Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
Most children born after 2002 use technology on a daily basis, and it’s important for parents to know how to protect their children online—specifically when using apps.
The FTC has published studies on privacy disclosures on children’s apps annually since 2012. The inaugural reports, “Mobile Apps for Kids: Current Privacy Disclosures are Disappointing” and “Mobile Apps for Kids: Disclosures Still Not Making the Grade,” uncovered that a staggering amount of apps share user information with third parties, unbeknownst to the children who are using those apps.
The key to keeping hold on what apps are putting your child’s security at risk is to investigate their privacy practices. Easy enough, right?
Well, not exactly.
In the most recent survey, 45 percent of the 364 apps tested turned out to have privacy practices available only after downloading. An additional 38 had privacy practices available in harder-to-find places, the FTC reports, such as through a link to a developer’s website.
The kind of privacy data in question includes children’s geolocation data, photos, videos, and audio recordings, as well as persistent identifiers such as cookies that can track a child’s activity online.
Seek out age-appropriate apps for children
Chris O’Shea, founder of Cowly Owl, a London-based children’s app company, says that his biggest advice to parents is to stick to apps that are made for their child’s appropriate age group.
Parents should also beware of free apps, especially those riddled with pop-up and other forms of advertising that can take children out of the app and onto a third-party site, putting them at risk.
“Not only could the advertising not be age appropriate, but the advertising networks that they use can often track your device across apps to build up a behavior pattern of what your interests are,” O’Shea says.
COPPA can help protect children’s information
The Children’s Online Privacy Protection Act (COPPA) was established in January 2014 by the FTC to place parents in control over what information is collected from children online.
“The rule also applies to websites or online services that have actual knowledge that they are collecting personal information directly from users of another website or online service directed to children,” the FTC states in its COPPA FAQs.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.