J. M. Smith asked:




Everyone seems to have the answer to this epidemic; Million dollar coverage’s, insurance for reimbursement, resolution to walk you through the process and promises of 100% guarantees that you’ll never become a victim.

Where do you begin to weed out all of the junk from the good?

Let’s start here in answering some of these questions and you decide. I think it’ll become pretty obvious to see how to get protection that will work to save you time and money.

You’ll need to start first by knowing that you cannot and will not prevent yourself from becoming a victim. It is extremely dangerous for anyone to display their social number in public. I could take that number right now and go to just about any medical clinic and get medical treatment using that social. Most of these clinics don’t ask for ID, neither do they run the social and verify that the social matches the ID. That’s medical ID theft.

Be aware of the 100% guarantee that you will never become a victim. Your information is already irretrievably out there in cyber world. Just about every where you shop has information about you and if you have a credit report your data has already been sold.

Consider these breaches:

1. CardSystems Solutions Inc. a major credit card processor. At risk: 40 million people.
2. Seisint, a unit of LexisNexis that compiles information from government records and holds personal data about most American citizens was repeatedly attacked. Hackers gained access to U.S. account holders’ social security numbers, names, addresses and drivers license numbers in 59 break-in attempts over two years. At risk 310,000
3. DSW Shoes, data lost from more than 100 stores stolen. At risk 1.4 million.
4. San Diego State University. At risk 178,000
5. ChoicePoint. At risk 145,000
6. CitiFinancial. At risk 3.9 million
7. TimeWarner. At risk 600,000
8. Bank of America Corp. At risk 1.2 million

The list goes on and on. I could write for a couple of days on these breaches. The idea here is to show you how your information is irretrievably out there. It doesn’t matter what you do with your information, it’s what these companies are doing with it. Think you can still be covered 100%?
Here are ten things anyone can find out about you:

1. Your current and previous address (from the US postal service and credit bureaus)
2. Any criminal convictions (from court records)
3. Whether you have a professional license (from licensing agencies)
4. Whether you have filed lawsuits or been a defendant in a lawsuit (from court records)
5. If you’ve had speeding tickets, drunken driving convictions, or other marks on your record (DMV)
6. What cars, trucks, boats and planes you own (from state motor vehicle records)
7. Whether you have filed for bankruptcy or had liens placed against your property
(from court records)
8. What you have pledged as collateral for bank loans
(from Universal Commercial Code usually in county recorders’ offices)
9. What pieces of real estate you own and how much you paid (from county tax records)
10. Whether there is a warrant out for your arrest (from court records and police agencies)
Some of this information is published in your local newspaper and much of this information is at no cost, it just takes a little time. To a thief it doesn’t matter the time he takes because he’ll get paid.

Ok, so if your information is out there and you can’t protect yourself then what do you do?
You slow the thief down. I’m not going to cover that right now I just want the facts out to show you that you are not guaranteed 100% that your ID is protected. Once you understand that, you can then start to ask these other questions.

If you do become a victim what should you do?

I believe there are three things that are essential to your being 100% covered.

The first of these is that you have a complete restoration service available. Not a service that will walk you through the process. I say this because the average victim will spend over 600 hours to repair the mess. That’s 15, 40 hour work weeks. I don’t have that much time and most probably your boss isn’t going to let you sit there at the office making calls to fix your problem. Many victims never do clean up the mess and just when they think they are safe and have the problem taken care of they find out from some other source the information is still there.

There are some people who will have to carry with them the rest of their lives a piece of paper stating their victimization as proof to law enforcement if arrested or detained. A good restoration service will assign an agent to your case and begin the process on your behalf to clean up and clear your good name.

Know this, reimbursement services may reimburse you for the money lost but do not reimburse for time spent. You’ve heard, time is money and just because you get reimbursed you could spend your life or well over 600 hours clearing your good name.

Also know that reimbursement or insurances generally want you to file a claim and if you have ever had to deal with filing claims with insurance companies you know that could be a nightmare. They also know that you as a victim have to report the ID theft within 60 days or you could be held 100% liable. Read the FTC’s report “ID Theft Take Charge”.

So while restoration services are good they still don’t completely cover you or you could even say while reimbursement or insurance services are good they still don’t completely cover you.

Second you need a monitoring service. Once again time is money. Unless you want to monitor your credit everyday and spend your time doing this I suggest pay the monthly fee usually $10.00 a month will do this for you. Actually a good restoration company will also monitor your credit for you as well. I suggest the restoration company that monitors Experian. Why? Because Experian does a daily download of address changes.

