the Equifax data breach Introduction A recent increase in large scale data breaches
has exposed a multitude of cybersecurity vulnerabilities that pose a definite risk to consumers
(Lorio, 2017). In some cases, a data breach can distress an establishment so much that other
organizations experience a backlash from the repercussions (Kosseff, 2011). The Equifax data
breach of 2017 is a perfect example of this kind of event as it caused an overwhelming economic
repercussion that affected other major corporations and more than 143 million credit card customers
worldwide (Janakiraman, Lin, & Rishika, 2018). The consumer records appropriated in the Equifax
data breach represent information from credit card accounts that includes ... Show more content on
Helpwriting.net ...
(2017, September 12). Equifax's Massive Data Breach Has Cost the Company $4 Billion So Far.
Retrieved from http://time.com/money/4936732/equifaxs–massive–data–breach–has–cost–the–
company–4–billion–so–far/. Lorio, P. (2017). Access denied: Data breach litigation, Article III
Standing, and a proposed statutory solution. Columbia Journal of Law and Social Problems, 514(1),
1–51. Retrieved from http://eds.b.ebscohost.com/eds/pdfviewer/pdfviewer?vid=3&sid=311c74a2–
7adc–4951–82b3–919efdadf119%40sessionmgr120. McCrank, J., & Finkle, J. (2018, March 2).
Equifax breach could be most costly in corporate history. Retrieved from
https://www.reuters.com/article/us–equifax–cyber/equifax–breach–could–be–most–costly–in–
corporate–history–idUSKCN1GE257. Primoff, W., & Kess, S. (2017). The Equifax data breach–
What CPAs and firms need to know now. The CPA Journal. Retrieved from
http://eds.b.ebscohost.com/eds/pdfviewer/pdfviewer?vid=14&sid=cbf6bf65–e149–487a–8f82–
1dae4217629b%40sessionmgr120. West, J., & Mar, S. (2017). Fundamentals of a cybersecurity
program. Internal Auditor. Retrieved from

Equifax Vulnerability Analysis
Vulnerability management is important to identified all risks across the network assets and ensure
that the right resources is sent to the right places, in the right order to provide effective protection for
our assets in order to keep it safe. The breach at Equifax was caused by a vulnerability costing over
$275M and also the WannaCry virus exploited a vulnerability. An effective vulnerability
management program is essential to the survival of the merging organization. This program reduces
the chance of revenue lost and productivity resulting from network intrusion or failure of
application. The following vulnerability management program will be developed, adopted and
implemented at the merging organization.
SCOPE: The scope will encompasses ... Show more content on Helpwriting.net ...
Any severity between 4 and 5 must be remediated immediately before addressing 1 and 3. The risk
concept shall be adopted that defined risk as the likelihood of a threat exploiting vulnerability. Risk
refers to the exposure to harm and loss.
RISK ANALYSIS ASSESSEMT METHODS: The methods that will be adopted are Qualitative,
Semi–Quantitative and Quantitative. The qualitative assessment uses a descriptive scale to define
consequence, probability and level of impact such as high, moderate and low. The Semi–quantitative
uses numerical rating/scale for consequence, and probability in combination with a formula. A full
quantitative analysis may not be realistic due to insufficient data or information about a system.
Quantitative analysis is using measurable, objective data/information to determine asset value,
probability of loss and risks associated worth the asset.
CLASIFY THE RISKS: The vulnerabilities will be prioritized by ranking from most serious to least
serious. The ranking dictates what is to be fix first. The risks will be categories as: Critical,
Moderate and Low with the corresponding rate of remediation.
PATCH

Essay On Cybersecurity Breaches
People across the world are becoming disproportionately dependent on modern day technology,
which results in more vulnerability to cyber–attacks including cybersecurity breaches. Today, the
world continues to experience inordinate cases of cybersecurity meltdowns. There is a rapid growth
in complexity and volume of cyber–attacks, and this undermines the success of security measures
put in place to make the cyberspace secure for users. Cyber–attacks on both private and public
information systems are a major issue for information security as well as the legal system. While
most states require government organizations and certain federal vendors to report incidences of
data breaches, no equivalent legislation exists to cover private entities. ... Show more content on
Helpwriting.net ...
All the consumers affected were also made vulnerable to subsequent identity theft given malicious
attackers stole their personal data. Equifax was directly affected since its stock began to plunge
immediately the news was made public. Additionally, the corporate governance of the company was
tarnished given three Equifax executives sold shares worth around $2 million days after the breach
discovery, and the "retiring" of the chief security information officers is questionable (Surane &
Melin, 2017). Also, the company was exposed to litigations with some lobbyists and interest groups
pushing regulators to hold Equifax accountable for the negligence and poor treatment of affected
consumers. The proposed new data security laws will present a greater burden to other corporations.
Two such laws are the Promoting Responsible Oversight of Transactions and Examinations of
Credit Technology (PROTECT), and Freedom From Equifax Exploitation (FREE) will attract more
government scrutiny and limit the type of personal data that companies can collect from customers
(Alperan, Carter, & Sofio, 2017). Wikileaks CIA Vault 7 was released on March 7, 2017, when
Wikileaks published a data trove that contained 8761 documents that they claimed they stole from
the CIA. Wikileaks CIA Vault 7 contained extensive documentation of alleged spying operations and
hacking tools. Wikileaks revelations included bugs in windows, Android vulnerabilities and the

