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Massive hack of another Ransomware cyber attack

Posted by EM MAJ_COM On Saturday, May 13, 2017 0 comments
WASHINGTON – The Department of Homeland Security is aware of reports of ransomware known as WannaCry affecting multiple global entities.  Ransomware is a type of malicious software that infects a computer and restricts users’ access to it until a ransom is paid to unlock it.  Microsoft released a patch in March that addresses this specific vulnerability, and installing this patch will help secure your systems from the threat. Individual users are often the first line of defense against this and other threats, and we encourage all Americans to update your operating systems and implement vigorous cybersecurity practices at home, work, and school.
These practices include:
- Update your systems to include the latest patches and software updates.
- Do not click on or download unfamiliar links or files in emails.
- Back up your data to prevent possible loss, whether you are at a family computer or company data.
We are actively sharing information related to this event and stand ready to lend technical support and assistance as needed to our partners, both in the United States and internationally.  DHS has a cadre of cybersecurity professionals that can provide expertise and support to critical infrastructure entities.
DHS also leads the federal government’s efforts to protect civilian executive branch agency systems and networks. In partnership with each agency’s Chief Information Officer we are ensuring our own networks are protected against the threat.
For more information, DHS has previously released information on best practices to address ransomware. That information is available on our website at https://www.us-cert.gov/security-publications/Ransomware
Source: Department of Homeland Security
At QUE.com and partners, we have weekly and monthly schedule to check the security posture of our web servers and services. We also check our network of websites daily and apply updates if needed to keep it up, safe and secure.
And sometimes it is very inconvenient to apply extra layer of security because of added step, this is the reason why. We don't want to be one of the victims of any cyber attacks.
As of writing this email, the sad part is some 20+ already paid using bitcoins. They have no assurance that they will be able to get their data anyway and absolutely no refunds.
Keep in mind, when a hacker owned your computer. It is no longer yours.
If you spot a ransomware incident, take a picture of their bitcoins so we can track their activity.

Source: Que.com

Credit Tips: How to improve your credit score

Posted by EM MAJ_COM On Thursday, May 11, 2017 0 comments
Keys to a Higher Credit Score
Credit scores provide a snapshot of your financial health. Your credit score can affect everything from credit card limits to loans to your ability to rent an apartment or buy a home. A high credit score can indicate to lenders that you are likely more credit worthy while a low credit score can suggest you may be a loan risk.
How to improve your score
There are a few things you can do to improve your credit score over time. Reducing your utilization percentage helps keep your credit score up. Always paying bills when they’re due, keeping a modest balance on your credit cards and paying more than the minimum due each month will help with your credit utilization.
Build your score for the future | There are 4 key things you should do to grow your credit score for long term credit health.
1. Pay your bills on time
Paying your bills on time accounts for 35 percent of your credit score. Stay on top of your bills by creating a calendar for tracking when your bills are due. You can also enroll in auto bill payments with online banking tools to avoid paying bills late.
2. Don’t max out your credit
Keeping your account balances low can help raise your credit scores. Your credit utilization ratio is a major factor when determining your score. You can estimate this ratio for each of your accounts by dividing the amount you owe on each account by the amount of the credit line.
3. Keep track of length of credit history
The length of your credit history accounts for 15 percent of your scores. You should open and maintain one or two major credit cards. Don’t close accounts, particularly those that you’ve had for a longer time. Maintaining accounts in good standing for an extended period of time is an indicator that you’re responsible with your credit.
4. Manage new credit and types of credit
10 percent of your FICO score is based on new credit. Opening multiple accounts within a short time can signal financial problems. A mix of credit types, new and old, is preferable to having only one type of credit. Credit cards, education loans, vehicle loans and home loans are examples of types of credit.
Thank you LendingTree for sharing this credit tips.

