The Court Of Public Opinion » Identity Theft Lawyers

Identity Theft Prevention Measures

The Court Of Public Opinon — Tue, 18 Aug 2009 06:00:51 +0000

Identity theft, one of the most insidious forms of white-collar crime, is a federal crime under the Identity Theft and Assumption Deterrence Act. It occurs when charlatans steal your personal and/or financial information to use your credit accounts, tap your bank accounts, get new credit in your name, file fraudulent tax returns, get cell phones in your name, access your insurance benefits, and so on. When someone steals your personal and financial information, your life may become a living hell, particularly if you don’t realize what has happened right away and the imposter has siphoned off funds using your name. This makes adopting strategies for identity theft prevention all the more essential. The steps to take for prevention are really simple.

Identity theft crimes make headlines more and more every day. You hear about them on the news or read about them in the papers. The Federal Trade Commission, the leading governmental agency addressing the problem of identity fraud, has reported a dramatic increase in the incidence of this crime. Recently, FTC released a survey that revealed identity fraud claimed a whopping 27.3 million victims over the past five years and result in over $53 billion annual losses to businesses and financial institutions. Accurate and up-to-date information is the most critical element in any identity theft prevention measure. For this reason, Federal Trade Commission launched a website annualcreditreport.com where all consumers are eligible for a free copy of their credit reports. By getting a free copy of your credit report you should be able to spot suspicious activity.

The old adage Prevention is better than cure, is very much applicable for identity theft prevention. While state governments, local and federal law enforcement agencies, and private organizations are taking new steps to minimize this threat, it is also crucially important for citizens to take responsibility for protecting their personal information. As an identity theft prevention measure, individuals can hire credit-monitoring services that alert them when there are changes in their credit report. Proper disposal of personal information and other sensitive material is a vital identity theft prevention technique. This could be accomplished by shredding documents. Do not allow intact documents to be thrown in garbage. To thwart phishing attacks, do not reply or click on links in the email that asks you for your account or billing information. Instead, contact the company cited in the email by telephone or by website you know to be genuine, to verify the contents.

Keith Londrie II is a well known author. For more information on Identity Theft, please visit Identity Theft for a wealth of information. You may also want to visit keith’s own web site at http://keithlondrie.com/

Identity Theft Victim Records

The Court Of Public Opinon — Sun, 16 Aug 2009 22:00:09 +0000

Identity theft crimes are not new, but they have become more persuasive in the past decade. In mid-2005, San Francisco Chronicle discovered that holders of more than 40 million credit cards were vulnerable to financial fraud because identity thieves had compromised their credit card information. Earlier that year, information and data broker, Reed Elsevier Group PLC, revealed that several hundred thousand people might have had their profiles stolen from one of its U.S. databases. One quickly learns to secure their computer networks so that these kinds of attacks, or leaks are non-existant.

Information compromised included names, age, physical descriptions, mailing addresses, Social Security, and driver license numbers. This is virtually everything an impersonator needs to set up a clone of the identity theft victim, enabling him to make a number of financial and personal transactions in the victim’s name. Usually an identity theft victim is usually under age forty, while about 11 percent of victims are age sixty or older. According to Federal Trade Commission (FTC), one in six identity theft victims said that thieves used their personal information to open at least one new account, such as credit card accounts or loan accounts, to rack up debts on existing accounts. The most recent data indicates that 9.3 million Americans (or 4.25% of all adults) are victims of ID theft on an annual basis. This is an alarming rate and should show you that you NEED to take preventative steps toward protecting your identity.

An identity theft victim risks the destruction of his/her good credit history, and may spend years, and large sums of money restoring the credit history and goodwill. There are instances of an identity theft victim been denied work or insurance or been detained for crimes he did not commit! Some victims of ID theft found that their names have been misused after police stopped them for a traffic violation and discovered that there is a warrant for their arrest. There are also times when an innocent person receives a summons to appear in court to answer for a criminal act. FTC’s latest survey shows ID theft losses to businesses and financial institutions total $52.6 billion annually. Recently, Federal Trade Commission launched a website annualcreditreport.com where all consumers are eligible for a free copy of their credit reports. Take the time to go to that site and get your free credit report. This can be a step to alerting you to suspicious activity.

Get Identity Theft Help!

The Court Of Public Opinon — Mon, 10 Aug 2009 02:00:02 +0000

Identity theft crimes are not new, but they have become more pervasive in the past decade. One of the most insidious forms of white-collar crime, identity theft is a federal offense under the Identity Theft and Assumption Deterrence Act. It occurs when someone deliberately assumes your personal identity to impersonate you in a legal sense. There are people out there who are malicious and want to mess your life simply because they can. Businesses and financial institutions that lose $52.6 billion each year are under tremendous pressure from consumers to tackle this problem.