Equifax Security Failure Essay
The article on "Equifax Security fails" this is a website where customers rely on the website and
provides their personal information but the physical security failed which leaks the data of the
customer's, they had a problem protecting their customer's information like credit card details, social
security number and much more related to the customers. The Equifax website suffered a hacking
attack which results to leak of the personal information of the customers. The lawyers for the
plaintiffs argued, "Equifax had willfully ignored known weaknesses in its data security, including
prior hacks into its information systems". At the end, the case closed and Equifax fixes a glaring
security issue. The flaw was Equifax have access to employees data with the use of default PIN
numbers, the pin number could either be a ... Show more content on Helpwriting.net ...
Due to common vulnerability is known as cross–site scripting on the website can allow hackers to
send specific links to the customers and if the links are clicked then the credentials will show to the
hackers. Equifax website is facing a lot of hacking issues for many years and the infrastructure is
weird, it looks like they really don't care about the security. There is no evidence that the software
could allow a serious breach of data. The company should discuss this issue with the management
and other employees and group the computer security incident response team with the proper
planning, rules, policy, measures, security, budget, and they should work on the old IT systems that
could be lack of renewal ways and old unpatched software."Equifax software shouldn't have
allowed so much information to get access to via a breach of its public–facing web applications, it
definitely needs possible to do what happened if security was sound, Equifax servers were using
out–of–date java software"

How The Equifax Releases Details On Cyberconfidence Incident?
firm took down the stirred web form that fact day. The enterprise's intramural inspection of one's
scene continued. Upon coming across susceptibility within the Apache Struts web petition cage
because the basic assail course, Equifax patched the impressed web demand prior to bringing it
backward on the Internet.Equifax Releases Details on Cyberinsurance Incident ....
https://investor.equifax.com/news–and–events/news/2017/09–15–2017–224018832
On August 2, 2017, Equifax contacted a principal, self reliant computationalfreedom stable,
Mandiant, to help in conducting a at large, exhaustive disputative investigation to figure out the
breadth of one's incursion, not to mention the particular info impacted.
Over numerous while, Mandiant analyzed ... Show more content on Helpwriting.net ...
This prepare is approximatelytimes known as "phishing" a play at the word "trawling" since the
deceiver is fly–fishing in your deepest charge report. Typically, grifters attempt to con you in the
direction of through to providing your username and key so that one they are able to arrive to a web
story. Once they be told get right of entry to, they could use your privy message to invest status
extortion, amount your mastercards, vacate your amass reports, utter your information technology,
and grip you from your hooked up report by growing your phrase. How Can I Identify a Phishing
Webwebsite or Email? – Yahoo Safety. https://healthyty.yahoo.com/Security/PHISHING–SITE.html
If you gain an web (or time information) coming out of anyone you do not know directing you to
register to a online page, be cautious! You could have sufferd a phishing web including links to a
phishing online page.
Important: If you are in any respect in doubt a few web content, do not check in. The harmlessst
action behavior undergo tight after which return to your web spider, after which strain the URL
within your web directory's URL bar. Typing the right URL would be the most competitive thanks to
be sure to aren't alter to a impersonate website online. One of one's huge intrigues in care operation
will be the manner of working of culprit hackers. Many organizations have confidence they're too
minor a object for hackers to strike. Earlier, electronicthugs could