Now here’s the kicker. This is by far the third part of the coverage no one ever talks about and is in my opinion the most important.

Ask yourself this question. If you are arrested or detained because of criminal ID theft, do you think you might need access to an attorney? Let’s say it’s a holiday or after normal working hours and you’re pulled over and told there are warrants for your arrest. Wouldn’t you like to talk to an attorney either on the spot to keep you from being arrested or at the county jail?

Why doesn’t anyone talk about the third part? Because they don’t know.

So here is what most folks do. They see a lot of advertising on ID theft; they get scared because of some ad on T.V or some program on a celebrity show. They think it’s the best decision with little or no research and call the company advertised. Again, generally a reimbursement or insurance service is good but then the victim finds out they need an attorney and most attorneys are over $200.00 an hour. Try this one on for size. If you’re arrested try calling your insurance company you have ID protection with and see what advice you get. And that’s if they’re open after hours and even if it is within normal working hours what type of legal advice are they going to offer you? That’s right, none.

An attorney will almost over 90% of the time be needed if you fall victim to this crime. Think about this. The first thing everyone says to start the process of notification is filing a police report. If I have to file a police report I want an attorney’s guidance. If I’m arrested I want access to an attorney and I don’t want to pay $200.00 or more an hour and I want it 24/7 because ID thieves are at work 24/7, right?

Don’t let this ID theft stuff get complicated. Just ask the right questions and do your research. Here is the complete wall of protection, Restoration, Monitoring and Legal. Any of these left out and you could be in trouble.

Larry
J N asked:


Okay, so basically my house was broken into. They stole all the paper works which include our passport and our social security. I know I can get either of them replaced. But what I am wondering is, they got our SS numbers, how will they be stopped? what could happen. they possess everything about us. ID theft etc. I don’t know. Please someone help me. Anyway to stop them? Any experience?

Cindy
mikis1967 asked:


With the illegal immigration issue and stolen identities should the US have a National ID card?
I think we should and here is why.
1. Social security numbers were meant ONLY for social security. With a national ID card identity theft would be harder. (As long as they don’t use your SSN for the ID)
2. With biometric information (fingerprint, retina scan, etc.) you can verify the user’s identity.
3. Verification of persons receiving public help.

I would like to know what other people think. Please let me know your thoughts.

Carolyn

Jesse Whitehead asked:




Identity theft is increasing all over the world as sophisticated criminals steal personal information of unsuspecting victims to use in illicit and fraudulent schemes. This serious crime can happen to any person at any time, and the consequences of it can be devastating to ones finances. This is why every person should be aware of Identity Protection Services, and how they can help you avoid ID theft.

First, you must remember to be extremely cautious about giving out your social security number, your banking information, credit card details and any other financial information to anyone. If you need to apply for a loan or conduct other financial transactions, make sure the company you are doing business with is reputable, because you are going to have to give out some personal information.

A good way to protect yourself against ID theft is to use an identity protection service. These services use several methods to protect your identity. On your behalf, some services will place a fraud alert on your credit card with all the main credit bureaus, although this practice has been restricted by recent court decisions. You can however, place a fraud alert of your own on your credit every 90 days.

With a fraud alert, you will immediately be notified if there is an attempt to access or use your personal information. This means that the credit bureau will not allow anyone to open an account without your authorization. You will certainly sleep better at night knowing this.

An identity protection service will also keep a check on illegal operations that trade or sell identity information and other personal details. This will prevent your information from filtering through to the black market. Again, this will reduce the chance of you falling victim to an ID thief.

Your name will also be removed from those terrible mail-marketing lists (can we say “junk mail?”). These lists provide a great hunting ground for potential identity criminals. Once your name has been removed from the lists, you will stop getting all those “preapproved” credit card offers and other mail solicitations that you did not apply for. This further decreases your risk of having mail intercepted and your ID stolen.

Remember that your good name and your credit rating are at risk, so you should take identity theft very seriously. The majority of identity protection services offer the same basic services for a reasonable monthly fee.

Marion
Aaron asked:


I heard that if you have your real name and info that the cops can find you if you get the id taken. however Ive also heard that if you have fOe information that you can be charged with identity theft also if caught. is any of this true?

Lisa
Zackery Lim asked:




You can never be too paranoid when it comes to protecting your personal information and details. It is much better to be cautious and careful. Identity thieves are everywhere, and they are waiting to strike. You can avoid becoming a victim of identity theft by doing 10 simple things:

1. Only carry the credit cards and any other personal information that you need every day in your wallet. If your wallet or purse is stolen, you will have less concern. Even the most careful person is at risk and can be fooled by professional thieves.

