Consumer Reports June 2012 Cover

Yonkers, NY (PRWEB) May 03, 2012

Nearly 13 million U.S. Facebook users do not use, or are not aware of the site’s privacy controls, according to a new Consumer Reports investigation on Facebook and privacy, potentially exposing personal information beyond their network of Facebook friends. The report also revealed that a projected 4.8 million people have posted about where they planned to go on a certain day, a potential tip-off to burglars, while 4.7 million have “liked” a Facebook page about health conditions or treatments, details that insurers might use against them.

The full report can be found in the June 2012 issue of Consumer Reports and online at ConsumerReports.org

The Consumer Reports investigation focused on Facebook as it is the largest social network with just over 900 million users worldwide and more than 150 million users in the U.S. The service makes it easy for populate to keep up with friends, family and colleagues, discover great limit, and connect to causes. Consumer Reports notes that to deliver this service, Facebook and other social networks collect enormous amounts of often highly sensitive information and distribute it wide and quickly.

Consumer Reports points out that all of this data collection is not without risks. A projected seven million households using Facebook said they had disturbing last year, running from someone using their log-in without permission to being harassed or threatened – up 30 percent from the previous year, according to the Consumer Reports Annual State of the Net survey. And unless an individual has chosen their privacy settings meticulously, one of their friends who runs an app could grant it access to their information without their knowledge, including information that was set to “friends” only view. Only 37 percent of users say they have used the site’s privacy tools to customize how much information apps are allowed to see, according to the Consumer Reports survey.

“Facebook really is changing the way the world socially communicates and has become a successful service in part by leveraging copious amounts of personal data that can be spread far wider than its users might realize,” said Jeff Fox, Consumer Reports Technology Editor. “Our investigation revealed some fascinating, and some disquieting trends – but ones always worth knowing for consumers who wish to keep their personal data under better control.”

What does Facebook know?
Americans feed all kinds of personal details into Facebook’s vast database by posting status updates on their “wall,” updating their profile, “liking a page,” or using other Facebook features. The numbers below show how many people engaged in each activity during the past 12 months, based on projections from the Consumer Reports State of the Net survey:

    39.3 million identified a family member in a profile     20.4 million included their birth date and year in their profile     7.7 million “liked” a Facebook page pertaining to a religious affiliation     4.6 million discussed their love life on their wall     2.6 million discussed their recreational use of alcohol on their wall     2.3 million “liked” a page regarding sexual orientation

While some privacy or security issues arise from poor choices Facebook users themselves make, other problems can stem from the ways the company collects data, how it manages and packages its privacy controls, and the fact that users’ data can wind up with people or companies with whom they did not intend to partaken. Some users might be surprised to know that Facebook gets a report every time they visit a site with a “Like” button, regardless of whether or not they click on that button, have a Facebook account, or are even logged in.

For its part, Facebook says it takes privacy and safety published seriously. CEO Mark Zuckerberg has said that the company does privacy access checks tens of billions of times each day. The company has also announced that it would offer users greater access to records of their past Facebook activity. In addition, it says it watches vigilantly for apps that misbehave. According to a company spokesperson, “We have a dedicated team that reviews apps using a risk-based approach to ensure we address the biggest risks, rather than just doing a cursory review at the time an app is first launched.”

Better protections
Consumers Union, the advocacy arm of Consumer Reports, wants a national privacy law that holds all companies to the same privacy standards and lets consumers tell companies not to track them online. It also supports the Obama administration’s effort to bring industry and privacy groups together to set clear rules for how personal data is collected and used. Additionally, Consumers Union launched a petition urging Facebook to improve privacy controls and address concerns about sharing practices. The petition is highlighted in a CU policy ad appearing in Politico which can be found at hearusnow.org.

It addition to the privacy safeguards that Facebook already has in place, Consumer Reports notes that the company could also fix a security lapse that permits users to set up weak passwords including some six-letter dictionary words. And it could help users avoid inadvertently sharing status updates with the public, either by alerting them more prominently when they are about to do so or by changing the default audience for posts to the user’s preferred audience.

Nine ways to stay protected
Facebook offers many privacy controls that may not be easy for layfolk to understand. A new study by Siegel+Gale, New York-based consultants, finds that Facebook’s and Google’s privacy policies are tougher to comprehend than the typical bank credit card agreement. Below are nine tip from Consumer Reports that will help users understand and utilize privacy tools:

    Think before typing. Even if an user deletes his/her am (which takes Facebook about a month), some info can remain in Facebook’s computers for up to 90 days.     Regularly check Facebook exposure. Each month, users should check out how their page looks to others. Review individual privacy settings if necessary.     Protect basic information. Set the audience for profile items, such as town or employer. And users should remember: Sharing info with “friends of friends” could expose them to tens of thousands.     Know what can’t be protected. Each user’s name and profile picture are public. To protect one’s identity, they should not use a photo, or use one that doesn’t show their face.     “unPublic” the wall. Set the audience for all previous wall posts to only friends.     Turn away Tag Suggest. If users would rather not have Facebook automatically recognize their face in photos, they could disable that feature in their privacy settings. The information will be deleted.     Block apps and sites that snoop. Unless users intercede, friends can share personal information about them with apps. To block that, they should use controls to limit the info apps can see.     Keep wall posts from friends. Users don’t have to partake every wall post with every friend. They can also keep certain people from viewing specific items in their profile.     When all else fails, deactivate. When an user deactivates their been, Facebook retains their profile data but the account is made temporarily unaccessible. Deleting an account, on the other hand, makes it inaccessible forever.