Last year, identity fraud crimes topped the list of complaints reported to the Federal Trade Commission (FTC), the leading governmental agency offering identity theft help, for the fourth consecutive year. The FTC collects complaints about identity theft from consumers who have been victimized. Although the FTC does not have the authority to bring criminal cases, it can offer identity theft help by providing information to assist the victims in resolving the financial and other problems that can result from this crime. As additional identity theft help, the FTC also refers victims complaints to other appropriate government agencies and private organizations for further action. The support of these knowledgeable resources expedites recovery, while enhancing your peace-of-mind.

Accurate and up-to-date information is the most critical element to minimize risk. For this reason, Federal Trade Commission recently launched an identity theft help web site annualcreditreport.com where all consumers are eligible for a free copy of their credit reports. In order to effectively respond to suspected ID fraud you should place an identity theft alert in one of the three consumer reporting agencies and that agency will notify the other remaining two. These agencies are: Equifax at 1-800-525-6285, TransUnion at 1-800-397-3742 and Experian at 1-800-680-7289. These credit reporting agencies can also be found online.

The ID Theft Clearinghouse managed by the FTC is a tool designed to coordinate law enforcement efforts in the United States. But, in the end, local law enforcement agencies like the police and district attorney end up dealing with most identity fraud cases. If you have been a victim of identity fraud, it’s these local agencies that will mostly likely offer identity theft help.

It would also be a good idea to study some of the different methods of identity theft so that you can effectively combat them. Do things like shredding your important documents with any account information or identifying information.

Online Identity Theft Protection

The Court Of Public Opinon — Mon, 03 Aug 2009 18:00:08 +0000

Identity theft crimes are not new, but they have become more persuasive in the past decade. One of the most insidious forms of white-collar crime, identity theft is a federal offense under the Identity Theft and Assumption Deterrence Act. It occurs when someone deliberately assumes an individual’s personal identity to impersonate that person in a legal sense. Stealing someone’s identity enables the thief to make a frightening number of financial and personal transactions in someone else’s name, leaving the victim responsible for what might turn out to be a mind-boggling turmoil in his or her life.

Someone once said, The devil is in the details, and the truth lies somewhere in between. Details such as your name, age, sex, physical description, mailing address, Social Security, and driver license number are everything a swindler needs to create your shadow identity, enabling him to buy merchandise, take loans and make other financial transactions, while you get stuck with the bad credit. The old X-Files motto Trust No One is especially meaningful for identity theft protection on the web. You must learn to depend on yourself for identity theft protection and minimize your risk by performing the following tasks:

a) Memorize your passwords. This is the most basic requirement for identity theft protection. Never write down personal identification numbers (PINs) or passwords. Do not use your Social Security number or any such easy-to-guess combinations. Avoid using the same password for different accounts.

b) Effective identity theft protection is now a necessary part of doing business on the web. Therefore, when ordering online, it is preferable to use PayPal, instead of credit or debit cards, because of the propinquity with which these cards give an imposter access to the cash in your bank account.

c) Another good practice for identity theft protection delineates that before purchasing online make sure that the site has a secure server. Secure pages begin with https instead of http, with a picture of a lock appearing in the lower right status bar. To verify the name of the server that appears on the digital certificate, double-click the lock icon, and then check the name that appears next to Issued to, if the name appearing next to Issued to is different from the name of the site that you thought provides the page, close the browser to leave the site.

d) Be sure to shred all documents that have important information on them such as account numbers, social security numbers, etc. Do not simply discard this information into the trash.

Identity Theft Monitoring Agencies

The Court Of Public Opinon — Mon, 11 Aug 2008 06:03:44 +0000

Identity fraud crimes, one of the most insidious forms of white-collar crime, are a federal offense under the Identity Theft and Assumption Deterrence Act. Identity fraud is the deliberate appropriation of an individual’s personal information to impersonate that person in a legal sense. In the sci-fi flick The 6th Day machines are used to replicate the mental state of a person, such as memories, habits, etc. and subsequently create a clone. Similarly, stealing someone’s identity allows a fraudster to clone or create your shadow, enabling him to make a number of financial and personal transactions in your name, thus making your life a living hell, particularly if you don’t realize what has happened right away, and the pretender siphons off huge funds. Identity theft is usually slow to detect and even slower to rectify.

Therefore, to detect many types of identity theft crimes in the earliest stages and minimize damages, you should subscribe to one of the identity theft monitoring services provided by all three credit bureaus. For a small monthly or yearly fee, the identity theft monitoring agency of your choice notifies you by email of any changes or unusual activity in your credit reports. Most of these services come with identity theft insurance as well as the reports. Some of the bureaus even offer a three-in-one monitoring service that alerts you to changes in any of the three bureaus’ reports. Federal Trade Commission (FTC), the leading governmental agency addressing the problem of identity fraud, recently launched an identity theft monitoring website annualcreditreport.com where all consumers are eligible for a free copy of their credit reports. I recommend that you visit this web site and determine if the service is for you.