Preventing Theft Is Just The Tip Of The Iceberg
Data Privacy – Preventing Theft is Just the Tip of the Iceberg.
Many people have started to become aware of the issues of data security and identity theft, but what
they should really be worried about is the way data is used legally. The following talks about data
gathering and gives 5 examples of how this data can be used for, or against you. Although the
examples are local in nature, they are being replicated on a global scale. If you live in the modern
world, then you will eventually be impacted.
Big Brother: Chinese social credit score
China has always been known to keep tight control over its population through media control, and
the judicious application of social pressure. A dossier is maintained for every citizen, which ... Show
more content on Helpwriting.net ...
This is a particularly clever and insidious form of Orwellian control. It is the people around you who
willingly help by apply the pressure to make you conform (Hatton, 2015 & Stanley. 2015 & Yap,
Wong,. 2015).
Data Gathering: You are the Product.
Google: Most people have no clue as to the sheer scope and volume of data being collected.
Mention you are having money problems in your Google mail account and you might get credit
counseling ads. Visit medical site and you might start getting medical ads. All this information is
available for sale. Where you shop, what you buy, everything you have ever written and perhaps
read. This data can be used to extrapolate personal information you would never expose directly. I
would never allow anyone to open my mail. Why is it legal for them to open my email.
Other sources: Everyone it seems is into the data gathering business, banks, credit cards, search
engines, operation systems etc.. It 's big money and everyone wants in on the action.
Data Analytics: Profiling Customer
Data analytics involves the study of data for a group of people. They extract historic patterns in the
computer data like purchases, web sites, credit scores, social media posts etc. This data comes from
a myriad of sources as listed above. Using these patterns they can create profiles for these groups
and identify new members and predict their

Security Breach Research Paper
In the last decade it's amazing how technology has advanced over the years and will continue to
advance for many years to come. Every year there is a new cell phone from Apple or Samsung, with
new features that make our lives more convenient. From faster software to higher picture quality and
so on. I am unable to recall the last time I used a camera to take pictures or went to the bank to
deposit a check. Technology advances every day and many can't wait to see what's next to come.
But with new technology comes greater risk for violations of privacy. In the following research
paper I will discuss the types of security breaches and the cost associated with these breaches that
businesses around the world face on a daily basis.
First, I would ... Show more content on Helpwriting.net ...
On average the cost of an IBM breach has risen to $4 million dollars per incident. In the previous
year, a study showed that the average cost per breach was $3.79 million (Hackett, 2016). The cost of
these breaches can vary widely by the industry type, but as IBM reported it cost millions of dollars
to rectify these breaches. Its important for these companies to be aware of new technology and stay
up to date on privacy software in order to cut these cost.
In conclusion, the privacy in America will forever change as technology changes. Cell phones have
been the main source of communication among people today, but now we have computers and TV's
in our vehicles. These computer software systems can also be potentially hacked. Its important to be
aware of the viruses and software that can invade our privacy and it will continue to increase for
years to

Equifax Executive Summary
Authorized Equifax Agent
Equifax Commercial Solutions
Equifax's Commercial credit solutions provide you with all of the information you need to make
effective and profitable credit decisions while helping you turn risk into opportunity.
Commercial lending can be risky business if you don't have information to backup your decision
making. You don't want to take unnecessary chances, but you also don't want to miss important
revenue opportunities. Whether your customers are small businesses or large corporations, Equifax
offers the commercial solution that is right for you.
As authorized Equifax sales agents; we can help you select from a wide range of commercial credit
services and solutions – each one designed to make your risk decisions faster, ... Show more content
D&A's Consumer Third Party Collection services are designed to help maximize your revenue.
Commercial Third Party Collections
All companies understand the importance of cash flow and proactively pursuing slow paying
customers is one way of ensuring maximum cash flow.
Our Commercial services are solutions based and designed to help you save time and money while
ensuring that you maximize your revenue. For over 23 years, D&A Collection Corporation has been
helping companies like yours protect profits and minimize bad debt.
We offer a wide array of solutions;
Commercial First Party Call Centre
National Representation
Commercial Specialization
Customized Letter Programs
Final Demand Letters
On Line Access
Skip Tracing Department
Legal Department
High Caliber, Well Trained And Long Tenured Collection

Thank You For Calling Equifax Summary
Pat Regnier and Suzanne Woolley in their article, "Thank You for Calling Equifax. Your Business Is
Not Important to Us" discuss the issue of the Equifax data breach that happened earlier this summer.
Regnier and Woolley provide details that the data breach may have released the information of 143
million people in the U.S. and that Equifax knew about the possibility of this data breach since
March when it was made known that there was a flaw in the software. They suggest security
freezing, fraud alert, and credit monitoring your files as solutions on what you should do if you
discover that your information was released. These prevent people who have your information from
opening new cards or accounts under your name. A security freeze, however,

