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Therefore, its important that every individual takes step to maintain a good credit history.
How to build a good credit history
Once the importance of credit is understood, the next step is to take measures to build or maintain a good credit score and history. It is not rocket science to have a good credit history. Some amount of restraint and basic financial discipline is all that is required to get a clean credit history.
For starters, one should learn to live within his or her means. Impulse shopping should be avoided at any cost. A better way to buy products is to plan and save for them. This can get the buyer out of credit troubles because the real pinch of money will be realized only when the dues have to be paid. It is also equally important to have good financial planning and disciplined...
All bills have to be paid on time to give a boost to one's credit score.
Its also a good idea to check the credit report from time to ensure that there are no faulty entries in it. If there is any kind of wrong information, it can be disputed and if found incorrect, it will be removed from the credit report. This prevents the person from being held liable for something that was not done by him or her.
In short, regular checking of one's credit report and adhering to financial discipline like paying bills on time and living within one's means can go a long way in giving a boost to one's credit background. This can result in getting good jobs that require high security clearance. Therefore, every student should concentrate on financial discipline besides good scores in the examination.
Cyber Crime Task Force "Are computer vulnerabilities growing faster than measures to reduce them? Carelessness in protecting oneself, tolerance of bug-filled software, vendors selling inadequately tested products, or the unappreciated complexity of network connectivity has led to…abuse…" (Lukasik, 2011). The evidence is overwhelming that cyber crimes are not only increasing each year, but the sophistication of the attacks is greater each year and the impacts of attacks are more severe each year
Most of these systems should be programmed to prompt for username and password in order grant access. This is therefore a way of providing verification to the user. The passwords should be changed regularly in order to make the system more secure. The password should comprise of very hard- to- guess alpha numeric characters Organizational techniques of prevention In order to combat cyber crime, various governments and organizations should come up with special
Part of the problem is that America's national crime reporting systems, such as the National Incident-Based Crime Reporting System and the Uniform Crime Report Program managed by the Federal Bureau of Investigation (FBI) in cooperation with thousands of U.S. law enforcement agencies, do not specifically identify or distinguish between many forms of online crimes. Nor do they effectively distinguish between traditional in-person forms of crime that are substantially facilitated
These "stepping stone" computers can be located anywhere in the physical world because real-space is irrelevant to activity in cyberspace (Brenner, 379)." The use of stepping stones can make it difficult for law enforcement to find where an attack actually originated. As was previously mentioned in this discussion, Hackers are often used by companies to develop stronger security. Hackers often perfect their techniques at conventions that also feature hacking competitions.
In this scenario, "if a bad guy wants to take over an account, he'll have someone else speak in a different language in a different location, and that's all they do. Their expertise is calling financial institutions for social engineering" (Piazza 2006). According to Piazza (2006), cybercrime consists of any crime a person commits by using a computer or computer technology. He classifies various types of cybercrime into four
Since the late 1980s, the Council has addressed the growing international concern over computer-related crimes. In 1997, it established a Committee of Experts on Crime in Cyberspace (PC-CY) to begin drafting a binding Convention to facilitate international cooperation in the investigation and prosecution of computer crimes. The United States actively participated in both the drafting and plenary sessions (Chawki). The Convention stipulates actions targeted at national and inter-governmental levels, directed