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Are you hoping to buy a house or apply for a car, personal, or business loan at some point? A great credit score helps to achieve all those things. You never know the twists and turns life might take you, so even if these financial milestones aren’t on your radar now, it’s nice to know that a great credit score will open many doors for you when you’re ready. The better your credit score, the more likely you are to get the loan you want at the best interest rate. People spend years (even decades!) working to improve their credit scores to unlock numerous opportunities. In the blink of an eye though, a credit fraudster can erase all that hard work and inflict long-term credit damage. It can cost huge sums to repair and take years to correct.
Many people feel lost on how to prevent these problems or what to do if they suspect identity theft. Luckily, new McAfee services called credit lock and security freeze, which includes credit freeze, are great tools to add to your credit protection toolbelt. They’ll help protect your most personal information from thieves, and both services will help give you the peace of mind you need to confidently go about your day.
Keep reading to learn more about McAfee’s credit lock and security freeze and find out how you can use them to help you from the negative consequences of identity theft.
Credit fraud is a type of identity theft where a criminal uses your information to borrow money, open a new credit or debit card, or uses your card to make purchases that they never intend to pay off. Then, when the loan defaults and the bills stack up, the victim is often left with their credit score in shambles.
According to the FTC, credit fraud is the most common type of identity theft in 2020 and 2021, receiving nearly 18,000 reports from people saying that someone used their information to gain illegal access to their credit card accounts.1
To make sure we’re all on the same page, here are quick definitions of McAfee’s credit lock and security freeze services.
A credit lock and a credit freeze both stop companies from accessing your credit information without your consent when an application for a loan or credit card is submitted. The main difference lies in their speed and credit bureau coverage. By toggling a switch in the McAfee Protection Center, turning on a credit lock is almost instantaneous. A credit freeze can take up to a day to enable or remove; however, it may offer stronger financial loss protection in most U.S. states if an unauthorized line of credit goes through while all three credit bureaus are frozen. Also, McAfee’s credit lock stops one credit bureau from accessing your account, while a credit freeze enables you to halt all three.
Just make sure that you unlock and unfreeze your credit before you do the following:
These are all situations where a bank or creditor will need to access your credit files. Luckily, with significant purchases and financing opportunities like these, you usually plan ahead, so you should have plenty to time to enable access to your credit. To unlock your credit, just click the credit lock toggle. To unlock a freeze, use the same provided links, sign into your account, and follow the instructions from there.
To further help you decide which service may be best for your needs, here are the situations where credit lock and credit freeze would be most helpful.
McAfee credit lock lets you simply toggle on and off one credit bureau’s ability to access your credit report. Usually, filing a lock on your credit with a bureau requires filling out forms and remembering a PIN to apply or remove a lock. Not with McAfee’s credit lock! You can turn a lock on and off at will through the McAfee Protection Center.
Convenience and blazing speed are ideal in situations where you’re worried that a criminal has your personal information and may use it to open accounts in your name that could then damage your well-earned great credit. Some people may choose to always have the credit lock enabled and only unlock it when they’re applying for a credit card or loan. That way, they can feel better about the safety of their credit score.
Credit freeze provides protection and peace of mind just like credit lock; however it enables you to freeze your account at all three major credit bureaus. When creditors check your credit score, they could do so with any credit bureau. If you only freeze one bureau’s access to your information, that still leaves the other two to make inquiries, so it’s important to set up a freeze for each one to cover all your bases.
As mentioned, a credit freeze is just one type of security freeze offered by McAfee. If you’re worried about an identity thief opening not just credit cards, but also utility and/or bank accounts in your name, McAfee’s utility freeze and bank freeze may be additional services for you. Security freeze helps stop unauthorized fraud attempts by giving you quick links and phone numbers. Having all these contact details in one place really speeds up the process and takes the guesswork out of if you’re contacting the correct offices.
Dealing with identity theft or credit fraud is a scary and stressful situation. That’s why McAfee is here with tools that help you protect you. Credit lock and credit freeze may help you feel calmer in a situation of suspected or real identity theft and gives you peace of mind to help prevent credit fraud from happening in the first place. Speed is of the utmost importance when foiling a criminal, so both solutions are easy to use with intuitive design so you’re not wasting time trying to figure out how they work. Plus, neither will affect your credit score. They just stop creditors from looking at your credit files, while you continue to boost your credit with your smart habits.
With both credit lock or credit freeze in your back pocket, you can feel more secure knowing you’re better protected from credit fraud.
1Fortunly, “20 Worrying Identity Theft Statistics for 2022”
The post Credit Lock and Credit Freeze: Which Service Is Best for You? Both! appeared first on McAfee Blog.
All the kids are doing it, and so can you.
If you haven’t hopped onto a video chat with the family yet, the holidays are a great time to give it a whirl. While there are plenty of apps and services out there for video chatting, I put together a quick list of the more no-nonsense options.
