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An Overview of Ethical Hacking

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10 months ago

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Does the phrase hacking scare you? Ironically it’s hacking but legal hacking that is doing us good. If this is your first article on hacking then surely you can get some potential insight on hacking after reading this. My article provides a simple overview of ethical hackers.

The word ethical hacker came into the surface in the late 1970s once the government of the United States of America hired categories of experts called’red teams to I want to rent a hacker online its hardware and software system. Hackers are hacking services or online computer criminals that practice illegal hacking. They penetrate the security system of a computer network to fetch or extract information.

Technology and the internet facilitated the birth and growth of network evils like viruses, anti-virus, hacking and ethical hacking. Hacking is just a practice of modification of a computer hardware and software system. Illegal breaking of a computer system is just a criminal offense. Recently a spurt in the hacking of computer systems has opened up several courses on ethical hacking.

A white hat hacker is just a moral hacker who runs penetration testing and intrusion testing. Ethical hacking is legally hacking a computer system and penetrating its database. It aims to secure the loopholes and breaches in the cyber-security system of a company. Legal hacking experts are generally Certified Ethical Hackers who’re hired to prevent any potential threat to the computer security system or network. Courses for ethical hacking are becoming widely popular and the majority are taking it up as a serious profession. Ethical hacking courses have gathered huge responses all around the world.

The moral hacking experts run several programs to secure the network systems of companies.

A moral hacker has legal permission to breach the software system or the database of a company. The company that allows a probe into its security system must offer legal consent to the moral hacking school in writing.

Moral hackers only research the security issues of the organization and try to secure the breaches in the system.

The school of moral hackers runs vulnerability assessment to mend loopholes in the interior computer network. Besides, they run software security programs as a preventive measure against illegal hacking

Legal hacking experts detect security weakness in something which facilitates the entry for online hacking services . They conduct these tests mainly to test if the hardware and software packages are effective enough to prevent any unauthorized entry.

The moral experts conduct this test by replicating an internet attack on the network to be able to know how strong it’s against any network intrusion.

The vulnerability test must certainly be done regularly or annually. The company must keep a comprehensive record of the findings and check for further reference in the future.

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Business

Top 5 Reasons Why Banks Reject Loan Applications & How You Can Avoid Them When Reapplying

Published

2 weeks ago

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February 17, 2021

By

Top 5 Reasons Why Banks Reject Loan Applications & How You Can Avoid Them When Reapplying

Personal loans are a source of emergency funding for many people. But loan seekers must remember that applications for personal loans may get rejected. There are many reasons for loan rejection, and it is good to know them before applying. A personal loan rejection does not necessarily mean that you are not creditworthy. Understand the reason why you were refused credit loans, and you can easily avoid loan rejection when reapplying.

Here are the most common five reasons for loan rejection –

  1. Poor Credit History

Individuals who borrow and repay loans on time have high credit scores based on their history of repayment. If you have never borrowed before or have defaulted on a loan in the past, this will reflect in your credit score and may get you a loan rejection.

  1. Low-Income Level

Lenders analyze your income records to determine whether or not you will be able to afford the monthly installments. If the bank or the lender cannot verify your income with the information you have given or if they think that your income is insufficient – it may lead to a loan rejection.

  1. Debt to Income Ratio

A high debt to income ratio means that you are already spending a large part of your income in paying off your current debts. This is important, as it helps lenders determine whether you can take on another loan payment or not. People with low debt to income ratio are never refused credit loans.

  1. Living in a Location Where Defaults are High

It may surprise you to know that banks and lenders mark geographical locations where defaulters live. If your address reflects a location where many defaulters live, you could face a personal loan rejection.

What Should You Do Before Reapplying?

In case your loan application gets rejected, don’t worry. For refused credit loans, lenders are obligated to send a notice of adverse action informing the applicant about the reasons for denial of the loan. Here are a few simple steps you should take before reapplying.

  1. Take a Look at Your Credit Reports: Obtain your credit reports online for analyzing your credit history and score. Reviewing your credit reports will help you identify the problems such as late payment or defaults that led to your loan rejection.
  2. Evaluate Your Debt-to-Income Ratio: Taking a look at your current debts vis-à-vis your income will help you understand if you have sufficient income to repay the loan you had applied for. Creditors usually look for a debt-to-income ratio lower than 36% for good creditworthiness.
  3. Discuss the Loan Rejection with Your Lender: After analyzing your credit reports the best thing to do is to talk to your lender. They will guide you about the right reason why your loan application was rejected and how long you need to wait before reapplying.

Author Bio:

Shiv Nanda is a financial analyst who currently lives in Bangalore (refusing to acknowledge the name change) and works with MoneyTap, India’s first app-based credit-line. Shiv is a true finance geek, and his friends love that. They always rely on him for advice on their investment choices, budgeting skills, personal financial matters and when they want to get a loan. He has made it his life’s mission to help and educate people on various financial topics, so email him your questions at shiv@moneytap.com.

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