Inside the June 2012 issue of Consumer Reports
Additional findings from Consumer Reports latest State of the Net Report are featured in the June issue of Consumer Reports magazine available on newsstands on May 8th or online at ConsumerReports.org. In addition to the cover article on Facebook and user privacy, the issue also features a broader report on online security and what consumers can do to protect themselves.

Consumer Reports State of the Net Survey Methodology
Consumer Reports National Research Center conducted the annual State of the Net survey from January 16 – 31, 2012. A sample of 2,002 members of the TNS interactive consumer online panel over the age of 18 with a home Internet connection participated in the survey. The findings are nationally representative of Internet households. The margin of error for the full sample was ± 2 percentage points at the 95% confidence level.

About Consumer Reports
Consumer Reports is the world’s largest independent product-testing organization. Using its more than 50 labs, auto test center, and survey research center, the nonprofit rates thousands of products and services annually. Founded in 1936, Consumer Reports has over 8 million subscribers to its magazine, website and other publications. Its advocacy division, Consumers Union, works for health reform, food and product safety, financial reform, and other consumer issues in Washington, D.C., the states, and in the marketplace.

Attachments

This will be a series of videos to help you repair your own credit. Our credit was improved by more than 100 points in less than 2 months. Disclaimer: I am not a licensed professional. I am not a financial advisor. I am not insured or bonded. I recommend that you use well thought out techniques and seek the advise of an attorney. I cannot guarantee that your results will be as successful as mine. Check out the information listed for yourself. At the time of this production all of this information was current, but times change so please verify this at the time that you use it. Use this at your own risk; we are not responsible for any results of this information be it good or bad.
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Answer by gottaknow08
I believe this will not affect a person’s credit score. I am not sure if you qualify for this but US law requires the three agencies to give you a free copy of your credit report each year. http://www.ehow.com/how_2204949_free-credit-report.html

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Credit bureaus can be a pain, but knowing how to deal with them is important. The way to stay on top is to persist in correcting and controlling the information they maintain about you, as this video explains. Money and credit matters can be confusing, especially if you’re new to the subject and don’t really know what you’re doing. What is credit and what are credit-reporting agencies? Here are a few thoughts that may help. Credit is, first of all, your financial reputation, or the credibility and reliability you have as a consumer. There are three primary credit reporting agencies in the United States: Equifax, Experian, and Trans Union. These agencies track activities you take that have an affect upon your finances. The information they track ends up in what is called a credit file. Your credit file can be accessed by employers, lenders, or any other qualified person so they can make decisions regarding your financial reputation and reliability. The key to dealing with credit-reporting agencies is to stay aware of the information they have and keep them updated on what you’re doing. If you discover some of the information in your credit file is incorrect, it’s up to you to correct it. Make the necessary calls and remedy your report so it’s accurate. Dealing with credit reporting agencies may be a hassle with some long phone calls and time on hold, but the way to prevail is to stay proactive and aware of what’s going on with your credit report.
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A New Horizon Credit Counseling 1-800-556-1548

Fort Lauderdale, FL (PRWEB) January 03, 2012

National Foreclosure Mitigation Counseling (NFMC) in a report issued by NeighborWorks America reported that homeowners who received NFMC counseling were nearly twice as likely to obtain a mortgage modification. Those homeowners also received a new payment that averaged $ 176 lower than before. Even more important, the report found that 67 percent of the homeowners were more likely to remain current on their mortgage nine months after receiving the modification states A New Horizon Credit Counseling Services, a nonprofit credit counseling organization that has been helping consumers since 1978.

Stephen Marcus, President of A New Horizon Credit Counseling Services said, “The program also provides the homeowners with more long-term sustainability. Not because of the payment reduction, but because of the financial counseling that is a part of foreclosure prevention and helping homeowners improve their financial management skills”.

The study was conducted to compare the counseling provided by NFMC with mortgage modification applications from individuals without assistance.

A New Horizon provides credit counseling, financial education and debt management assistance for distressed consumers. “A well planned debt management program, in conjunction with proper financial skill training and assistance through a mortgage modification is a powerful solution to the anguish caused by foreclosure,” added Marcus.

If a homeowner is faced with difficulty paying their mortgage, experts advise that they don’t avoid the problem, instead take action immediately. The further behind you fall on your mortgage payments, the more difficult it is to cure the defaults and the more likely you are to lose the home. Contact your lender who can suggest options to help the borrower and be prepared to explain your financial hardship. Consult with a Certified Credit Counselor at a reputable credit counseling organization and consider a debt management plan to assist with your other finances.

A New Horizon Credit Counseling Services is a nonprofit debt consolidation organization that has been helping consumers since 1978. For more information about their programs, contact 1-800-556-1548.

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Answer by SPIFIMAN1
This requires an account with the credit bureaus and if you are truly updating information you should know whole about this already.

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Answer by swflsteelerfan
Pay attention closely. Credit can be pulled from any and all agencies regardless of length of time. Most if not all companies will sell their old debt to another collection agency, thus keeping the previous debt still active, regardless of time.

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