Identity Theft

Michaeljp86

Has anyone here had there identity stolen before?

Does anyone use this lifelock? For $10 a month it seems like it would be worth having if it works.

http://www.lifelock.com/

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I am just a vessel from which genius flows -Homer Simpson

Global warming is a myth, like evolution and the metric system.

Celtic

I was reading a story about ID theft the other day...I immediately thought of Lifelock. I decided to see what lifelock was all about...I stumbled across these:

The Very Organized Hit Job On LifeLock



LifeLock Founder a Shady Identity Thief?


Just a little FYI, but worthy of reading.

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GSE

You would have to be insane, to turn over personal information, to anyone on the internet, all the crooks are starting up sites to gather personal information with theft in mine,

"however, customers have to hand over their Social Security number, birthdate and other sensitive details to LifeLock."

PARA1

I use ZANDER i.d. theft protection ins. If your scammed they do all the foot work getting your name cleared. $7.00 mo. www.zanderins.com/idtheft

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cleveman

I just about had to wrestle the receptionist at a dentist's office the other day. She needed my ss number or my driver's license number. These poor people have a job to do and they don't know or care why they have to collect the information.

I suspect they wanted my ss # in case they extended credit to me and needed to find me. Or for insurance cases, they want to make sure the person receiving treatment is the person covered on the policy.

Anyway, I told her that the dentist was going to do his thing, then he was going to get paid with a credit card, and there was no reason for them to have my ss # or driver's license #.

I'm not sure why it's not a crime to ask for and collect such information when it may only be used to organize the customer data base.

Mike Finley

I had my identity stolen a couple of years ago. Only found out when Verizon was calling me about an over due cell phone bill, and I don't have a Verizon cell phone.

That led to finding out somebody in Minnesota had stolen my identity and was running up bills using my ID. There is a very simple process, you call the local cops, file a report, get a case number, use that case number on the official FTC identity theft paperwork you download off the web and send it to anybody who thinks you owe them money. Then you send a letter to each of the credit bureaus and they put a watch on your credit, and for the next 6 months or so anytime there is any inquiry into your credit they call you direct to verify.

The whole thing was pretty painless and was taken care of very quickly. No way in hell I'd pay somebody to protect my identity, it's simple not needed in my opinion.

cleveman

It's always someone from Minnesota to blame. Hence the term, "There's a Norwegian in the liquor cabinet".

I feel your pain.

camaroman2125

Besides being a Painter I'm also a certified identity theft risk management specialist. I can tell you from checking over these companies that Zander and Lifelock are both rip offs.

#1 They both only just put a lock on your credit, Good that no one can use,but either can you.

#2 They only do Financial Id Theft. If your a victim of any of the other 4 your pretty much screwed.

can anyone even name the other 4 types????

Ohio lost about 1.5 million tax payers information. You don't have to put your info online to have it compromized.

Check out this site its all the data breaches since jan 2005-present and there are 217,551,182 data breaches. This doesn't account for every person its for every data breach that has happend.

http://www.privacyrights.org/ar/Chro...reaches.htm#CP

I'll remind you of that when you become a victim of one of the other four types mike. Not all would be so painless. Especially if its breached by a id theft ring in nigeria.

There is a thing called regulation E

This is straight from the FTC book that they will send you called "Take Charge: Fighting back against Identity theft

Pg 13
"If you report the loss or theft within 2 business days of discovery,your losses are limited to 50 bucks"

"If you report it after 2 business days but within 60 days after discovery you could lose up to $500 of what was charged or stolen."

"If you wait more than 60 days to report the loss or theft you could lose all the money that was taken or charged and will be liable for all charges."


Now Page 19

" send your letter so that it reaches the creditor within 60 days after the first bill containing the the error was mailed to you. If an identity thief changed the address on your account and you didn't receive the bill,your dispute letter still must reach the creditor with in 60 days of when the creditor would have mailed the bill. If not recieved in that time you will be liable for all charges."

Another bill they passed recently and I'll see if I can find it later, but any of you that have employees if someone gets their info from your source you are opened up for lawsuits up to millions of dollars

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Celtic

That could get crazy ...what with people constantly flipping balances to 0% cards.

What would happen IF:
The thief opened accounts w/o your knowledge and sent the bill to god-knows-where?
What is the consumers liability?

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camaroman2125

Actually that is a perfect example of financial id theft. If they get info for accounts already opened thats identity fraud.

well if they didn't find out about it within 60 days the consumer would be liable for the whole amount.