Essay On Critical Information Infrastructure
In many nations CII policies cowl tangible and intangible property and production or
communications networks. Australia, as indicated by the Attorney General's Department, for
instance, refers to "physical centers, supply chains, statistics technology and communication
networks." The UK's Centre for the Protection of National Infrastructure (CPNI) relates to 'essential
offerings and systems which include bodily and electronic.' The US refers back to the 'gadget and
property, whether or not bodily or digital.' As an entire, the term 'vital facts infrastructure' (CII)
refers back to the infrastructure which is related to facts and statistics belongings. For instance, a
civil aviation zone comprises of positive support along with airplanes, ... Show more content on
Helpwriting.net ...
Data Leak, Critical Information Infrastructure, and the ....
https://www.scribd.com/document/208597967/Data–Leak–Critical–Information–Infrastructure–
and–the–Legal–Options–What–does–Wikileaks–teach–us
The protection of CII has been an international concern. It was reported by the OECD in May 2008
that many countries have national plans or strategies for protecting critical infrastructure. These
policies generally define 'critical infrastructure' as physical or intangible assets whose destruction or
disruption would severely undermine public safety, social order and the fulfillment of essential
government duties. Such harm would by and large be cataclysmic and extensive. Wellsprings of
significant framework hazard could be regular (e.g., tremors or surges) or human–made (e.g.,
psychological oppression, undermine).
This worry is reasonable given the way that we s step into an electronic environment where most
documents are being digitized and transactions computerized, such as what is happening with
revenue collection and many other applications. Given the security challenges that face electronic
environment such as this, we are left with one nagging question, 'how secure are those systems?' The
answer to this question will undoubtedly have a significant implication on

Credit Bureau Research Paper
Understanding the Credit Bureaus
In order to fully understand credit and the reporting process, we must first understand who the credit
bureaus are. Hopefully we can help you with this article to understand the history of "The Big 3":
the most commonly used credit bureaus or consumer reporting agencies and their role in the credit
reporting process.
A credit bureau is essentially an aggregator of information on consumers. Each and every time you
fill out a credit application, miss or make a payment, and obtain a mortgage or a car loan or just
about anything that has to do with the extension of credit (some one else's money), the credit
bureaus are involved and more than likely aggregating or collecting that information.
The credit bureaus have made a very profitable business out of helping lenders like banks, mortgage
banks, credit card companies and auto loan lenders assess "credit worthiness" or in laymen's terms a
consumers ability to pay back a loan. The credit–scoring model is a risk assessment in the form of a
score. This assessment or credit score is one of the leading decision makers of interest rates and
other terms of a loan. Consumers with poor or low credit scores will pay a higher annual interest
rate than consumers with high credit scores. ... Show more content on Helpwriting.net ...
The Big 3 Credit Bureaus or Consumer Reporting Agencies
There are many smaller credit bureaus but the vast majority of lenders today use one or more of the
"Big Three" credit bureaus.
Equifax
Founded and currently based in Atlanta, Georgia, Equifax is the oldest of the three; Founded in 1899
as Retail Credit Company, Equifax now gathers and maintains information on over 400 million
consumers

Arguments Against Equifax
Dealing ethically with our customers, employees and others We do not compromise our ethics for
the sake of meeting our sales, profit or other targets or goals. Steering a customer to an inappropriate
or unnecessary product harms the customer, damages our reputation and may be illegal in certain
situations and jurisdictions. Never take unfair advantage of anyone through manipulation,
concealment, abuse of confidential business or personal information, misrepresentation of material
facts, or any other unfair–dealing or unethical business practice. If you discover misrepresentations
or misstatements in information provided to customers or the public, consult your Manager about
how to correct those statements. All applicants for employment ... Show more content on
Helpwriting.net ...
Equifax used a software tool known as Apache Struts that supported Equifax's online dispute portal
web application. Equifax, one of the 3 credit reporting agencies in the US, announced they had a
security breach between May and August of 2017, potentially compromised Personal Identifiable
Information may include Social Security numbers, birth dates, addresses and, in some instances,
driver's license numbers of 143 million Americans and 100,000 Canadians. Equifax didn't take down
the web portal as soon as they knew the software was vulnerable and Equifax has not said anything
about why they waited until September 7th before announcing the cyber incident. Could it be that
the hacking was too embarrassing for a proud company to announce, or was there another reason?
Some financial institutions were totally unaware that the loan applications they were processed
through Equifax could be fraudulent .These companies were unable to consider whether they
required other source of credit report of identification and information to identify that they were not
processing credit applications for fraudsters. What's next? Canadians got a letter in the mail if
they're

Equifax Fraud Essay

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Equifax Fraud Essay