Headlines
  • False or misleading informations are spread by organizations posing as legitimate media outlets in an attempt to twist public opinion in favor of a certain ideology.
  • On social media,watch out for fake messages,pictures,Videos and news.
  • Always Check Independent Fact Checking Sites if You Have Some Doubts About the Authenticity of Any Information or Picture or video.
  • Check Google Images for AuthThe Google Reverse Images search can helps you.
  • It Would Be Better to Ignore Social Media Messages that are forwarded from Unknown or Little-Known Sources.
  • If a fake message asks you to share something, you can quickly recognize it as fake messege.
  • It is a heinous crime and punishable offence to post obscene, morphed images of women on social media networks, sometimes even in pornographic websites, as retaliation.
  • Deepfakes use artificial intelligence (AI)-driven deep learning software to manipulate preexisting photographs, videos, or audio recordings of a person to create new, fake images, videos, and audio recordings.
  • AI technology has the ability to manipulate media and swap out a genuine person's voice and likeness for similar counter parts.
  • Deepfake creators use this fake substance to spread misinformation and other illegal activities.Deepfakes are frequently used on social networking sites to elicit heated responses or defame opponents.
  • One can identify AI created fake videos by identifying abnormal eye movement, Unnatural facial expressions, a lack of feeling, awkward-looking hand,body or posture,unnatural physical movement or form, unnatural coloring, Unreal-looking hair,teeth that don't appear natural, Blurring, inconsistent audio or noise, images that appear unnatural when slowed down, differences between hashtags blockchain-based digital fingerprints, reverse image searches.
  • Look for details,like stange background,orientation of teeth,handsclothing,asymmetrical facial features,use reverse image search tools.

More Details

How to read a credit report

Once you know how to read a credit report, you’ll have a better sense of what to look for:

You have a different credit report at each of the 3 national credit bureaus: TransUnion, Experian and Equifax. Each bureau’s report may have information from different sources reported at different times. If this sounds overwhelming, don’t worry. Once you know how to read a credit report, you’ll get a good idea of the categories of information all credit reports show. You’ll also have a better sense of what to look for. So let’s jump right in.

Personal Information

Each of your 3 credit bureau reports shows basic identifying information like: name, current and past addresses, date of birth and employer. There’s also a space for a consumer statement, a place where you can explain certain parts of your credit report.

Look for:

  • Inaccurate information: Sometimes you’ll see your name or address spelled in different ways because whoever reported your information had it that way in their records.
  • Unfamiliar addresses: This could be a sign someone is using (or is trying to use) your information fraudulently.

Inquiries
This section lists creditors who’ve asked to see your credit report. When you apply for credit—a mortgage, credit cards, car loans and all sorts of other kinds of financing—the company considering giving you that credit will almost always pull your credit report to evaluate whether giving you the credit is worth the risk. This request is called a credit inquiry.

The reports you see show “hard” and “soft” inquiries. Hard inquiries are those that happen when you apply for credit cards or other types of loans and they stay on your report for 2 years. “Soft” inquiries, which aren’t listed on the reports creditors see, come from companies making you credit offers.

Look for:

  • How many inquiries are listed: This is a good way to pay attention to how often you’re applying for credit. Too many hard inquiries may be viewed by creditors as a negative.
  • Unfamiliar inquiries: If you see any of these, investigate them immediately. You may have just forgotten about a credit application you made last year, but it also may be a sign a criminal has applied for credit in your name. Better to double check now than be sorry later.

Accounts

This area of the credit report lists all your accounts, open and closed, active and paid, individual and joint. For each account, you’ll see information on: 

The loan/credit itself

The creditor (including contact info)

Balance

Account status

Monthly payment history

Whether or not you paid on time 

Look for:

Unfamiliar accounts

If you see an account you don’t recognize, follow up with the creditor to verify it. It may be a sign someone has fraudulently opened an account in your name.

Negative information

 Look for any late payments or accounts in collections. By law, the credit bureaus must remove most kinds of negative information from your report 7 years after the information first appeared on the report. 

Public records

If you have court judgments against you, they will be listed along with the settlement amount and the date the record will be expunged. This section also may show information about tax liens and bankruptcies.

Look for any listings, whatsoever

 Public records showing up on any of your 3 credit bureau reports can seriously impact your credit. If there is anything listed in this section, make sure it’s accurate. If it isn’t, dispute it with the credit bureau as soon as possible. 

Take the next step: protect your credit and start saving money.

This Article Was First Published in True Credit

This article was first published on True Credit

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