Banks, credit cards, debit cards and brokerage statements give a transaction-by-transaction replay of where you spent your money for the month. The more often you monitor them, the more quickly you will detect foul play. However, the best way to obtain and monitor your credit worthiness is through identity theft monitoring organizations that work with major reporting agencies. ConsumerInfo.com is one such identity theft monitoring agency that provides copies of reports and a credit check monitoring right over the Internet. Time is of the essence. Monitoring credit statements on the Net, removes the paper statements from the mail, and there is a very little lag time between making a charge on your card and being able to view it online, thus cutting detection time. Fast detection time is your friend in stopping identity theft.

Identity Theft Lawyers Guide

The Court Of Public Opinon — Fri, 08 Aug 2008 10:04:10 +0000

Good people do not need laws to tell them to act responsibly, while bad people will find a way around the laws. Plato.

Identity theft, one of the fastest growing crimes in America, is a federal crime under the Identity Theft and Assumption Deterrence Act. Bad people or con men usually find ways to get around this law. Identity fraud occurs when a con artist illegitimately uses your identity to make a frightening number of financial and personal transactions in your name, leaving you – the ID theft victim, responsible for what might turn out to be a mind-boggling turmoil in your life. Last year ID fraud crimes topped the list of complaints reported to the Federal Trade Commission (FTC), the governmental agency addressing the problem of identity fraud, for the fourth consecutive year.

The FTC estimates that ten million people are victims of ID theft each year. Perhaps the only people minting money are the conmen and identity theft lawyers! Determining the exact scope and financial impact of id theft on people and businesses is difficult. According to a survey conducted by Privacy Right Clearing Group, victims spend from $50 to $2000 on costs related to ID theft, not including identity theft lawyers’ fees. Since ID fraud is a complex crime you may not be able to clear your name as fast as you would like. Bureaucratic financial institutions move slowly, partly to protect you. But if ID theft recovery procedures fail to resolve the problem, you should get in touch with identity theft lawyers. Credit issuers and reporting agencies are sometimes slow in responding to complaints from consumers. The threat of lawsuits can provide some impetus.

If you believe you have been a victim of identity fraud and all steps to restore your name and credit fail, contact top identity theft lawyers in your area immediately, to minimize the damage to your personal and financial accounts, as well as your credit report and reputation. Thanks to the nature of the crime, most identity thieves are never found. So, in order to clear your name, you patiently need to work with the law enforcement agencies and identity theft lawyers, assisting them when you can. Remember, justice moves slowly, and ultimately you will be proven on the side of right, and your life can go return to normal. This is usually a slow process, but it is a necessary evil we all live with.

HiProfile Identity Theft Scams

The Court Of Public Opinon — Thu, 07 Aug 2008 06:04:17 +0000

Identity theft is a federal crime under the Identity Theft and Assumption Deterrence Act. It occurs when a con artist uses your personal information, such as name, mailing address, Social Security number, credit card number, birth date to set up a clone identity, which then buys merchandise, takes loans and makes other financial transactions. The impersonator keeps the loot, while you get stuck with the bad credit. Identity theft scams have received their fair share of media attention in recent years.

The crime of identity theft has reached epidemic proportions, with identity theft scams making headlines more and more every day. One of the high-profile identity theft scams involving a New York’s restaurant busboy, Abraham Abdallah, is the largest identity theft in the history of the Internet. Abdallah, a 32-year-old high school dropout, breached the private finances of 217 of the Forbes 400 wealthiest people in America. Using a few web-enabled cell phones, virtual voicemail and a public library computer, the so-called busboy is said to have guessed the passwords of his favorite tycoons, input personal information so conveniently available in Forbes magazine, swiped Social Security numbers, and accessed brokerage accounts.

Soon Abdallah forged bank’s stationeries deployed multiple couriers to escape detection, and had credit cards in Steven Spielberg, Martha Stewart, Oprah Winfrey and Ted Turner’s names! Law enforcement officers called it one of the most ambitious identity theft scams they had ever seen, a hi-tech scheme of Hollywood proportions. Even though the police arrested Abdallah five years ago, they are still trying to trace the complex electronic trail to figure out exactly how much money was siphoned.

Of the recent high-profile identity theft scams, the MphasiS BFL – Citibank case is particularly noteworthy, because of the ease with which five young employees from MsourcE, an Indian call center allegedly pulled off a financial fraud worth nearly half-a-million dollars. The accused were no geeks, and did not break through firewalls or decoded encrypted software. Instead, they devised a simple modus operandi. Being the authorized e-banking service providers to Citibank, these MsourcE employees were privy to confidential details of various account holders. The only pieces missing were the passwords, which these employees apparently got by sweet-talking the account holders.

