{"id":5999,"date":"2014-02-06T14:52:57","date_gmt":"2014-02-06T14:52:57","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=5999"},"modified":"2014-02-07T15:06:52","modified_gmt":"2014-02-07T15:06:52","slug":"target-data-breach-may-hamper-home-sales","status":"publish","type":"post","link":"http:\/\/www.anthonydidonato.net\/wordpress\/target-data-breach-may-hamper-home-sales\/","title":{"rendered":"Target Data Breach May Hamper Home Sales"},"content":{"rendered":"

Target Data Breach May Hamper Home Sales<\/h2>\n
\"Target<\/a>

Target Data Breach May Hamper Home Sales. Image courtesy of stockimages \/ FreeDigitalPhotos.net<\/p><\/div>\n

The recent massive data breach of up to 70 million customers\u2019 credit and debit cards at Target could have a spill-over effect that might derail real estate transactions. Victims may face damaged credit files and lower credit scores in the coming months that could disqualify them from a mortgage \u2013 at least until they are able to fully document the problem, the Los Angeles Times<\/em> reports.<\/p>\n

Even more customers are at risk too, with recent data breaches reported at Neiman Marcus affecting 1.1 million customers, and at least six other retailers also reporting breaches.<\/p>\n

Target and Neiman Marcus are offering their customers free credit-monitoring services. But credit experts say many people have not yet taken advantage of it, possibly because they\u2019re not aware of the offer.<\/p>\n

The data thefts could put some consumers at risk for identity theft. While victims won\u2019t likely be held liable for any unauthorized debts made on their credit cards, their credit reports and credit scores can be damaged for weeks or even much longer if they fall victim to identity theft.<\/p>\n

These data thefts have the potential to create \u201chavoc on credit files for as long as it takes for the consumer to document [that] the accounts are due to identity theft and get them removed from the file,\u201d says Terry Clemans, executive director of the National Consumer Reporting Association, a trade group that represents independent credit-reporting companies that serve the mortgage industry. \u201cThe impact on credit scores, although short term, is devastating because they are current defaults and [trigger] a big hit to the score. With the sizes of the breaches, this could be painful for a long time.”<\/p>\n

Credit experts say that home sales could be derailed by the sudden appearance of new debts on buyers\u2019 credit reports. Even if borrowers say they are a victim of identity theft, they may still find the transaction put on hold as bureaus attempt to repair and verify the reports. That could cause buyers to miss contractual deadlines with the home seller, and possibly even prevent the transaction from going through, the Los Angeles Times<\/em> reports.<\/p>\n

Source: \u201cTarget Data Breach Could Affect Real Estate Transactions<\/a>,\u201d Los Angeles Times (Feb. 2, 2014)<\/em><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Target Data Breach May Hamper Home Sales The recent massive data breach of up to 70 million customers\u2019 credit and debit cards at Target could have a spill-over effect that might derail real estate transactions. Victims may face damaged credit files and lower credit scores in the coming months that could disqualify them from a … <\/p>\n

Continue reading<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,8],"tags":[5,32,4,9],"class_list":["post-5999","post","type-post","status-publish","format-standard","hentry","category-news","category-real-estate-tips","tag-anthony-didonato","tag-news","tag-real-estate","tag-tips","item-wrap"],"yoast_head":"\nTarget Data Breach May Hamper Home Sales - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.anthonydidonato.net\/wordpress\/target-data-breach-may-hamper-home-sales\/\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"headline\":\"Target Data Breach May Hamper Home Sales\",\"datePublished\":\"2014-02-06T14:52:57+00:00\",\"dateModified\":\"2014-02-07T15:06:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/\"},\"wordCount\":397,\"publisher\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#\\\/schema\\\/person\\\/964792b6994e8cc4cbddc36ad4824908\"},\"image\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2014\\\/02\\\/ID-100171556.jpg\",\"keywords\":[\"Anthony DiDonato\",\"News\",\"Real Estate\",\"tips\"],\"articleSection\":[\"News\",\"Real Estate Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/\",\"url\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/\",\"name\":\"Target Data Breach May Hamper Home Sales - Real Estate Agent and Sales in PA - Anthony DiDonato Broomall, Media, Delaware County and surrounding areas in Pennsylvania\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#primaryimage\"},\"image\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#primaryimage\"},\"thumbnailUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2014\\\/02\\\/ID-100171556.jpg\",\"datePublished\":\"2014-02-06T14:52:57+00:00\",\"dateModified\":\"2014-02-07T15:06:52+00:00\",\"breadcrumb\":{\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/target-data-breach-may-hamper-home-sales\\\/#primaryimage\",\"url\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2014\\\/02\\\/ID-100171556.jpg\",\"contentUrl\":\"http:\\\/\\\/www.anthonydidonato.net\\\/wordpress\\\/wp-content\\\/uploads\\\/2014\\\/02\\\/ID-100171556.jpg\",\"width\":266,\"height\":400,\"caption\":\"Target Data Breach May Hamper Home Sales. 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