Broadly speaking, I selected video chatting apps that are free, relatively straightforward, and possibly something you already have on your smartphone, tablet, or computer. From there, I also offer up some advice that can keep you and your family safe while you chat. Let’s take a look …
One of the easiest ways to hop onto a video chat is with your smartphone or tablet. They can save you a bit of configuring and fiddling around with settings because these devices have cameras, microphones, and video chat apps already built in. In that way, they’re optimized for video chat, so using one of them is practically “point and shoot.”
Depending on what smartphone or tablet you have, you have a couple of leading options:
Pre-installed on iPhones and iPads, FaceTime can connect up to 32 people on iOS and Mac OS devices at one time. That way, if you want to chat with a few family members at once, you can have plenty of people join in. Note that only iOS and Mac OS devices can use FaceTime, so the person you want to chat with will need FaceTime on a iOS or Mac OS device as well. Connections are quite simple. In fact, as simple as making a phone call. You can start a FaceTime call with a tap of family members in your contact list. Your device does the rest.
Google Duo is a voice chat app much akin to FaceTime that’s found on plenty of Android phones and tablets. However, it differs from FaceTime because it’s available for multiple platforms. For example, there’s a Google Duo app for iPhones, so if your grandkids have iPhones, they can install the Google Duo on their iPhones and have a chat with you on your Android phone.
Also, you can use Google Duo on a web browser without an app by clicking here. That’s a great option if you have a camera-ready laptop or computer—which we’ll talk about more next.) Google Duo also features “Family Mode” where you can put on masks and make doodles on the screen if you’re signed in with a Google account.
If you don’t have a smartphone or tablet, there are still plenty of options that are free and relatively easy as well.
For starters, you’ll need a laptop or computer with a microphone and camera, which is more or less standard in laptops today. If your laptop or computer doesn’t have that combo already, not to worry. There are plenty of moderately priced web cameras that include a microphone. I suggest getting one with a physical lens cap. That way it always protects your privacy. Likewise, you can always disconnect yours when it’s not in use.
With that, here are a few options for video chatting on your computer:
Originally aimed at a business audience, families and schools quickly latched on to Zoom for its ease of use at the start of the pandemic. Zoom offers unlimited time and unlimited calls for one-to-one meetings yet has a 40-minute limit once there are more than two devices connected. While there’s an app available, I recommend that you set up a free account and run it through a browser window. That way, you don’t have to deal with an install and you’ll always have the latest security protocols in play.
Skype from Microsoft has been around for a long time, getting its start back in the early 2000’s as a voice and text chatting app. Today, it comes standard on Windows PCs and supports apps for all kinds of tablets and smartphones too. Up to 50 people can join, which is of course plenty. If you want to create a video chat without an account, you can simply visit this page and start an instant video chat with a click. That’ll give you a link that you can copy and share with your family. And when they click on that link, you’ll all be connected.
Free to anyone with a free Google Gmail account, you can use Google Meet just by clicking its icon from your Google apps menu or by visiting https://meet.google.com/. Originally designed for businesses, governments, and schools, this premium product is now available to all. Some nice features include the ability to schedule a meeting with your family using Google Calendar and additional security features that help make sure your call is private. Like Zoom and Skype, it can run in the window of your browser, so there’s no app to download and install.
As I mentioned above, there’s practically setup when it comes to running a video call on your smartphone or tablet, as they’re already configured for video. Computers, however, may take a little more effort.
The first thing is to make sure that your microphone, speakers, and camera are all set up and ready to go. If you have a Windows computer, you can check out this quick article to get your audio set up and this article for setting up your camera. For Macs, check out this article for audio and this article for video.
From there, you can log into your video chat app or service of choice and give your audio and video a test just to make sure everything is a go. You can do this before you make a call by starting the app as you normally would and then clicking on the menu item for “Settings.” Each app handles it a little differently, yet the interface should show you if it detects your camera, microphone, and speakers. Once you’re set up, you likely won’t have to go back in and do it again.
Now, it’s time to think like a movie director. As you might think, the camera angle and lighting in your room make all the difference on a video chat.
In a way, the camera is the way you’ll make eye contact with your family. Set the camera or hold your device so that it’s at eye level with you. That way, it’ll appear like you’re making eye contact with them. Few things feel stranger on a video chat than a camera angle that appears to have you looking down at them (and with them looking up your nose in return).
As for lighting, avoid sitting with a light source behind you. The camera will adjust itself to the light source instead of you, putting your face in the dark. Instead, look to have a light source that’s in front and a bit off to the side from you. That’ll light your face without washing out your face in harsh light. Likewise, if you’re sitting in front of a computer monitor while you’re chatting, see if you can lower the brightness on the monitor. That’ll keep your video looking great as well.
Once you’re all set up, here are a few things that will help keep your calls private and secure.
If you’re initiating the chat, be sure to create a password that that uninvited parties can’t join the call. Also, don’t be shy about asking your family members to use a password on the calls they initiate. It’s pretty much a standard practice nowadays.
