Credit reporting agencies collect data on you. Then they charge customers, (banks, or others considering loans), money to use that data. They also charge you to try to protect that data.
When one of them was breached, Equifax, it affected 143 Million Americans. I tried over 10 times to freeze my accounts waiting on hold for hours. In 2018 Congress decided to take no action. This, even though the breach may have been more serious that initially realized. Some even claim this treasure trove of data is a ticking time bomb waiting to happen again.
A spot of good news, the Georgia Senate voted 51-0 on Thursday to give final approval to a bill that would prevent credit reporting agencies from charging customers to lock their credit reports. A locked or frozen credit report can’t be changed.
The Certified Authorization Professional (CAP) certification identifies enterprise system owners and security officers who authorize and maintain information systems, with a focus on balancing risk with security requirements and countermeasures. The CAP credential is aimed at the private and public sectors, including U.S. federal government agencies such as the State Department and the Department of Defense (DoD). Achieving the certification helps DoD personnel comply with the 8570 Mandate.
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