Identity theft does not have to be big and news worthy to ruin peoples lives. The small time con artist can assume several different identities and ruin the financial lives of dozens of people, semingly overnight!

CuttingEdge Identity Theft Software

The Court Of Public Opinon — Sun, 03 Aug 2008 22:04:09 +0000

Identity theft, one of the most frequently reported crimes in America, is a federal crime under the Identity Theft and Assumption Deterrence Act. Identity fraud occurs when a charlatan illegitimately uses your personal and/or financial information to use your credit accounts, tap your bank accounts, get new credit in your name, file fraudulent tax returns, get cell phones in your name, access your insurance benefits, and so on. For years, the primary cause of identity fraud has been good old-fashioned or low-tech analog crime. Charlatans rummaging though mailboxes, snatching purses or searching the garbage for discarded bank statements or credit card receipts used to be prime examples of identity thieves. Identity thieves use what we call dumpster diving to increase their odds of finding someone’s indentity information for their use.

Rapid progressions in technology have seen a plague of sophisticated phishing email attacks. These emails persuade the reader to click on links leading to false web sites that look similar to online banking sites, online auction sites (for instance, eBay), or online shopping site (for example, Wal-Mart). One of the more alarming ways that pretenders steal your ID is via spyware, or bugs that search your system for personal information and anonymously send it to someone over the Internet. Identity thieves also use key-loggers to watch and report every keystroke you make. To protect yourself against these types of threats you should install identity theft software like a firewall on your computer such as ZoneAlarm, McAfee Personal Firewall, or Norton Personal Firewall to block unidentified outgoing traffic from your system to the Internet. The small investment in these forms of software will go a long ways in providing you protection.

You should also consider installing comprehensive identity theft software like a security suite, such as McAfee Internet Security Suite, Norton Internet Security, or ZoneAlarm Security Suite. In addition to virus protection and firewall software, this identity theft software includes tools to keep your personal information safe and secure. The functionalities of all these identity theft software are similar. You enter sensitive information, such as your bank account, credit card, and Social Security number into the software. Then, whenever you send your personal information via email, type it into a web site, and so on, this identity theft software sends you an alert. It protects you against ID fraud by ensuring private information is never relayed from your system without your knowledge.

Benefits Of Identity Theft Shield

The Court Of Public Opinon — Sat, 02 Aug 2008 18:03:40 +0000

Attorney General John Ashcroft called identity theft as one of the fastest growing crimes in the United States. Federal Trade Commission (FTC), the leading governmental agency which keeps records on identity theft, estimates that over 9 million Americans (or 4.25% of all adults) are victims of ID theft on an annual basis, resulting in $52.6 billion losses to businesses and financial institutions. Even the 9/11 or September 11th hijackers were believed to have been identity thieves, using stolen passports and Social Security numbers to obscure their trail. Beyond doubt, identity theft crimes have reached epidemic proportions with subsequent catastrophic consequences.

Identity theft crimes are not new, but they have become more persuasive in the past decade. Advances in computer hardware and software along with the growth of the Internet have significantly increased the role that identity theft plays in crime. Individuals can hire credit-monitoring services that alert them when there are changes in their credit report. One such company, Pre-Paid Legal Services, Inc. in conjunction with Kroll, Inc. has developed a unique solution for victims of identity theft. This service referred to as the Identity Theft Shield is available to Pre-Paid Legal Services members. With the Identity Theft Shield, you have the added security of knowing that experienced professionals from the world’s leading risk consulting company are there to fight for you.

To prevent identity fraud, experts recommend that you review your credit report regularly. The ID Theft Shield makes this task easier. You receive prompt notices if any new accounts are opened in your name or if derogatory notations are added to your credit report. On an average, ID theft victims spend more than 250 hours and $2000 to clear their names. With Identity Theft Shield available at just $9.95/month, the cost of combating ID fraud crimes is much less. This monthly fee provides benefits to you, the member, and your spouse. At this cost, it is well worth the time and money to keep your affairs private.

Truly, Identity Theft Shield is the most factual and comprehensive solution to ID theft restoration. However, at times, even the best backup plans Fail. Therefore, you must learn to depend on yourself to set up your own identity theft shield and minimize your risk. Some things to do would be to shred all paperwork with important account information on it, don’t just throw it away in the trash because one of the simplest methods of Identity theft is for the thief to go through trash cans and dumpsters. Memorize pin numbers, do not carry them with your credit cards; Just to mention a couple thoughts.

Get Identity Theft Help!

The Court Of Public Opinon — Thu, 31 Jul 2008 22:03:52 +0000