Beware of Gmail Phishing Attack

Posted by EM MAJ_COM On Friday, May 05, 2017 0 comments
Another day of Email Phishing Attack, this one for Gmail user’s account as the target. Last Tuesday May 3, an email phishing attack that was designed to trick users into giving up access to their Gmail accounts started showing up on target email inbox. The 1st captured image below is an example of Gmail Phishing attack email. When a user click on the “Open in Docs” link, the hacker will exploit the Gmail user’s account.
20170503.Gmail.PhishingAttack1
But it did not stop there, this phishing attack also behave as a “worm” that also sent itself out to all the affected user’s contacts. The 2nd captured image is an example of email coming from @gsa.gov infected user’s contact. You might receive a similar email coming from different email addresses.
20170503.Gmail.PhishingAttack
Please note the recipient email address “hhhhhhhhhhh@mailnator.com, I hope this is enough reason not to open or read this message, delete it right away. If you clicked on the link and enter your Gmail credentials please continue to read on how to perform Google security check-up.
Here’s how to check your Gmail account.
  • Open a new browser. I highly recommend using a modern browser e.g. Edge, Google Chrome or Firefox because they are equipped with safe browser features to protect and block malicious site or links.
  • Login to your Gmail account. Check your Gmail account connected Apps here (https://myaccount.google.com/u/1/permissions?pli=1). Review and cancel any connection if you don’t need it or don’t know it.
  • Go to Google Security Check-up (https://myaccount.google.com/secureaccount) to check your account.
I hope that help. Have a Safe surfing.
Source: QUE.com

Credit Report – Hard vs soft credit pull

Posted by EM MAJ_COM On Monday, April 24, 2017 0 comments
I’m looking for a Mortgage Lending company to loan me money so I can purchase a small house. So, I checked LendingTree.com to give me some ideas. And one day, I received this email I guess one of their Newsletter regarding Credit Tips. “Some vital info about your credit score” and I think it is very useful to new home buyers like me.
Soft pulls happen when you:
  • Check your own score – you can do this often! It doesn’t affect your score!
  • Get free loan offers
  • Receive a loan pre-qualification
  • Experience an employer background check
  • Receive pre-approved credit card offers in the mail
  • Get your LendingTree credit scores
Won’t – adversely affect your credit score
Hard pulls happen when you apply for a:
  • New credit card
  • Home mortgage
  • Auto Loan
  • Refinance of your home mortgage
  • Home equity line of credit
  • Store credit card
  • Checking or savings account
Can – lower your credit score by quite a few points
What hurts your credit score the most. Multiple hard pulls over a long period
Limit your hard pull credit inquiries. While hard inquiries are necessary to receive credit, it is important to understand how it works. All inquiries on your credit report within a 14-day period will count as one inquiry ONLY IF you’re shopping for one of the following items – a home mortgage, home refinance, home equity loan or auto loan. Be mindful if you are tempted to open more than one credit account like a home mortgage and an auto loan or a home mortgage and a new credit card in that same period. It will count as a separate inquiry and could impact your score.
Who Tracks this Info? The most important credit bureaus do. Don’t let your score go down! Avoid getting too many hard pulls at once.
  • fairIsaac
  • MyFico
  • TransUnion
  • Experian
  • Equifax

QUE.com - Decluttering Your Digital Life

Posted by EM MAJ_COM On Tuesday, April 11, 2017 0 comments
I received this Friends Newsletter today from Department of Homeland Security and I think it is a very useful information to share. So here you go and I hope you find it useful as well.
Start fresh this spring – online and offline. In addition to the traditional tasks on your spring cleaning list like tidying the closet and washing the windows, take time to create a “digital spring cleaning” list as well.
What exactly does a “digital spring cleaning” entail?
A digital spring cleaning means taking control of your digital life and the information that you share online. Similar to regular cleaning or tidying one’s home, it might seem like a daunting task at first. In reality, just a few simple steps can make a big difference in helping protect yourself online.
The Department of Homeland Security recommends that you incorporate these cyber tips into your spring cleaning routine this year.
  • Clean your machine. Update the security software on all of your devices that connect to the Internet.  Keeping the software on your devices up to date will prevent attackers from taking advantage of known vulnerabilities. Also review the applications you have downloaded. If you no longer use a particular app, delete it. It’ll not only free up storage space on your device, but it will also remove permissions that app has to potentially gather your information. 
  • Turn on multi-factor authentication. Enable stronger authentication on your online banking and email accounts. Turning on a two-factor authentication, such as a PIN sent to your mobile device, helps verify a user has authorized access to an account. For more information about authentication, visit the Lock Down Your Login Campaign at www.lockdownyourlogin.com.
  • Tidy your online reputation. Review your social media accounts and delete old photos or posts that may no longer represent who you are. As you go through your online posts, think about how they might influence others’ opinions of you. Also take the time to review the privacy settings on your online accounts. Take advantage of the privacy settings offered by major online apps and websites by limiting the amount of people who can see the information you share.
Visit and download the National Cyber Security Alliance’s “Digital Spring Cleaning Checklist” for more steps to clean up your online life.
For more tips on how to stay safe online, please visit the Department of Homeland Security’s Stop.Think.Connect. Campaign at www.dhs.gov/stopthinkconnect.

Source: Que.com
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