OnGuard Online Blog

An Online Payday Loan Or Window To A Scam?

Strapped for cash? You might think an online payday loan is a quick and easy way to help stretch your money. But before you enter your bank account or any other personal information on a payday loan website, back away from the keyboard! That online payday loan might be a window to a scam.

Data Privacy: Taking It Personally

Quick. In 2012, what was the number one complaint submitted to the FTC?

You guessed it: Identity theft. And it has been the number one complaint for 13 years straight.

That makes Data Privacy Day the ideal time to think about how you can protect your identity.

Latanya Sweeney, the FTC’s Chief Technologist, recently told us that something as simple as an online resume could be a treasure trove for identity thieves. It turns out that a web search can reveal the names, Social Security numbers, and birthdates of thousands of people because this information appears in many online resumes.

Blog Topic: Be Smart Online

The New Net Cetera: Hot off the Press

This just in: The revision of the FTC’s free guide, Net Cetera: Chatting with Kids About Being Online, is hot off the press. The booklet has updated tips for parents, teachers, and other adults to use when talking with kids about online safety and digital citizenship.

Net Cetera booklet

An Unfortunate Fact About Shopping

Another day, another announcement about a data breach.

As news trickles out about retailers that have been hacked, you may be wondering what you can do to protect yourself from fraud. Even if you’re not sure that your accounts have been affected, you can do a few things to protect your accounts, your money, and your credit reputation.

a shopper hands over a credit card

What Are You Doing on Data Privacy Day?

Data Privacy Day is just around the corner — January 28. What a good time to do something about protecting your personal information, online and off.

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Network of ID Theft Victim Assistance Coalitions – Here to Help

Being a victim of identity theft can be complicated and frustrating. While it may take time to figure out what happened and begin to fix the damage from this crime, there are programs and trained victim service providers available to help you through the process.

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Blog Topic: Be Smart Online

An In-App Surprise: How to Lose Hundreds in 15 Minutes

Quick: name a way your kids could rack up hundreds of dollars in charges in under 15 minutes without you being the wiser.

One answer: through an app on your iPhone or other Apple device.

Today, the FTC announced that it has reached a settlement with Apple, resolving allegations that the company didn’t get parental consent for many of the charges racked up by their children in kids’ games.

Who’s Watching Tax Preparers?

Have you ever wondered how ID thieves get their victims’ personal and financial information? One way you may not have thought of is dishonest tax preparers. Each year, Treasury agents investigate allegations of criminal misconduct by tax preparers — a group that plays an important part in our nation’s tax system.

Blog Topic: Be Smart Online

National Taxpayer Advocate: Help Is Available for Victims of Identity Theft

When identity thieves target taxpayers to obtain improper tax refunds, it causes serious consequences for the victim and for the IRS. The IRS is taking steps to make it more difficult for perpetrators to successfully file falsified returns using others’ personal information (prevention) and to make it more costly if caught doing so (deterrence). But as the voice of the taxpayer, my focus is on IRS’s victim assistance to those who find themselves impacted by identity theft.

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It’s Tax Identity Theft Awareness Week

Tax ID thieves are ready — are you?

Tax identity theft happens when someone uses your Social Security number to get a tax refund or a job, and it’s one of the fastest growing forms of identity theft in the U.S. You might find out it’s happened when you get a letter from the IRS saying more than one tax return was filed in your name, or IRS records show you have wages from an employer you don’t know.

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