2. Always keep you personal information stored in a safe place at home. It is best if you have a place to lock this sensitive information in.

3. Always have telephone numbers and card numbers handy in case your credit cards or ATM cards are lost or stolen. Never keep PINs together with your cards. This is even more critical if you are traveling locally or overseas.

4. It is especially important when traveling that you keep a copy of your passport and other important identification documents in a safe place. This will make it easier and quicker to obtain a new passport if you lose it or it gets stolen. Some people also carry their official birth certificate as back up documentation. Other important information to carry with you include your driver’s license number, eye glass prescription and camera serial number.

5. Never give sensitive information such as PINs or passwords over the phone or Internet unless you have initiated the call or the request online. No reputable bank or company will request this information. Hang up immediately or delete the e-mail.

6. Install a firewall and update your anti-virus program to keep your PC safe from spyware and keylogging software. These programs can copy keystrokes and send back to identity thieves vital sensitive information such as login information to your bank accounts.

7. You should frequently change your passwords; change it every month or so. That way, an identity thieve would have to re-break your code. Keep away from obvious passwords such as those that contain your initials and birth dates. Make your passwords hard to guess; use a combination of numbers and letters in uppercase and lowercase.

8.Your personal information should not be shared unless absolutely necessary. Your social security number, passport number, birth date and driver’s license number should all be considered private and safeguarded. Use your name, address and telephone number as your primary means of identification. You can show a government issued photo ID, but do not let cashiers include this data on sales receipts.

9. Even if it is easy to have, you should never have sensitive information printed on your checks. Try to satisfy the store with less sensitive ways of identifying yourself.

10. You may feel safe with legitimate businesses, but only provide them with required information. Do not be afraid to question when certain personal information is necessary to complete the transaction. Be like most security systems — only those that have a legitimate reason to have the information can access the information. It is all right to refuse to provide extraneous personal information.

Earl
kan asked:


my sister was arrested on 08/29/2008 on id fraud it was a felony. she is out on bond but its been two years and still no court date. what is statue of limitation in ga on felony id fraud?

Joy
Jesse Whitehead asked:




Identity Protection is Vitally Important to Your Financial Health

If you are a consumer who shops online, it is vitally important that you learn how identity protection services can help keep your identity and financial health safe and secure. Having your personal information compromised or stolen by criminals can have a disastrous effect on your finances and credit standing for years.

When buying a home, a car, or any other item for that matter, you need to be alert at all times that you don’t inadvertently allow a criminal to make off with your personal details. Identity theft protection services are especially important for anyone planning to buy a large ticket item such as a home because this is the time that you will be asked to furnish a lot of personal details.

How Does Identity Theft Occur?

Identity (ID) theft takes place when someone is able to impersonate a genuine identity in order to get hold of the victim’s financial details. The thief will make use of the stolen identity to perform any number of fraudulent and criminal transactions.

For example, someone can steal your Social Security Number and then use it to apply for and get a loan or credit card in your name. Identity theft can take other forms as well. According to studies and surveys conducted on frequency of identity thefts, it was discovered that about twenty-five percent of households in the United Stated have had their identities stolen.

Identity theft – Extensive and Pervasive

The list of the types of identity theft is extensive, and pervades our society in many ways. Personal ID theft can involve credit card frauds, bank frauds, utilities/phone fraud, employment related fraud, social security fraud, benefits/government documents fraud, and many others.

Protect Your ID with an Identity Protection Service

You can minimize having your identity stolen by subscribing to an identity protection service that will help you take the necessary steps to safeguard your personal information. Because of the widespread identity theft occurring in the U.S. and around the world, many ID protection service companies have sprung-up to protect consumers. These service companies vary in their size as well as well as services offered, although they all work in more or less the same way. If you want to have the peace of mind that your identity is being guarded against theft, seriously consider subscribing to an ID protection service today.

Terry
pgiggles asked:


I have called and canceled my credit cards but what about my license and other id cards how can I prevent someone from stealing my identity?

Micheal
William Benke asked:




Companies such as Identity Lookout, Lifelock and Trusted ID are examples of Identity Theft Protection Services whose goal is to protect your identity and prevent it from being stolen. Though ID Protection Services do not guaranty 100% protection, however these companies aim that the public feel a sense of security that their identity will not be stolen. And if your identity ever gets stolen, Protection companies will be the one to repair the damages done. This means instead of spending your own money dealing with your stolen identity, Identity Fraud Protection Services will be the one to do this for you.

Some of the Identity Theft Protection Companies to choose from:

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