There was a case on msnbc about a couple that were vicitims for a refinance loan of 175,000 i think and it was wasn't them. They didn't find out about it for a year or so and took it to court and lost and had to pay back the money plus court and lawyer fees

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SOME PEOPLE ARE LIKE SLINKIES - NOT REALLY GOOD FOR ANYTHING BUT THEY BRING A SMILE TO YOUR FACE WHEN PUSHED DOWN THE STAIRS.

Celtic

That's crazy!


I remember a decade of so ago, I was buying a truck from a huge dealership here in NJ. After doing the dance with the salesman he goes to see "the manager to approve the deal". I waited for what seemed too long...and then I saw WHY....
The salesman I had, along with a bunch of other dealership people, were being quietly carted out by the Sheriff's Dept. .
Long story short...the salesmen were stealing people's info and opening various accounts with that info .

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john elliott

That would seem to fly in the face of the common law on which most legal systems are based. The general feeling would be that if you don't borrow money then you don't owe it. Basically I flat out don't believe that case you cited. Do you have a reference for it, I would love to read about it.

John

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Ed the Roofer said "John too, in his crass and blunt demeanor.............."

camaroman2125

Not really Its called regulation E,but it it makes ya feel better I have it saved somewhere and I'll see if I can find it. And things are a lot different here in the us compared to england.

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SOME PEOPLE ARE LIKE SLINKIES - NOT REALLY GOOD FOR ANYTHING BUT THEY BRING A SMILE TO YOUR FACE WHEN PUSHED DOWN THE STAIRS.

thom

Ok, if I catch a guy using my ID, calling himself me, if I kill him, is that suicide?

Michaeljp86

I seen a deal on TV where illegals just make up a ss# and use it on their tax form and they can get money from the gov for assistence because they are low income. Then the IRS says why are you claiming 6k income in nevada and 42k income in michigan? Then you get a audit, tons of lawyer fees, etc. Then they find outs its a illegal and the irs says oh ok. So you got screwed out of months or years of paper work and lawyer fees.

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I am just a vessel from which genius flows -Homer Simpson

Global warming is a myth, like evolution and the metric system.

john elliott

I shall look forward to reading it when you find it, I find this kind of thing very interesting. I know a bit about US Law and was very surprised to find that a court would force anyone to pay back money that they hadn't borrowed.

John

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Ed the Roofer said "John too, in his crass and blunt demeanor.............."

camaroman2125

Thats fine and dandy if you get the irs to do that, But once your info is out there its out there. If its been used once it will be used again and again and again. There is no way to stop the cycle once it starts. All you can pretty much do is deal with it on a case by case basis.

I know people personally that have been victims years ago before it got big and they still have to carry a card with them that states I was a victim of identity theft in case they ever get pulled over or anything like that.

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SOME PEOPLE ARE LIKE SLINKIES - NOT REALLY GOOD FOR ANYTHING BUT THEY BRING A SMILE TO YOUR FACE WHEN PUSHED DOWN THE STAIRS.

CrimeCrusher

I investigated white collar crime for three years, there is nothing pretty about it. The bottom line is that you can't stop it you can only do your best to make sure you don't become a victim.

The Nigerians - very big on internet fraud (scams). Ever get an email saying you won $25,000,000 and we just need your information. We'll send you a money order to cover processing fees, just cash it, send it back to us and we will transfer the funds to you. That's them.

Some tips to remember;
1) GET A SHREDDER - AND NOT THE ONE THAT CUTS STRIPS, you want the one that cuts into confetti.
2) Check your credit every six months to a year to see if there are any unauthorized activity.
3) Don't put your trash out the night before. Bad guys love to garbage shop. Put it out the morning of.
4) If anyone solicits your information over the phone or internet (scam)
5) If you are using the internet to buy stuff only use website you are familiar with and trust, if they are legit they will have a secure check out. If your info gets taken from them they are responsible.
6) Get your mail as soon as possible, especially if you are a business. Bad guys love to steal your mail. They will copy your business checking account number and routing number, go to Office Depot and get versa checks (homemade computer checks) use those numbers on the check with a fake business name and hit every check cashing store in the area. (This is a big problem in South Florida)

One of the places that gets hit a lot is HD. People will come in with an account number on a piece of paper and add themselves to your account. Then they charge away.

Hope these tips help. If you have any other questions I will try and help

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Hans

CrimeCrusher

This is where checking your credit frequently comes in.

Also, If you do become a victim find out from your bank or credit card company where the fraud took place. You have to call the police agency that governs the area where the fraud happened and file a report with them. If you, the bank or the credit card company don't know where it happened then call the police where you live an file a report. This will save about two to three weeks on the investigation side by law enforcement.

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Hans

Celtic

Doesn't that adversely effect your credit score/rating?

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