Many services, like Zoom, allow people to join a video chat by clicking a link. As with any link that’s sent to you, be sure that it’s legitimate. Confirm the link with the family member who sent it, particularly if you weren’t expecting one.
Likewise, make sure that you’re using comprehensive security software that protects you from scam emails and links, plus block links that could send you to sketchy websites. That way, if you do get sent a bogus invite link from a scammer, you’ll be protected.
When you click a link to join a video call from your computer, it will open a new browser tab that will prompt you to join the call. Often, there will be an option to “join using the app,” which your browser will automatically download if you click that option. However, the easiest way to join is by clicking the option to “join using my browser.” In addition to being a no-fuss option, it also means one less app on your device to keep current.
Aside from giving you the latest features and functionality, updates also often include essential security improvements. Set your computer to update itself automatically and consider using security software that will scan for vulnerabilities and install updates automatically as needed.
With the holidays upon us and the and New Year on the horizon, now’s a great time to give video chatting a try. As with any new app you try, do a little research of your own before you download it. Check out the news reviews to see if it’s right for you or if there have been any security concerns.
I hope this overview gives you a great start and that it becomes just one more of the many ways you keep in touch, whether during the holidays or year ’round.
To stay updated on all things McAfee and for more resources on staying secure from home, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Zooming with the Grandkids: Five Easy Video Chat Apps for the Holidays appeared first on McAfee Blogs.
Free VPNs May Still Come with a Price
If we’re being honest, many of us are consuming a lot of online content these days, whether it be for work, education, or sheer entertainment. I know my family is trying to balance what we need to do online, like meetings and classes, with fun activities like streaming movies, given that we are all spending more time safely at home.
But as a security professional what I’m really concerned about is how we are connecting to all this digital content. There has been a surge in VPN (virtual private network) downloads so far this year, showing that users are concerned about their online privacy, which is a good thing.
As you may know, a personal VPN is simply a piece of software that can establish a secure tunnel over the internet, offering you both privacy and freedom from IP-based tracking. It protects your identity and financial information by encrypting, or scrambling, the data that flows through the tunnel, and can mask your true location, making it appear as though you are connecting from somewhere else.
However, the myriad of VPN options—from free, to paid, to “freemium” (limited products offered on a trial basis for free, hoping customers will invest in more comprehensive, paid versions)—can be confusing and cause some customers to walk away unprotected. This is unfortunate, because here at McAfee we’ve recorded a growing number of network attacks, including targeted attacks against a variety of business and educational enterprises.
These threats mean that we need to do our best to ensure that our sensitive information stays safe, which is why I’d like to take a look at the difference between free VPNs and premium VPNs.
Sometimes a VPN is included in more robust security software, as it is in McAfee® Total Protection, but often it is a standalone tool, that is offered either at a monthly subscription rate, or for free. While it may be tempting to go for a free option, there are some serious considerations that you should take to heart.
Since free VPNs are not making money directly from their users, many make revenue indirectly, through advertising. This means that not only are users bombarded with ads, they are also exposed to tracking, and potentially malware. In fact, one study of 283 free VPN providers found that 72% included trackers. This is not that surprising, given that advertisers depend on gathering your personal data to better target their ads.
But beyond the frustration of ads, slowness, and upgrade prompts is the fact that some free VPN tools include malware that can put your sensitive information at risk. The same study found that 38% of the free VPN applications in the Google Play Store were found to have malware, such as keyloggers, and some even stole the data off of users’ devices.
Also concerning is how these free providers handle your data. In one worrying incident, a VPN provider exposed thousands of user logs and API access records openly on the web, including passwords and identity information.
VPNs are critical tools for enhancing our privacy and shouldn’t be an avenue for potentially opening the door to new risks. That’s why I always advise users to look for a paid VPN with the following features:
Unlimited Bandwidth —You want your network connection to stay secured no matter how much time you spend online.
Speedy Performance—We all know how frustrating a sluggish internet connection can be when you are trying to get things done. Whether connecting for productivity, education, or entertainment, we are all dependent on bandwidth. That’s why it’s important to choose a high-speed VPN that enhances your privacy, without sacrificing the quality of your connection.
Multiple Device Protection—These days many of us toggle between mobile devices, laptops, and computers, so they should all be able to connect securely.
Less Battery Drain—Some free mobile VPNs zap your battery life, making users less likely to stay protected. You shouldn’t have to choose between your battery life and safeguarding your privacy.
Ease of Use— As I’ve written recently, for technology to really work it has to be convenient. After all, these technologies should power your connected life, not serve as a hindrance.
Fortunately, we don’t have to sacrifice convenience, or pay high prices, for a VPN that can offer a high level of privacy and protection. A comprehensive security suite like McAfee Total Protection includes our McAfee® Safe Connect standalone VPN with auto-renewal and takes the worry out of connecting, so you can focus on what’s important to you and your family, and enjoy quality time together.
Stay Updated
To stay updated on all things McAfee and on top of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.
The post Free VPNs May Still Come with a Price appeared first on McAfee Blogs.
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